My father expired in Feb 2022 and did not have a WILL.
My father had filled nomination forms for all his assets except for a fixed deposit at his bank.
As a best practice my father did sign on the withdrawal section behind the FD.
Now the bank is asking for a legal heir certificate to transfer FD to my mother. They are refusing to accept, Ration card, passport, marriage certificate as evidence of legal heir to process the FD withdrawal.
I understand that obtaining a legal heir certificate or succession certificate is an onerous and expensive affair - what alternatively can be done to sufficie the need?
Would appreciate guidance.