Post Office Form 15 (Letter of indemnity) from Download

Post Office Form 15 (Letter of indemnity)

This document is Form 15 (Letter of Indemnity), governed by Rule 15 of the Government Savings Promotion Rules, 2018. It is used when legal heirs claim the savings of a deceased depositor without presenting a standard succession certificate or letters of administration.

Here are the key points of the form:

📋 Core Purpose

Bypassing Legal Certificates: This form allows the Post Office to release funds without demanding a formal Succession Certificate, Letters of Administration, or Estate Duty clearance.
Liability Protection: By signing, the claimants legally promise to protect (indemnify) the Post Office from any future financial losses, legal disputes, or claims raised by other individuals regarding this money.

✍️ Required Signatures & Roles

Legal Heirs: Every claiming legal heir must sign the document.
Sureties: External guarantors (sureties) must sign, agreeing to take joint financial responsibility if a legal dispute arises.
Witnesses: The form requires the signatures, names, and physical addresses of two witnesses who watch the document being signed.

🗂️ Account Details Needed

Claim Amount: The total sum of money standing in the account.
Scheme Type: The specific savings scheme name (e.g., PPF, NSC, Senior Citizen Savings Scheme).
Office & Account Details: The exact account number and the name of the specific Post Office branch.

⚖️ Legal Execution

Joint Responsibility: The heirs and sureties become jointly and severally liable for any future legal costs or damages.
Official Attestation: The entire form is legally invalid unless it is officially stamped and attested by a Notary Public.