<h1>Bank ordered to repay deceased depositor's FD with interest, plus Rs 50,000 compensation and Rs 5,000 costs</h1> A consumer commission ordered a bank to repay a deceased depositor's fixed deposit maturity proceeds with applicable interest and to pay compensation and litigation costs after the bank refused the heir's claim, citing missing records following a merger. The heir produced the original FD receipt and identity and death records. The commission held that rights to claim unclaimed deposits do not lapse and banks must settle valid claims with customers and then seek reimbursement from the central bank under existing norms. The bank was directed to pay the FD amount, interest, Rs 50,000 for mental agony and Rs 5,000 for costs within 45 days.