Deceased claim

Dear All, Namaskar. 

I have just joined the forum and posting my query with the hope that i will get accurate answer. 

As my mother expired and for the Saving account (Single), i have asked bank for settlement of claim. 

I have prepared “Varisan Praman Patra” from District Magistrate Office. Bank has yet not found the Account opening form and asking to produce Succession Certificate from Court. 

Here my query is:

1. If Bank will not found Account Opening Form to verify whether Nominee is given or not then how it can be sure for payment. Is there any rule that bank can deny for showing Account opening Form so I can verify whether Nominee is registered or not?
2. Second thing if suppose they didn’t get Account Opening Form then where I can complain?
3. If suppose they found form and NO NOMINEE is registered and Amount which is in account is approx Rs. 23000/- (Twenty Three Thousand) then Is it must to get Succession Certificate from Court or there is any threshold limit so Bank Manager can settle account thru “Varisan Praman Patra” only.

Kindly guide me accordingly.