Bank Account Me Nominee Add Kaise Kare? (2026 Updated Guide)

 

Nominee kya hota hai?

Nominee wo person hota hai jisse bank account holder ke death ke baad funds mil sakte hai. Nominee ka selection bank safety + legal settlement me important hota hai.

Nominee kyu zaroori hai?

✔ Death claim easy
✔ Legal dispute avoid
✔ Family settlement fast
✔ Insurance + FD + RD + PPF linking
✔ UPI & NetBanking continuity

Kaun nominee ban sakta hai?

✔ Parents
✔ Wife/Husband
✔ Son/Daughter
✔ Legal Guardian (minor case)

Budget smartphone for UPI/NetBanking

Nominee Add Kaise Kare (Online Methods)

Most banks me process:

1. NetBanking login

2. Profile/Service request

3. Nomination section

4. Add nominee details

5. Aadhaar/PAN verify (optional)

6. Submit

Nominee Add Kaise Kare (Offline)

1. Branch visit

2. Nomination form (DA1)

3. ID proof attach

4. Signature verify

5. Update within 1–3 days

 Home printer

Nominee Change/Update Process

For changes → DA2 form
For cancellation → DA3 form

Documents Required

✔ Aadhaar
✔ PAN
✔ Relationship proof (optional)
✔ Minor case → Guardian KYC

Minor Nominee Rule

Minor nominee ke case me guardian mandatory hota hai — bank without gaurdian allow nahi karta.

Death Claim me Nominee Role

✔ Claim settlement fast
✔ Legal heir ke dispute avoid
✔ Insurance + PPF + FD settle quickly

Nominee vs Legal Heir (Important Difference)

Nominee = Custodian
Legal heir = Owner (Succession Act ke hisaab se)

Common FAQs

Q: Kya online nominee change possible? → Yes (most banks)
Q: Marriage ke baad update karna zaroori? → Yes recommend
Q: Aadhaar mandatory? → Not always
Q: NRI nominee possible? → Yes