Claim Procedure When There Is a Nominee

If the nominee is present, it is easier and faster to claim the money.

1. Obtain the Claim Form:

Collect Form SB-84 from the post office or download and print it from the India Post website.

2. Gather the Documents Required:

• Original or attested death certificate issued by the municipal corporation or registrar of deaths
• KYC documents of the nominee (e.g., Aadhaar, PAN, and address proof)
• Recent passport size photo of the nominee.

3. Visit the Post Office

• Go to the same post office where account was being kept and fill up the form along with all the documents.
• Post office, after document verification, will refund the amount to the nominee.

Claim Process When There Is No Nominee

In case no nominee has been made part of the account, then the procedure is according to the amount present in the account.

For Amounts up to Rs. 5 Lakh

In these cases, the legal heirs are entitled to receive the money within six months of the death of the account holder. The documents needed are:

• Claim form
• Original or attested copy of the death certificate
• Annexure I: Letter of Indemnity
• Annexure II: Affidavit
• Annexure III: Letter of Disclaimer on Affidavit
• KYC documents of the claimant

For Amounts Above Rs. 5 Lakh

For amounts above Rs 5 lakh in the case of no nominee, a succession certificate from a civil court is necessary. This court document validates who the real heirs are.

Procedure to be done:

1. Approach the civil court with the death certificate, evidence of association with the deceased individual, and bank account details.
2. After receiving the succession certificate, present it with:

Original or certified copy of the death certificate

Claim form

KYC documents of the claimant

After authentication, the post office will release the claim as per the legal certificate.

Importance of Nominating a Nominee

Involving a nominee simplifies the procedure for claim and quicker. The nomination is either executed at the time of opening the account or subsequently by filling up a nomination form that can be obtained from the post office. The nominee’s name, relationship, address, and guardian’s name if the nominee is a minor should be mentioned in the form.

If the proper protocols are followed and the proper documents are supplied, then the rightful heir of the deceased Post Office account can retrieve the money without undue delays.