Property papers with bank

Apply for succession certificate from the court by approaching a local advocate.

Legal Heir Certificate of Mr. Pawan Sharma has to be obtained.  If his mother is alive, then she along with the wife of Mr. Pawan Sharma has to approach the Bank for getting the Original Documens of the property. If according to the Legal Heir Certificate, if Mother of Mr Pawan Sharma is not alive, then the widow of Mr Pawan Sharma alone can get the original documents.  But in either of the situations, the Bank has to satisfy on the basis of Legal Heir Certiicate about the legal heirs of Mr. Pawan Sharma.

Contact Advocate first and get confirmation as to wife has sufficient inccome and after death of her husband she has repaid the loan out of her personal income.  As far as I know, it is in order to return the title deeds to any one of the joint parties, it is not Bank's duty to locate correct heirs and deliver the title deeds to them.  This is great injustice.  Even in case of joint accounts, if one party expires, bank simply obtains a death certificate and pays the amount to other.  Succession rules are not for Banks/insurance companies .  This is the very purpose nomination is introduced to prevent harassment by Banks/ insurance companies..   Mere handing over title deeds can never create exclusive ownership.

There are several precedents in courts.  Help her in finding such earlier judgments against banks insisting such idiotic, self invented rules to harass innocent and help less widows.  First issue notice and get all documents obtained from the borrower, there must be some clause that states on such return of documents.

Also search in google and find out the obligations on discharge by lender in Joint borrowal accounts.

Also keep correct caption for query to avoid confusion.  Bank is different from Housing finance company.

Get Legal Heir Certificate (LHC) from Tahsildar.

Approach the LIC HFL along with the LHC.

sir its long process , how much cost if apply for certificate , finance postion poor sir , any alternative way 

sir its long process , how much cost if apply for certificate , finance postion poor sir , any alternative way 

First understand what was advised, and then make some enquiries and then decide.   Legal Heir certificate costs may not be more than Rs.100/-  If you can not afford expenses beg, borrow or steal to get back your hard investment.  Contact Legal Services Authority.   To my knowledge all such borrowal accounts are linked to life insurance schemes with a nomination clause in the name of Bank &  borrower's Name.

There were several alternatives given and explore atleast one that is cost effective.

thanks sir