FD Without Nominee? Here's How Legal Heirs Can Claim Funds

• Fixed Deposits without a nominee can still be claimed by legal heirs, but specific documentation is required.
• A nominee is authorized to collect funds from the bank, but legal ownership belongs to the actual heirs.
• Banks typically require proof of death and legal heirship; a will simplifies the process significantly.
• Without a will, a Succession Certificate or Legal Heir Certificate may be needed from authorities.
• Regularly updating nomination details and creating a valid will can prevent future complications for families.