Succession Certificate for Defence Saving Certificate

A Succession Certificate is a legal document that authorizes the legal heirs of a deceased person to claim their assets, including Defence Saving Certificates. If you’re wondering how to get Succession Certificate for Defence Saving Certificate, this comprehensive guide will walk you through the entire process, including requirements, fees, and potential challenges. Whether you’re the applicant or a legal heir, understanding the process is crucial to ensure a smooth and hassle-free experience.

What is a Succession Certificate?

A Succession Certificate is issued by the National Database and Registration Authority (NADRA) or a court of law. It legally recognizes the rightful heirs of a deceased person and allows them to claim assets such as bank accounts, insurance policies, and Defence Saving Certificates. For Defence Saving Certificates, the process involves verifying family linkages and ensuring all legal heirs are accounted for.

Why is a Succession Certificate Required for Defence Saving Certificates?

Defence Saving Certificates are financial instruments issued by the government to encourage savings. In the event of the certificate holder’s death, the legal heirs must obtain a Succession Certificate to claim the funds. Without this document, banks and financial institutions cannot release the funds to the heirs.

Requirements for Obtaining a Succession Certificate

To apply for a Succession Certificate for Defence Saving Certificates, you’ll need the following documents:

1. Applicant’s CNIC: A valid copy of the Computerized National Identity Card (CNIC) of the applicant.
2. Legal Heir’s CNIC: Valid copies of the CNICs of all legal heirs.
3. Affidavit (Letter of Authorization): An affidavit on a 200 Rs. stamp paper or e-stamp, declaring the legal heirs and their relationship to the deceased.
4. Bank Statement from NSC: A bank statement from the National Savings Centre (NSC) showing the details of the Defence Saving Certificates.
5. Original Defence Saving Certificate: The original certificate(s) held by the deceased.
6. Death Certificate: The original death certificate of the deceased.
7. Cancellation of Deceased Member’s CNIC: Proof of cancellation of the deceased’s CNIC.
8. Copies of All Documents: One set of copies of all the above documents for submission. The originals will be returned after scanning.

Fees for Succession Certificate

The fees for obtaining a Succession Certificate depend on the value of the Defence Saving Certificates:

• Rs. 22,000 for certificates valued at more than Rs. 100,000.
• Rs. 10,000 for certificates valued at less than Rs. 100,000.

Step-by-Step Process to Get Succession Certificate for Defence Saving Certificate

Step 1: Visit NADRA Office

The first step in how to get Succession Certificate for Defence Saving Certificate is to visit your nearest NADRA office. Ensure you have all the required documents with you.

Step 2: Check Family Linkage

NADRA will verify the family tree and linkages to confirm the legal heirs. This step ensures that all rightful heirs are included in the succession process.

Step 3: Wait for Your Processing Turn

Depending on the rush, this step may take 2 to 3 hours. Be patient and ensure you have all documents ready for submission.

Step 4: Apply for Succession and Receive Token

Submit your application along with the required documents. You’ll receive a token number for tracking your application status.

Step 5: Legal Heir Verification

All legal heirs must be verified within 20 days. This includes confirming their identities and ensuring they are aware of the succession process.

Step 6: Collection After 20 Days

Once the verification process is complete, you can collect your Succession Certificate from the NADRA office after 20 days.

Potential Challenges and Solutions

While the process is straightforward, certain challenges may arise:

1. Legal Heir is a Minor

If a legal heir is a minor, a guardian must be appointed to represent them. The guardian’s CNIC and legal documents will be required.

2. Legal Heir is Not Cooperating

If a legal heir refuses to cooperate, the case may be delayed. In such cases, mediation or legal action may be necessary.

3. Legal Heir is Mentally Challenged

If a legal heir is mentally challenged, a court-appointed guardian must represent them.

4. Additional Legal Heirs Found

If additional legal heirs are discovered after the process has started, the case may be put on hold until all heirs are verified.

5. Missing Defence Saving Certificates

If any Defence Saving Certificates are missing, you’ll need to provide proof of their existence or file a report with the NSC.

What Happens if the Case is Declined?

If NADRA declines your application due to any of the above challenges, you’ll be issued a Decline Certificate. In this case:

• Only Rs. 5,000 will be returned to the applicant via check within 45 days.
• This is known as Post Decline.
• You’ll need to process your succession through a court of law.

For more information on legal procedures, visit Pakistan Judiciary.

Tips for a Smooth Succession Process

1. Prepare All Documents in Advance: Ensure you have all required documents before visiting the NADRA office.
2. Verify Family Linkages: Confirm all legal heirs and their relationships to avoid delays.
3. Stay Organized: Keep all documents in a folder for easy access during the process.
4. Be Patient: The process may take time, especially if there are challenges.
5. Seek Legal Advice: If you encounter complex issues, consult a lawyer for guidance.

Frequently Asked Questions (FAQs)

1. Can I apply for a Succession Certificate online?

No, the application must be submitted in person at a NADRA office.

2. How long does the process take?

The process typically takes 20 days, but it may take longer if there are challenges.

3. What if I lose the original Defence Saving Certificate?

You’ll need to file a report with the NSC and provide proof of the certificate’s existence.

4. Can I apply for a Succession Certificate if I live abroad?

Yes, but you’ll need to appoint a legal representative in Pakistan to handle the process.

5. What is the difference between a Succession Certificate and a Probate?

A Succession Certificate is issued by NADRA or a court for movable assets like Defence Saving Certificates, while a Probate is issued by a court for immovable assets like property.

Conclusion: Your Guide to Obtaining a Succession Certificate

Understanding how to get Succession Certificate for Defence Saving Certificate is essential for legal heirs to claim their rightful assets. By following the steps outlined in this guide and preparing all necessary documents, you can ensure a smooth and efficient process. While challenges may arise, staying organized and seeking legal advice when needed can help you overcome them.

For more information on NADRA services, visit the official NADRA website. Start your succession process today and secure your financial future!

By following this detailed guide, you’ll be well-equipped to navigate the process of obtaining a Succession Certificate for Defence Saving Certificates. Remember, preparation and patience are key to a successful outcome.

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