The aggregate cover is a maximum of Rs.5.00 lakhs in one name. It can be different names and then each first name coverage comes to Rs.5 lakhs. A has deposited lakhs of Rs.3, 3 1 , 6: maximum coverage is Rs.5 lakhs. If A depositors in B, C, or D family members then each number is treated as a separate individual and each individual is entitled to coverage of Rs.5 lakhs.
You can file RTI Application to RBI, DBOD, Fort, Mumbai and can seek for that specific copy of directives issued by them and go through the directives for more information