1.

Would It Be Possible, If I Do Not Have Any Of The Officially Valid Documents, To Have A Bank Account, Which Is Not Subjected To Any Limitations As In The Case Of ‘small Accounts’?

Answer»

A normal account can be opened by submitting a copy of any one of the following documents as Proof of Identity (PoI):

Identity card with person’s photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, and Public Financial Institutions;
 (or)
letter issued by a gazetted OFFICER, with a duly ATTESTED photograph of the person.

For Proof of Address (PoA), you may submit the following documents:

Utility bill, which is not more than two months old, of any service provider (electricity, telephone, post-paid mobile phone, piped gas, WATER bill);

Property or Municipal Tax receipt;

Bank account or Post Office savings bank account statement;

PENSION or family Pension Payment Orders (PPOs) issued to RETIRED employees by Government Departments or Public Sector Undertakings, if they contain the address;

Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies. Similarly, leave and license agreements with such employers allotting official accommodation; and

Documents issued by Government departments of foreign jurisdictions or letter issued by Foreign Embassy or Mission in India.

This, however, is not a general rule and it is left to the judgement of the banks to decide whether this simplified procedure can be adopted in respect of any customer.

A normal account can be opened by submitting a copy of any one of the following documents as Proof of Identity (PoI):

Identity card with person’s photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, and Public Financial Institutions;
 (or)
letter issued by a gazetted officer, with a duly attested photograph of the person.

For Proof of Address (PoA), you may submit the following documents:

Utility bill, which is not more than two months old, of any service provider (electricity, telephone, post-paid mobile phone, piped gas, water bill);

Property or Municipal Tax receipt;

Bank account or Post Office savings bank account statement;

Pension or family Pension Payment Orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings, if they contain the address;

Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies. Similarly, leave and license agreements with such employers allotting official accommodation; and

Documents issued by Government departments of foreign jurisdictions or letter issued by Foreign Embassy or Mission in India.

This, however, is not a general rule and it is left to the judgement of the banks to decide whether this simplified procedure can be adopted in respect of any customer.



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