Savings certificates: nominees or heirs must submit proof of death; postal authorities may pay small-value estates without probate. Claims under the Social Security Certificates Rules, 1982 require an application to the registering postmaster with the certificate and proof of death; multiple nominees must give a joint discharge and a guardian for a minor nominee must certify need. If no nomination or probate/succession documentation is produced within three months, postal authorities may pay sums not exceeding Rs. 20,000 to a person appearing entitled, with specified authorities authorised to sanction payments up to graded monetary limits without probate.