FD Claim Without Nominee: Legal Heirs Can Still Claim, Know the Rules

• Fixed Deposits can be claimed by legal heirs even without a nominee, provided rules and documents are correct.
• A nominee is authorized to receive the amount after the account holder's death but is not the owner; ownership belongs to legal heirs.
• To claim an FD without a nominee, banks require a death certificate and proof of legal heirship.
• Documents like a Succession Certificate (from civil court) or Legal Heir Certificate (from local revenue officer) may be requested.
• Updating nominees regularly and creating a will can prevent delays and disputes in claiming FD amounts.