Post Office Deceased Claim Guide (With / Without Nomination)

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.

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.

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.

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.

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

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):

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: _________________________________________

FORM 12

To,
The Senior Superintendent of Post Offices / Postmaster,
___________________________ Division / Post Office.

I / We, the undersigned, being the surviving legal heir(s) of Late _____________________________________________________, who died on ____/____/________, hereby make an application for payment of balance standing in the deceased person's account(s) amounting to ₹___________________ (Rupees _____________________________________________________________________ only).

I / We solemnly declare that:
1. The deceased died intestate without executing any Will or registering a nomination with the Post Office.
2. The total balance of all accounts / savings certificates held by the deceased in the Department of Posts does not exceed ₹5,00,000.
3. The list of all surviving legal heirs is detailed below:

FORM 13 (LETTER OF INDEMNITY)

KNOW ALL MEN BY THESE PRESENTS that we, _____________________________________________________ (Principal Claimant), and (1) _____________________________________________________ (Surety 1) and (2) _____________________________________________________ (Surety 2), jointly and severally hold ourselves firmly bound unto the President of India in the sum of ₹___________________ (Rupees _____________________________________________________________________ only) to be paid to the Department of Posts...

WHEREAS Late _____________________________________________________ was a depositor in Account No. ________________________ at ___________________________ Post Office and died on ____/____/________ without nomination.

AND WHEREAS the Department of Posts has agreed to pay the sum standing to the credit of the deceased to the Principal Claimant upon the Principal Claimant and two solvent sureties executing this indemnity bond...