Nominee Hone Ke Baad Bhi Bank Paisa Kyun Rok Leta Hai?
Bahut log sochte hain ki agar bank account me nominee add hai, to account holder ke death ke baad bank turant paisa de dega.
Lekin reality ye hai ki nominee hone ke baad bhi bank kai baar paisa rok leta hai.
Is article me hum simple Hinglish me samjhenge:
Bank paisa kyun nahi deta
Nominee ka actual role kya hota hai
Paisa lene ke liye kya documents chahiye
Aur paisa kaise milega (step-by-step)
Nominee Ka Matlab Kya Hota Hai? (Sabse Pehle Ye Samjho)
Nominee ka matlab legal owner hona nahi hota.
👉 Banking rules ke according:
Nominee sirf “trustee” hota hai, matlab bank paisa nominee ko isliye deta hai taaki wo paisa legal heirs tak pahunchaye.
📌 Isliye:
Nominee ≠ Legal Heir
Bank ka kaam safe transfer karna hota hai, dispute solve karna nahi
✅ Bank Paisa Kyun Rok Leta Hai? (Main Reasons)
🔹 1. Legal Heir Claim Ka Risk
Agar bank ko lagta hai ki:
Dusre legal heirs ho sakte hain
Family dispute ho sakta hai
to bank direct paisa release nahi karta.
🔹 2. Joint Account / Multiple Nominee Confusion
Kai cases me:
Joint account hota hai
Ya multiple nominees hote hain
Aise me bank verification ke bina paisa nahi deta.
🔹 3. Proper Documents Nahi Mile
Agar nominee ye documents nahi deta:
Death certificate
KYC (Aadhaar, PAN)
Claim form
to paisa hold pe chala jata hai.
🔹 4. High Amount Case
Agar account me badi amount hai (jaise FD, savings balance), to bank:
Succession certificate
Ya legal proof
maang sakta hai.
✅ Nominee Ko Paisa Lene Ke Liye Kya Chahiye?
Usually bank ye documents mangta hai:
✅ Account holder ka Death Certificate
✅ Nominee ka ID proof & address proof
✅ Bank ka claim form
✅ Cancelled cheque (kabhi-kabhi)
📌 Agar amount zyada hai, to:
Legal heir certificate
Succession certificate
bhi mangi ja sakti hai.
✅ Bank Kitne Time Me Paisa Deta Hai?
Normally:
✅ Simple case: 7–15 working days
❌ Dispute / legal case: 1–3 months (ya usse zyada)
Isliye ye maanna galat hai ki nominee hone se paisa turant mil jaata hai.
✅ Paisa Fast Kaise Mile? (Important Tips)
✔ Nominee ke saath family me clarity rakho
✔ Will banwa ke rakho (bahut help karta hai)
✔ Bank records updated rakho
✔ Joint account rules samajh ke use karo
✅ Sabse Badi Galatfehmi (Truth)
❌ “Nominee matlab owner” – GALAT
✅ “Nominee matlab safe transfer person” – SAHI
Bank law follow karta hai, emotions nahi.
✅ Final Words
Nominee hona zaroori hai, lekin sirf nominee hona kaafi nahi.
Agar aap chahte ho ki family ko future me problem na ho, to:
Proper documents
Clear legal planning
bahut zaroori hai.
Important tip with example :
Aksar family members ye soch kar relax ho jaate hain ki account me nominee added hai, lekin practical life me banking process thoda complex hota hai.
Isliye account holder ko chahiye ki nominee ke saath-saath will bhi banwaye, taaki future me koi legal issue na aaye.
Agar nominee ko bank se paisa lene me delay ho raha hai, to:
Bank branch me written complaint do
Senior bank officer se baat karo
Zarurat pade to legal heir certificate ready rakho
Isse paisa release hone ke chances fast ho jaate hain.
Yaad rakhiye:
Nominee ka kaam paisa lena hai, malik banna nahi.
Ab aapke liye english mein bhi available hai, is diye gaye link pe jae.Should Nominee Get The Money – How Nominee Will Get The Money