Customer Identification Procedure

The Customer Identification Procedures are to be carried at the following stages:

While establishing a banking relationship, e.g.: account opening.
For existing customers- if any doubt/suspicion arises.
Periodic customer identification data (including photograph/s) are to be updated at least once in
ten years in case of low risk category customers, not less than once in eight years in case of
medium risk category customers and not less than once in two years in case of high risk
category customers.
Customer Identification will also be carried out in respect of non-account holders approaching
bank for one-off transactions. E.g.: RTGS, Forex, etc
Customer Identification to be done for all money changing activities.
Check List for KYC documents
I. For Individuals
Recent Photograph
Proof of identity
Address/location detail

Any Identity Proof with current address will serve as a proof of identity as well as address.
If the identity proof submitted by the customer is having the address same as that declared
by him/her in the account opening form, the document will be accepted by the Bank as a
valid proof of both identity and address. If the address indicated on the document
submitted for identity proof differs from the current address mentioned in the account
opening form, a separate proof of address (as per address list mentioned below) should be
produced.
I. 1. Personal Accounts
Identity Proof (any one)

Address proof (any one)

1.Passport
2.Voter ID card
3.PAN Card
4.Government / Defence ID card

1.Credit Card Statement not more than three months old

2.Salary slip of reputed employers containing current address
3.Income/Wealth Tax Assessment Order
4.Electricity Bill not more than six months old (only if it
contains the current address)
5.Landline Telephone Bill not more than three months old
6.Bank account statement

5.ID cards of reputed employers

6.Driving License

7.Pension Payment Orders issued to the 7.Letter from reputed employer

retired employees by Central/State
Govt. Departments, Public Sector
Undertakings
8.Photo ID cards issued by Post Offices 8.Letter from any recognized public authority having proper
and verifiable record of issuance of such certificates.
9.Photo identity cards issued to 9.Ration Card
bonafide students by a University
approved by the University Grants
Commission (UGC) and/or an Institute
approved by All India Council for
Technical Education(AICTE).
10.Letter from a recognized Public 10.Voter ID card(only if it contains the current address)
Authority or Public servant(Gazetted
Officer rank )verifying the identity and
residence of the customer with photo
duly attested to the satisfaction of the
Branch Manager.
11.Letter
issued
by
Unique 11.Pension Payment Orders issued to retired employees by
Identification Authority of India - Central/State Govt. Depts./Public Sector Undertakings, if
(UIDAI) containing details of name, they contain current address.
address and Aadhaar number.
12.Job card issued by NREGA duly 12.Copies of Registered Leave & License agreement/Sale
signed by an Officer of the State Govt. Deed/Lease Agreement
13.Ex-Servicemen
card
with 13.Certificate and also proof of residence, incorporating
photograph issued by Defence Dept. local address as well as permanent address, issued by
GOI.
the Hostel Warden of the University/Institute, where
the student resides, duly countersigned by the
Registrar/Principal/Dean of Student Welfare. Such
accounts shall however, be required to be closed on
completion of education/leaving the University/Institute
provided the constituent does not give any other
acceptable proof of residence to the Bank.
14.BarCouncil/Medical
14.For students residing with relatives: Address and ID proof
Association/ICAI/ICWAI/ICSI
Card of relatives along with their declaration that the student is
with photograph attested/embedded to related to him and is staying with him.
its members applicable to particular
area where card is issued.
15.Student Identity Card with photo 15.In respect of close relatives e.g. wife, son, daughter and
issued by the Principal of recognized/ parents etc. who live with their husband, father/mother and
affiliated Colleges with validity during son/daughter, as the case may be, branch can obtain an
the course period for opening account identity document and a utility bill of the relative with whom
in the area where College is located.
the prospective customer is living, along with a declaration
from the relative that the said person (prospective customer)
wanting to open an account is a relative and is staying with
him/her. Supplementary evidence such as a letter received

16.Defence dependents card with

photograph issued by the Defence Dept.
GOI.

through post only (and not by courier service),can also be

taken on record for further verification of the address.
However ,in case of joint accounts ,applicants who are not
closely related to each other would be required to establish
their identity and address independently.
16.In respect of officials of Central/State Governments and
Public Sector Undertakings, who are low risk customers for
Bank, branch heads may verify the photo /identity and
confirm residential address of such officials from
independently verifiable sources, to their satisfaction ,and
permit opening of accounts. The facility is extended only to
the Gazetted Officers of Central/State Government and
Senior Management and above functionaries of Public Sector
Undertakings.
17.Certificate from ward/equivalent rank officer, maintaining
election roll certifying address of the applicant.

17.Married woman identity proof with

maiden name, if supported with a
verified true copy of marriage
certificate issued by the competent
authority.
18.Valid/enforceable Arms License 18.Post Office Savings Pass Book.
issued by the competent Authority of
State/Central Govt. of India.
19.Freedom fighters pass issued by the 19.Domicile certificate issued by Govt. authorities with
Ministry of Home Affairs, Government communication address and photograph duly attested.
of India with photograph of applicant.
20.Certificate by Village Extention Officer (VEO) /Village
20.Employee State Insurance Card
head or equal or higher rank officer. Branch to confirm the
(ESIC) with photograph supported by
authenticity of the certificate and that it has been issued by
latest months pay slip.
the person who is holding the said Office.
21.Talat/Patwari (a local Govt. official)
attestation by way of putting rubber
21.Court divorce order Marriage annulment order issued
stamp and signature. Gram Sarpanch/
by the competent Court for opening of an account of
Mukhiya attestation by way of putting
divorcee.
rubber stamp and signature (For small
Account)
22.Mobile cell phone bill(post paid) not more than three
months old issued by BSNL/MTNL/other telecom service
providers regulated by TRAI
23.Gas connection pass book/subscription voucher with
address from LPG Company along with bill not more than
three months old.
24.Address proof certificate issued by our Branch Managers
to our staff members for opening Bank accounts.

I. 2. Small Deposit (No Frills) Account

Documents (any one)
For prospective customers at villages, Kisan Bahi/
Kisan Passbook, issued by the Revenue authorities
and containing photograph/ address of the land
holder.
The job card issued by NREGA duly signed by an
officer of the State Govt.

Restrictions (all)
The aggregate of all credits in a financial year
does not exceed rupees one lakh.

Letters issued by the Unique Identification Authority

of India containing details of name, address and
aadhaar number
Any other document as to the identity and address of
customer to the satisfaction of the Bank.

The balance at any point of time does not exceed

rupees fifty thousand.

The aggregate of all withdrawals and transfers in

a month does not exceed rupees ten thousand

Small account shall remain operational initially

for a period of twelve months, and thereafter for
a further period of twelve months if the holder of
such an account provides evidence of having
applied for any of the officially valid Documents,
to be reviewed after twenty four months.
Foreign remittance shall not be allowed to be
credited into a small account.

Notwithstanding anything contained above, an individual who desires to open a small account may
be allowed to open such an account on production of a self-attested photograph and affixation of
signature or thumb print, as the case may be, on the a/c opening form.
Minors

If minor is less than 10 years of age, ID proof of the person who

will operate the account is obtained.
In cases where minor can operate the account independently, KYC
procedure for identification/address verification as in the case of
any other individual would apply.

I. 3. NRE Personal Accounts

Documents

To be attested (by any one)

In case of attestation by self (any one)

Passport
and Banker
Residence Visa
Notary Public
Indian Embassy
A person known to the Bank. i.e.
account holders
Officers of correspondent banks Cheque drawn on his account with a bank
whose signatures are verifiable abroad having correspondent relationship
through an authorized (A/B with us

category
Forex
handling
branch)branch of the Bank.
Self
Latest bank statement of account overseas,
in original
Copy of Telephone/Electricity Bill of the
place of location abroad
Cancelled/paid cheque of Bank account held
overseas
Proof of Income [Pay slip, Tax return etc] /
Employee ID / Labour Card / Social
Security Card.
II. For Non Personal Accounts

Non Corporate Business Concerns(including Proprietary Concerns)

II.
1

Accounts of Proprietary concerns

1.Registration certificate (in the case of a registered

concern).
Proof of the name, address and 2.Certificate/licence issued by the Municipal authorities
activity of the concern
under Shop & Establishment Act.
3.Sales and income tax returns CST/VAT certificate
Certificate /registration document issued by Sales
Tax/Service Tax/Professional Tax authorities.
4.Licence issued by the Registering authority like
Certificate of Practice issued by Institute of Chartered
Accountants of India, Institute of Cost Accountants of
India, Institute of Company Secretaries of India, Indian
Medical Council, Food and Drug Control Authorities,
Registration /licensing document issued in the name of
the proprietary concern by the Central Government or
State Government Authority/ Department, etc.
5.Banks may also accept IEC (Importer Exporter Code)
issued to the proprietary concern by the office of DGFT
as an identity document for opening of the bank account
etc.
6.The complete Income Tax return (not just the
acknowledgement) in the name of the sole proprietor
where the firm's income is reflected, duly authenticated/
acknowledged by the Income Tax Authorities.

7.Utility bills such as electricity, water, and landline

telephone bills in the name of the proprietary concern.
Any two of the above documents would suffice.
These documents should be in the name of the
proprietary concern.
PLUS
ID and address proof of the proprietor
II.
2

Accounts of partnership firms

- Legal name
- Address
- Names of all partners and
their addresses
- Telephone numbers of the
firm and partners

1.Registration certificate, if registered

2.Partnership deed
3.Power of Attorney granted to a partner or employee of
The firm to transact business on its behalf
4.Any officially valid document identifying the partners
and the persons holding the Power of Attorney and their
addresses
5.Telephone bill in the name of Firm /partners
6.Partnership Letter
PLUS
Proof of identity & address of all the partners /
beneficial owners - natural persons if beneficial
owners are non individuals (owning 15%
capital or entitled for 15% profits)

II.
3

Accounts of companies
- Name of the company
- Principal place of business
- Mailing address of the
company
- Telephone/Fax Number

1.Certificate of incorporation and Memorandum

& Articles of Association
2.Resolution of the Board of Directors to open an account
and identification of those who have authority to operate
the account
3.Power of Attorney granted to its managers, officers or
employees to transact business on its behalf
4.Copy of PAN allotment letter
5.Copy of the telephone bill
PLUS
Proof of identity & address of all the persons operating
the account and beneficial owners (natural persons if
beneficial owners are non individuals) (owning 25%
share or capital or entitled for 25% profits in case of
company which is not listed in a Stock Exchange
(Submission of Proof of identity
& address by
beneficial owners of a company listed in stock exchange
or is a company majority owned one by such listed
company is not warranted)

II.
4

II.
5

II.
6

Accounts of trusts & foundations

1.Certificate of registration, if registered

2.Trust Deed/Settlement Deed
- Names of trustees/
3.Power of Attorney granted to transact business on
Settlers/
Its behalf
beneficiaries and
4.Any officially valid document to identify the trustees,
signatories
settlors, beneficiaries and those holding Power of
- Names and addresses of the
Attorney, founders/managers/directors and their
founder,
Addresses /Telephone/fax number
the managers/directors and the
5.Resolution of the managing body of the
beneficiaries
foundation/association
6.Telephone bill
PLUS
Proof of identity and address of persons like trustees,
executors, administrators etc.
(natural persons)
Societies/Associations/Clubs
1.Resolution for opening of the account
2.A copy of Bye-laws
3.Copy of Certificate of Registration in the case of
Registered Clubs Societies and Associations.
4.Proof of Identification of the office bearers who are
opening and operating the account.
Hindu Undivided Family (HUF)
1.Declaration from the Karta.
2.Proof of Identification of Karta.
3.Prescribed Joint Hindu Family Letter signed by all the
adult coparceners
4.Identity of the adult coparceners