Deceased Claims in Banks

People deposit their hard earned money in bank fixed deposits. They enter nominee details so that continuity is ensured in case the depositor dies. Widowers are finding that it isnt easy to claim money from banks so easily. 

Recently, a PSU bank employee expired and his son who was working from home went to the branch with death certificate and asked for death claim form. The branch didnt have it with them and asked account holder nominee to come again. In next trip and the trip after that, the branch manager still didnt have the form with him. 

The Widow went again 3 times but the manager wasnt there. Tired, she asked on the 7th time as to how many times she has to visit just to collect forms. The branch officer asked her to bring the Death Certificate, Indemnity Bond for Missing Persons, 2 signatures of account holders and legal heir certificate. She didnt understand why Indemnity Bond is needed for her father since he had registered nominee already. Yet the PSU bank branch asked the widow to get all these documents. 

What is the point of registering nominee when all these forms are required, RBI clarified in 2005 and noting in 2013 that it some branches are still continuing archaic procedures. The PSU widow has to get stamped a missing persons afficiation in this branch. The branch was advised to properly maintain the documents and inform after checking if in doubt.