Kaagazaat

Fixed Deposit Claim Letter

At a glance

Price: Free
Stamp duty: Punjab and Chandigarh: no stamp duty is payable.
Registration: Punjab and Chandigarh: not registrable.
Witnesses: Punjab and Chandigarh: no witness is needed for the claim letter.

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Also called

claim deceased person's fixed deposit
FD claim after death
fixed deposit nominee claim
FD legal heir claim
fixed deposit maturity after death
mritak FD dava patra
FD di maut ton baad dava

When you need it

Use this when a person who placed a fixed deposit has died and you want the bank to pay it out, or hold it until it matures. The letter works for a nominee, a legal heir, a surviving joint holder or an executor. Answer the questions from the deposit receipt or the bank's statement and the death certificate; choose whether you come as nominee, joint holder or legal heir, and say whether you want the deposit closed now or held to maturity.

Papers to attach: the death certificate; the original deposit receipt, or a letter of indemnity if it is lost; your identity and address proofs with the Aadhaar number masked; the bank's claim form; and the proof of your right, either as nominee, or, where there is none, a legal heir certificate, an indemnity bond with an affidavit of legal heirship, a succession certificate or probate, whichever the bank accepts. Ask the bank for a written figure of what closing early would cost before you choose. No stamp duty or registration is needed for the letter. Send it to the branch manager by hand against a stamped copy, or by registered post, and keep the proof. If the bank rejects the claim or does not reply within 30 days, the next step is the Complaint to RBI Banking Ombudsman.

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See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

Punjab and Chandigarh: no stamp duty is payable. A letter claiming a fixed deposit after the depositor's death creates, transfers or extinguishes no right, so it is not an instrument within section 2(14) of the Indian Stamp Act, 1899, and the claimant signs it alone. A bank or office may separately ask for an indemnity bond or an affidavit on stamp paper; those are other papers, and their stamp duty is not part of this letter.

Registration

Punjab and Chandigarh: not registrable. A fixed deposit is a debt owed by the bank, not immovable property, so section 17(1)(b) of the Registration Act, 1908 does not reach this letter or the discharge on the receipt. Keep the stamped copy and the bank's written figures.

Notarisation

Punjab and Chandigarh: no notarisation is needed for the letter. The bank may ask for the discharge on the back of the receipt to be signed before an officer of the bank, and for an affidavit of heirship or a letter of indemnity to be sworn or stamped; ask the branch.

Witnesses

Punjab and Chandigarh: no witness is needed for the claim letter. The claimant signs alone; any witness to the discharge on the deposit receipt is the bank's requirement.

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FIXED DEPOSIT CLAIM LETTER

Claim for a fixed deposit after the death of the depositor

Date: 2 April 2026, at Ludhiana

I am delivering this letter by hand and keeping the stamped copy.

To: The Branch Manager, Punjab National Bank, Model Town branch, Ludhiana 141002

From: Gurpreet Kaur Sandhu, House No. 118, Sarabha Nagar, Ludhiana 141001 (email gurpreet.sandhu@example.com, telephone +91 98150 22418)

Subject: Death of Harbans Singh Sandhu and claim for the fixed deposit(s) Receipt no. 40718 for 300000 rupees and receipt no. 40719 for 150000 rupees.

Sir or Madam,

1. The deposit. Harbans Singh Sandhu placed the following with your branch: Receipt no. 40718 for 300000 rupees and receipt no. 40719 for 150000 rupees. The deposit is a cumulative fixed deposit, with interest added to the deposit, was opened on 2 April 2026 for ₹4,50,000 (Rupees Four Lakh Fifty Thousand only), and is due to mature on 3 April 2026. The deposit is held in the sole name of the person who died.

2. The death. Harbans Singh Sandhu died on 1 April 2026 at Dayanand Medical College Hospital, Ludhiana. The death certificate is No. D-2026-014872 issued on 12 September 2026 by the Municipal Corporation, Ludhiana, and a copy is enclosed. Please record the death against the deposit from that date.

3. My right to claim. I am the daughter of the person who died. I am the nominee recorded for this deposit, and I claim it as nominee. The nominee recorded for the deposit, as far as I know, is Mrs Surinder Kaur Sandhu, wife.

4. The other heirs. The legal heirs of Harbans Singh Sandhu are: Mrs Surinder Kaur Sandhu (wife), Gurpreet Kaur Sandhu (daughter) and Jaspreet Singh Sandhu (son). The other heirs know of this claim and have agreed to it, and their signed letters of no objection are enclosed.

5. The deposit receipt. I hold the original receipt and will hand it over when the claim is paid. I understand that a loan was taken against this deposit and I ask you to adjust it first.

6. How the deposit is to be dealt with. Close the deposit now and pay the amount due on the date of death with interest as the rules allow.

7. What I ask you to do.

(a) Mark the deposit as that of a deceased depositor, and do not renew it, roll it over or pay interest to any other person from today.

(b) Tell me in writing the amount payable on the date of death and the amount payable today, with the interest worked out at each date and the rate on which you have worked it.

(c) Tell me whether any charge or reduction in interest applies because the deposit is closed before it matures on account of the death, and the rule on which you rely.

(d) Give me the list of forms and papers you need, and say whether you will settle on the papers I name or ask for a court certificate.

Questions about this document

Does the Fixed Deposit Claim Letter need stamp paper or stamp duty in Punjab and Chandigarh?

Punjab and Chandigarh: no stamp duty is payable.

See the full position on stamp duty, registration and witnesses

Does the Fixed Deposit Claim Letter need registration in Punjab and Chandigarh?

Punjab and Chandigarh: not registrable.

See the full position on stamp duty, registration and witnesses

What does the Fixed Deposit Claim Letter cost on Kaagazaat?

Free.

Documents are free. Only kits are paid.

Does the Fixed Deposit Claim Letter need witnesses?

Punjab and Chandigarh: no witness is needed for the claim letter.

See the full position on stamp duty, registration and witnesses

Often needed with this document

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