As per your query it is understood that you need information regarding the nominee in your account.
It is always a good idea to file a nomination at the time of opening a deposit account. It is a facility that is available to all account holders. It simplifies the procedure of settling claims of the deceased account holder for the nominee at the time of death or any time after that. K. A. Babu, head of digital banking at Federal Bank says, "A nominee is not essentially the legal heir. A nominee and legal heir can be different individuals. If there is no nominee, legal heirs become eligible for the money and final settlement”
The benefit of nomination is that in the event of death of an account or locker holder, the bank can release the money in the account or contents of the locker to the appointed nominee and won't insist on other documents like succession certificate or a legal heir document. Further, you can change the nominee at any point of time as long as your deposit account or locker is functional.
However, it should be noted that the bank will only give the nominee charge of the proceedings or money when the account holder dies. If the account holder is, say on life support or in a coma, the bank will not give the charge to the nominee.
As you have mentioned that you have the previous documents then you can present them in the bank and there must be some clause in those documents regarding the nominee which you have in your account and ask to add the name of the nominee in any such documents which are important and in which the name of the nominee is required.
Hope it helps!
Regards,
Anusha Singh
