As per the survivorship clause / nomination clause.
Kindly look into the attachment.
12. Deceased Depositor’s account – Claims ( Laxmi Vilas bank)
In case of deposit standing in the name of two or more persons the payment of deposit after the death of any one or more of the depositors shall be as per the survivorship clause / nomination clause.
SETTLEMENT OF DUES IN DECEASED DEPOSIT ACCOUNT (PNB)
iii) However, if the joint account holders had given mandate for disposal of the balance in the account in the forms such as “either or survivor, former / latter or survivor, anyone of survivors or survivor; etc., the payment will be made as per the mandate to avoid delays in production of legal papers by the heirs of the deceased.