In the event of the unfortunate demise of the account holder, the course of action is as follows:
In case of the account being held jointly, the other joint account holder can continue to operate the account.
In case of when the account is held in a single name, all assets shall be transferred to your legal heir and successor subject to the legal process and regulations applicable to your holdings and estate.
Please Note: The legal heir or successor, whosoever may be, should provide proof to that effect.