Most indian citizens are not aware of the fact that they can lose their hard earned money though they have opted for very safe options like bank deposits and did not gamble the money. If the bank deposit receipt is stolen and they do not try to get a duplicate for some period of time, the powerful well connected friends and relatives of top officials will falsely claim that they own the stolen assets to get credit and great powers.
For example every year, the bank was sending a notice that the amount was being renewed , however in 2016, no notice was received that the amount was being renewed, indicating that the systems were being manipulated. So though getting duplicates is a tiring process, it is advisable to get the money instead of allowing strangers to enjoy the hard earned money.