Documents required for opening deposit accounts:
The Customer identification will be done on the basis of documents provided by the prospective customer as under,
a) Passport or Voter ID card or Pension Payment Orders (Govt./PSUs) alone, whereon the address is the same as mentioned in account opening form.
b) Anyone document for proof of identity and proof of address, from each of the under noted items
Proof of identity
i) Passport, if the address differs from the one mentioned in the account opening form
ii) Voter ID Card, if the address differs from the one mentioned in the account opening form
iii) PAN Card
iv) Govt. / Defence ID card
v) ID cards of reputed employers
vi) Driving Lice
vii) Pension Payment Orders (Govt./PSUs), if the address differs from the one mentioned in the account opening form
viii) Photo ID Card issued by Post Offices
viii) Photo identity card issued to bonafide students of Universities/ Institutes approved by UGC/ AICTE
Proof of address
i) Credit card statement
ii) Salary slip
iii) Income tax /wealth tax assessment
iv) Electricity bill
v) Telephone bill
vi) Bank account statement
vii) Letter from a reputed employer
viii) Letter from any recognized public authority
ix) Ration card
x) Copies of Registered leave & license agreement/Sale Deed/Lease Agreement may be accepted as proof of address
xi) Certificate issued by hostel and also, proof of residence incorporating local address, as well aspermanent address issued by respective hostel warden of aforesaid University/institute where the student resides, duly countersigned by the Registrar/Principal/Dean of Student Welfare.Such accounts should be closed on completion of education/ leaving the University/ Institute.
xii) For students residing with relatives, address proof of relatives along with their identity proof, can also be accepted provided declaration is given by the relative that the student is related to him and is staying with him.
Small Deposit Accounts:
Branches may open accounts for those customers who are in no position to submit the above mentioned documents provided they intend to maintain balances not exceeding Rs. 50,000/- (Rupees Fifty Thousand only) in all their accounts taken together and the total credit summation in all the accounts taken together is not expected to exceed Rs.1,00,000/- (Rupees One Lac only) in a year, subject to:
a) Introduction from another account holder who has been subjected to full KYC procedure. The introducer’s account with the bank should be at least six months old and should show satisfactory transactions. Photograph of the customer who proposes to open the account and also his address needs to be certified by the introducer.
(OR)
b) At villages, Kisan Bahi/Kisan Passbook issued by revenue authorities and containing photograph/address of the land holder will be accepted.
c) Any other evidence as to the identity and address of the customer to the satisfaction of the bank.
However, if at any point of time, the balances in the accounts of such customers with the Bank (taken together) and the total credit summation exceed the above threshold, no further transactions will be permitted until full KYC procedures are completed.
