All branches of the majority of the banks are now interlinked by computer. You may go to any branch where you feel that you have some resource and the bank employee has to just type the name and all accounts shall appear on the computer screen. Banks have applied KYC norms and it is believed that bank has updated all a/c of your grandfather as per KYC norms and name shall be same as in the ID proof of your grandfather.
In the past customers used to open multiple a/c by giving similar names e.g. Kamal Kumar Gupta may write KK Gupta/ Kamal Kumar Gupta/Kamal Gupta however address should remain the same.
From bank you can note down all a/c’s.
Even the staff in the branch may know about all a/c of your grandfather.
As original receipts are not available bank may follow its procedure as laid down by RBI, IBA, and its board and which has to be placed on its website and made available in each branch. You may access it.
Bank can discharge its responsibility by making the payment to nominee.
Nominee is representative to facilitate the payment, however nominee is duty bound to disburse the payment to all legal heirs. Nomination is not absolute assignment. If you are able to obtain the payment from bank that won’t overrule the rights of other legal heirs.
Deceased depositor policy as advocated by RBI is enclosed.