Bank nomination new rules 1 November 2025 se lagu ho gaye hain. Banking Laws (Amendment) Act, 2025 ke tahat ab aap apne bank deposit account (savings, FD, RD) par 4 tak nominee bana sakte hain — pehle sirf 1 nominee ki ijazat thi. Nominee woh vyakti hai jise aapke na rehne par bank aapka paisa dega — bina court ya succession certificate ke lambe chakkar ke.
Yeh badlav 5 kanoonon me 19 amendments wale Act ka hissa hai (15 April 2025 ko notify hua), aur nomination wale provisions (Sections 10–13) 1 November 2025 se effective hain. Agar aapke account me abhi tak nominee nahi hai, ya sirf 1 hai, to yeh guide aapke liye hai.
Bank Nomination New Rules 2026: Kya Badal Gaya
| Pehlu | Pehle (purana niyam) | Ab (1 Nov 2025 se) |
|---|---|---|
| Nominee ki sankhya | Sirf 1 | 4 tak |
| Tareeka | Single nomination | Simultaneous (ek saath %) ya successive (priority order) |
| Deposit par | 1 nominee | 4 nominee, % share ke saath (kul 100%) |
| Locker/safe custody | 1 nominee | 4 tak, sirf successive (priority order me) |
| Badlav | Form bharkar | Form bharkar — kabhi bhi badal/cancel kar sakte hain |
Act me aur bhi badlav hain — jaise “substantial interest” ki seema ₹5 lakh se badhkar ₹2 crore, par aam grahak ke liye nomination wala badlav sabse kaam ka hai.
Simultaneous vs Successive Nomination: Farq Samjhein
Simultaneous nomination (ek saath): 4 tak nominee ek saath, har ek ka percentage share tay — kul milakar 100% hona chahiye. Aapke na rehne par har zinda nominee ko uska tay hissa milta hai.
- Example: ₹20 lakh ki FD — patni 50%, beta 30%, beti 20%. Teenon ko apna-apna hissa seedha bank se milega.
Successive nomination (priority order me): Nominee priority order me lagte hain. Sirf sabse upar wala zinda nominee paisa paata hai — woh na ho to agla.
- Example: Priority 1 — patni, Priority 2 — beta, Priority 3 — beti. Patni zinda hain to poora paisa unhe; nahi hain to bete ko.
Deposit (savings/FD/RD) par: Dono tareeke allowed — simultaneous ya successive, aapki marzi.
Locker aur safe custody articles par: Sirf successive — 4 tak naam priority order me. Ek saath % baantna locker me allowed nahi.
Nominee Ka Matlab Maalik Nahi: Supreme Court Ka Faisla
Sabse zaroori baat jo log galat samajhte hain: nominee paisa lene ka haqdaar hai, maalik nahi. Supreme Court ne Ram Chander Talwar case me saaf kiya — nominee bank se paisa lekar bank ki liability khatm karta hai, par paisa deceased ke estate ka hissa rehta hai aur kanooni warison (succession law — Hindu Succession Act aadi) ke hisaab se batega. Nominee asal me warison ka trustee hai.
Iska matlab: nomination claim ko tez aur aasaan banata hai, par warison ke kanooni haq ko khatm nahi karta. Isliye nominee hamesha bharose ka vyakti banayein aur will (vasiyat) alag se banayein.
Real Example: ₹20 Lakh FD Par 4 Nominee
Ramesh (58) ki ₹20 lakh ki FD hai. Naye niyam me woh simultaneous nomination karte hain:
- Patni — 50% = ₹10,00,000
- Beta — 25% = ₹5,00,000
- Beti — 25% = ₹5,00,000
Kul = 100%. Ramesh ke na rehne par teenon apna hissa bank se seedha le sakte hain — bina ek-doosre ke signature ke intezaar ke, bina court ke. Pehle ke niyam me sirf 1 nominee hota aur baaki warison ko lamba process jhelna padta.
FD ke baare me detail yahan padhein — aur naya khata khol rahe hain to:
Nomination Kaise Add Ya Badlein: Process
- Form lein: Bank branch se nomination form lein ya netbanking/app me “Add Nominee” option dekhein. Kayi banks ab online 4 nominee ka form de rahe hain.
- Details bharein: Har nominee ka naam, umar, rishta, address — simultaneous me % share (kul 100%), successive me priority order.
- Submit karein: Branch me form + ID proof ke saath jama karein, ya online e-sign se.
- Confirm karein: Passbook statement ya netbanking me nominee registered dikhna chahiye. Na dikhe to branch se likhit confirmation lein.
- Badlav: Nomination kabhi bhi naya form bharkar badla ya cancel kiya ja sakta hai — purana apne aap replace ho jaata hai.
Minor nominee: Nabalik ko nominee bana sakte hain — uske guardian ka naam bhi dena hota hai.
Aam Galtiyan
- Nominee hi nahi banana: Bina nomination ke parivaar ko claim ke liye succession certificate/court ka chakkar lagana padta hai — mahinon ki deri aur kharcha. Sabse badi galti yahi hai.
- Nominee ko maalik samajhna: Nominee trustee hai. Agar aap chahte hain ki paisa kisi khaas ko hi mile, to will banayein — nomination akele kaafi nahi.
- Purana nominee update na karna: Shaadi, talaq ya parivaar badalne ke baad nominee wahi purana reh jaata hai. Har 2–3 saal me review karein.
- Simultaneous me % ka jod 100% na hona: 50+30+30 = 110% wala form reject hoga ya vivad hoga. Jod hamesha exactly 100% rakhein.
- Har account me alag nominee bhoolna: Nomination har account/FD par alag se hoti hai. Ek account me nominee hone se doosre me nahi hota — sab me check karein.
FAQs
Q1. Kya purane accounts me ab 4 nominee add ho sakte hain?
Haan. 1 November 2025 se yeh suvidha sabhi deposit accounts par lagu hai — purane ya naye. Bank branch ya netbanking se naya nomination form bharein.
Q2. Nomination ke liye koi fee lagti hai?
Nahi. Nomination add karna, badalna ya cancel karna aam taur par free hai.
Q3. Joint account me nomination kaise kaam karta hai?
Joint account me sabhi holders milkar nominee banate hain. Survivorship clause ke saath nomination ka combination bank ke form me saaf likha hota hai — branch se samajh lein.
Q4. Locker me simultaneous nomination kyun nahi?
Kanoon me locker aur safe custody articles ke liye sirf successive nomination rakha gaya hai — physical samaan % me baanta nahi ja sakta, isliye priority order hi logical hai.
Q5. NRI apne NRE/NRO account me nominee bana sakta hai?
Haan, NRI bhi nominee bana sakte hain — nominee resident ya NRI dono ho sakta hai. FEMA ke niyam payout par lagu honge, bank se confirm karein.
Yeh sirf jaankari hai, financial advice nahi hai.
Sources: PIB Press Release (23 Oct 2025) — Banking Laws (Amendment) Act, 2025: Sections 10–13 ke nomination provisions 1 November 2025 se lagu; RBI (rbi.org.in) — nomination framework; bankersclub.in — nomination facility FAQ (simultaneous vs successive, Supreme Court position).