Post office
Post Office has crores of people of the country. Through these accounts, people invest in different savings schemes of the post office. Post offices get more interest in many schemes than banks. At the same time, people of rural areas invest more in the post office because they get convenience. There are very few bank branches in villages but get a post office. In such a situation, if the post office account holder dies suddenly, then how can you withdraw money deposited in the account. Here we are telling you the full process of nominee and without a nominee. Let’s know how you can withdraw money.
Claim process
When an account holder or post office certificate holder dies, his accumulated money can be claimed by him by a nominee person, legal successor or other entitled person. The process depends on whether the nominee is made or not.
Three ways to claim
Nominee: The simplest and easiest way is nominee. If someone is made a nominee, he can easily claim for money. Legal proof: Claims can also be claimed even if the will, succession certificate. Without a nominee (up to Rs 5 lakh): In cases without a nominee, affidavits and compensation documents are required after a six -month waiting period. Succession certificate is mandatory for disposal of claims without a nominee person.
What is the claim process?
Post office website (eg, forms for post office savings schemes SB-84) can be claimed.
With the death certificate, a nominee person has to submit the base, PAN, address proof and a recent picture.
Claim through legal proof?
If the deceased has left the will, then it can be claimed on the basis of them. To claim, claim form, original or verified copy of death certificate, and legal proof, will of will, succession certificate,
KYC and claim form of contenders (s) must submit. Once verified, according to the legal documents deposited, the legal heirs will get funds.
How to claim without a nominee (up to 5 lakh rupees)?
To claim without a nominee, submit the KYC documents of the claim form and the original or verified copy of the death certificate with the required documents in the post office after a six -month waiting period from the date of death of the depositor. Claims are processed after verification.
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