KYC Documents


Type of Account holder

Identity Proof Documents

Documentary proof for
*correct permanent address

Accounts of Individuals &
Sole Proprietors

Note:
In case of Passport / Driving
License, branch should
ensure that it is valid.
In case of Telephone Bill,
branch can accept / obtain
postpaid bills of land line or
mobile phones.
In case of utility bills, branch
should ensure that it is latest
one i.e. not older than one
month).
In case account is categorized
as Medium / High Risk,
branch to obtain more than
one document to its
satisfaction as a measure of
higher due diligence.
Correct Permanent Address
as referred to herein means
the address at which a person
usually resides and will be
taken as the address as
mentioned in a utility bill or
any other document accepted
by the bank for verification of
the address of the customer.

1. Passport
2. PAN card
3. Voter’s Identity Card
4. Driving license with photo.
5.Photo Identity card /
confirmation from employer
(subject to the bank’s
satisfaction)
6. Letter from a recognized
public authority or public
servant verifying the identity
(Photograph) of the customer
to the satisfaction of bank.
7. Confirmation / Letter from
employer / other bank
verifying therein photograph of
the person along with other
things.
(Copy of latest two passport
size photographs and copy of
any one of the above
documents to be obtained)

Note:
For rural branches, in the
absence of any of the above
documents, photo ration card /
Certificate from the local body/
NGO/MFI will suffice for
establishing identity
(Photograph) of the applicant.
Branch will ensure to match
photograph of prospective
customer with his / her ID
document.

1. Passport
2. Voter’s Identity Card
3. Driving license
4. Telephone bill.
5. Electricity Bill
6. Bank account statement
with address.
7. Income Tax / Wealth Tax
Assessment order with
address.
8.Letter from any recognized
public authority verifying
residence address of the
customer subject to the
satisfaction of the Bank
9. Letter from employer
(subject to satisfaction of the
bank).
10. Ration Card
(Copy of any one of the above
documents to be obtained.

 

Note:
For rural branches, in the
absence of any of the above
documents, Certificate from
the local body/ NGO/MFI will
suffice for establishing
address of the applicant.
Branch will ensure to verify /
match address of prospective
customer mentioned in A/c
opening form with his / her
address proof document.

 

For Joint Account Holders
who are not closely related to
each other

 

For close relatives (e.g. wife,
son, daughter and parents
etc.) living with husband /
father /mother/ son/ daughter
etc. and utility bills required for
their address verification are
not in their names, branch will
obtain

 

 

 

 

 

 

In case of customers who
stay as tenants and utility
bills required for their address
verification are not in their
names, branch will obtain

1. Independent identity proof
(any one ID document from
the above mentioned list) of
each joint account holder is
required to be obtained.

 

1. An identity document of
prospective customer( any
one from the above mentioned
list)
2. An identity document of the
relative (any one from the
above mentioned list) with
whom the prospective
customer is living.
3. A declaration from the
relative that the said person
(prospective customer)
wanting to open an account is
his / her relative (mentioning
relationship) and is staying
with him / her subject to
satisfaction of the bank.

1. An identity document of
such customer( any one from
the above mentioned list)
2. An identity document of his
/ her landlord (any one from
the above mentioned list).
3. A declaration from land lord
that the said person
(prospective customer)
wanting to open an account is
still his / her tenant and
presently staying in his / her
house for which he / she has
given him / her, his/her identity
document and utility bill. This
will be subject to satisfaction of the bank.

1. Independent address proof (any one address proof
document from the above
mentioned list) of each joint
account holder is required to
be obtained.

1. Utility bill of the relative with
whom the prospective
customer is living.
2. Branch may in addition to
the above accept / use any
supplementary evidence to its
satisfaction such as a letter
received through post for
further verification of their
address.

 

 

 

 

1. Lease / Tenancy
Agreement if executed
between landlord and the
prospective customer and or
renewed from time to time
subject to satisfaction of the
bank.
2. Utility bill of his / her
landlord in whose house he /
she is staying

 

 

 

 

In case of Customers who
stay in the Houses allotted
to them by their Employers
and utility bills required for
their address verification are
not in their names, branch will
obtain

 

 

 

 

 

 

 

 

 

 

 

 

 

In case of Students who
stay in the Hostels allotted
to them by their Institutions
/ Colleges and utility bills
required for their address
verification are not in their
names, branch will obtain

4. Separate confirmation from
landlord for having given his /
her ID documents / Utility Bills
to his tenant for opening
account.

1. An identification document
of such customers( any one
from the above mentioned list)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1. An Identity Card issued by college / institution.

2. An admission letter for the course mentioning duration of course for which he / she is admitted by the Institute / College.

 

 

 

 

1. House allotment letter on letter head of his / her
employer duly signed by the authorized signatory,
mentioning detailed address and location of house, ownership of the
accommodation and date of allotment of house etc. subject to the satisfaction of the bank.

2. Utility bill in the name his / her employer containing same address mentioned in the allotment letter.

3. Utility bill of their permanent residence if any declared by them in their account opening
form to the bank

4. Separate confirmation from their employers for having issued allotment letter and utility bill for residential accommodation either owned by them or taken on lease in their name for a/c opening
purpose.

1. An allotment letter on letter head of Institution / College for allotting him / her hostel accommodation duly signed by the authorized signatory,
mentioning detailed address and location of hostel, room no. etc. and date of allotment of hostel accommodation etc.

 

 

 

 

 

 

 

 

 

 

 

 

In case of Foreign Students
who stay in the Hostels
allotted to them by their
Institutions / Colleges and
utility bills required for their
address verification are not in
their names, branch will obtain

3. ID document of their
parents (i.e. either father or mother)

 

 

 

 

 

 

 

 

 

 

 

1. An Identity Card issued by
college / institution.

2. An admission letter for the
course mentioning duration of
course for which he / she is
admitted by the Institute /
College.

3. Copy of Passport and copy
of Visa.

2. Utility bill in the name of their parents for permanent residence to be declared by them in their account opening form to the bank.

3. Such Students will have to submit hostel accommodation letters from their Institutions /
Colleges every year  during the tenure of their course in the beginning of their terms failing which bank may freeze their accounts.

4. On completion of their
course / terms, such students will have to intimate their new address with documentary evidences to the satisfaction of the bank for operating their
accounts.

1. An allotment letter on letter head of Institution / College for allotting him / her hostel accommodation duly signed by the authorized signatory, mentioning detailed address and location of hostel, room
no. etc. and date of allotment of hostel accommodation etc

2. Such Students will have to submit hostel accommodation letters from their Institutions /
Colleges every year  during the tenure of their course in the beginning of their terms failing which bank may freeze their accounts.

3. On completion of their
course / terms, such students will have to intimate their new address with  documentary evidences to the satisfaction of the bank for operating their

 

For newly married women
while opening new account or
change in the existing account
(i.e. change of pre-marital
name) branch will obtain.

 

 

 

 

 

 

 

 

 

1. Evidence of marriage i.e.
Marriage certificate or
Notarized Affidavit in absence
of marriage certificate. Where
it is difficult to produce
evidence of marriage, it will be adequate if a confirmation of change in name is provided
on the letter of request from
any responsible person well
known to the bank.

2. Clear photograph of the
wedding where photo of the
woman and her husband is
shown together and photo of
woman matches with the
photo on the pre-marital
identification documents. Or

3. Joint photograph (marriage
photograph) of the bride and
the groom.

4. Introduction from an
existing customer, who has
been subjected to full KYC
procedures and is having
satisfactory account with the
bank for not less than one
year.

5. Self declaration in case
newly married women is
already having an account
subjected to full KYC
procedures.

6. A letter from the female
depositor requesting a change in the name also indicating whether she desires to change the style/words of her
signature and if so fresh

accounts.

1. Marriage invitation card for verification of new address

2. Any document (for proof of address as mentioned above
for Accounts of individuals) for address proof of the groom.

 

 

 

 

 

 

 

 

 

signature card to be obtained.

7. Identification documents of
the husband where the family
name matches with that of the
application (i) to open new
bank account or (ii) to change
in the pre-marital name.

 

Accounts of Companies
-Name of the Company
-Names of all Directors and
their addresses.
-Names of Authorized
signatories and their
addresses.
-Principal place of business
-Mailing address of the
company
-Telephone/Fax Number.
-Email address of the
Company and its Directors /
Authorized Signatories to
the account.

(All following documents to be
obtained)
1.Certificate of Incorporation
and Memorandum & Articles
of Association.

2. Resolution of the Board of
Directors to open an account
and list of Directors and list
officials authorized to operate
the account.

3.Identification of Directors
and authorized signatories
should be based on photo
identification documents as in
case of individuals, and
signature cards duly attested
by the company

4. Power of Attorney, if
granted to its managers,
officers or employees to
transact business on its behalf

5. Copy of PAN allotment
letter in the name of the
Company.

(All following documents to be obtained)
1. Telephone bill in the Name of company showing principal address and mailing address of the company as the case
may be.

2. Fax Number & Email
Address of the company as
the case may be.

3. Utility bills in the name of
the company as measure of higher due diligence.

 

 

4. Any document (as given
above for accounts of
individuals) for address Proof of Directors and Authorized signatories.

Accounts of Partnership
firms.

-Legal name.
-Address.

-Names of all partners
and their addresses.

-Telephone numbers of
the firm and partners.

(All following documents to
be obtained)

1. Registration certificate, if
registered

2. Letter of Partnership.

3. Power of Attorney
granted to a partner or an
employee of the firm to
transact business on its

(All following documents to
be obtained)

1. Telephone bill in the
name of firm & partners.

 

2. Utility bill in the name of
firm as a measure of
higher due diligence.

-Email address of the
Firm and its Partners /
Authorized Signatories
to the account.

behalf (if applicable)

4. Any document (as given
above for Accounts of
individuals) identifying
partners and the persons
holding the Power of Attorney with their photographs.

5. Copy of Pan Allotment
letter in the name of the
firm.

 

3.. Any document (as
given above for individual
accounts) for address
proof of Partners and the
persons
Holding the Power of
Attorney.

Accounts of Trusts &
Foundations.
-Legal name
-Names of trustees,
settlers beneficiaries and
signatories.
-Names and addresses
of the founder, the
managers/directors and
the beneficiaries.
-Telephone/Fax
Numbers.
-Email address of the
Trust and its Trustees /
Authorized Signatories
to the account.

(All following documents to
be obtained)

1.Certificate of Registration, if registered

2. Power of Attorney
granted to transact
business on its behalf

3. Any document (as given
above for Accounts of
individuals) to identify the
trustees, settlers,
beneficiaries, and those
holding power of Attorney,
founders/managers/directors/
signatories.

 

 

4.List of names and
addresses of trustees,
settlers, beneficiaries and
those holding Power of
Attorney, and other key

(All following documents to
be obtained)

1. Telephone bill in the
name of Trust / Foundation.

2. Utility bill in the name of
Trust/Foundation (as a
measure of higher due
diligence.)

3. Any document (as given
above for Accounts of
individuals) for address
Proof of Trustees, settlers,
beneficiaries and persons
holding Power of Attorney,
Founders/Managers
Directors/Signatories.

 

officials involved in the day
to day management of the
Trust to the satisfaction of
the bank.

5. Resolution of the
Managing Body to open an
account of the foundation / association.

6. Copy of Pan allotment
letter in the name of the
Trust/Foundation.

 

Accounts of Society /
Associations / Clubs.

-Legal name.

-Names and addresses
of elected office bearers.

-Telephone Numbers.

-Email address of the
Society/Association/Club
and its Office beares /
Authorized Signatories
to the account.

All following documents to
be obtained)

1. Copy of certificate of
registration in the case of
registered clubs.

2. Copy of Bye-laws

3. Resolution of Managing
Committee societies /
associations.

4. List of elected office
bearers.

5. Any document (as given
above for Accounts of
individuals) to identify each
Office bearers / signatories
and persons holding
Power of attorney, if any,
to transact on its behalf.

6. Copy of Pan Allotment
letter in the name of the
society /association /club.

(All following documents to
be obtained)

1. Telephone bill in the
name of Society /
Association / Club.

2. Utility bill in the name of
Society/Association/club
as a measure of higher
due diligence.

3. Any document (as given
above for Accounts of
individuals) for address
proof of Office bearers /
Signatories and persons
holding Power of
Attorney, if any.

Accounts of Hindu
Undivided
Family

 

 

(All following documents to
be obtained)

1. Declaration from the
Karta.

2. Any document (as given
above for Accounts of
individuals) to identify Karta.

3. HUF Letter signed by all
the adult co-parceners

(All following documents to be obtained)

1. Any document (as given above for Accounts of individuals) for address proof of Karta.

Non Resident Individuals

(All following documents to be obtained)

1. Passport

2. Residence Visa

 

NOTE:
Copies of these documents to be verified by the bank official
with the original or duly attested by Banker / Notary Public/
Indian Embassy to the satisfaction of the bank.