Bank Rules for Nominee Death Before Account Holder Explained

If a nominee dies before the account holder, the claim on the bank account depends on the type of nomination. From November 2025, up to four nominees can be registered per deposit. In sequential nominations, the next nominee becomes effective after the prior nominee's death. In nominations with different shares, the deceased nominee's share is considered as having no nominee. This amount does not directly go to the family, making it important to understand these rules.

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