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SGB (Sovereign Gold Bond) Death Claim Procedures

Procedure for Handling Sovereign Gold Bond (SGB) Death Claims: Comprehensive Guide


The Sovereign Gold Bond (SGB) scheme offers a secure and convenient investment option for individuals in India. However, in the unfortunate event of an investor's death, it's crucial for the handling of SGB death claims to be prompt and efficient to ensure that the rightful claimants receive the benefits without undue delay. This article provides a step-by-step guide for processing SGB death claims, based on the latest procedural update from the Postal Division.


In a recent communication, the Postal Division highlighted the need for updated procedures regarding SGB death claims. The necessity arose from instances where certain investors' statuses were marked as "Deceased" in records, and there were unclaimed interest incomes associated with these accounts. This guide aims to facilitate the smooth processing of such claims and ensure compliance with the regulatory requirements.

Documents Required for SGB Death Claims

For a successful SGB death claim, the following documents must be submitted to the Mumbai GPO, either as hard copies or via email to The email subject should be formatted as “SGB-DEATH-CLAIM_Investor-Name_Investor-id”.

  1. Office Forwarding Letter

    • A letter from the respective Division forwarding the claim to the Mumbai GPO.
  2. Claimant's Request Letter

    • A letter from the claimant requesting the transfer of the SGB Certificate. The claimant must be the joint holder in a joint account or the nominee in a single account.
  3. Copy of the Bond

    • A copy of the Sovereign Gold Bond of the deceased investor.
  4. Death Certificate

    • A copy of the official Death Certificate of the deceased investor.
  5. Deceased Investor's Identification

    • Copies of the deceased investor's PAN Card or Aadhaar Card.
  6. Original SGB Application Form

    • A duly attested xerox copy of the original SGB Application Form, including the nomination form and receipt at the time of purchase.
  7. Bank Details of the Claimant

    • The front page of the claimant’s bank passbook or a cancelled cheque showing the IFSC code, account number, and account holder’s name clearly.
  8. Claimant's Identification

    • Copies of the claimant's PAN Card or Aadhaar Card.
  9. Form D

    • The new nominee nomination form (Form D), which must be duly signed by the competent authority with an official stamp.
  10. New Nominee's Identification

    • Copies of the new nominee’s PAN Card or Aadhaar Card (mandatory).
  11. Legal Heir Certificate

    • A Legal Heir Certificate, which is necessary if a nominee was not registered for the deceased investor.
  12. SGB Death Claim Pro-forma

    • The SGB Death Claim pro-forma must be filled out and submitted. An Excel pro-forma is attached for convenience.

Procedure for Submission

  1. Document Compilation

    • Collect and compile all the required documents as listed above.
  2. Forwarding the Documents

    • Submit the compiled documents to the Mumbai GPO. They can be sent either as physical copies or via email.
  3. Email Submission

    • If opting for email submission, ensure that all documents are attached in the required format and send them to with the proper subject line format.
  4. Acknowledgment and Processing

    • Await acknowledgment of receipt from the Mumbai GPO. The processing of the claim will follow, subject to verification and validation of the provided documents.

Key Considerations

  • Accuracy of Information: Ensure that all information provided is accurate and up-to-date to avoid delays in the claim process.
  • Compliance with Deadlines: Adhere to any deadlines specified by the respective authorities for the submission of claims.
  • Consultation with Authorities: For any queries or clarifications, it is advisable to contact the concerned postal authorities or the Mumbai GPO directly.


Processing SGB death claims efficiently is crucial to ensuring that the benefits of the investment reach the rightful heirs or nominees. By following the outlined procedures and submitting the necessary documents promptly, claimants can ensure a smooth transition of the SGB assets. The Postal Division's updated guidelines aim to streamline this process and facilitate better service delivery to the beneficiaries.

Contact Information:

Keywords: SGB, Death Claim, Sovereign Gold Bond, Mumbai GPO, Postal Division, Claim Procedure, Nominee, Legal Heir


  • Ministry of Communications, Department of Posts
  • Postal Division, Updated Guidelines for SGB Death Claims

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