⚖️ Legal & Banking • POSB Statutory Rules

Post Office Deceased Claim Guide (With / Without Nomination)

Step-by-step procedure to claim Post Office Savings, PPF, SCSS, MIS & NSC accounts of a deceased family member. Learn about the enhanced ₹5,00,000 claim limit without a court succession certificate, download Forms 11, 12 & 13, and generate indemnity templates.

Limit: ₹5 Lakhs (No Court Order) Nominee: Unlimited Payout (Form 11) Penalty: 100% Waived on Death TAT: 7–21 Working Days
Ministry of Finance Enhanced Ceiling: Claims for payment of balance of deceased depositors where no nomination exists or nominee has pre-deceased can now be sanctioned up to ₹5,00,000 without requiring a Civil Court Succession Certificate (enhanced from the older ₹1,00,000 limit).
Download Forms 11, 12, 13 ↓

Claim Case Parameters

Select nomination status, total balance, and account scheme to identify the exact statutory pathway.

POSB 2026 Rules
₹10,000 ₹5 Lakh Limit Ceiling ₹10,00,000+
Notice on Multiple Accounts: The ₹5,00,000 limit is calculated based on the aggregate balance across all accounts / certificates held by the deceased person in India Post.
RECOMMENDED SETTLEMENT PATHWAY
Case B: No Nomination Registered – Balance up to ₹5,00,000 (Statutory Exemption)
Under the enhanced Ministry of Finance & India Post notification, claims up to ₹5,00,000 without nomination do NOT require a court succession certificate. Settlement is sanctioned using Form 12, 13 (Letter of Indemnity with 2 sureties), and Form 15 (Disclaimer from other heirs).
Statutory Requirements & Sanction Level
Competent Sanctioning Authority: Senior Postmaster / Assistant Superintendent of Posts (ASPO)
Court Succession Certificate: Not Required (Exempt)
Solvent Sureties Required: 2 Sureties
Estimated Processing Time (TAT): 21 Working Days
Post Office Savings Account (POSB) Interest Rules on Death: Normal 4.0% p.a. interest is credited up to the month of final payment to the nominee/legal heir.

Step-by-Step Claim Procedure (5-Stage Roadmap)

Standard operating procedure followed by Head Post Offices and Divisional Superintendents to sanction death claims.

Stage 1

Death Certificate & Passbook

Obtain the official Computerized Death Certificate issued by the local Municipal Corporation / Gram Panchayat. Collect all physical passbooks, TD/MIS receipts, and NSC/KVP certificates.

Stage 2

Check Nomination Record

Visit the Post Office where the account is held. The postal assistant checks the Finacle core banking system for registered nominee names. If nominee exists → Proceed directly with Form 11.

Stage 3

Indemnity & Disclaimers

If no nominee and balance ≤ ₹5 Lakhs: Execute Form 13 (Indemnity Bond) on ₹100 non-judicial stamp paper with 2 solvent sureties. Obtain Form 15 (Disclaimer) from other legal heirs.

Stage 4

Submission & Sanction

Submit file to the Postmaster. Claims up to ₹50k are sanctioned by SPM; up to ₹2L by Sr Postmaster; up to ₹5L by Divisional SSPO. An acknowledgment receipt is issued to the claimant.

Stage 5

Direct Bank Disbursement

Once the sanction order is passed, the funds (principal + interest) are credited directly into the claimant's bank account via electronic NEFT / RTGS or credited to their Post Office Savings Account.

Official India Post Deceased Claim Forms (Standard Formats)

Click below to preview, fill in details, and print standard statutory forms ready for post office submission.

FORM 11

[See Rule 15 of Government Savings Promotion General Rules, 2018]
Application for Payment of Balance in Deceased Depositor's Account to the Nominee

To,
The Postmaster / Sub Postmaster,
___________________________ Post Office,
PIN: ___________________

Sir / Madam,

I, _____________________________________________________ (Name of Nominee), residing at ______________________________________________________________________________________, am the registered nominee in respect of the following account(s) / certificate(s) held in the name of Late _____________________________________________________ (Name of Deceased Depositor):

Type of Account / Scheme Account / Certificate No. Date of Issue / Opening Balance / Face Value (₹)
1. ___________________ ___________________ ___________________ ₹___________________
2. ___________________ ___________________ ___________________ ₹___________________

The said depositor died on dated ____/____/________ at ___________________________. Original Death Certificate No. ________________________ issued by __________________________________ is enclosed herewith.

I request you to kindly sanction the balance standing to the credit of the deceased depositor together with eligible interest and credit the same to my Bank Account:

Bank Name: ___________________________________ Account No: ___________________________________
IFSC Code: ___________________________________ Branch: _________________________________________

Date: ____/____/2026
Place: __________________
________________________________________
Signature / Thumb Impression of Nominee
Mobile: _______________________________

Competent Sanctioning Authority Limits (India Post POSB)

Official administrative financial powers for sanctioning claims of deceased depositors without nomination.

Balance Amount Slab Sanctioning Officer Required Documents Estimated Days
Up to ₹50,000 Sub Postmaster (HSG-II / LSG) Form 12, Form 13 (Letter of Indemnity) + 1 Surety, Death Certificate 10–14 Days
₹50,001 to ₹2,00,000 Senior Postmaster / Assistant Superintendent of Posts (ASPO) Form 12, Form 13 + 2 Solvent Sureties, Form 14 Affidavit, Form 15 Disclaimer 15–21 Days
₹2,00,001 to ₹5,00,000 Senior Superintendent of Post Offices (SSPO / SPO) Form 12, Form 13 + 2 Solvent Sureties, Notarized Affidavit, Sub-Divisional Inquiry Report 21–30 Days
Above ₹5,00,000 Chief Postmaster General (CPMG) Mandatory Court Succession Certificate or Probate of Will under Indian Succession Act 60–90+ Days

Frequently Asked Questions – Post Office Deceased Claims

Legal guidance on succession, disputed claims, and account settlements under POSB statutory rules.

Can the nominee continue the Senior Citizen Savings Scheme (SCSS) account of a deceased spouse?
Yes. If the surviving spouse is the sole nominee and has reached 60 years of age (or qualifies under retired defense/civilian personnel relaxation), they may choose to continue the SCSS account on the same terms and interest rate until original maturity, subject to the overall ceiling limit of ₹30 Lakhs.
What happens if the original Post Office passbook or certificate is lost after death?
If the physical passbook or certificate cannot be found, the nominee or legal heir must submit an application for the issuance of a Duplicate Passbook along with an indemnity bond. The Postmaster will trace the account number via the depositor's CIF (Customer Information File) and Aadhaar number in the core banking database.
What is the role of the nominee under Indian succession law? Does the nominee become the absolute owner?
Under Supreme Court rulings and Indian law, a nominee acts as a trustee of the funds. While India Post discharges its statutory liability completely by paying the full balance to the registered nominee (under Section 4 of the Government Savings Promotion Act), the nominee holds the funds on behalf of all legal heirs entitled to the deceased's estate under their personal succession law (Hindu Succession Act, Indian Succession Act, etc.).
Is there any time limit / limitation period to submit a deceased claim at the Post Office?
There is no strict expiry date or limitation period for claiming deceased deposits. Even if an account has been dormant or silent for 10 or 20 years, legal heirs retain the right to claim the principal and accumulated interest. Accounts inactive for over 10 years are transferred to the Senior Citizens' Welfare Fund (SCWF), but can still be reclaimed with accrued interest through the Head Post Office.