My father expired few months ago so we applied for the death claim (1 lack) from X bank and they processed the claim amount in my account in 15 days , now after one week they again credited same amount(1 lack) via neft. Now recently they called and are explaining that they have processed a accident claim also in this case my mistake and processed the claim of (1 lack) also and are asking for a cheque in return of the same amount .
Can i deny to return the money ?
what action they can take againt me in this case ?
What does the banking rules state in this matter .
