This is a personal finance document manager, which has all the importan

which his/her family may need at the time of emergency. This document w
in case of death of the main breadwinner of the family, or when he/she is
critical information. Please share this file with your spouse/family member
Master Document List
If your family members are stuck with any thing and need some guidance
breadwinner, we will be happy to answer their queries. They can mail the
jigish@jpfinancial.in

Person Name Date of Birth Employer Phone

Name (self)
Spouse Name
Mother Name
Father Name
Children 1 Name
Children 2 Name

Most Important Documents These are the most important documents and their high level information
by the family for various purposes
Document Number Where is it Kept? Comments

Aadhaar Card
PAN Card
Voter ID Card
Passport
Marriage Certificate
Driving Licence
4 Wheeler Registration (Name of the Car)
2 Wheeler Registration (Name of the bike)
Birth Certificate
Will (if Any)
Medical Records
Important Keys
Others
Others
Others
Others
Others
Others
Others
Others

Important Contacts
Type Name Phone Number Email
Financial Planner
Life Insurance Agent
Health Insurance Agent
CA
Lawyer
Stock Broker
Doctor
Bank Relationship Manager 1
Bank Relationship Manager 2
Business Partner
Important Office Collegue
Best Friend
Others
Others
Others
Others
Others
Others

Banking Related These are all banking related i

Accounts Account Number Branch / Location Login ID
Saving Bank Account 1
Saving Bank Account 2
Saving Bank Account 3
Saving Bank Account 4
Saving Bank Account 5
Locker 1 (write content also)
Locker 2 (write content also)
Locker 3 (write content also)
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Cards Card Number Expiry (MM/YY) CVV PIN (for ATM)
Debit Card 1
Debit Card 2
Debit Card 3
Credit Card 1
Credit Card 2
Credit Card 3
Others
Others
Others

Insurance Data
Policy Name Insurer Name Policy Number Sum Insured
Term Insurance Policy 1
Term Insurance Policy 2
Life Insurance Provided by Office
Health Insurance Policy 1
Health Insurance Policy 2
Health Insurance provieed by Office
Critical Illness Policy
Car Insurance Policy
Bike Insurance Policy
Home Insurance Policy
Critical Insurance Policy
ULIP
Others
Others
Others

Assets
Other Investments URL To Login Amount (optional) Login ID
Real Estate 1
Real Estate 2
Real Estate 3
Real Estate 4
Mutual Fund
Demat Account
PPF
EPF
NSC
KVP
Gold Bonds
Silver
NPS (National Pension Scheme)
ULIP 1
ULIP 2
ULIP 3
Chit Fund
Small Case
P2P Lending
Others
Others
Others
Others
Others
Others

Loan
Loan Name Company Loan Outstanding Loan Account NumbLogin
Home Loan 1
Home Loan 2
Car Loan 1
Car Loan 2
Personal Loan
Gold Loan
Education Loan
Bike Loan
Credit Card Loan
Others
Others

Give and Take

Money Given To Purpose and Date Amount Phone/Email
Name of the person
Name of the person
Name of the person
Name of the person
Name of the person
Money Taken from Purpose and Date Amount Phone/Email
Name of the person
Name of the person
Name of the person
Name of the person
Name of the person

Online Password
Which one? URL Login ID Password
Gmail ID 1
Gmail ID 2
Gmail ID 3
Gmail ID 4
Facebook
Twitter
Instagram
Linkedin
ITR website
Electricity Bill Payment Website
Gas Bill Payment Webiste
Anyother Email id
Anyother Email id
Anyother Email id
Phone PIN
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others
Others

Assets Liability
Asset Name Amount Liability Amount
Fixed Deposits in Bank Home Loan
Mutual Funds Car Loan
Stocks Personal Loan
PPF Education Loan
EPF Credit Card Debt
Real Estate Loan Taken from Someone
Cash in Bank
Gold - Jewelery
Gold Bonds
Bonds
Corporate FD
Loan given to Some one
RSU from Company
NSC
Sukanya Samriddhi Scheme

Total 0 Total 0

PENDING TASKS Various TO DO Activities which are pending in financial life yet
Which one? Explaination
EPF Transfer
Change name in Electricity Bill
Get Land Registered in 7/12 records
 has all the important information related to a person
ncy. This document will serve as a master document
y, or when he/she is missing and the family needs
ouse/family members.

need some guidance after the demise of the main

s. They can mail their queries or doubts at

hone Email Address

igh level information which may be required

omments
Important Points
l banking related information
Password / Hint Nominee Name
IN (for ATM) 6 digit VISA password (for VisAny Important Point

Login Password / Hint Important point

Password / Hint Nominee Important Point
ogin Password / Hint Important point
 How much to take back Important Points

How much to pay back Important Points

ne Password
Security Password / Hint Important Point Why will family need it?
Networth
 Networth

al life yet
This document belongs to www.jagoinvestor.com
 Here is a 30 point checklist of im
1 For claiming almost everything, the most important document you will ne
2 If a WILL was not written, then you may be asked for a "Succession Certific
too
3 Do collect and arrange all the basics ID and documents like Marriage certi
4 Do search for all the documents and important papers in house, bank lock
5 If spouse death happened in hospital and there was a health insurance, do
Do reach out to Employer and check if there was any life insurance provid
6 Scheme under EPF.. Claim from that
7 Do try to get access to email id and google drive (or any other platform), y
8 If a WILL is already written, do make sure you are ready with PROBATE of
9 Change name / Email / Phone in Property Tax records
10 Change name / Email / Phone in Electricity Bill Records
11 Change name / Email / Phone in Gas Bill Records
12 Do file the latest ITR for deceased as there may be income and pension co
13 Check if there was any tax refund for the current year and claim that
14 Stop any online subscriptions of softwares and services which were availe
15 Find out if any payments were done to any PERSON in last few years, that
loan was taken through credit entries
16 Make a list of all the ancestral assets from where the deceased had a shar
17 Remove the name of the deceased from the health insurance. This will me
18 Once things transfer on your name, then please write a WILL yourself and
19 Dont leave too much money in Saving Bank account. There are many frau
20 Talk to their best friends or office collegues, they may be aware of some in
21 Dont forget to claim the last salary and any unpaid leaves which are pend
22 You may want to check with past employer for the tax proof documents o
23 You may want to check the CIBIL Report which may give some indication o
24 A lot of people invest in ESPP plans for company stock. Check for that
25 A lot of investors have RSU (Company Stocks) and also ESOP (Stock option
26 Dont close the bank account very soon, as there might some dividends, re
27 If deceased is NRI, then some investments may be there out of India, espe
28
29
30

Various Assets/Investments to Claim

What?
Term Insurance Policy
Life Insurance from Employer
 Insurance under EDLI Scheme (upto 7 lacs)
ULIPS

Insurance Old LIC policies

Home Loan Insurance

Insurance from Debit/Credit Cards

Health Insurance
EPF
PPF
Real Estate
Plot Schemes
Bank Account

Locker

Investments & Mutual Funds

Pension Demat Account
Soverign Gold Bonds
Sukanya Samriddhi Scheme
Post Office Deposits
NPS
RSU, ESOP, ESPP from employer
EPS Scheme
Central / Govt Employers
Credit Cards
Clear Small Loans
Loans
Home Loan

What are different words or sentences to search in EMAIL ID so that

1 Premium
2 Term Insurance Premium
3 Helath Insurance Premium
4 NSDL or CSDL
5 Folio
6 Mutual Fund
7 NPS
8 PRAN
9 Health Insurance
10 Loading
 Here is a 30 point checklist of important things to complete once the main breadwinner of family
most important document you will need is "Death Certificate". Do apply for death certificate and get it no
may be asked for a "Succession Certificate" which proves that you are the legal heir. Do meet a lawyer and

ID and documents like Marriage certificate, PAN, Adhaar Card, Birth Certificate, Bank Passbook etc in one
d important papers in house, bank locker and Gmail Drive or Email attachements. You may get lots of infor
al and there was a health insurance, dont forget to claim the health insurance amount later. Its fine if ther
k if there was any life insurance provided by them. Do checkout the claim process. If there was no insuran

google drive (or any other platform), you will get tons of data/information from there
sure you are ready with PROBATE of WILL. It may be needed for property transfer work
perty Tax records
ctricity Bill Records
s Bill Records
s there may be income and pension coming in for the same year. Contact the CA to understand how to co
r the current year and claim that
wares and services which were availed by the deceased
to any PERSON in last few years, that can give you some hint if any loan was provided to any friend / coll
es
s from where the deceased had a share. Do check with a lawyer what actions needs to be done to secure
rom the health insurance. This will mean reduced premium from next year. Dont close or stop health insu
then please write a WILL yourself and also put a nominee for every investments. Dont make same mistak
ng Bank account. There are many frauds and cheating which can happen hence atleast make the FD for th
llegues, they may be aware of some investments or any financial transaction which might be mentioned t
and any unpaid leaves which are pending at employer end.
mployer for the tax proof documents or declartion from where you may get some idea on investments and
port which may give some indication on past loans or spendings done .. Some hint can come from that if n
for company stock. Check for that
ny Stocks) and also ESOP (Stock options). Do explore that and some money may come from there
on, as there might some dividends, refunds, payments which may come
ments may be there out of India, especially some deposits or cash in foreign bank account.

im
Note
You can claim from all term insurance policies.
Do reach employer and ask for HR contact. Get help from them
 If there is no life insurance scheme from employer, you can claim from EDLI scheme under EPF
If there was any ULIP policy, there is some insurance there - do claim that
If there were LIC policies or other company traditional policies, you can claim from that. Do try t
where you may get all data
If there was any home loan insurance taken (check property papers or loan disbursement paper
for that so that they can process the insurance
Many debit and credit cards provide accidental death cover, please check out what are terms ap
happen from there
If death of spouse happened in hospital, you may want to claim for health insurance later once t
You can claim from all term insurance policies.
Do reach employer and ask for HR contact. Get help from them
If there is no life insurance scheme from employer, you can claim from EDLI scheme under EPF
If there was any ULIP policy, there is some insurance there - do claim that
If there were LIC policies or other company traditional policies, you can claim from that. Do try t
where you may get all data
Many debit and credit cards provide accidental death cover, please check out what are terms ap
happen from there
You can claim from all AMC mutual funds. The units will be transferred to your own name.
Do claim each demat account separately. You will need to open a demat account to get all the s
Search the demat account or email id to trace if any soverign gold bonds were bought
You can claim all the money before maturity
Any thing in postal deposits
Do claim NPS amount
Any employer benefit in form of RSU, ESPP or ESOP
If there was EPF contribution for more than 10 yrs, then family is eligile for Pension from EPFO. S
past employers if not done already
If the deceased was govt employee, start process of giving all docs etc for starting the pension (i
Do make sure all the credit cards debts are paid off on urgent basis, otherwise debt will accumu
If there are any small loans pending like small personal loans, car loan, bike loan, its better to clo
Do inform the lender and try to either shift the loan to your own name or else clear the outstand
through other funds

nces to search in EMAIL ID so that you can get hint of investments and assets or insurance? (Mainly
Financial Plan SGB
Financial Planning Trading
Demat Account OTP
CLIENT ID Statement
DP ID
ISBN
Gold Bond
Index2
Brokerage
Brokering
 he main breadwinner of family has died
for death certificate and get it notarized and keep multiple copies of it with you
e legal heir. Do meet a lawyer and apply for that document, for yourself and kids

tificate, Bank Passbook etc in one file

ements. You may get lots of information from there
ance amount later. Its fine if there is little late claim, but dont leave that
process. If there was no insurance, then you are eligible to claim under EDLI

n from there
y transfer work

the CA to understand how to completely close things on this.

was provided to any friend / collegue or relative or not. You will also find if any

tions needs to be done to secure the share or inheritance

ar. Dont close or stop health insurance premium. It will help you in future
tments. Dont make same mistake again which happened with deceased
hence atleast make the FD for the money for 3/4 months.
tion which might be mentioned to them while talks.

et some idea on investments and insurance if any

ome hint can come from that if not full information

y may come from there

ign bank account.

m from EDLI scheme under EPF
claim that
you can claim from that. Do try to search for LIC website login/id password

pers or loan disbursement papers), then you can intimate home loan company

ease check out what are terms applicable and eligibility and some claim may

for health insurance later once things settle.

m from EDLI scheme under EPF

claim that
you can claim from that. Do try to search for LIC website login/id password

ease check out what are terms applicable and eligibility and some claim may

sferred to your own name.

a demat account to get all the stocks transmitted to your own demat
old bonds were bought

s eligile for Pension from EPFO. Start arranging for Scheme Certificate from all

ocs etc for starting the pension (if applicable)

asis, otherwise debt will accumulate and many charges will get applicable over tim
ar loan, bike loan, its better to close them off and take NOC from the lender.
n name or else clear the outstanding loan amount using insurance money or

nd assets or insurance? (Mainly for GMAIL)

 If there is any big amount lying in bank account which may have come to your from
1
take any policy or any scheme etc. Just dont rush as of now

Next step if to understand that basically you need 3 things in life right now

- A regular income going forward

2 - An emergency fund which are large expenses which may surprise you
- A large investments which may be required in future as one time expenses like Ch

The investing strategy may be different for all these situations.

Note that investing is simple, but also can be overwhelming at the same time if you
out to a good financial advisor who is well known and is not just a policy seller or si
3
interested in selling you the product for short term benefits for their own. Its not al
making a strategy for your pension, investing for long term and hand holding you o

Generally everyone will give you the suggestion to create a Fixed Depo
Investing in Fixed Deposits very large. This can be a good starting point for few years. One can sim
generated in whole year is within few lacs range then even taxation wil
figure out the next best thing, its not a wrong decision.

There is something called as "Immediate Pension Plans" which comes f

Investing in Pension Plans lumpsum amount and you will start getting a monthly/quarterly/yearly
not need big expertise. If you put Rs 1 crore in these plans, then close t
not buy any other plans which has any fancy names or promises to give

You can also invest in mutual funds for various long and short term rea
ideal investments for any long term goals like your children education a
investments and there is a risk of loosing capital, and someone like you
high inflation and wealth creation from future point of view. Mutual fu
manner and proper guidance.
Investing in mutual funds
There are other kind of mutual funds also like debt mutual funds, which
reach out to a good financial advisor for guidance or can reach out to a
them how they will help you and hand hold you. Judge them based on
but there are many good people who work for clients interest while als

Investing in money back A lot of people may approach you for investing in LIC, SBI, HDFC policie
Insurance Policies generally not in the best interest of the investor and make money for c
Investing in money back A lot of people may approach you for investing in LIC, SBI, HDFC policie
Insurance Policies generally not in the best interest of the investor and make money for c
 How to invest money going forward?

ave come to your from life insurance company or from other sources, do not rush to invest that money anywhere. There is eno

life right now

rprise you
time expenses like Children Education, Marriage etc

s.

at the same time if you have no background. The first step is to learn the basics on your own so that you dont make any major m
ust a policy seller or simple a product seller. If they are dealing in a single product only, they might be simple an agent. They ma
or their own. Its not always true, but you need to guage this from your interaction with them and how interested they are in he
nd hand holding you over next many years at various points when you may need help.

reate a Fixed Deposit as they are 100% safe and easy to understand. This is not a bad advice if the amount to
years. One can simply make a Fixed Deposit and earn interest on mothly basis. The returns may be on lower
n even taxation will not come into picture. This is not the best thing you can do with your money, but for initi
on.

ans" which comes from LIC, SBI and many other companies. You can buy these policies and you need to pay a
ly/quarterly/yearly pension for all your life. The pension may not be very high (returns are low), but its a sim
plans, then close to 4-5 lacs of pension on yearly basis can be generated (as of year 2021). These numbers c
or promises to give you fabulous returns

and short term reasons. There are mutual funds which are volatile and are termed as "risky" when you read
hildren education and marriage which may be 10+ years away from today. People close to you may say that
d someone like you needs 100% secured products. This statement may look very valid and logical, but shall a
of view. Mutual funds are volatile, but they have emmence capacity to generate wealth for you only for 10+

mutual funds, which are not highly volatile and are on safer side. You can also invest in these funds for your 5
can reach out to a MFD (as called a mutual fund distributor) . Please ask them for theie compensation mode
ge them based on your interaction. Agents, financial advisors and mutual funds distributors are not seen in p
ts interest while also making money for themselves.

C, SBI, HDFC policies which have words like "Moneyback", "Endowment" and "Child Plan" etc, but remember
make money for companies more.. These policies are to be avoided and please search about them online o
C, SBI, HDFC policies which have words like "Moneyback", "Endowment" and "Child Plan" etc, but remember
make money for companies more.. These policies are to be avoided and please search about them online o
y anywhere. There is enough time. Dont panic and

u dont make any major mistakes. You can also reach

simple an agent. They may be some times mostly
interested they are in helping you plan out things,

dvice if the amount to be invested is not very

rns may be on lower side and if the interest
ur money, but for initial few years till you

and you need to pay a one time large

are low), but its a simple product which does
21). These numbers can change in future. Do

risky" when you read about them, but they are

to you may say that these are risky
nd logical, but shall also be looked at from the
h for you only for 10+ yrs goals if done in right

these funds for your 5-10 yrs of goals. You can

e compensation model and also check with
utors are not seen in positive light in general,

n" etc, but remember that these policies are

about them online on various websites.
n" etc, but remember that these policies are
about them online on various websites.
Step 1

Step 2

Step 3
 3 STEPS TO CLAIM TERM PLAN OR ANY OT

Intimation to the insurance company about the Claim

The family members (ideally the nominee) should inform the company as soon as possible to start
insurance company as soon as possible to enable the insurance company to start with the claim pro
- Policy number
- Name of the insured
- Date of death
- Cause of death
- Place of death
- Name of the nominee
You can get the claim form from the online website of the insurance company or from the compan

Arrange for these documents

As the next step, you may be asked for following documents - Death Certificate (most impo

Know the Claim Process Timeline

As a claimaint you shall know that the company is bound to settle the claim within 30 days of gettin
they shall settle things within 6 months maximum. Incase you are facing any issues with respect to
and after that reach out to consumer court if needed.
This document belongs to www.jagoinvestor.com
to www.jagoinvestor.com
Case 1

Case 2
 Claim process for Bank Account a

In case of a single account holder

Here are the Required documents to be submitted by the nominee:

- Application, stating that the account holder has passed away,
- Notarized death certificate
- FIR copy (if the deceased has passed in the accident and body is missing for some time )
- Authentic photo id proof (such as adhaar card, pan card, driving license etc…)
- Relationship with the deceased with proof,
- Nominee KYC documents (photo, pan card, and adhaar card)
- Some additional documents if there is no nominee in bank account

If the nominee is missing in bank account or if the person who is claiming is not mentioned as nominee then also submit follow
- Succession Certificate from Court

You will need a copy of WILL for that, or if WILL is missing then meet a lawyer who will get this done and succession laws will c

In case of a joint accounts

The other account holder needs to submit these documents

- Application stating the death of the 1st holder

- Notarized death certificate of the 1st holder
- FIR copy (if the 1st holder has passed in the accident and body is missing for some time)
- Authentic photo id proof of the 2nd holder (such as Adhaar card, pan card, driving license, etc…)
 Case 1

Step 2

Important
Point
 Claim process for Real Esta

Registration of Property in New Name

The legal heirs have to apply for property transfer in the office of Sub-Registrar with following documents:
- Property Papers
- Death Certificate
- Copy of the WILL (in some states probate may be required which is a document to be obtained from court certifyin
- Succession Certificate from court that certifies who are legal heirs (if a WILL is missing)
- No objection certificate from other legal heirs who are not part of property (like another brother/sister who is not

Mutation of Property Title

Registration of property is 1st step. The next task is to apply for mutation of the property title of property from one
of property taxes, or to transfer or apply for utility connection in the name of the new owner. This process is done a
located. We suggest hiring a local lawyer to complete this process as its not a simple process for a laymen and the d
suggested.

Incase of Property with ongoing Loan

There are cases when an inherited property has outstanding loans.

However, a property with an outstanding loan can only be transferred with the written consent of the lender. The le
you can obtain a loan clearance certificate from the lender along with the mortgaged original documents.
If a property loan insurance was taken, then it becomes very easy as the loan amount will be paid by the insurance c
insurance money out of which they can make the payment for loan outstanding. If the loan is not cleared on time or
and recover their money and repay the balance amount if any back to family
Note that transfer of property can get very complicated and confusing, hence its strongly suggested to initiate the p
process.
 Case 1

Case 2

Important
Point
 Claim process for Mutual F

In case the account is in single name

If Nominee is REGISTERED then..

- Copy of Death Certificate of the deceased unitholder
- Copy of PAN Card of Claimant / Guardian
- Copy of Birth Certificate (in case the Claimant is a minor)
- Cancelled cheque with claimant’s name printed OR Claimant’s Bank Statement/Passbook
- Nomination Form duly completed
- Nominee’s signature attested by the Bank Manager if claim amount is upto Rs 2 lacs or signature of the Nominee s
lacs

If Nominiee is NOT REGISTERED , then here are some additional documents

- Bond of Indemnity furnished by Legal Heirs
- Individual Affidavits given EACH Legal Heir
- NOC from other Legal Heirs
- Notorized probated WILL or succession ceritifcate from court

In case of death of the 1st joint holder (where its in joint holding)

- Copy of Death Certificate of the deceased unitholder

- Copy of PAN Card of Claimant
- Cancelled cheque of the new first unit holder with name pre-printed OR Statement/Passbook of the new first unit
- KYC of the surviving unit holder(s), if not already complied earlier.
- Nomination Form duly completed.

Please refer to https://www.amfiindia.com/investor-corner/investor-center/procedure-to-claim.html for delai

Step 1
 Claim process for PPF Accou

Following documents need to be submitted

Submit following documents

- Form G filled by all nominees (this is the death claim form and can be downloaded from online website)
- Death certificate of PPF holder

Additional Documents incase Nominee is not registered or anyone is claiming money other than nominee

- Succession certificate or letters of administration along with an attested copy of probate of will issued by a compet

Important Points to Know

- Amount in a PPF account will continue to earn interests as per the terms even after death of the subscriber until th
Step 1

Step 2
 Claim process for EPF Accou

Following documents need to be submitted

Submit following documents

- EPF Form 20
- Death certificate of PPF holder
- Incase the nominee is minor, then guardianship certificate from court
- Copy of blank/cancelled cheque
- Form 20

Additional Documents incase Nominee is not registered or anyone is claiming money other than nominee

- Succession certificate or letters of administration along with an attested copy of probate of will issued by a compet

Claim for Insurance under EDLI and Pension Scheme

Apart from the main EPF amount, a member also has a insurance benefit under EDLI scheme (this is not applicable i
Pension benefit under EPS scheme (if service is for more than 10 yrs already).

You can either fill the forms 5 (IF) for Insurance and Form 10D for claiming Pension benefits. The documents needed
However one can also fill EPF Composite form, which is one single form to be filled in case of death and in that one

Important Information

- Claim from EPFO department can mean lots of documents and filling forms offline which can be complicated and f
- EPF Scheme certificates is a document which is to be collected from every employer which gives info about the em
for applying Pension
- Do check if the Phone of the member is linked to Adhaar and also UAN, which helps you get a lot of information ab
- Incase you are stuck with anything regarding EPF, you shall use RTI as a tool to get information from EPFO directly
file is stuck
Step 1

Step 2
 Claim process for Shares from Dema

Following documents need to be submitted to the Demat Account Company

Submit following documents

- Transmission Request Form (this is to apply for transfer of shares to the demat account of the person who is filing
- Death certificate (Noterized or Attested by Gazetted Officer)
- Client Master Report(s) of the DEMAT account of the nominee

If the nominee is not mentioned or nominee is dead or the person claiming is other than nominee, t

- If value of holdings is less than 5 lacs, An affidavit and letter of indemnity in the prescribed format, a no objection
prescribed format
- If value of holdings is more than 5 lacs, the probate of a registered WILL is required else a succession certificate fro

Important Information

- The family has to do this for all the demat accounts held by the person who died
Step 1

Step 2
 Claim process for Shares from Dema

Following Form need to be submitted

- Form 103GD for govt employees

- Form 303 for corporate or individual subscribers
These can be downloaded from NSDL-CRA website.

Along with form, you need to attach these documents

- Covering Letter from the associated Nodal Office to be submitted alongwith the Withdrawal form
- Advanced stamped receipt need to be duly filled and cross-signed on the Revenue stamp by the Subscriber.
- Original PRAN card OR affidavit in case of Non submission of PRAN card
- KYC documents (address and photo-id proof) attested by mapped Nodal Office.
- ‘Cancelled Cheque’ (having subscriber’s Name, Bank Account Number and IFS Code) or ‘Bank Certificate’ on Bank L
submitted as bank proof. ‘Copy of Bank Passbook’ can be accepted, however, it should have claimant’s photograph
- Original Death Certificate issued by the Local Authority.
- If nominee is not present or died or claimant is different than a succession certificate or Probated WILL is required

Important Information

- Withdrawal forms should be submitted to the associated POP/POP-SP for onward submission at CRA. On verificatio