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Synopsis Here is a look at the process of filing a claim with SBI after the death of an account holder. Agencies If the savings account of the deceased does not have a nominee registered and is not a joint account, then the bank will pay the money to the legal heirs. Before filing a death claim with the State Bank of India (SBI), it is important for the claimant to know two things. One, whether the account of the deceased person was held jointly with another person or was it a single holding account. Two, if nominees were registered by the deceased account holder or not.