1. Deceased Claim Cases

2. BASIS OF SETTLEMENT Basis Amount Nomination No limit Legal evidence
Discretion of Sanctioning authority
Upto Rs one lakh
for each group separately.
Group---Amount of Savings +RD+TD+MIS Account
Group---Amount of SCSS Account
Group---Amount of PPF Account
Group---Amount of NSC+KVP

3. Types of Legal evidence
Probate of Will
Succession certificate
Letters of Administration

4. WILL
It is a legal declaration of the intention of a testator(who makes the will) with regards to its property (movable & immovable)which he desires to be carried into effect after his death.
The will must be in writing except in case of Muslims. It is to be got attested by at least two witnesses. Registration of will is not compulsory.

5. Probate of Will
It is a certificate granted by the competent Court with a certified copy of the Will to the effect that the Will is genuine and is indeed the last Will left behind the deceased
Probate can be obtained by the testator during his life time or by his executor/beneficiary after death of testator .
It cannot be granted to minor or unsound mind person

6. Succession certificate
It is a certificate of succession of the properties of a person who has died without making a Will, issued by the competent civil Court.
It is granted as per applicable law of
inheritance.

7. Letters of Administration
A letter from the Court appointing an administrator when there is no Will from the deceased
Letters of administration with the will annexed may be granted to a beneficiary in respect of the whole estate when no executor appointed in the will or the executer died before the death of testator

8. New procedure- SB
-One form for all three categories of claims- Nomination, legal evidence & cases of no nomination & no legal evidences
-No separate sanction
-No separate account closure form
-All provided in the same form

9. Documents to be submitted in deceased claim cases
Nomination
Newly prescribed Claim application with two witnesses, ID & Address proof
Death certificate in original
Passbook/Savings certificates
Legal evidence
Death certificate in original (not necessary if date of death noted in legal evidence)

10. Documents to be submitted in deceased claim cases
Without nomination & Legal evidence
Claim application (SB 30) with two witnesses, ID & Address proof
Pass book/Savings Certificates
Death certificate -original or Photo copy(Which will be attested by the PM with original) -no further enquiry
Affidavit
Letter of Indemnity
Letter of disclaimer on Affidavit as prescribed in SCSS-2004
Note:- No separate sanction will be issued, no account closure form will be required.

11. Handling of nomination & legal evidence cases
Cases are immediately settled irrespective of the amount involved
Claim is settled in favour of last surviving nominee/legal heirs
On the death of the nominee, the claim will be settled in favour of legal heir of the deceased nominee
Payment to the nominee/legal heirs absolves the post office from all future liability

12. Procedure for Settlement of cases -SB
Claimant has to give two witnesses, ID & Address proof along with the claim form
After acceptance of witnesses by PM, no further enquiry about genuineness of claimant. Forward the case where the account stands by service Insured post on the day of receipt
On receipt Office where the accounts stands, will issue acknowledgement on the same day & settle it in seven days if in its powers otherwise forward to Sanctioning authority on the day of receipt by service Insured post.
Every Administrative office will dispose off the case within 7 days of receipt
All payments by crossed cheques only

13. Guidelines for Sanctioning authority
Maintenance of deceased claim register
Entry of claims in register/computer system and grant of receipt to the claimant
Sanction of claim according to powers , after Verification of balances/maturity value of certificate till death, nomination particulars and court attachment/pledge status etc.
Contd.

14. Guidelines for Sanctioning authority
Balance of accounts means amount at the credit on the day
of death of depositor including the interest accrued during
the preceding month/year or table of RD Account
Maturity value of certificates means face value and interest accrued upto completed half year/year till death
If after settlement of claim, it is found that deceased depositor had more accounts/certificates, the further claim will be settled on the basis of all amounts noticed including sanctioned amounts.
Contd.

15. Guidelines for Sanctioning authority
Gazetted Postmaster (within his powers )will sanction all claims in respect of claims of saving Bank accounts for SOs in his account jurisdiction. Head Postmaster(non-Gazetted) will not sanction claims of SO
Claims of SOs beyond the powers of SPM will be sanctioned by Divisional Head in case of Non-Gazetted HPM
Admissibility of interest/bonus should be mentioned in sanction memo.

16. Sanction of claims - without nomination & legal evidence
Sanctioning authority
Amount
Remarks
SPM
(Time scale)
Rs.
1000/-
Above Rs.1000/- claims will be sanctioned(within limit) Gazetted PM.
Divisional /regional/circle Office.
SPM(LSG)
2000/-
Above Rs.2000/- claims will be sanctioned (within limit) Gazetted PM
SPM/Dy.PM/
PM in HSG
(All non-Gazetted)
5000/-
Above Rs.5000/- claims of SO will be sanctioned (within limit) by
Gazetted PM
contd.

17. Sanction of claims - without nomination & legal evidence
Sanctioning authority
Amount
Remarks
Dy.PM/Sr.PM/Dy.CPM/
SPOs/Dy. SPOs(All Gazetted)
Rs.20000/-
Above Rs.20000/-
claims will be sanctioned by Divisional /regional/circle office
SSPOs/CPM
Rs.50000/-
Above Rs.50000/-
claims will be sanctioned by regional/circle office
Director Postal Services
Rs.75000/-
Above Rs.75000/-
claims will be sanctioned by CPMG/PMG
Chief PMG/PMG
Rs /-
Above Rs /-
claims will be settled on the basis of legal evidence

18. Sanction of claims –Nomination
Types of account
Sanctioning authority
Remarks
Savings/TD
All categories of SPM Upto limit of amount fixed for them
Above the limit by Head Postmaster
RD/MIS
Single/ Double handed SPM Upto limit of amount fixed for them
Triple handed and above offices –No limit
Nil
NSC/KVP
All SPMs/PMs-No limit
Contd.

19. Sanction of claims –legal evidence
Types of account
Sanctioning authority
Remarks
Savings/TD/RD/MIS
All categories of SPM Upto limit of amount fixed for them
Above the limit by Head Postmaster

20. Guidelines for payment of claims
Scheme
Treatment of account/certificates SB
The claimant may not continue the account in his/her name RD
The claimant may continue the account in his/her name till maturity of account TD
contd.

21. Guidelines for payment of claims
MIS
The claimant cannot continue the account in his/her name till maturity.
Bonus is allowed on completion of maturity period
SCSS
The claimant(if spouse only) may continue the account in his/her name till maturity, if he/she has no other SCSS account
PPF
The claimant cannot continue the account in his/her name till maturity.