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<!doctype html> <html lang="en"> <head> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1" /> <title>Missing nominations can pose a challenge to heirs - Rediff.com Get Ahead</title> <meta name="keywords" content="Careers, career, jobs, career counselling, careers advice, Health and Fitness, Personal finance, Travel, health and wellness, physical fitness, videos" /> <link rel="alternate" href="https://www.rediff.com/rss/getahead.xml" type="application/rss+xml" title="Rediff.com - Get Ahead news" /> <meta http-equiv="X-UA-Compatible" content="IE=Edge" /> <link rel="alternate" media="only screen and (max-width: 640px)" href="https://m.rediff.com/getahead/report/missing-nominations-can-pose-a-challenge/20210524.htm" /> <link rel="amphtml" href="https://m.rediff.com/amp/getahead/report/missing-nominations-can-pose-a-challenge/20210524.htm" /> <link rel="dns-prefetch" href="//track.rediff.com/" > <link rel="dns-prefetch" href="//bizmail.rediff.com/" > <link rel="dns-prefetch" href="//businessemail.rediff.com/" > <link rel="dns-prefetch" href="//workmail.rediff.com/" > <link rel="author" type="text/html" href="https://www.rediff.com/author/Bindisha%20Sarang" /> <meta name="author" content="Bindisha Sarang" /> <meta name="description" content="If the nominations are not in place, the heirs need to go through a lengthy process to get access to the money cautions Bindisha Sarang." /> <meta name="twitter:card" content="summary_large_image" /> <meta property="og:title" content="Missing nominations can pose a challenge to heirs" /> <meta property="og:type" content="article" /> <meta property="og:url" content="https://www.rediff.com/getahead/report/missing-nominations-can-pose-a-challenge/20210524.htm" /> <meta property="og:site_name" content="Rediff" /> <meta property="og:description" content="If the nominations are not in place, the heirs need to go through a lengthy process to get access to the money cautions Bindisha Sarang." /> <meta itemprop="name" content="Missing nominations can pose a challenge to heirs" /> <meta itemprop="description" content="If the nominations are not in place, the heirs need to go through a lengthy process to get access to the money cautions Bindisha Sarang." /> <meta itemprop="publisher" content="Rediff.com" /> <meta itemprop="url" content="https://www.rediff.com/getahead/report/missing-nominations-can-pose-a-challenge/20210524.htm" /> <meta itemprop="headline" content="Missing nominations can pose a challenge to heirs" /> <meta itemprop="inLanguage" content="en-US" /> <meta itemprop="keywords" content="Careers, career, jobs, career counselling, careers advice, Health and Fitness, Personal finance, Travel, health and wellness, physical fitness, videos" /> <meta itemprop="image" content="https://im.rediff.com/getahead/2021/may/22legal-heirs.jpg"> <meta itemprop="datePublished" content="2021-05-24T08:56:33+05:30" /> <meta itemprop="dateModified" content="2021-05-24T08:56:33+05:30" /> <meta itemprop="alternativeHeadline" content="Missing nominations can pose a challenge to heirs" /> <link rel="preload" href="https://im.rediff.com/getahead/2021/may/22legal-heirs.jpg?w=670&h=900" as="image" /><link rel="canonical" href="https://www.rediff.com/getahead/report/missing-nominations-can-pose-a-challenge/20210524.htm" /> <link rel="shortcut icon" type="image/x-icon" href="https://im.rediff.com/favicon.ico" /> <meta itemprop="dateline" content="Mumbai" /><link rel="preconnect" href="//imworld.rediff.com" > <link rel="stylesheet" href="//imworld.rediff.com/worldrediff/style_3_16/article_4.css" media="screen" /> <meta property="og:image" content="https://im.rediff.com/getahead/2021/may/22legal-heirs.jpg" /> <link rel="image_src" href="https://im.rediff.com/300-300/getahead/2021/may/22legal-heirs.jpg" /> <script type="application/ld+json">{"@context":"https://schema.org","@type":"NewsMediaOrganization","name":"Rediff.com","url":"https://www.rediff.com","logo":{"@type":"ImageObject","url":"https://im.rediff.com/worldrediff/pix/rediff_logo_05_17.png","width":269,"height":65},"address":{"@type":"PostalAddress","streetAddress":"Mahalaxmi Engineering Estate, 1st Floor, 1st LJ Cross Rd, Mahim","addressLocality":"Mumbai","addressRegion":"India","addressCountry":"IN","postalCode":"400016"},"contactPoint":{"@type":"ContactPoint","telephone":"+91 - 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Photograph: Kind courtesy Aymane Jdidi/Pixabay During the second, more lethal, wave of COVID-19, the daily death count has been above the 3,000 mark for some time now.Many families have lost the breadwinner, and in some cases, both the spouses.Wherever the nominations are not in place, personal grief has got compounded with monetary worries as the familys wealth has become inaccessible to the heirs.If there is a nomination, financial service providers are required by law to transfer the money to the nominee, unless restricted by a court order.However, theres a caveat regarding the role of the nominee.Any transfer in favour of the nominee does not confer on him any beneficial interest in relation to the financial instruments, which will be subject to the applicable laws of succession, says Avinash Khard, associate partner, DSK Legal.The nominee has to hold the financial instruments, or the proceeds arising from them, in trust for the benefit of the deceaseds legal heirs.If the nominations are not in place, the heirs need to go through a lengthy process to get access to their money.BankingThe nominee is the person the depositor designates as the trustee of the bank account, in case of his demise.What happens in the absence of a nominee depends on the nature of the account.If it is a joint account, then the operating condition could be either or survivor or jointly.If the account is operated as either or survivor, then the survivor may claim the deposit, says Adhil Shetty, CEO, Bankbazaar. If it is operated jointly, -- when both or all account holders need to sign for withdrawals -- then the bank will usually pay it out jointly to the surviving account holder and the deceaseds legal heirs.If the account was operated individually, then the heirs may have to present the deceaseds Will.If the nomination is not updated in an account, says Praveen Bhatt, executive vice president and head, retail liabilities and direct banking channel, Axis Bank, then the funds lying in the deceased customers accounts are settled to his legal heirs, according to the mandate given by the legal heirs, once they have established their identity.Once the legal heirs have submitted the claim documents, and the bank has verified them, the claim is settled to all the legal heirs, or to any one of them, as mandated by the heirs.The claimants will have to file an application along with a copy of the Death Certificate, the claim form, and the address and ID proof of each claimant.If there are multiple heirs and the assets have to be transferred to only one of them, then the other heirs will have to sign a disclaimer letter, relinquishing rights to the assets in favour of that person.InsuranceIf there is no nominee, then the legal heirs have to claim the money locked up in insurance policies.The legal heir needs to present a claim intimation letter along with other documents like death certificate, beneficiarys ID proof, policy papers, discharge form (if any), post-mortem report, and hospital records (in case of unnatural death), says Naval Goel, CEO & founder, PolicyX.Sometimes, the insurer asks for a succession certificate issued by a court, specifically mentioning the policy number and the amount to be paid.In certain exceptional cases, if there is no succession or legal heirship dispute in the family, after assessment we can also consider a legal heir certificate issued by a Class One magistrate, along with indemnity signed by all the legal heirs, specifying to whom, or all, payment of policy proceeds needs to be done, says Sachin Dutta, chief operating officer, Canara HSBC OBC Life Insurance.Demat accountIf the demat account holder did not appoint a nominee, then securities are transferred from the demat account to the deceaseds legal heirs according to the procedures laid down in the bylaws of the depository participant (DP).DPs ask for certain documents (please see table).If the value of the securities exceeds Rs 5 lakh, then the claimant has to provide a copy of the probate of the Will, or attested or notarised copy of letter of administration, or a duly attested or notarised copy of the succession certificate, or an order of a competent court to support his legal claim.Along with the transmission request, he must also submit a copy of the death certificate and client master report of the demat account.Mutual fundsAsset Management Companies (AMCs) nowadays have a standard transmission request form and require a common set of supporting documents for the transfer of units, as prescribed by the Association of Mutual Funds in India.The procedure requires the heirs to first produce certain documents, including the death certificate, PAN Card and KYC acknowledgment of the claimant/s, documents proving their relationship to the deceased, etc. along with the transmission form, says Jayant Pai, head-products, PPFAS Mutual Fund .Each AMC may have slightly varying documentation requirements, says Sriram Iyer, CEO, Digital Wealth Management, ARWealth, (an AnandRathi Company). The requirements for amounts below Rs 2 lakh may be slightly less stringent while for larger amounts, a succession certificate or a probated Will may also be needed.Some AMCs might even ask for an individual affidavit, a succession certificate, or probate, or letter of administration (as against a bond of indemnity).Probate refers to the legal process in which a Will is reviewed to determine whether it is valid and authentic.Documents needed prior to making transmission of securities lying in the demat accountWhen letter of succession is availableTransmission request formDeath certificate (original or attested, as the case may be)Succession certificate or letter of administration or the letter of probateClient master report of the claimant (if required)When letter of succession is not available *Transmission request formDeath certificate (original or attested, as the case may be)Letter of indemnity executed by the claimantAn affidavit executed by the claimantNo-objection certificate from all legal heirs who are not claimants/family settlement deed (as the case may be)Client master report of the claimant (if required)*Legal heir is unable to provide the succession certificate, or letter of administration, or the letter of probate and the amount of such securities are less then Rs. 5 LakhsSource: DSK LegalMONEY TIPS", "author":{ "@type":"Person", "name":"Bindisha Sarang", "url":"https://www.rediff.com/author/Bindisha%20Sarang" }, "publisher":{ "@type":"Organization", "name":"Rediff.com", "logo":{ "@type":"ImageObject", "url":"https://im.rediff.com/worldrediff/pix/rediff_logo_05_17.png", "width":269, "height":65 } }, "associatedMedia":{ "@type":"ImageObject", "url":"https://im.rediff.com/getahead/2021/may/22legal-heirs.jpg", "caption":"Missing nominations can pose a challenge to heirs", "description":"Missing nominations can pose a challenge to heirs", "height":"900", "width":"1200" } } </script> <script type="application/ld+json"> { "@context":"https://schema.org", "@type":"SiteNavigationElement", "name":["News","Business","Movies","Sports","Cricket","Get Ahead","Money Tips"], "url":["https://www.rediff.com/news","https://www.rediff.com/business","https://www.rediff.com/movies","https://www.rediff.com/sports","https://www.rediff.com/cricket","https://www.rediff.com/getahead","https://www.rediff.com/money/personal-finance/headlines"] } </script> <style>.alsoreadthumb_n{height:auto;max-height:180px;width:336px;} .div_ad_lb01{width:990px;text-align:center;margin:0 auto;font-size:1px;min-height:250px;display:flex;align-items:center;justify-content:center;background:#f8f8f8;} .alsoreaddiv,.sepline{max-width:336px;}#world_top{position:static;height:auto;width:990px;}#world_right2{height:auto !important;}.div_ad_box03{min-height:270px;}.div_advt_bottom{clear:both;width: 100%;max-width:990px;text-align: center;font-size:1px;margin:0 auto 15px auto;}.newleftcontainer{width:calc(100% - 346px);}.newrightcontainer{width:336px;text-align:right;}#rtop{display:none;}.imgwidth{max-width:100%;}.foramp{display:none}.minht90{min-height:90px;}.shareic_sprite{background:url('https://imworld.rediff.com/worldrediff/pix/shareiconsprite.png') no-repeat;display:inline-block;font-style:normal;width:30px;height:30px;cursor:pointer;margin:0 0 0 20px;vertical-align:bottom;} .email{background-position:0 0;}.waup{background-position:-47px 0;}.twit{background-position:-94px 0;}.fb{background-position:-142px 0;}.reddit{background-position:-191px 0;}.byspan{display:inline-block;margin-top:10px;}#div_image_video{height:370px;background:#000;border-top:10px solid #fff;margin:20px 0;position:relative;z-index:1;clear:both;display:flex;justify-content:center;align-items:center;box-sizing:border-box;}.vdsldtitle{font-size:14px;font-weight:bold;position:absolute;top:-27px;left:0;z-index:1;color:#000;}.yearsago{background:#c7a644;color:#010024;padding:2px 5px;margin:0 0 5px 0}.tower_conatainer{display:none;position:relative;max-width:1110px;margin:0 auto;} .left_tower{position:absolute;width:120px;height:600px;overflow:hidden;z-index:15;left:0;top:75px;margin-left:-135px;}.right_tower{position:absolute;width:120px;height:600px;overflow:hidden;z-index:15;right:0;top:75px;margin-right:-135px;}.arti_contentbig h2{font-size:18px;font-weight:bold;}.mlikehd{color:#d03d04;font-size:14px;padding:0;font-weight:700;text-align:left;margin:10px 0}.mlikethumb{float:left;width:130px;height:100px;overflow:hidden;margin:0 10px 0 0;padding:0}.mlikecopy{color:#252525;font-size:16px;max-height:100px;line-height:1.4em;margin:0;padding:0}</style> <script> function enc(a,url){a.href = url;return true;} function showMessageBaord(){if(document.getElementById("boardiframe")){var obj = document.getElementById("boardiframe");var curtop = 0;if(obj.offsetParent){while(1){curtop += obj.offsetTop;if(!obj.offsetParent){break;}obj = obj.offsetParent;}}else if(obj.y){curtop += obj.y;}var scrht = curtop-120;window.scroll(500,scrht);}} function getViewportSize(w) { var w = w || window; 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document.getElementById(div_errmsg).style.display = "block"; } if(document.getElementById('frm_subscription_in_top')){document.getElementById('frm_subscription_in_top').style.display = "none";} if(document.getElementById('subwait_top')){document.getElementById('subwait_top').style.visibility = 'hidden';} } else { document.getElementById(div_errmsg).innerHTML = "<p class=red>"+resp_message+"</p>"; document.getElementById(div_errmsg).style.display = "block"; if(document.getElementById('subwait_top')){document.getElementById('subwait_top').style.visibility = 'hidden';} if(document.getElementById(subscribebtn)){document.getElementById(subscribebtn).disabled = false;} } } else { if(document.getElementById('subwait_top')){document.getElementById('subwait_top').style.visibility = 'hidden';} if(document.getElementById(subscribebtn)){document.getElementById(subscribebtn).disabled = false;} document.getElementById(div_errmsg).innerHTML = "<p class=red>System error!</p>"; document.getElementById(div_errmsg).style.display = "block"; } } if (subreq.readyState == 1) { if(document.getElementById('subwait_top')){document.getElementById('subwait_top').style.visibility = 'visible';} if(document.getElementById(subscribebtn)){document.getElementById(subscribebtn).disabled = true;} } } return false; } </script><div id="arti_content_n" class="arti_contentbig" itemprop="articleBody"><p><strong>If the nominations are not in place, the heirs need to go through a lengthy process to get access to the money, cautions Bindisha Sarang.</strong></p> <p><img class=imgwidth src="//im.rediff.com/getahead/2021/may/22legal-heirs.jpg?w=670&h=900" alt="" style="max-width:100%;" /></p> <div class="imgcaption"><em>Kindly note the image has only been posted for representational reasons.</em> <span class="credit">Photograph: Kind courtesy Aymane Jdidi/Pixabay</span></div> <div id="div_morelike_topic_container"> </div> <p class="rbig">During the second, more lethal, wave of COVID-19, the daily death count has been above the 3,000 mark for some time now.</p> <p>Many families have lost the breadwinner, and in some cases, both the spouses.</p> <p>Wherever the nominations are not in place, personal grief has got compounded with monetary worries as the family's wealth has become inaccessible to the heirs.</p> <p>If there is a nomination, financial service providers are required by law to transfer the money to the nominee, unless restricted by a court order.</p> <p>However, there's a caveat regarding the role of the nominee.</p> <p>"Any transfer in favour of the nominee does not confer on him any beneficial interest in relation to the financial instruments, which will be subject to the applicable laws of succession," says Avinash Khard, associate partner, DSK Legal.</p> <p>"The nominee has to hold the financial instruments, or the proceeds arising from them, in trust for the benefit of the deceased's legal heirs."</p><div id="shop_advertise_div_1"></div><div class="clear"><div class="inline-block" id="div_arti_inline_advt"><ins data-revive-zoneid="277" data-revive-source="_blank" data-revive-target="_blank" data-revive-id="4b71f4079fb345c8ac958d0e9f0b56dd" data-zonename="Rediff_ROS_Native_InFeed_Middle_INTL"></ins></div><div class="inline-block" id="div_arti_inline_advt2"></div></div> <p>If the nominations are not in place, the heirs need to go through a lengthy process to get access to their money.</p> <p><strong>Banking</strong></p> <p class="rbig">The nominee is the person the depositor designates as the trustee of the bank account, in case of his demise.</p> <p>What happens in the absence of a nominee depends on the nature of the account.</p> <p>If it is a joint account, then the operating condition could be 'either or survivor' or 'jointly'.</p> <p>"If the account is operated as 'either or survivor', then the survivor may claim the deposit," says Adhil Shetty, CEO, Bankbazaar. "If it is operated 'jointly', -- when both or all account holders need to sign for withdrawals -- then the bank will usually pay it out jointly to the surviving account holder and the deceased's legal heirs."</p> <p>If the account was operated individually, then the heirs may have to present the deceased's Will.</p> <p>"If the nomination is not updated in an account," says Praveen Bhatt, executive vice president and head, retail liabilities and direct banking channel, Axis Bank, "then the funds lying in the deceased customer's accounts are settled to his legal heirs, according to the mandate given by the legal heirs, once they have established their identity."</p> <p class="rbig">Once the legal heirs have submitted the claim documents, and the bank has verified them, the claim is settled to all the legal heirs, or to any one of them, as mandated by the heirs.</p> <p>The claimants will have to file an application along with a copy of the Death Certificate, the claim form, and the address and ID proof of each claimant.</p> <p>If there are multiple heirs and the assets have to be transferred to only one of them, then the other heirs will have to sign a disclaimer letter, relinquishing rights to the assets in favour of that person.</p> <p><strong>Insurance</strong></p> <p class="rbig">If there is no nominee, then the legal heirs have to claim the money locked up in insurance policies.</p> <p>"The legal heir needs to present a claim intimation letter along with other documents like death certificate, beneficiary's ID proof, policy papers, discharge form (if any), post-mortem report, and hospital records (in case of unnatural death)," says Naval Goel, CEO & founder, PolicyX.</p> <p>Sometimes, the insurer asks for a succession certificate issued by a court, specifically mentioning the policy number and the amount to be paid.</p> <p>"In certain exceptional cases, if there is no succession or legal heirship dispute in the family, after assessment we can also consider a legal heir certificate issued by a Class One magistrate, along with indemnity signed by all the legal heirs, specifying to whom, or all, payment of policy proceeds needs to be done," says Sachin Dutta, chief operating officer, Canara HSBC OBC Life Insurance.</p> <p><strong>Demat account</strong></p> <p class="rbig">If the demat account holder did not appoint a nominee, then securities are transferred from the demat account to the deceased's legal heirs according to the procedures laid down in the bylaws of the depository participant (DP).</p> <p>DPs ask for certain documents (please see table).</p> <p>If the value of the securities exceeds Rs 5 lakh, then the claimant has to provide a copy of the probate of the Will, or attested or notarised copy of letter of administration, or a duly attested or notarised copy of the succession certificate, or an order of a competent court to support his legal claim.</p> <p>Along with the transmission request, he must also submit a copy of the death certificate and client master report of the demat account.</p> <p><strong>Mutual funds</strong></p> <p class="rbig">Asset Management Companies (AMCs) nowadays have a standard transmission request form and require a common set of supporting documents for the transfer of units, as prescribed by the Association of Mutual Funds in India.</p> <p>"The procedure requires the heirs to first produce certain documents, including the death certificate, PAN Card and KYC acknowledgment of the claimant/s, documents proving their relationship to the deceased, etc. along with the transmission form," says Jayant Pai, head-products, PPFAS Mutual Fund .</p> <p>"Each AMC may have slightly varying documentation requirements," says Sriram Iyer, CEO, Digital Wealth Management, ARWealth, (an AnandRathi Company). "The requirements for amounts below Rs 2 lakh may be slightly less stringent while for larger amounts, a succession certificate or a probated Will may also be needed."</p> <p>Some AMCs might even ask for an individual affidavit, a succession certificate, or probate, or letter of administration (as against a bond of indemnity).</p> <p>Probate refers to the legal process in which a Will is reviewed to determine whether it is valid and authentic.</p> <div style="background-color: #caeeff; max-width: 95%; margin-left: 25px;"> <div style="width: 100%; background-color: #00a8f9; font-size: 1.6em; text-align: center;"><strong>Documents needed prior to making transmission of securities lying in the demat account</strong></div> <div style="font-size: 1.0em; line-height: 1.2em; padding: 0px 8px 8px 8px;"><strong>When letter of succession is available</strong> <ul> <li>Transmission request form</li> <li>Death certificate (original or attested, as the case may be)</li> <li>Succession certificate or letter of administration or the letter of probate</li> <li>Client master report of the claimant (if required)</li> </ul> <p><strong>When letter of succession is not available *</strong></p> <ul> <li>Transmission request form</li> <li>Death certificate (original or attested, as the case may be)</li> <li>Letter of indemnity executed by the claimant</li> <li>An affidavit executed by the claimant</li> <li>No-objection certificate from all legal heirs who are not claimants/family settlement deed (as the case may be)</li> <li>Client master report of the claimant (if required)</li> </ul> <div class="clear"></div><div id="div_outstream_bottom"><ins data-revive-zoneid="391" data-revive-source="_blank" data-revive-target="_blank" data-revive-id="4b71f4079fb345c8ac958d0e9f0b56dd" data-zonename="Rediff_ROS_InArticleVideo_Middle_INTL"></ins></div><div class="clear"></div><p>*Legal heir is unable to provide the succession certificate, or letter of administration, or the letter of probate and the amount of such securities are less then Rs. 5 Lakhs</p> <p><em>Source: DSK Legal</em></p> </div> </div> <ul> <li><a href="http://www.rediff.com/money/personal-finance/headlines" target="_blank"><strong>MONEY TIPS</strong></a></li> </ul></div> <style>.div_keepupadte{clear:both;font-family:'georgia','arial';font-size:18px;line-height:1.5em;margin-bottom:20px;background:#e8f1f8;padding:10px;}.div_keepupadte p{font-size:14px;font-weight:bold;font-style:italic;}.div_keepupadte form{margin-top:5px;font-family:arial;}.div_keepupadte form input{font-family:arial;height:30px;line-height:30px;font-size:14px;padding:0 5px;box-sizing:border-box;vertical-align:middle;outline:none;}.div_keepupadte .sub_email_in{color:#666;border:solid 1px #d3d3d3;width:205px;border-radius:0}.div_keepupadte .subscribe_btn_in{background:#0377c0;color:#fff;border:solid 1px #0377c0;letter-spacing:0.5px;font-weight:bold;cursor:pointer;border-radius:0}.subwait{display:inline-block;;width:30px;height:30px;background:url('https://imworld.rediff.com/worldrediff/pix/waitimg.gif') no-repeat 50% 50%;vertical-align:middle;visibility:hidden;}.red{color:#d80404}.f17{font-size:17px;}.hlabel{position:absolute;font-size:0 !important;width:1px;height:1px;overflow:hidden;}</style> <i class="clear ht10"></i> <div id="span_subscibe"> <div id="div_subscribe_in" class="div_keepupadte"> <form name="frm_subscription_in" method="POST" id="frm_subscription_in"> <span class="f17 bold"><span class="f17 red">Get Rediff News</span> in your Inbox: </span><label class="hlabel" for="sub_email_in">email</label><input type="text" onkeypress="if(event.keyCode==13){return submitSubscribe('sub_email_in','subscribe_btn_in','div_subscribe_in','div_subscrip_message_in');}" onblur="showDefValue(this);" onfocus="showDefValue(this);" autocomplete="off" id="sub_email_in" name="sub_email_in" value="Email Address" class="sub_email_in" /><input type="button" onclick="return submitSubscribe('sub_email_in','subscribe_btn_in','div_subscribe_in','div_subscrip_message_in');" value="Keep Me Updated" id="subscribe_btn_in" class="subscribe_btn_in" /><i id="subwait" class="subwait"></i></form> <div id="div_subscrip_message_in" class="hide"></div> </div> </div> <script> function getScrollTop(){if(typeof pageYOffset != 'undefined'){return pageYOffset;}else{var B = document.body;var D = document.documentElement;D = (D.clientHeight)? 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