Hello. I am writing again to get some advice on how I can complete my deceased mother's Deceased deposit claim from the USA. I have asked advice on this before but now my claim has been in process for about a month and is stuck at the final stages. I have hired a local lawyer there to assist with my claim and have sent the application, original deposit receipts, original death certificate, original birth certificate and copies of all other IDs and documents to my advocate and they have submitted to the branch at the beginning of December. Since then, my claim has been in process for a month until this week they advised me the last step I need is to get the original claim form and KYC attested at an Indian embassy or the bank's foreign branch. The Indian Embassy is currently not open to the public and IOB has no branches here in the United States. Another advocate had mentioned before that I should be able to get it attested at any Indian based branch and IOB will be able to verify the signature that way. However, IOB Bank Manager is saying it does not mention this in their guidelines but if I can find any legal guidelines that mentions this clause they may be able to accept this. There is a State Bank of India branch located near me but IOB may not accept unless they see a clause mentioning this is acceptable. Does anyone know if this is possible and where I can find this in writing? I have seen mentions that this is acceptable for attesting documents for NRIs opening account from abroad but not specifically in the case of Deceased Claims from abroad. Can anyone assist and let me know if this should be acceptable and how I can show this to IOB. Thank you
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Indian embassy is accepting applications by post . You can send the documents by post for getting it attested
if IOB guidelines do not mention acceptance of claim form and KYC attestation by any Indian bank branch they would not accept the attestation from other Indian bank branch
unable to find any guidelines that they can accept attestation by any Indian bank branch overseas
The lawyer will assist you who submitted your application. If the submission is made properly as per bank rules there is no point of bank to stop your claim
The clauses mentioned in the IOB may not be available with other banks, and the IOB may insist on their clauses alone, they may not accept the deviated procedural compliance.
The simple reason to not to accept the same is that they may not be willing to apply their minds to decide on the issue on the basis of discretionary powers vested on them neither they cooperate with you to suggest you any alternative mode to acquire this claim money.
You may have to either be physically present or obtain a signature from the Indian consulate whenever it opens.
The loss will be yours if you come out with different reasons to not comply with the requirements to claim the death claim amount
You may ask your advocate to prevail upon the bank manager and convince him to accept the KYC verification report given by SBI located in your place, if they don't accept it then you may resort to approach the higher authorities with all the details and to instruct the concerned bank manager to disburse the amount to you as per procedures.
1. For Deceased Claim Form, the Branch Managers of other Banks might not agree to get involved by attesting your signature.
2.However, the Indian Consulate has made alternate arrangements for such attestation asking for sensing the documents by post which you can enquire to solve this problem.
If the claim form is attested by SBI, it should be acceptable to IOB. The signature of the attesting officer of SBI can very well be verified by IOB at the local branch of SBI in India. This is the standard procedure.
