For smaller-balance accounts without a registered nominee, most banks can settle the claim using a Death Certificate, a legal heir affidavit, and an indemnity bond - under their own RBI-permitted simplified procedure. A court Succession Certificate is usually only needed above the bank's threshold, or when heirs disagree.
The Two Situations You'll Run Into
| Situation | What's Typically Needed |
|---|---|
| Account had a registered nominee | Death certificate + nominee's ID proof - usually straightforward, no affidavit needed from other heirs |
| No nominee, balance under the bank's threshold | Death certificate + legal heir affidavit + indemnity bond (no court Succession Certificate) |
| No nominee, balance above the threshold, or heirs disagree | Court-issued Succession Certificate or Letter of Administration typically required |
| Multiple heirs, only one should receive the funds | Relinquishment NOC affidavit from the other heirs, in addition to the above |
What the RBI's Simplified Procedure Actually Allows
The Reserve Bank of India has directed banks to maintain their own simplified procedure for settling claims on deceased depositors' accounts without insisting on a court Succession Certificate for every case - specifically to avoid needless hardship for small families over routine, smaller-balance accounts. Each bank sets its own internal threshold and exact document list under this guidance, so the specific figure and requirements can differ from bank to bank and change over time - always confirm the current threshold with your specific bank branch rather than assuming a fixed number.
Generate your bank deceased claim affidavit now
Fill in the account and heir details - get a properly worded indemnity affidavit ready to notarize and submit to the bank.
Open Bank Deceased Claim Affidavit →If You Need a Broader Legal Heir Affidavit
Beyond bank claims specifically, a Legal Heir Affidavit is also used for property transfer, pension claims, insurance settlements, and other situations where you need to establish who the deceased's legal heirs are. If that's what you need rather than a bank-specific indemnity affidavit, use our general format instead.
Need a general Legal Heir Affidavit instead?
For property, pension, or insurance claims - not just bank accounts.
Open Legal Heir Affidavit Generator →The Relinquishment NOC, Explained
If you're the sole heir receiving the funds but there are other surviving legal heirs (siblings, for instance), most banks will still want written confirmation that those other heirs don't object. Each of them signs a separate notarized No Objection Certificate / relinquishment affidavit, giving up their individual claim in your favour. Without this, the bank may hold the claim pending everyone's consent.
This is a reference format, not legal advice. The exact threshold for skipping a Succession Certificate, and the documents a specific bank requires, vary by bank and can change - always confirm the current requirement directly with the bank branch handling the claim.
Bank Deceased Claim Affidavit के बारे में हिंदी में जानकारी
अगर बैंक अकाउंट में nominee नहीं था और balance ज़्यादा बड़ा नहीं है, तो कई बार court से Succession Certificate लिए बिना ही, सिर्फ Death Certificate, legal heir affidavit, और indemnity bond से claim settle हो सकता है - RBI की guidelines के तहत। यहाँ अपना affidavit free में बनाइए।