RESEARCH MONOGRAPG: Position of Nominee and Legal Heir in Statutory Laws of Bangladesh and Muslim Law of Succession

Foot Notes

1 available at- flashart 22-1-11_2.html

2 ibid

3 ibid

4 ibid

5 available at-

6 The Government Savings Banks Act, 1873; Insurance Act, 1938; Co-operative Society Act, 2001,

7 supra

8 Bangladesh Constitution, Art. 2(A)

9 ibid

10 Please Visit- nominees –and – legal-heirs-bombay-high. html

11 Please Visit- http:// perspectivesonlaw.blogspot.Com/2010/05/ nominee-vs-legal-heirs-24. html

12 Mohd. Ma’sum Billah “Effect of ‘Nomination in life policy’ Insurance Vs. Takaful Practices”, Through Google Search

13 Please Visit- Flashart 22-1-11_2. html

14 Please Visit-–religion/ message /30942

15 Harmony July 2010 available at Page_id=13396

16 Oxford Advanced Learner’s Dictionary, New 7th Ed.

17 Garner, Bryan A. (ed.), Black’s Law Dictionary, 8th Edition (2004), p. 1076.

18 accessed on 27.07.2011.

19 Ibid




23 It was issued on 10th April 1971 that says ‘….all laws that were in force in Bangladesh on 25th March, 1971 shall subject to the proclamation aforesaid continue to be so in force with such consequential changes as may be necessary on account of the creation of the sovereign independent state of Bangladesh formed by the will of the people of Bagladesh.’

24 Government Savings Banks Act, 1873; Act No. V of 1973, s- 4(1)

25 ibid, s- 4(2)

26 ibid, s- 4(3)

27 ibid, s- 4(4)

28 By interviewing the bankers, the researcher has come to know that there is no specific form of alteration of the nominee’s name except the account open form. If any accountholder wants to alter the nominee’s name, he/she has to apply in the hand written application to the authority.

29 ibid, s- 4(5)(a)

30 ibid, s- 4(5)(b)

31 ibid, s- 4(5)(c)

32 ibid, s- 4(5)

33 see appendix 1

34 see appendix 2

35 see appendix 3

36 see appendix 4

37 Act No. XIII of 2010

38 see appendix 5(a)

39 The Insurance Act 2010, s- 57(1)

40 ibid,

41 supra, s-57(2)

42 ibid, s-57(4)

43 ibid, s-57(3)

44 ibid, s-57(5)

45 ibid, s-57(6)

46 ibid, s-57(7)

47 Takaful means “guaranteeing each other” in Arabic, is an Islamic system of mutual insurance built around the concept of donation. Each participant contributes to a fund to cover expected claims, while also benefiting from a share of investment returns.

48 see appendix 5(b)

49 see appendix 5(c)

50 ibid, 5(d)

51 ibid, 5(e)

52 ibid, 5(f)

53 Ibid, 5(g)

54 Ibid, 5(h)

55 (Act No. XXVI of 1973)

56 The Rajshahi University Act, 1973, s.56; First Schedule- 18;

57 ibid, 18(1);

58 see appendix 6(a)(b)(c)

59 supra, first schedule, 18(12);

60 ibid, 18(14);

61 ibid 18(15);

62 ibid 18(16)

63 In the Rajshahi University Act, 1973, in the constitution of a family of a subscriber the term husband is not included. It proves that there exists only male subscriber. But is it true? There, female employees are available, in case of them to constitute a family, is husband not necessary?

64 supra, 18(13)

65 ibid, 18(17)

66 ibid, 18(18)

67 ibid, 19(a)

68 ibid, 19(b)

69 ibid, 19(c)

70 President’s Order No. 11 of 1973,

71 The Dhaka University Order, 1973,

72 ibid, first schedule, 24

73 The Provident Funds Act, 1925, (ACT NO. XIX OF 1925); s- 2(e)

74 ibid, s. 5

75 Act No. XLVII of 2011

76 Co-operative Societies Act 2001, s- 40

77 Billah, Mohd. Masum. “Effect of Nomination in life policy’ Insurance Vs. Takafal Practices”…/Effect%20of%20Nomination%20in%20Life%20Polic

78 The Insurance Act (India1938, s. 39(1)

79 ibid, s.39(6)

80 Nominee vs. Legal heir, May 24, 2010,

at http://perspective

81 ibid

82 ibid

83 The Government Savings Banks Act, 1873 of India is as similar as that of Bangladesh. Though the law is same but through the case law India developed the idea but Bangladesh is in zero.

84 ibid

85 ibid

86 AIR 2007 Cal 79, ibid

87 Harsha Nitin Kokate Vs. The Saraswat Co-op. Bank Limited & Others, Ibid

88 2.3.2. This topic is totally based on Mohd. Masum Billah, “Effect of Nomination in life policy’ Insurance vs. Takafal Practices” available…/Effect%20of%20Nomination%20in%20Life%20Policlast visited on 07.07.2011

89Meghna Life Insurance Co. Ltd., Prospectus and Premium List, Islamic Insurance (Takaful) Division, P.7

90 Mohd. Masum Billah, Effect of Nomination in life policy’ Insurance Vs. Takafal Practices,…/Effect%20of%20Nomination%20in%20Life%20Polic

91 ibid

92 Al-Quran, Surah al-Muminun 23:8. ibid, (The Illustrious Qur’an, Abdullah Yusuf Ali.)

93 Al-Quran, Surah al Nisa 4:6. ibid

94 Al-Quran, Surah al Anfal 8: 27. ibid

95 Al-Quran, Surah al Nisa 4:58. ibid

96 Al-Quran, Surah an Nisa 4:107. ibid

97 Al-Quran, Surah al Hajj 22:38. ibid

98 Al-Quran, Surah al Anfal 8:58. ibid

99 Mohd. Masum Billah, supra

100 ibid

101 [1935] AIR 73 (Sind). ibid

102 [1949] AIR 38 (Sind). ibid

103 Mohd. Masum Billah, supra

104 [1970] PLD 613 (Karachi). ibid

105 1974, PLD 185 (S.C.), ibid

106 ibid

107 ibid

108 Oxford Advanced Learner’s Dictionary, New U.K. Edition-2002-2003,

109 Gupta, Dinesh, “Nominee & Legal Heir”. 21 December 2010, [net]

110 At accessed on 20.07.2011

111 Garner, Bryan A. (ed.), Black’s Law Dictionary, 8th Edition (2004), p. 740.

112 Rutherford, Leslie. & Bone, (ed.) Osborn’s Concise Law Dictionary, 8thEdition, 1993, New Delhi, p. 163

113 At, accessed on 20.07.2011

114 ibid

115 ibid

116 Kashi Prasad Saksena, ‘Muslim Law as Administered in India & Pakistan’, p-868

117 Babu Ram Verma, Mohammedan Law in India & Pakistan, 4th ed. (1968/1974). p.428

118 Husband or wife is never excluded from the inheritance. So, this name is given by the author himself.

119 Ordinance No. VIII of 1961

120 It was issued on April 1971

121 Supra

122 Socialist and Communist State

123 Mufti Nazar Kaleem Qudsee Al-Qasmi, Common Shortcomings committed in Inheritance Meeras at last visited on 30.08.2011

124 Government Savings Banks Act, 1873, s.4; the insurance Act, 2008, s.; the Cooperative Societies Act, 2001, s. 40

125 The Rajshahi University Act, 1973, First Schedule- 18; The Dhaka University Order, 1973, first schedule, 24

126 Chapter two, Supra

127 Supra


129 XXVI of 1937

130 Then a Judge of the Appellate Division, Later he was nominated Chief Justice of Bangladesh.

131 Hefzur Rahman Vs Shamsun Nahar Begum, 51 DLR (AD) 172

132 Kasim V Hanifa; the High Court of Karachi, Through Google search

133 1974 PLD 185 SC

134 Mohd. Masum Billah, supra

135 ibid

136 Illustrated in chapter two, sufra

137 supra

138 supra

139 Professor of Islamic Financial Regulations & Policies, University of Camden, USA

140 supra

141 ibid

142 ibid

143 ibid


145 ibid

146 ibid

147 ibid

148 Sarbati Devi vs. Usha Devi (AIR 1984, SC-346), ibid

149 at http://perspective



152 Rumsey, The Mahommedan Law of Inheritance, 3rd impression, 1959, Lahore, preface, p.1

153 The Rajshahi University Act, 1973, 1st schedule 18(18)


155 The Government Savings Banks Act, 1873 (Act No. V of 1873); the Insurance Act, 2010; (Act No. XIII of 2010); the Co-operative Society Act, 2001; (Act No. XLVII of 2001); the Post Office National Saving Certificates Ordinance, 1944; (Ordinance No. XLII of 1944)

156 ACT NO. XIX OF 1925, s.5

157 Act No. XIII of 2010, s.57(6)





162 Through interviewing the various officers of the insurance company and bank,


164 Infra



167, accessed on 23.07.2011

168 ibid


170 As the Succession Act 1925 of Bangladesh and the Succession Act 1925 of India is same so the same idea will be applied in Bangladesh.


173 Act No. V of 1873

174 The Provident Fund Act, 1925

175 Ordinance No. XLII of 1944

176 Act No. XLVII of 2001…/Effect%20of%20Nomination%20in%20Life%20Polic

178 Mohd. Ma’sum Billah “Effect of ‘Nomination in life policy’ Insurance Vs. Takaful Practices”, Through Google Search.

179 Please Visit- nominee-versus-legal-heir/394633/





184 All the Acts contain such type of provision.


186 Any book on Muslim Law

187 Absolute trust and faith in the Almighty Allah was substituted for Secularism by the Proclamations (Amendment) Order, 1977, and art. 8(1A) was inserted as a new one by the same order. In 2011 these are repealed by the Constitution (Amendment) Act, 2011.

188 XXVI of 1937

189 51 DLR (AD) 172,

190 Al-Quran, 4:14,

191 Ibid



Al- Hedaya – a book of Muslim sharia law compiled by Al-Murghinani
Al- Mirath – Arabic term of inheritance
Ashaba – residuary
Bonafide- – real not false
Fara’id – Arabic term of inheritance
Hanafi law – a principle of Sunni law
Hiba – Arabic term of gift
Hiba-bil-Awaz – Arabic term meaning of which is a gift for a consideration
Injunction – order
Sahriah – the set of canonical laws of Islam
Shia law – a sect of Muslims who admit Hazrat Ali (AR) is only khalif/imam of Muslims after Hazrat Muhammad (s.w.m.)
Sirajiyyah – the book of inheritence
Sunni law – a sect of Muslims who admit Hazrat Muhammad (s.w.m.) is the last prophet and who support the election method of determining the Khalifa(imam/leader)
Surut hal – a technical word used in law meaning of which the condition of the body
Takaful – Islamic insurance system
Viz. – used to introduce a list of things that explain something more clearly or are given as example
Wasiyah – Arabic term of will
Zavaul-ul-arham – distant kindred
Zavaul-ul-furuz – Qur’anic sharers/ fixed sharers




The Government Savings Banks Act, 1873; (Act No. V of 1973)

Bangladesh Constitution, 1972

The Insurance Act 2010(Act No. XIII of 2010)

The Rajshahi University Act, 1973(Act No. XXVI of 1973)

The Dhaka University Order, 1973, (President’s Order No. 11 of 1973)

The Provident Funds Act, 1925, (Act NO. XIX of 1925)

The Post Office National Saving Certificates Ordinance, 1944, (Ordinance No. XLII of 1944)

Co-operative Societies Act 2001(Act No. XLVII of 2001)

Muslim Family Laws Ordinance, 1961, (Ordinance No. VIII of 1961)

The Muslim Personal Law (Shariat) Application Act, 1937 (Act No. XXVI of 1937)

Laws Continuance Enforcement Order, 1971 (issued on 10th April 1971)

The Insurance Act (India1938

Civil Law Act (Malaysia) 1956

The Married Women’s Property Act (UK) 1882

Bombay Co-operative Society Act (India1927

Insurance Act (Malaysia) 1996


Oxford Advanced Learner’s Dictionary, New 7th Ed. (2007)

Garner, Bryan A. (ed.), Black’s Law Dictionary, 8th Edition (2004)

Meghna Life Insurance Co. Ltd. Prospectus and Premium List, Islamic Insurance (Takaful) Division

The Al-Quran

Rutherford, Leslie. & Bone, (ed.) Osborn’s Concise Law Dictionary, 8th Edition, 1993, New Delhi

Saksena, Kashi Prasad. ‘Muslim Law as Administered in India & Pakistan’, India, p-868

Verma, Babu Ram. Mohammedan Law in India & Pakistan, 4th ed. (1968/1974), India, p.428


Billah, Mohd. Ma’sum, Effect of ‘Nomination in life policy’ Insurance vs. Takaful Practices,

(at…/Effect%20of%20Nomination%20in%20Life%20Polic..accessed on05.07.2011)

Nominee vs. Legal heir, May 24, 2010, (at http://perspective accessed on 05.07.2011)

Gupta, Dinesh, “Nominee & Legal Heir”. 21 December 2010, (online, accessed on 05.07.2011)

Al-Qasmi, Mufti Nazar Kaleem Qudsee, Common Shortcomings committed in Inheritance Meeras,

(at on 07.07.2011)

Internet Address: flashart 22-1-11_2.htmlaccessed on 04.7.2011 accessed on 04.7.2011 nominees–an –legal-heirs-bombay-high.html accessed on 20.07.2011

http:// perspectivesonlaw.blogspot.Com/2010/05/ nominee-vs-legal-heirs-24 htmlaccessed on 04.7.2011–religion/ message /30942 accessed on04.7.2011 Page_id=13396. accessed on 27.07.2011. on 20.07.2011, accessed on 20.07.2011 accessed on 04.7.2011…/spouse%20and%20law%20of%20nomination.doc.doc15.07.2011

http://perspective….365-nominee-of-shares-superior-to-legal-heirs- 21.07.2011–1528.asp…/Effect%20of%20Nomination%20in%20Life%20Polic–3594.asp, accessed on 23.07.2011 nominee-versus-legal-heir/394633/



Case List

Harsha Nitin Kokate Vs. The Saraswat Co-op. Bank Limited & Others, athttp://perspective

Nur Muhammad vs. Mst. Sardar Khatun, [1949] AIR 38 (Sind)

Hedayatullah vs. Mst. Rahiman, [1935] AIR 73 (Sind)

Karim vs. Hanifa [1970] PLD 613 (Karachi)

Amtul Habi vs. Musarrat Parveen, [1974], PLD 185 (S.C.),

Hefzur Rahman Vs Shamsun Nahar Begum, 51 DLR (AD) 172

Amatol Habi vs Musarrat Parveen, [1974] PLD 185 SC

Atmaram Mohanlal Panchal v. Gunavantiben

Sarbati Devi Vs. Usha Devi (AIR 1984, SC-346)

Shipra Sengupta vs. Mridul Sengupta & Others–1528.asp

Re Engelbach’s State, Libbetts v. Engelbach

Cathe’s v Commissioner of Stamp Duties


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