Claim Form (Form 1100):
Duly signed by the nominee(s) or survivor(s).
[Mandatory]
Original Fixed Deposit Receipts:
Required for term deposits. A duplicate must be provided if the original is lost.
[Mandatory]
Deceased’s Passbook:
The passbook belonging to the deceased customer’s account.
[Optional]
Nominee Account Details:
Proof of account for the credit of the claim amount (e.g., passbook copy, cancelled cheque, or account statement).
[Optional]
Claim without Nomination for deposits: Claim upto threshold limit of Rs. 15 lakh
Claim Form (Form NF1158):
Duly filled and signed by the claimant(s), excluding those who have signed a letter of disclaimer.
[Mandatory]
Bond of Indemnity Annex VII (NF 1158/A):
Signed by the claimant(s).
[Mandatory]
Legal Heir Verification:
One of the following must be provided:
Legal Heir Certificate issued by a Competent Authority.
Declaration Annex IX (NF 1158/C) by an independent person well-known to the family, not party to the claim, and acceptable to the bank.
[Mandatory]
Original Fixed Deposit Receipts:
In case of term deposits. Duplicate receipts are required if originals are lost.
[Mandatory]
Letter of Disclaimer / No Objection Annex VIII (NF 1158/B):
From non-claimant legal heir(s).
[Mandatory if there is more than one legal heir; otherwise Optional]
Court Order:
Required only in the event of legal disputes.
Deceased’s Passbook:
The passbook of the deceased customer’s account.
[Optional]
Claimant Account Details:
Proof of account for credit (Passbook, cancelled cheque, or account statement).
[Optional]
Claim without Nomination for deposits: Claim above threshold limit of Rs. 15 lakh
If succession certificate submitted then
Claim Form (Form NF 1158):
Duly filled in and signed by the claimant(s), excluding those who have signed a letter of disclaimer/No Objection.
[Mandatory]
Succession Certificate:
A copy of the Succession Certificate issued by a competent court.
[Mandatory]
Original Fixed Deposit Receipts:
For term deposits. A duplicate must be provided if the original is lost.
[Mandatory]
Deceased’s Passbook:
The passbook of the deceased customer’s account.
[Optional]
Claimant Account Details:
Details of the account where the claim amount is to be credited (e.g., passbook, cancelled cheque, or account statement).
[Optional]
If succession certificate not submitted
Claim Form (Form NF 1158):
Duly filled in and signed by the claimant(s), excluding those who have signed the letter of disclaimer/No Objection.
[Mandatory]
Bond of Indemnity Annex VII (NF 1158/A):
Executed by the claimant(s).
[Mandatory]
Proof of Legal Heirship:
One of the following must be provided:
Legal Heir Certificate issued by a Competent Authority.
Affidavit Annex IX (NF 1158/C) sworn before a Notary Public, Judge, or Judicial Magistrate by an independent person well-known to the family who is not a party to the claim.
[Mandatory]
Bond of Surety Annex VII (NF 1158/A):
From a third-party individual (may include non-claimant legal heirs acceptable to the bank and financially sound for the claim amount).
[Mandatory]
Letter of Disclaimer / No Objection Annex VIII (NF 1158/B):
Required from non-claimant legal heir(s), if applicable.
Original Fixed Deposit Receipts:
For term deposits. A duplicate is required if the original is lost.
[Mandatory]
Deceased’s Passbook:
The passbook of the deceased customer’s account.
[Optional]
Claimant Account Details:
Proof of account for credit (e.g., passbook, cancelled cheque, or account statement).
[Optional]
Claim involving Will without any dispute
Claim Form (Form NF 1158):
Duly filled in and signed by the claimant(s), excluding those who have signed a letter of disclaimer/No Objection.
[Mandatory]
Copy of Will:
The testament left by the deceased.
[Mandatory]
Beneficiary Documentation:
Applicable documents must be obtained if the beneficiary is someone other than the legal heir.
[Optional]
Probate:
Required if mandatory as per state law, or in the event of disputes regarding the Will. The bank may also request this to satisfy itself of the Will's genuineness.
[Optional/Conditional]
Supplementary Legal Documents:
Bond of Indemnity Annex VII (NF 1158/A): From the claimant(s) only; third-party surety not required. [Optional]
Letter of Disclaimer / No Objection Annex VIII (NF 1158/B): From non-claimant legal heir(s), if applicable. [Optional]
Original Fixed Deposit Receipts:
For term deposits. A duplicate is required if the original is lost.
[Mandatory]
Deceased’s Passbook:
The passbook of the deceased customer’s account.
[Optional]
Claimant Account Details:
Proof of account for the credit of the claim amount (e.g., passbook, cancelled cheque, or account statement).
[Optional]
Cases involving Contesting Claim/ Dispute
Court Orders:
Original or certified copy of the specific order issued by the competent court directing the disbursement of funds.
[Mandatory]
Applicable Claim Documents:
All other standard documentation required based on the claim value (Thresholds of up to ₹15 Lakh or above ₹15 Lakh):
For claims up to ₹15 Lakh: Standard claim forms (NF 1158), Indemnity Bonds, and Heirship declarations as previously specified.
For claims above ₹15 Lakh: Enhanced documentation which typically includes mandatory Surety Bonds and higher scrutiny of legal heirship.
Original Fixed Deposit Receipts:
For term deposits. A duplicate is required if the original is lost.
[Mandatory]
Deceased’s Passbook:
The passbook of the deceased customer’s account.
[Optional]
Claimant Account Details:
Proof of account for the credit of the claim amount (e.g., passbook copy, cancelled cheque, or account statement).
[Optional]
In Case of Missing Person
Claim amount upto Rs. 1 Lakh
Police/Court Documentation:
A copy of the First Information Report (FIR) and a "Non-Traceable Report" issued by police authorities (in lieu of a death certificate), or a formal order from a competent court declaring the civil death of the account holder.
[Mandatory]
Standard Claim Documents (Upto ₹15 Lakh without Nomination):
Claim Form (NF 1158): Duly filled and signed by the claimant(s).
Bond of Indemnity Annex VII: Signed by the claimant(s).
Legal Heir Verification: Legal Heir Certificate OR Declaration Annex IX by an independent person known to the family.
Bond of Surety: From a third-party individual acceptable to the bank.
Letter of Disclaimer Annex VIII: Required from non-claimant legal heirs if there is more than one heir.
Original Fixed Deposit Receipts:
Required for term deposits. A duplicate is necessary if the original is lost.
[Mandatory]
Deceased’s Passbook:
The passbook of the missing account holder’s account.
[Optional]
Claimant Account Details:
Proof of the account where the claim amount is to be credited (e.g., passbook, cancelled cheque, or statement).
[Optional]
Claim Amount more than Rs. 1 Lakh
Court Order of Civil Death:
A certified copy of the court order declaring the civil death of the account holder, provided in lieu of a death certificate.
[Mandatory]
Standard Claim Documents (Above ₹15 Lakh):
Claim Form (NF 1158): Duly filled and signed by all eligible claimants.
Bond of Indemnity Annex VII: Executed by the claimant(s).
Legal Heir Certificate: Issued by a Competent Authority (typically mandatory for higher value claims).
Bond of Surety: From a third-party individual(s) acceptable to the bank and solvent for the claim amount.
Letter of Disclaimer Annex VIII: From all non-claimant legal heirs.
Original Fixed Deposit Receipts:
For term deposits. A duplicate must be obtained if the original is lost.
[Mandatory]
Deceased’s Passbook:
The passbook of the account holder declared civilly dead.
[Optional]
Claimant Account Details:
Proof of the account for credit (e.g., passbook copy, cancelled cheque, or account statement).
[Optional]
CLAIM SETTLEMENTS FOR LOCKERS/SAFE CUSTODY ARTICLES
Claim under Nomination for Lockers/Safe Custody Article
Claim Form (Form 1100):
Duly signed by the nominee(s) or survivor(s).
[Mandatory]
Annex X (NF 1158/D):
Inventory form and Acknowledgement specifically for Safe Deposit Lockers.
[Mandatory]
Annex XI (NF 1158/E):
Inventory form for Articles held in Safe Custody.
[Mandatory]
Claim without Nomination for lockers/Safe Custody Article
Claim Form (Form NF 1158):
Duly filled in and signed by the claimant(s), excluding those who have signed a letter of disclaimer/No Objection.
[Mandatory]
Proof of Legal Heirship:
One of the following must be provided:
Legal Heir Certificate issued by a Competent Authority.
Declaration Annex IX (NF 1158/C) by an independent person well-known to the family, not a party to the claim, and acceptable to the bank.
[Mandatory]
Letter of Disclaimer / No Objection Annex VIII(NF 1158/B):
From non-claimant legal heir(s).
[Optional]
Annex X (NF 1158/D):
Inventory form and Acknowledgement for Safe Deposit Lockers.
[Mandatory]
Annex XI (NF 1158/E):
Inventory form for Articles in Safe Custody.
[Mandatory]
Annex XII (NF 1158/F):
Bond of Indemnity regarding the delivery of contents of the Safe Deposit Locker/Articles in Safe Custody. This is to be taken at the time of delivery.
[Mandatory]
COMMON DOCUMENTS FOR ALL TYPES OF CLAIMS:
Death Certificate:
A copy of the Death Certificate of the deceased depositor.
[Mandatory]
Officially Valid Documents (OVD):
A copy of the OVD (e.g., Aadhaar, PAN, Passport, Voter ID) of the claimant for identity and address verification.
[Mandatory]