DICGC query on same right and capacity

Dear Client,
The same right & same capacity refer to how a depositor's different bank accounts are grouped together for insurance purposes. All deposits held by an individual in the same type of capacity, i.e, as an individual, as a joint account holder, etc., are considered together and insured up to the maximum limit of ₹5 lakhs. The same right refers to the depositor's ownership or claim on the funds, and the same capacity refers to the legal or contractual role the depositor has in relation to the bank account. All deposits held in the same capacity and same right by a depositor are aggregated to determine the total amount of deposits that are insured. This means that if a depositor has multiple accounts with the same ownership and capacity, the total balance across all these accounts is considered the all deposits held in the same capacity and same right by a depositor are aggregated to determine the total amount of deposits that are insured. This means that if a depositor has multiple accounts with the same ownership and capacity, the total balance across all these accounts is considered for the DICGC insurance cover, which is up to a maximum of ₹5 lakhs per depositor. If more than one deposit account are jointly held by individuals in one or more branch of a bank say three individuals A, B & C hold more than one joint deposit accounts in which their names appear in the same order then all these accounts are considered as held in the same capacity and in the same right. Accordingly, balances held in all these accounts will be aggregated to determine the insured amount within the limit of Rupees Five Lakhs. However, if individuals open more than one joint account in which their names are not in the same order, then the deposits held in these joint accounts are considered as held in different capacities and different rights and insurance cover will be available separately up to Rupees Five Lakhs to every such joint account where the names appearing in different order or names are different. So, while the deposit of A & B in the X bank comes under the purview of the DICGC insurance cover, the joint account of A& B in the same bank X that exceeds the maximum limits, together with their individual deposits and there names appear in the same order, shall not be considered for insurance coverage. For more clarification or information, you may visit the concerned Bank where your deposits are lying.