If you are handling an Atal Pension Yojana (APY) death claim at the Sub Office (SO) level, there are a few critical steps that must be followed before submitting the case to the Sansad Marg Head Office (HO). Here’s a detailed, step-by-step breakdown of the process for ease of understanding:
1. Mark the CIF (Customer Information File) as Deceased
- Why: This helps update the customer’s status across systems to ensure no further transactions or communications are initiated in their name.
- How: Access the relevant menu in your system and mark the CIF as “deceased.”
2. Mark the APY Account as Inactive
- Where: Use the CAPY menu to make this change.
- Why: This ensures that the pension contributions are stopped, and the account is flagged for processing the death claim.
3. Fill Out the APY Claim Form
- Importance: The claim form is the official document that initiates the claim process. Ensure it is filled out correctly with all relevant details about the deceased and the nominee/claimant.
4. Prepare the SO Covering Letter
- What to Include:
- The PRAN (Permanent Retirement Account Number) of the deceased.
- Basic details like the name of the deceased, date of death, and any other essential identifiers.
- Why: This letter acts as the official correspondence from the SO to higher authorities (DO and eventually HO), ensuring all necessary information is clearly communicated.
5. Attach Required Documents
You will need to gather and attach several key documents to support the claim. These should all be legible and self-attested by the claimant. Here’s what you need:
- Xerox of the deceased’s Savings Bank passbook: This helps verify the deceased’s bank account details.
- POSB Ledger Copy (from the date of APY enrollment to the current date): This ensures a complete financial history is provided for the deceased’s account.
- Claimant’s Bank Passbook Xerox: Required to verify the bank details where the death claim settlement will be credited.
- Claimant’s KYC Documents: These include proof of identity and proof of address of the claimant, such as Aadhaar card, PAN card, or voter ID.
- APY Account Details Print: A printout showing the deceased’s account summary and status.
- APY Account Opening Form Xerox (AOF): A copy of the original form filled by the deceased during APY account opening, needed for reference.
6. Ensure Legibility and Self-Attestation
- All documents must be clear, easy to read, and signed (self-attested) by the claimant to confirm their authenticity. This is crucial to avoid delays in processing.
7. Forward to Divisional Office (DO)
- Once everything is compiled and checked, the complete set of documents (including the claim form, covering letter, and supporting documents) should be forwarded to the Divisional Office.
- The DO will review the submission and forward it to the Sansad Marg Head Office (HO) for final processing.
Summary of Key Documents:
- Deceased’s SB passbook Xerox
- POSB Ledger copy (from enrollment date)
- Claimant’s bank passbook Xerox
- Claimant KYC documents
- APY account details print
- APY AOF Xerox
By meticulously following these steps, from marking the CIF as deceased to submitting the claim package with all requisite documents, you ensure that the APY death claim process is handled with precision and compliance. Proper documentation, clear communication through the SO covering letter, and ensuring legibility and self-attestation are critical to avoid delays. A well-prepared submission streamlines the claim processing at the Divisional Office and ensures timely forwarding to the Sansad Marg Head Office, ultimately expediting the settlement for the claimant.