Mrunmai Deshpande (Housewife) 27 July 2018
Adv Deepak Joshi +917017821512 (Advocate) 27 July 2018
Bank Manage is presently you wrong facts, RBI never says that money will lock in any way .In facts RBI has clear guideline that FD can prematurely surrendered and interest will be paid depending upon the time after it was surrendered.
Moreover you can submit last return of your wife with death certificate and claim Return in your account.
Amit Kumar Bansal 28 July 2018
You can act as a legal heir on behalf of your wife and close the FD, and the interest income will be treated as your income.