Odisha Bank Case: Recently a shocking case came to light from Odisha. An elderly man was seen going to the bank carrying a skeleton on his shoulder. This video went viral rapidly on social media. After the video went viral, its truth was revealed that it was a brother who had taken his sister’s skeleton to the bank to withdraw some money. By showing this he could confirm to the bank employees that his sister has passed away. This matter is not so small but it is a lesson for everyone to learn.

This matter is going to raise many questions. In this case both the account holder and the nominee have passed away. In such a situation, when a brother went to withdraw only Rs 20 thousand from his sister’s account, due to incomplete documents he had to take his sister’s dead body to the bank as proof.

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This case teaches us a lot
This case is a big lesson for the people who take bank work carelessly. Account holders should submit all the documents properly in the bank. Because when the account holder dies and the nominee also dies, then it becomes very difficult to withdraw money from the account. Especially when the documents are not deposited in the bank after the death.

The process will be easier if there is a nominee
If the account holder dies and the nominee of the account is alive, then this process is easy. In such a situation, the nominee is called the heir of this money and can easily withdraw the money. However, when the nominee also dies, it becomes very difficult to withdraw money from the account. In such a situation, when the legal heir withdraws the money, he has to face similar problems.

What to do in case of death of both the account holder and the nominee?
If the account holder dies and there is no nominee, then some difficulties may arise in that situation. To deal with this, the bank asks for certain documents from the legal heirs, such as:

• Legal Heir Certificate
• Family Register or Affidavit
• consent of all heirs
• death certificate

What to do if documents are incomplete?
Even if you have incomplete documents, there is no need to worry too much, you have some options, such as:

• Claim can be taken from the bank by giving Indemnity Bond.
• The process can be made easier by obtaining No Objection Certificate (NOC) from other heirs.
• In cases of small amounts (like Rs 5-10 lakh) many banks adopt easy procedure.

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What to do if the account is disputed?
If the account is disputed, that is, there are multiple holders of the account and they are quarreling among themselves, then a succession certificate is also submitted.

• This is issued from the district court.
• This makes it clear to the bank as to who is the real owner.

Let us tell you that every bank has its own process, giving wrong or incomplete documents in a hurry can lead to claim rejection. In case of dispute, it is better to take legal advice. In such matters, it is easier and better if work is done after consultation.