Difference between succession and legal heirship certificate Legal Heir Certificate is issued from revenue office of the district to identify a particular deceased person living heirs. A succession certificate is issued by a civil court to the legal heirs of a deceased person.

The regulator RBI has issued guidelines to adopt simplified procedure and your bank must have set min. threshold limit.

Check with Bank’s Deceased depositor a/c  with nomination policy that should be available on Bank’s website, in bank.

RBI: Master Circular on Customer Service in Banks

20.2 Accounts without the survivor / nominee clause

In case where the deceased depositor had not made any nomination or for the accounts other than those styled as "either or survivor" (such as single or jointly operated accounts), banks are required to adopt a simplified procedure for repayment to legal heir(s) of the depositor keeping in view the imperative need to avoid inconvenience and undue hardship to the common person.  In this context, banks may, keeping in view their risk management systems, fix a minimum threshold limit, for the balance in the account of the deceased depositors, up to which claims in respect of the deceased depositors could be settled without insisting on production of any documentation other than a letter of indemnity.

https://www.rbi.org.in/Scripts/BS_ViewMasCirculardetails.aspx?id=9008

For Legal Heir Certificate: Check with O/o Tehsildar.

Legal Heir Certificate is given by revenue officer like tehsildar or mamlatdar of the district to identify a particular deceased person living heirs.

Succession Certificate is issued by a civil court to the legal heirs of a deceased person where no valid id proofs as to heirship is available.