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Deceased Claim : Accounts with nomination or joint holders


List of documents required for the settlement of a Savings/FD/RD/ Proprietorship Account, with a nomination or joint holder:

  1. Request Letter (Annexure 1)
  2. Death Certificate
  3. KYC proof of nominee
  4. KYC proof of Guardian and minor (if the minor is a nominee).

*Additional annexures, if applicable.

  1. Annexure 16 (NOC from the legal heir for premature closure of FD)

Terms and Conditions apply.

Deceased claim forms : Accounts without nomination or without survivorship clause


List of documents required for the settlement of a Savings/FD/RD/ Proprietorship Current Account, without nomination or survivorship clause:

Claim amount up to Rs 3,00,000.

  1. Request Letter (Annexure 2.1), to be signed by all the legal heirs
  2. Death Certificate
  3. KYC document of the claimant.

Claim amount from Rs 3,00,001 up to Rs 25 lakh.

  1. Request Letter (Annexure 2.1), to be signed by the claimant
  2. Death Certificate
  3. Annexure 4 (Stamped and notarised Indemnity cum Affidavit, signed by all the legal heirs)
  4. KYC document of the claimant.

Claim amount above Rs 25 lakh.

  1. Request Letter (Annexure 2), to be signed by the claimant
  2. Death Certificate
  3. Succession Certificate or Letter of Administration or Probate WILL
    OR
    Legal Heirship certificate along with Annexure 4 (Stamped and notarised Affidavit & Indemnity, signed by all the legal heirs)
  4. KYC documents of the claimant.

*Additional annexures, if applicable.

    1. Annexure 16 (NOC from the legal heir for premature closure of FD).

Terms and Conditions apply.

Deceased Claim: List of Documents for the settlement of Lockers held, singly or operated jointly, by both the holders


1. Locker held singly with nomination: (Access will be allowed to the nominee. If the nominee is a minor, access will be allowed to the guardian)

  1. Request Letter for claim (Annexure 7)

  2. Copy of Death Certificate

  3. KYC Documents of the nominee

  4. Acknowledgement & inventory of the articles made in the presence of the executor/administrator and survivor(s), and an independent witness (Annexure 9).

2. Locker operated jointly with nomination: (Access will be allowed to the survivor and the nominee jointly)

  1. Request Letter for claim (Annexure 7)

  2. Copy of Death Certificate

  3. KYC Documents of the nominee

  4. Inventory of the articles made in the presence of the nominee(s) and survivor(s), and an independent witness (Annexure 9).

3. Locker operated singly/jointly (Nomination is not available and ‘Will’ is present)

(If operated singly, access will be given to the executor/administrator appointed by court, on the basis of the ‘Will’. If operated jointly, access will be given to the executor/administrator appointed by court on the basis of the ‘Will’ and the surviving hirer)

  1. Request Letter for claim (Annexure 8)

  2. Copy of Death Certificate

  3. KYC Documents of the claimant

  4. Inventory of the articles made in the presence of the executor/administrator and survivor(s), and an independent witness (Annexure 9).

Where Will is probated:

  1. Letter of probate issued by court

  2. Copy of Will verified with original Will by BM/DBM.

Where Will is not probated:

Annexure 4 – Affidavit and Indemnity from legal heirs and

Annexure 12 – Indemnity Letter from claimant.

OR

Annexure 11 – Affidavit from witnesses to the will and

Annexure 12 – Indemnity Letter from claimant.

 

4. Locker operated singly/jointly (Nomination is not available and ‘Will’ is not present)

(Access will be allowed to the Legal Heir on establishing identity)

  1. Application from claimant (Annexure 8).

  2. Death Certificate

  3. Indemnity cum affidavit signed by all legal heirs (Notarised & stamped)(Annexure 4)

  4. Acknowledgement from claimant and Inventory of the articles made in the presence of legal heirs and an independent witness. Same needs to be signed by all those present (Annexure 9).

Deceased Claim: List of Documents for settlement of Lockers held in the modes ‘Either or Survivor’ / ‘Anyone or Survivor’


1. Locker with surviving hirers: (Access will be allowed to the surviving hirers)

  1. Request Letter for claim from all the surviving holders (Annexure 7)

  2. Copy of Death Certificate of the deceased holder(s)

  3. Inventory of the articles made in the presence of the nominee and survivor and an independent witness (Annexure 9)

2. Upon the death of all hirers and if Nomination is available (Access will be allowed to the nominee)

  1. Request Letter for claim from the nominee (Annexure 7)

  2. Copy of Death Certificate of the deceased holder(s)

  3. KYC Documents of the nominee

  4. Inventory of the articles made in the presence of the nominee and survivor, and an independent witness (Annexure 9).

3. Upon the death of all hirers, and if Nomination is not available (Access will be allowed to the legal heir on establishing identity)

  1. Application from claimant (Annexure 8)

  2. Death Certificate

  3. Indemnity cum affidavit signed by all legal heirs (Notarised & stamped)(Annexure 4)

  4. Acknowledgement from claimant and Inventory of the articles made in the presence of legal heirs and an independent witness. Same needs to be signed by all those present (Annexure 9).

Deceased Claim: PPF accounts


PPF Account with nomination

  1. Form 11 – Annexure 5

  2. Copy of death certificate of subscriber

  3. Form E for details of nominee(s) or as per updated in Bank records

  4. Self-attested ID proof / PAN copy with branch OSV.

PPF Accounts without nomination 

Claim amount up to 5 lakh

  1. Application Form 11 -(Annexure 5)

  2. Copy of Death Certificate of the subscriber

  3. Self-attested ID proof/PAN copy with branch OSV

  4. Pass Book or Deposit Receipt/original Statement of Account

  5. Affidavit in Form-13 (Annexure 5) on stamp paper

  6. Letter of Disclaimer in Form-14; (Annexure 5) on stamp paper

  7. Bond of Indemnity in Form-15 (Annexure 5) on stamp paper.

Claim amount above Rs 5 lakh

  1. Application Form (Form-11) (Annexure 5)

  2. Death Certificate of subscriber

  3. Succession Certificate/Letter of Administration /An attested copy of the Probated Will of deceased subscriber issued by High Court

  4. Self-attested ID proof / PAN copy with branch OSV.

Deceased Claim: List of Documents for the settlement of Demat account


Mandatory: Death Certificate, duly attested by Notary Public/Gazetted Officer/Original. In case Death Certificate is issued abroad, then it must be attested by Indian Embassy/Indian Consulate.

 

Documents required for Transmission – Joint Holder Case:

  1. Transmission Form duly filled and signed by the surviving holder
  2. In case the surviving holder’s Demat Account is with another DP, then the Client Master List (CML copy) is required
  3. Self-attested PAN copy of the surviving holder.

Documents required for Transmission - Nominee Case:

  1. Transmission Form duly filled and signed by the Nominee. In case there is more than one Nominee, then each Nominee should submit a separate Transmission Form
  2. If the Nominee’s Demat Account is with another DP, then the Client Master List (CML) should be attested by the respective DP with signature and stamp
  3. Self-attested Pan copy of the Nominee
  4. Account opened before 2016 – Nominee Indemnity is required (Only for NSDL Cases)
  5. Account opened post 2016 – ID proof submitted at the time of nomination should be provided.

Documents required for Transmission (Without Nominee/Survivor) - Legal Heir with less than 15 lakhs holdings:

  1. Transmission Form duly completed by Legal Heir/s. In case there is more than one Legal Heir, then each Legal Heir should submit separate Transmission Forms
  2. Self-attested PAN copy of legal Heir/s
  3. In case the Demat Account is with another DP, then the Client Master List (CML copy) should be in crystal format
  4. A Notarised Affidavit, from all Legal Heir/s made on a non-judicial stamp paper of an appropriate value, to the effect of the identification and claim of legal ownership to the Securities; (in case the Legal Heir/s/Claimant/s are named in the Succession Certificate or Probate of Will or Will or Letter of Administration or Legal Heirship Certificate (or its equivalent certificate), issued by a competent Government Authority, an affidavit from such Legal Heir/s/Claimant/s alone, will be sufficient
  5. Copy of the Succession Certificate (in terms of the Indian Succession Act, 1925), evidencing the rights of the Legal Heir/s/Claimant/s, attested by the Legal Heir/s/Claimant/s subject to verification with the original, or duly attested by a Notary Public or by a Gazetted Officer; Or Copy of Letter of Administration Or Copy of Court Decree Or Copy of Probate* of Will (*Probate of Will shall only be insisted on, if applicable in the terms of the Indian Succession Act, 1925) Or Copy of the Will Or Copy of the Legal Heirship Certificate or its equivalent certificate issued by a Competent Government Authority, duly attested by a Notary Public or by a Gazetted Officer or attested by the Legal Heir/s/Claimant/s subject to verification with the original, to be accompanied with a notarised Indemnity Bond and a No Objection from all the Legal Heir/s/Claimant/s stating that they have relinquished their rights to the claim for transmission of Securities, duly attested by a Notary Public or by a Gazetted Officer

  6. In case of non-availability of documents mentioned in Point No. 5, the following should be submitted along with documents mentioned in Point No. 1 to 4;
    • Notarised Indemnity Bond made on a non-judicial stamp paper of an appropriate value from all Legal Heir/s/Claimant/s to whom the Securities are transmitted
    • No Objection Certificate/s from all Legal Heir/s/Claimant/s, clearly relinquishing their rights to the claim for transmission of Securities, or Copy of Family Settlement Deed duly executed by all Legal Heir/s, duly attested by a Notary Public or by a Gazetted Officer (as an alternate to the No Objection certificate/s).

Documents required for Transmission (Without Nominee/Survivor) - Legal Heir with more than 15 lakhs holdings:

  1. Transmission Form duly completed by Legal Heir/s (mentioned in court order). In case there is more than one Legal Heir, then each Legal Heir should submit a separate Transmission Form
  2. Self-attested PAN copy of legal Heir/s
  3. In case the Demat Account is with another DP, then the Client Master List (CML copy) should be in crystal Format
  4. A Notarised Affidavit, from all Legal Heir/s made on a non-judicial stamp paper of an appropriate value, to the effect of identification and claim of legal ownership to the Securities; (in case the Legal Heir/s/Claimant/s are named in the Succession Certificate or Probate of Will or Will or Letter of Administration or Legal Heirship Certificate (or its equivalent certificate), issued by a competent Government Authority, an affidavit from such Legal Heir/s/Claimant/s alone, will be sufficient)
  5. Copy of the Succession Certificate (in terms of the Indian Succession Act, 1925), evidencing the rights of the Legal Heir/s/Claimant/s, attested by the Legal Heir/s/Claimant/s subject to verification with the original or duly attested by a Notary Public or by a Gazetted Officer; Or Copy of Letter of Administration Or Copy of Court Decree Or Copy of Probate* of Will (*Probate of Will shall only be insisted on, if applicable in the terms of the Indian Succession Act, 1925) Or Copy of Will Or Copy of Legal Heirship Certificate or its equivalent certificate issued by a Competent Government Authority, duly attested by a Notary Public or by a Gazetted Officer or attested by the Legal Heir/s/Claimant/s subject to verification with the original to be accompanied with a notarised Indemnity Bond and a No Objection from all the Legal Heir/s/Claimant/s stating that they have relinquished their rights to the claim for transmission of Securities, duly attested by a Notary Public or by a Gazetted Officer.