FD Without Nominee: How Legal Heirs Can Claim Funds & Avoid Delays

• Fixed deposits without a nominee can still be claimed by legal heirs if proper rules and documents are followed.
• A nominee is authorized to collect funds but legal ownership rests with rightful heirs as per inheritance laws.
• Banks require a death certificate and proof of legal heirship; a will simplifies the process significantly.
• Without a will, a succession certificate or legal heir certificate may be needed for spouse and children to claim.
• Regularly updating nomination details and preparing a valid will can prevent delays and complications for families.