Bank Deceased Account ClaimIndemnity affidavit format
Bank Deceased Account Claim Indemnity Affidavit Format
Affidavit · Last reviewed September 2026
This is a reference format, not legal advice. Banks often have an internal balance threshold above which a court Succession Certificate is required instead of this affidavit alone - check your specific bank's requirement before relying on this format.
When You Need This
A family member has passed away and left a bank balance with no registered nominee - most banks ask for this indemnity-cum-affidavit (alongside a legal heir certificate/NOC from other heirs) before releasing the funds.
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Answer a few quick questions and we'll generate a properly worded affidavit below - typed straight into the document, no leftover "[name]"-style instructions when you print.
Click anywhere in the document above to fine-tune the wording before printing - the notary's date and place are left blank on purpose.
Get an NOC signed by all other legal heirs, if you're claiming alone on behalf of the family.
Buy non-judicial stamp paper of the value required by your bank.
Sign it in front of a Notary Public - a surety/guarantor may also need to sign, depending on your bank.
Submit it along with the death certificate, your ID proof, and the deceased's passbook/statement.
Frequently Asked Questions
They're related but different. The general Legal Heir Affidavit establishes who the legal heirs of a deceased person are, for any purpose. This one is bank-specific - it's the indemnity bond format banks typically ask for (often alongside a legal heir certificate) before releasing a deceased depositor's balance when there's no registered nominee.
If a nominee is registered, the bank's process is usually much simpler - the nominee submits a claim form, a death certificate, and their own ID/address proof, without needing this indemnity affidavit or a legal heir certificate. This format is specifically for the no-nominee situation.
Most banks require either a No Objection Certificate from the other legal heirs (letting one heir claim and distribute the amount), or all heirs to join the claim together - this affidavit assumes the NOC route, since that's more common for smaller balances. Check your bank's specific requirement.
Yes - most banks have an internal threshold (varies by bank) above which they require a court-issued Succession Certificate or Legal Heir Certificate rather than accepting just this affidavit and an indemnity bond. Check your specific bank's threshold before assuming this format alone is sufficient.
Many banks ask for a surety (another person who indemnifies the bank alongside the claimant) for larger amounts - check whether your bank's specific format needs one, since this varies by bank and by claim amount.