Bahut se log sochte hain ki joint account mein survivor hone se wo saare paise ke owner ban jaate hain. Lekin RBI ke rules ke hisaab se, survivor sirf ek 'trustee' ki tarah kaam karta hai legal heirs ke liye. Ye galatfehmi family disputes ki badi wajah ban sakti hai.
Bahut si Indian families mein 'Either or Survivor' ya 'Anyone or Survivors' mandate ko sirf convenience ke liye dekha jaata hai. Log sochte hain ki co-holder ke guzarne ke baad, survivor hi poori rakam ka malik hai. Par reality kuch aur hi hai.
Survivor status ka asli legal sach
Jab bank survivor ko account ka balance deta hai, toh uska maksad sirf liquidity maintain karna hota hai. RBI banks ko bolta hai ki process simple rakhein, isliye death certificate dikha kar access mil jaata hai. Par ye administrative kaam succession laws ko override nahi karta. Kanoon ki nazar mein, survivor sirf paisa hold karta hai aur wo money deceased ke legal heirs ka hi hissa maana jaata hai. Agar baaki legal heirs (jaise bache ya spouse) apna hissa maangein, toh survivor ko wo paisa dena pad sakta hai. Paisa nikalna ownership transfer nahi hai.
Financial planning mein ye kyun important hai?
Ye misunderstanding family mein jhagdon ki main wajah hai. Agar survivor bina soche saara paisa kharch kar de, toh wo legal trouble mein fas sakta hai. Bank ka kaam sirf account operate karwana hai, wo Wills ya inheritance ke mamlon mein judge nahi banta. Ek baar paisa mil gaya, toh bank ki zimmedari khatam; baki mamle civil court mein solve hote hain.
Account holders ke liye kaam ki baatein
Sirf joint account mandate par bharosa na karein. Ek registerd Will banana hi sabse best tareeka hai. Banking experts kehte hain ki har account mein 'Nomination' zaroor update rakhein. Jab co-holder ki death ho, toh bank ko formally inform karein aur death claim procedure start karein. Deceased ke debit cards ya net banking credentials use karna avoid karein, kyunki ye settlement process ko complex bana sakta hai.