Post office savings schemes: Rules for claiming deceased's holdings relaxed

The Department of Post has, via an order dated, May 20, 2019, amended the powers of various authorities to sanction claims of heirs of deceased people.

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This rule is applicable to all the core-banking solutions (CBS) and non-CBS post offices.
Claiming investments in post office savings schemes on death of the holder where there is no nomination or legal evidence have been revised.

The Department of Posts has, via an order dated, May 20, 2019, amended the powers of various authorities to sanction claims of heirs of deceased people in respect of post office savings schemes, including certificates where no nomination is registered and there is no legal evidence available/produced.

The order also specifies how long the sanctioning authority must wait before sanctioning payment of the deceased's investment to his/her heirs.


These rules have come into force with immediate effect. As per the revised rules, in case of death of depositor where nomination is not registered, the authorities are competent to sanction claims without production of legal evidence up to the below mentioned monetary limits.

As per the revised rule: "The authorities mentioned below are competent to sanction claims without production of legal evidence up to the limit noted against each, after expiry of six (6) months from the date of death of the depositor, if no succession certificate or probate of will or letter of administration of the deceased estate is produced during the period or up to the date of sanction."

Authority name that can sanction the claim up to specified limit
S. No.

Name of Authority

Limit in (Rs)

1.

Time Scale Departmental Sub-Postmasters

5,000

2.

Sub Postmasters in Lower Selection Grade/PM Grade-1

10,000

3.

Sub-Postmasters/Deputy Postmasters/Postmasters in Higher Selection Grade (all Non Gazetted)/PM Grade – II and III

25,000

4.

Deputy Postmasters/Senior Postmasters/Deputy Chief Postmasters/Superintendent of Post offices/Deputy Superintendent of Post Offices (All Gazetted Group-B)

1,00,000

5.

Chief Postmasters in GPO/Head offices, Senior Superintendents of Post Offices (All Gazetted Group -A)

2,50,000

6.

Director HQ/Regional Directors/Director (GPO)

3,75,000

7.

Chief Postmasters General/Postmasters General

5,00,000


This rule is applicable to all the core-banking solutions (CBS) and non-CBS post offices. The order further states that in case where claims are not yet submitted or where claims are already submitted but not yet sanctioned then the revised rules will be applicable in such cases.

The original post office order can be accessed here.
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