Succession Certificate (SC) and bank procedure

Our mother died last sept. she had FD's in SBI which after adding interest have now gone abv Rs. 10 lacs in value. she had not kept any nominee in any of them. . . . i approached the bank few days back for starting the claim procedure. the bank official gave me the formats to make notarised copies to settle the claim. in these docs was 1 indemnity bond where we assure, guarantee the bank against ne liability or cost if ne other person or entity makes claim on these assets. this indemnity bond also needs to be signed by 2 sureties n 2 witnesses who vouch for the claimants claim. all stake holders/ people involved from the claimants side submit their ID's n re personally verified by the bnk (which i found out is normal procedure if there is no nominee for the bank assets of the deceased). ... . today i had taken my father to the branch for personal verification. the official looking into wasnt present. we, in the meanwhile, went to the branch manager's cabin as i wanted to escalate an earlier day's bullying behaviour of 1 of their employee. misinforming, then backing off from the misinformation n then bullying. . neway, during this conversation, the Br manager once got irritated on me n then started shrugging off the whole issue by saying "forget ll this procedure n get succession certificate (SC)" . . . i said that ive already almost typed bank's claim docs n m on the verge of arranging for the suerity n submitting all notarised docs. . she told us to wait n talk with the official concerned. since the official had still not arrived at his seat n we were waiting, the branch manager started having a look at the original ID's n the Bank passbook etc. my father had carried his original AADHAR, PAN n Voter ID. in the voter ID the spelling of the name, surname was printed incorrectly. . she started dwelling on the 1 Voter ID only. i suggested her to take the AADHAR n PAN n forget abt the Voter ID. i said its irrelevant just dwelling on the Voter Id. . she dint like it n then started to speak with my father only asking me to keep mum. she started convincing my fther that "u go for succession certificte uncle. orders from court will come n everything will be done in 1 go. .. here it willl tke some time as all docs are checked by legal team. . the claim amt is over 10 lcs n the sureties will hve to b SBI /c holder n has to present docs wortjh the clim mount etc " she then gave us a lawyers no n told me top speak with him. . i spoke with him after coming home n the lawyer told me that 8-9 months wud go to obtin the SC n court fee of 4% of the amnt wud also be spent. . . ive now arranged for a surety who is SBI a/c holder n is able to present docs worth 10 lcs. .. we just feel that just bcoz her own mood got spoiled a bit she now told us an entirely different procedure to settle the claim. . Sir i rekuest guidance from you on this. . Can she compel us to go by the SC way only to settle this clim ? can she now say " u have to submit SC" ??