Legal heir certificate
An official document that names the legal heirs of a person who has died.
A legal heir certificate is an official document naming the legal heirs of someone who has died. Families often need it to claim bank money when there’s no nominee. It’s issued by a state authority, and the process varies by state. It differs from a succession certificate, which comes from a court. See claiming a parent’s money after they die.
Questions people ask
When do I need a legal heir certificate?
Mostly when a parent or relative dies without naming a nominee. Under RBI's 2025 directions, a bank can accept a legal heir certificate from a competent authority, or a declaration by an independent person, for claims up to its threshold limit.
Is a legal heir certificate the same as a succession certificate?
No. A legal heir certificate identifies who the heirs are and is issued by a state authority. A succession certificate is issued by a civil court and authorises a person to collect debts and securities of the person who died. Banks may ask for a succession certificate for larger claims.
Who issues a legal heir certificate?
A competent state authority, usually the local revenue office. The issuing office and the process vary by state, so check with your state's revenue department.
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