PPF, POST OFFICE AND NSC CLAIM WITHOUT A NOMINEE
Claim by the legal heirs of a holder who left no nominee
To: The Postmaster, __________, __________
Sir or Madam,
- 6. What I ask you to do.
(a) Mark each account and certificate as that of a holder who has died, and do not pay any other person from today.
(b) Tell me in writing the claim form and every paper you need from me and from the other legal heirs, and whether you will settle on the papers I name or ask for a court certificate.
(c) Tell me the amount payable on the date of death and the amount payable today, with the interest worked out at each date, the rate on which you have worked it, and any rule that stops or changes the interest after the death.
(d) Pay the amount due to the account described in paragraph 7.
(e) Give me a statement of the interest paid, in the form you issue to holders.
- 8. What I accept. I understand that you will pay so that you are safely discharged, and that this does not by itself decide who owns the money as against the other legal heirs. If you pay and it is later found that someone else had a better right, I will account to that person for what I received.
- 9. If the claim is not settled. If you reject the claim or do not reply within the time allowed, I will take the matter to the senior officer of your office, and I am free to bring a consumer complaint before the District Consumer Disputes Redressal Commission.
Please acknowledge this letter and tell me the name and telephone number of the officer who will handle the claim.
ENCLOSURES
LEGAL BASIS
Punjab: A Public Provident Fund account is governed by the Public Provident Fund Act, 1968 and the Public Provident Fund Scheme, 2019, a post office account by the Government Savings Banks Act, 1873 and the rules under it, and a National Savings Certificate by the Government Savings Certificates Act, 1959 and the rules under it. Each allows a nominee to be recorded and the office to pay the nominee and be discharged. Where there is no nominee, the office pays the legal heirs on the evidence its rules accept, which may be a succession certificate granted by the District Judge under the Indian Succession Act, 1925, or, below a figure the rules set, an affidavit and an indemnity. The order in which a Hindu's heirs inherit is set by the Hindu Succession Act, 1956, and other communities follow their own law. The Head Postmaster or the bank's branch manager decides the claim, and a claimant who is not satisfied can go to the senior officer of the office, or file a consumer complaint before the District Commission. A dispute among the heirs is decided by the civil court, and an appeal goes to the District Judge or to the Punjab and Haryana High Court.
Chandigarh: The same Acts and rules apply to a post office or bank branch in the Union Territory, with a succession certificate granted by the District Judge, Chandigarh. A claimant who is not satisfied can go to the senior officer of the office, or file a consumer complaint before the District Commission serving the Union Territory. A dispute among the heirs is decided by the civil court at Chandigarh, with an appeal to the District Judge, Chandigarh, or to the Punjab and Haryana High Court.
PERSONAL DATA NOTICE
This notice is given under the Digital Personal Data Protection Act, 2023.
The purpose of collecting personal data in this PPF, Post Office and NSC Claim without a Nominee is to identify the holder who died, the claimant and the other heirs, record the claim to the accounts and certificates, and let the office pay the amount due or say what more it needs.
If the matter does not proceed, the personal data will be retained for 90 days and then erased. If the matter proceeds, the record will be retained for the matter plus 12 months, except where a statute requires a longer named retention period.
Data minimisation: this document does not collect a full Aadhaar number, an Aadhaar-card copy, a password or bank credentials.
SIGNATURE