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Proof of death of depositor i.e. copy of death certificateof depositor, Photograph & KYC of. all claimant(s)/legal heirs, ... Letter of Disclaimer(Duly stamped & Notarised)Annexure-A, Letter of Indemnity (Duly stamped) Annexure-C. Declaration as per point no.5 in application form. ( Form No.33 Revised)
Mention name of the deceased and date of expiry. In case person is missing/not traceable (i.e., whereabouts of person is unknown for more than 7 years an order/certi?cate of legal death/presumption of death may be issued by Court) mention date since missing.
In case of no nomination, if the PPF account balance is not more than Rs 1 lakh, the legal heir can claim the amount without producing a succession certificate, but with the other affidavits (letter of indemnity, an affidavit on stamp paper, a letter of disclaimer on affidavit on stamp paper, death certificate, ...
If an account holder does not specify a 'nominee,' the legal heirs (one who is the successor and whose name is mentioned in the will of the deceased person) may have to go through a lengthy and complicated process to claim the funds in the account or any asset related to the account after the account holder's death.
If there is no nominee in bank account after death, there will be problems in transferring the account holder's money. There might be legal disputes or delays in transferring the account to the legal heirs.