Mrunmai Deshpande (Housewife) 30 July 2018
Adv Deepak Joshi +917017821512 (Advocate) 30 July 2018
Visit concerned bank branch tell them your wife is no more and there is FDR in her name.
You want premature closure of FDR as primary holder is no more.
Then close her account, life time arrear of her account will be paid to the nomine.
Kumar Doab (FIN) 01 August 2018
Obtain death certificate and legal heir certificate.
The legal heir/representative can file ITR of deceased, and thereafter cancel PAN by visiting the jurisdictional ITO.. with letter and death certificate..
The ITO shall guide and help you.
Kumar Doab (FIN) 01 August 2018
GO thru;
Central Government Act
Section 159 in The Income- Tax Act, 1995
159. Legal representatives
For Bank a/c of deceased a/c holder..
GO thru;
RBI Master Circular on Customer Service in Banks; Section ; 19,20
RBI/2015-16/59
DBR No.Leg.BC. 21/09.07.006/2015-16
July 1, 2015
Treatment of flows in the name of the deceased depositor is also mentioned therein.
Kumar Doab (FIN) 01 August 2018
As per mandate of a/c act by submitting requisite documents and claim form.
The bank/banker usually help and guide in such matters and even for calculating I Tax.
A senior/retired banker can help and guide you.
If there are difficulties that you are unable to handle; Discuss in person with a very able senior LOCAL CA/counsel of unshakable repute and integrity specializing in civil matters and well versed with latest citations, LOCAL applicable rules/laws/ … and having successful track record…. and worth his/her salt…..and show the documents/evidence for a considered opinion..
At each location three are some counsels that specialize in such matters and they are well known.
Check for such counsels at LOCAL civil courts, HC……