Documents Required

For personal accounts

• Passport size photos of the applicant
• Copy of PAN Card (mandatory)
• Copy of any one valid identity proof: Income Tax PAN Card / Driving License / Passport / Voter ID Card / Aadhaar Card (Original must be brought for verification)
• Proof of address or business (photocopy of any one): GST Certificate / Shop & Establishment License / Utility Bill / Udyam Certificate (Original to be shown for verification) .
• Proof of business ownership, such as a CA certificate, trade license, etc.
• Those without a PAN must submit Form No. 60 separately.

For institution/trust accounts

• Registration Certificate of the organization/trust and its constitution/bylaws
• Resolution for opening the account, with names and signatures of the authorized office bearers
• Passport-size photographs of the office bearers operating the account
• PAN Card of the organization/trust (If not available, Form No. 60 must be submitted separately)
• KYC documents (ID and address proof) of the authorized signatories
• Proof of address of the organization/trust (e.g., utility bill, lease agreement)
• Personal declaration of each office bearer administering the account on behalf of the trust/organization

Rules for Account Operation

• Only the person/persons in whose name the account is opened can operate it. Minors, lunatics, or bankrupt individuals cannot open or operate an account, and their power ceases if they become so.
• Cheques will not be paid if the signature doesn't match the specimen. The bank isn't responsible for signature fraud by others.
• If a cheque bounces due to insufficient funds in one account, the bank can transfer funds from any other account in the same name to cover it, without prior notice.
• Current accounts do not earn interest.
• Cheques/drafts from clearing are credited only after they are realized.
• The bank can close accounts that are not operated for a long time.
• The bank can deduct service charges from the account at any time.
• The bank can reject torn, soiled, or altered cheques.
• If a cheque is issued for more than the available balance and the account holder knows there are insufficient funds, the bank can stop payment, and the account holder bears the loss.
• The bank can change these rules at any time without prior notice.