Can a bank refuse claim on FD to a real nominee

So far, no reply has come. Can anybody reply to the above query

You query is not clear. In first sentence you have said "and nominated me".

If she nominated you, why would the bank object?

What proof do you have that you are the nominee?

Hi, When my mother opened the account, the bank would have checked  the nomination details. In new forms of latest years, you have to click either nominate or no nominee in the form to confirm if you opt the correct one. I do not think, that anybody is depositing the FD to take the proceeds after ones death to the bank itself. These are normal considerations.The bank did not receive the claim letter by me and inform me about the refusal in writing.

Since there is no fill up of nominee in their computer details, I was asked to file legal heir certificates etc.

The deposit was started and the latest receipt by the bank had no nomination name or anything printed on it.

I think that I have made it clear to S A to reply

Which bank is it?

You will have to check the bank's policy about this.

RBI's guidelines are not very clear about such issues. There is a "may" in the master circular and that means banks have the liberty to decide their own policies.

"In this context, banks may, keeping in view their risk management systems, fix a minimum threshold limit, for the balance in the account of the deceased depositors, up to which claims in respect of the deceased depositors could be settled without insisting on production of any documentation other than a letter of indemnity."

https://www.rbi.org.in/scriptts/NotificationUser.aspx?Id=2284&Mode=0

Hi, the link is not opening.

I have already sent this to their grievance email.

RBI/2015-16/59
july 1, 2015 to All Scheduled Commercial Banks
(Excluding RRBs).Leg.BC. 21/09.07.

20.2 Accounts without the survivor / nominee clause

In case where the deceased depositor had not made any nomination or for the accounts other than those styled as "either or survivor" (such as single or jointly operated accounts), banks are required to adopt a simplified procedure for repayment to legal heir(s) of the depositor keeping in view the imperative need to avoid inconvenience and undue hardship to the common person. In this context, banks may, keeping in view their risk management systems, fix a minimum threshold limit, for the balance in the account of the deceased depositors, up to which claims in respect of the deceased depositors could be settled without insisting on production of any documentation other than a letter of indemnity.

No reply so far received. The custodian bank use ,may, instead of authoritative is like escaping the main issue, I think.

If the amount is huge, then this clause of succession etc would be needed . A single claim for Rs.30000 , if it needs all certificates, no objection, kyc signed etc would it not be too much. I say it is a well established private bank

Had they rejected my claim in writing then I can go to the ombudsman. Still waiting