ACCOUNT OPENING FORM FOR RESIDENT INDIVIDUAL (PART -I)

CUSTOMER INFORMATION SHEET (CIF Creation/Amendment)

(In case of joint accounts, Part -I(CIF Sheet) to be taken for each customer) Date: D D M M Y Y Y Y

Branch Name : Branch Code

Fields marked asterix (*) are mandatory.Please fill up in BLOCK letters only and use black ink for signature Bank/Branch to affix rubber stamp of
(For office use only) name and code no.
Customer ID: Application type: New Update

Account No.: CKYC No.:

(Mandatory for CKYC update request)
Account type: Normal Small (For low risk customers)
1 Personal Details
Existing Customer ID: (If applicable)

Name*: F I R S T N A M E M I D D L E N A M E L A S T N A M E
(Same as ID Proof) Prefix
Maiden Name : F I R S T N A M E M I D D L E N A M E L A S T N A M E

Date of Birth*: D D M M Y Y Y Y Gender* Male Female Transgender Marital Status* Married Unmarried Others
Prefix
Name of Father/Mother F I R S T N A M E M I D D L E N A M E L A S T N A M E
/Spouse* (Please Tick One) (Father's name is mandatory if PAN is not provided)
No. of Dependents
Illiterate YES NO if yes : Identification Marks :
Prefix
Name of Guardian F I R S T N A M E M I D D L E N A M E L A S T N A M E
(In Case Of Minor*) Relationship with Guardian

Nationality*: In-Indian Others Country Name:

Occupation Type* S-Service Private Sector Public Sector Government Sector
O-Others Professional Self employed Retired House Wife Student
B-Business X-Not categorised-Please specify……………………………………………………………………………………………….
Monthly Income*: Rs. Net Worth(approx value) Rs.

Religion: Hindu Muslim Christian Sikh Others …………………………………………………………………………..

Category: General OBC SC ST

Person with disability Yes No If yes, i. Visually impaired ii. Differently abled
Educational Qualification: Below SSC SSC HSC Graduate Post Graduate Professional Others

Organization's Name: Designation/Profession: Nature of Business:

Please Tick the Applicable box*: Politically exposed Person Related to politically Exposed Person None
ISO 3166 Country Code of Jurisdiction of Residence* (Code for India is IN)

Place/City of Birth* ISO 3166 Country of Code of Birth* Citizenship

Country of Tax Residence in India only and not in any other country or territory outside India* Yes No (If No, please fill the FATCA details form - Annexure II)

PAN*/Tax Identification Number or equivalent (If issued by jurisdication) (If PAN is not submitted, submit Form 60 - Annexure I)

2 Contact Details (All communications will be sent on provided Mobile No./Email-ID)

Mobile No. Email ID

Alternate Mob. No. S T D Tel.(Off): S T D
Tel.(Res):

3 Proof of Identity/Address (Please tick the appropriate Box (any one ID type) and give details)*
A-PASSPORT B-VOTER'S IDENTITY CARD C-DRIVING LICENCE D-UID(AADHAR) ANY OTHER

E-NREGA JOB CARD F-LETTER ISSUED BY NATIONAL POPULATION REGISTER CONTAINING DETAILS OF NAME & ADDRESS

S- Simplified Measures Account Document (Type code)

Document code Description
Identity card with applicants photograph issued by Central/State Government Departments, Statutory/Regular authorities/Public sector
O1
undertakings, scheduled commercial banks and public financial institutions
O2 Letter issued by a gazetted officer, with a duly attested photograph of the person
Document No/Identification Number*
Issue Date:* D D M M Y Y Y Y Expiry Date (If applicable):* D D M M Y Y Y Y
4 Address details Current Permanent Overseas
Address type* Residential/Business Residential Business Registered Office Unspecified
Address*

City/Village*: District*:
State:* Pin:*

5 Address details Correpondence Local Same as Current/Permanent Address

Address type* Residential/Business Residential Business Registered Office Unspecified

Address*

City/Village:* District*:
State:* Pin:*

6 If the Proof of Address(OVD) provided does not contain current address-please provide any of the documents below.
Utility Bill PPO/FPPO Property or Municipal tax receipt

Letter of allotment of accomodation issued by employer/ issued by State or Central Government departments, statutory or regulatory bodies, Public sector
undertaking, scheduled commercial banks, financial institutions and listed companies. Similarly, leave and license agreements with such employers allotting official
accomodation.
Document No Date: D D M M Y Y Y Y

7 DECLARATION CUM UNDERTAKING CUM SELF–CERTIFICATION

I have read the copy of Terms and Conditions of the Account Opening given to me. The Terms and Conditions have been explained to me/us and
having understood, I accept the same.
1 I hereby declare that I have submitted the Aadhaar Card issued by UIDAI voluntarily for identification and /or address proof towards the compliance of KYC norms under the PMLA, 2002

2 I hereby consent that the Bank may verify the same with the UIDAI and authorise the UIDAI expressly to release the identity and address

through biometric authentication to the Bank YES NO

PHOTO*

Please Paste Signature/Thumb impression of the Applicant

Please sign in black ink only

Recent passport Size

(Do not Staple)

Place: Date: D D M M M Y Y Y Y

8 FOR OFFICE USE/ATTESTATION Documents received Self certified True copies Notary

Whether self-certification & documents received as part of account opening process have been verified and found correct YES/NO .
(Branch to proceed with opening only when certification is (YES))
Certified that the implications and conditions for the operation of the account have been explained to the depositor (only in case of illiterate applicant)
Depositor is Illiterate Blind Staff S T A F F P F Risk Category:* High Medium Low

Details of one or two identification marks, if any, such as a mole or scar (mandatory for illiterate applicant)
In person verification carried out and Signature/LTI of the applicant verified by:

Official Name: R O L L N O Designation

Date: d d m m y y y y SS No Signature
 ACCOUNT OPENING FORM FOR INDIVIDUAL (PART -II) Date: D D M M Y Y Y Y
(SAVING BANK, CURRENT ACCOUNT AND TERM DEPOSITS)
Fields marked asterix (*) are mandatory.Please fill up in BLOCK letters only and use black ink for signature
(For office use only)
First Applicant Customer ID
Bank/Branch to affix rubber stamp of
name and code no.
Second Applicant Customer ID

Account No.

I/We request you to open my/our deposit account with your branch/bank as under: (Tick (√) relevant type of account)
1 Type of Account
SAVINGS BANK ACCOUNT BSBDA BSBDA SMALL ACCOUNT CURRENT ACCOUNT FIXED DEPOSIT/RD CAPS GAIN(SB)

2 Mode of Operation
Self Either or Survivor Former or Survivor Any one or Survivor Jointly Operated Other____________
3 Services Required
1 ATM-CUM-DEBIT CARD Name as would appear on the card
1st Applicant Yes No
2nd Applicant Yes No
(Mobile no. is mandatory for services 2 to 8)
2. CHEQUE BOOK YES NO 4. SMS ALERTS(Charges Applicable) YES NO
(Only for Regular SB/Current Accounts/Caps Gain(SB) ) SMS Alerts on Registered Mobile Number
(Not available for Regular BSBD/Small Accounts)
3. INTERNET BANKING REQUIRED: 5. PHONE BANKING SERVICES: YES NO

Transaction rights required 6. MOBILE BANKING : YES NO

1st Applicant YES NO 7. PASSBOOK REQUIRED : YES NO

2nd Applicant YES NO (For Savings Bank Account)

(Available only for singly operated accounts and joint accounts 8. e-Statement(at monthly intervals), in lieu of paper copy: Required Not Required
operated by Either or Survivor mode.In case of accounts operated as
Former or Survivor mode INB facility is available to1st applicant only)

4 Fixed Deposit : For the following products/facilities, please furnish options/details:

TERM DEPOSIT TERM DEPOSIT(REINVESTMENT) ANNUITY DEPOSIT TAX SAVING SCHEME CAPS GAIN(TDR)
Amount: Rs. ……………………………… Rs. (in words)……………………………………………………………………………………. Name of Depositor(s),Amount and Period
Initials of Cash
of Deposit authenticated by Cash Officer
Officer
Period:……. ………….. year(s) …………….. month(s) …………… days in case of Illiterate Depositor

In case of Term Deposit, interest payable#: Monthly Quarterly Calender Quarter Half Yearly Yearly

Maturity instruction@ Auto renew* principal & payback interest Auto renew* principal & interest Pay principal & interest Auto Renew* with part amount for Rs…………
* (Auto Renewal will be done for the similar term at the prevailing interest rate on the date of renewal.)

Payment instruction (Maturity Proceeds/Residual amount):

By credit to my Bank Account No. Issue Banker's Chq / Draft

5 LIQUID/FLEXI DEPOSITS
Type of Deposit Term Deposit Term Deposit (Reinvestment)
I/We hereby give consent for debiting my/our account for recovering service charges as normally applicable to Savings Bank and Current Account.
I/We hereby give consent for debiting my/ our Savings Bank/ Current Account for creating/AUTO SWEEP as per the Terms and Conditions.

Linked Saving Bank/Current Account No.

Under reverse sweep facility for breaking the Liquid Deposit, the Deposit to be broken by:* Last in first out

6 RECURRING DEPOSIT

Monthly / Core Monthly installment: Rs. Rs. (In words) Period: Years: Month(s)

Standing instruction (if any) Debit Account No.

On Maturity, credit proceeds to Account No.

Issue Banker's Chq /Draft Issue STDR for a period of _____________

For the above Term Deposit Account, please deduct applicable TDS from (SB/CA Account No.)
7 Nomination (If required fill Form DA-1)

FORM DA-1 (Nomination Form)

Details of Nomination: Registration No.

Nomination under section 45ZA of the Banking Regulation Act, 1949 and Rules 1985 in respect of Bank Deposits.
I/We ……………………………………………… nominate the following person to whom in the event of my/minor's death the amount of this deposit, particulars of which are given
below, may be returned by the
theIndian
IndianOverseas
OverseasBank ……………………………………………………………………………………………....(Name
Bank,……………………………………………………………………………………………………………..(name &address
and addressofofthe
theBranch
branch/ Office
/officeininwhich
whichthe
thedeposit
depositis is held.)
held)
I/We want the name of the nominee to be printed on the passbook
Details of Deposit
Type of Deposit: ……………………………………………………………………………………. Account Number:
Details of Nominee
Name:
Mobile Number of the Nominee
Relationship with the depositor……………………….. Age………Years Date of Birth of nominee(in case of minor) d d m m y y y y

As the nominee is a minor on this date,I appoint Shri/Smt/Kum………………………………………………………………………………………………………… Age Years

Address…………………………………………………………………………………………………………………. to receive the amount of deposit on behalf of the nominee in the event of my/minor's death during
the minority of the nominee

(Signature of the Applicants/Thumb impression of the Applicants) (Signature of the Applicants/Thumb impression of the Applicants)

Signature of the first witness Signature of the second witness

Name: ………………………………………………………. Signature: ………………………………… Name:………………………………………………………. Signature : …………………………………………
Address ……………………………………………………….. Address………………………………………………………..
………………………………………………………… …………………………………………………………

(Witnesess are required only in case of applicant is illiterate and if affixing thumb impression) Date d d m m y y y y Place ……………………….

I/We do not want to nominate any person in this account

(Signature of the Applicants/Thumb impression of the Applicants) (Signature of the Applicants/Thumb impression of the Applicants)

8 DECLARATION CUM UNDERTAKING CUM SELF–CERTIFICATION

1.I/We have read the copy of Terms and Conditions of the Account Opening given to me/us. The Terms and Conditions have been explained to me/us and
having understood, I/we accept the same.
2.(In case of Minor Accounts)
I hereby declare that date of birth of the minor who is my ………………………. is ……………………………and I am his/her natural and lawful guardian/guardian appointed by court
order dated…………………………..(copy enclosed) I shall represent the said minor in all future transactions of any description in the above account until the said minor attains
majority. I indemnify the bank against the claim of the above minor for any withdrawal/transactions made by me in his/her account).
3. (Applicable in case of Term Deposit Accounts- (Strike out if not required))
I/We undertake that in case of term deposits with operating instructions "Either or Survivor", or "Former or Survivor" in line with the operating instructions of the
application-cum-deposit slip,premature termination/payment will be allowed to the survivor in event of the death of the either of the depositors or former as the case
may be on submission of the death certificate of the deceased depositors along with application without obtaining consent of the legal heirs of the deceased depositors.
4 I hereby declare that I do not maintain a Basic Savings Bank Deposit Account (BSBDA) with any other Bank/Branch (Applicable in case of BSBD Account)
Place:

Date:
(Signature of the Applicants/Thumb impression of the Applicants) (Signature of the Applicants/Thumb impression of the Applicants)

FOR OFFICE USE/ATTESTATION

(for office use only) Queue No Initials

Open Account Account

Date: d d m m y y y y (Authorised signatory) (Branch Manager) CIF Linking

Roll No. Roll No.
i) Internet Banking (INB) Kit No:………………………………………………………….. initials Personalised Cheque
ii) INB Viewing rights Transaction rights given on: d d m y y y y initials RINB

iii) ATM Card data transmitted on: d d m m y y y y initials MBS

iv) Nomination Serial No: initials SMS Alert

v) Threshold (KYC) limit: initials Removal of Posting

vi) Phone Banking: initials Scanning

 TERMS AND CONDITIONS FOR OPENING OF SB ACCOUNTS
1. I affirm and declare that I have read over and understood the rules and regulations of the “Bank” and those relating to various services offered by the Bank including but not
limiting to debit card/internet banking/SMS banking/Tele-Banking/Mobile Banking/Virtual Banking and any other facilities. I agree to abide by the same as amended/modified from time to time by
the Bank/Regulator/Government published through circulars, notifications, notice board/websites/newspaper publications, etc. I waive the rights, if any, to have personal notice in respect of such
amendments/modifications.I agree that the transactions and requests executed in my account(s)through internet, mobile, tele- banking or virtual banking under my User ID and password/PIN/OTP
will be legally binding on me & I am responsible for the maintenance of secrecy and confidentiality of the authentication credentials and any other information/details/OTP/PIN, etc., in such matters.
I agree that Bank has got all the rights to debit my account for any service charge, expenses or other dues which the Bank is entitled/ liable to recover from me.
I hereby undertake to inform the Bank on any change in my communication address or constitution.

2. In respect of accounts opened on the basis of Aadhaar details, I hereby declare that I have submitted the Aadhaar Card issued by UIDAI voluntarily for identification and /or address proof
towards the compliance of KYC norms under the PMLA, 2002 and I hereby consent that the Bank may verify the same with the UIDAI and authorise the UIDAI expressly to release the
identity and address through biometric authentication to theBank. I wish to seed this account with NPCI mapper to enable me to receive Direct BenefitTransfer (DBT) including
LPG subsidy from Govt of India (GOI) in this account. I understand that if more than one benefit transfer is due to me, I will receive all the benefit transfer in this account.

3. I confirm and declare that I am not prevented/prohibited/restricted by any applicable legal/regulatory/contractual or other provisions from opening and/or maintaining the accounts or to
transact with the Bank in any other way.

4. I agree that my personal KYC details may be shared with Central KYC registry or any other competent authority. I hereby consent to receive information from the Bank/Central KYC Registry/
GoI/RBI or any other authority through SMS/e-mail on my registered mobile number/ e-mail address. I also agree that the non-receipt of any such SMS/e-mail shall not make the Bank liable for
any loss or damage whatsoever in nature.

5. I hereby certify that I have declared my status as per the rules applicable under section 285BA of the Income Tax Act, 1961 as notified by Central Board of Direct Taxes (CBDT) vide
Notification No. S.O. 2155(E) dated 7 August 2015 and RBI Circular Ref No. DBR.AML.BC.No.36/ 14.01.001/2015-16 dated 28 August 2015 in the matter including any subsequent
modification/amendment thereof.

6. I understand, acknowledge and authorize that as per the provisions of Income Tax Act, Rules made thereunder and the guidelines issued by the Government/RBI in the matter,depending upon
the residential status and/or other criteria stipulated therein, the Bank may have to report the details in respect of my account(s) as per the prescribed format to the Central Board of Direct Taxes
(CBDT)or other Government Agencies to comply with the obligations as per the Inter- Governmental Agreements (IGA) in respect of Foreign Accounts Tax Compliance Act (FATCA)
and Common Reporting Standards (CRS) and / or any other similar arrangements.

7. I certify & declare that the information provided by me for opening account and availing other services herein or through website/electronically as applicable to me signed/authenticated
by me as well as in the documentary evidence provided by me for opening account and availing other services are, to the best of my knowledge and belief, true, correct and complete and
that I have not withheld any material information that may affect the assessment/categorization of my account as a U.S. Reportable Account or Other Reportable Account or otherwise. In case any of
the information or details provided by me is found to be false or untrue or misleading or misrepresenting, I am aware that I may be held liable for it.

8. I undertake the responsibility to declare and disclose immediately and in no case beyond 30 days from the date of change, any changes that may take place in the information provided herein/or
otherwise, as well as in the documentary evidence provided by me or if any certification becomes incorrect or undergoes a change. I further undertake to provide fresh and valid self–certification along
with documentary evidence as and when so required;nevertheless all declaration and undertaking given herein will also be applicable to all such modified/amended document/information provided by
me unless revised self–certification as above is provided to the Bank.

9. I also agree that my failure to disclose any material fact/information known to me now or in future or my failure to remedy any deficiency in documents/information/other details within the
stipulated period, may invalidate me from transacting in the account and the Bank would be within its right to put restrictions in the operations of my account or to close it or to report to any regulator
and/or any authority designated by the Government of India(GoI)/RBI for the said purpose or take any other action as may be deemed appropriate by the Bank under the guidelines issued by CBDT/
RBI/GoI from time to time.

10. I also agree to furnish and intimate to the Bank any other particulars that are called upon me to provide on account of any change in law either in India or abroad in the above matter or otherwise.

11. I shall indemnify the Bank from any loss/damage that may be caused to the Bank on account of any defect/mistake in the details provided herein or on account of providing incorrect or incomplete
information by me.

12. I undertake to submit data/information together with fresh KYC documents for updation of KYC details at periodical intervals as may be required by the Bank.

13. I understand that the account will be activated and debits will be allowed only after completion of Customer Due Diligence relating to KYC by the Bank.

14. In case the account is opened without PAN, I undertake to submit PAN on or before such date as may be notified by the Government of India, failing which the account shall cease to be operational
till the time PAN is submitted, as per Prevention of Money -Laundering (Maintenance of Records ) Rules 2005.

15. In case, deemed OVDs are submitted for Current Address at the time of Account opening, I undertake to submit Aadhaar or any of the OVD having Current Address within 3 months from the
date of account opening, failing which I understand that my account may cease to be operational as per GOI guidelines at the material time.

16. I have received the Welcome Kit containing INB Kit and ATM card/cheque book and understand that in case of any misuse/misplacement of the contents of the Kit, the Bank will not be liable
for any loss/damage.

17. I hereby certify that the Savings Bank Account would be used by me to route transactions of only non-business/non-commercial nature.In the event of occurrence of such transactions
or any such transactions that may be construed as commercial/business/dubious or undesirable, the Bank reserves the right to unilaterally freeze operations in such accounts and /or close the account.

18. I have been advised of Average Monthly Balance(AMB) requirement for the account to be opened and given to understand that these requirements are subject to revision/changes and such revision/
changes will be uploaded in the Bank's site which will be acceptable to me as a notice to that effect.

19. I confirm that the product features of BSBD account have been explained to me(applicable to BSBD account applicant)

20. I acknowledge receipt of rules and regulations of Savings Bank Account.

21. I have been advised that if I do not provide my mobile number, I will not be eligible for any facility of electronic transactions other than ATM cash withdrawals.

22. (Applicable for accounts opened for credit of Social Welfare Benefits)
I understand that this account will be opened under BSBD category. I also understand that in case, I do not wish to continue in this BSBD account, and switch over to Regular Savings Bank
account, I will have to maintain the Average Monthly Balance(AMB) applicable for Regular Savings Bank Account .I therefore undertake to maintain AMB in the account if I switch over to
Regular Savings Bank Account from BSBD.

23. In case of any overdraft is created by wrong credits/in Teller/ATMs, we shall make good the same with interest as applicable.

24. I hereby declare that the details furnished above are true and correct to the best of my knowledge and belief and I undertake to inform you of any changes therein, immediately in case any of the above
information is found to be false or untrue or misleading or misrepresenting. I am aware that I may be held liable for it.

25 I/We confirm that the product features of account have been explained to me
ACKNOWLEDGEMENT DA-1
We acknowledge receipt of nomination made by you in favour of: Date:
Name of the Nominee................................................................................................................................Age:.................... Years:..................... Yours faithfully
With respect to your Account Number ......................................................................................
Registration No. Signature of Bank Official with Seal

SAVINGS BANK RULES (ABRIDGED)

Know Your Customer Guidelines
Any person fulfilling account opening requirements may, upon agreeing to comply with the prescribed rules, open a Savings Bank Account, provided she/he furnishes proof of identity and proof
of address as required by the Bank.
Nomination & Survivorship Facility
The nomination facility is available on Savings Bank Accounts and the account holders are advised to avail of this facility for smooth settlement of claim by legal heirs in unforeseen circumstances.
Nomination can be made in favour of only one nominee. In case they do not wish to make a nomination, the fact should be recorded on the account opening form under their full signature. Joint
account with survivorship benefit can be operated by the survivor, in such circumstances.
Types of Accounts, Balance Stipulation & Service Charges
The applicants can open an account either with chequebook facility or without chequebook. The current monthly average balances prescribed for SB accounts and the charges prescribed for non
maintenance of minimum balance, are available at the Banks website and Contact Centre. The information can also be obtained from Branches. There is no ceiling on maximum balance in
Savings Bank account.
Minors Accounts
Minors who can adhere to uniform signature and are not less than ten years old can open accounts in their single name .
Minors may open joint accounts with their guardians.
How To Open An Account?
In ordinary course, applicant(s)should attend the Bank personally for completion of formalities for opening the account. They will duly fill in and sign the prescribed application form.Applicant(s)
should submit KYC documents, declaration as applicable for RBI/CBDT and two copies of his/her/ their recently taken passport size photographs.
Account holders signatures must be legible and well formed. Signatures should not be in capital or block letters. Each account will be given a distinctive account number. While dealing with
the Bank,this number should be invariably quoted by the account holder(s). The account holders, in their self-interest, are expected to adhere to uniform signature as per specimen recorded with
the Bank while operating the accounts and addressing any correspondence to the Bank.
Pass Book
The pass book and cheque book supplied to the account holder should be kept in a safe place. The Bank will not be responsible for any loss or incorrect payment attributable to the account holders
neglect in this regard. For withdrawing cash by means of a withdrawal form, the pass book must be presented. Withdrawals using cheque forms and Debit card can be effected
without pass book. Deposits may be made without production of the pass book. Pass book should be got updated regularly. The pass book will be returned to the account holder
immediately after completion of the transaction duly updated. In case it is not collected within a weeks time, it will be returned to them by Registered A.D. post/ Courier at their cost.
The account holders should carefully examine the entries in their pass books and draw the Banks attention to errors or omissions, if any.
Duplicate in lieu of the lost or mutilated pass book may be issued on receipt of a written request from the account holder after necessary enquiries, completion of formalities and recovery of
prescribed charges. The current charges prescribed for this are available at the Banks website and Contact Centre. This information can also be obtained from Branches.
Cheque Book
The Bank will issue the first cheque book after completion of all formalities with regard to opening of the account. Bank shall issue Cheque Book subject to recovery of charges as applicable.
The current charges prescribed for this are available at the Banks website and Contact Centre.This information can also be obtained from Branches.
The account holders must use only the cheques from the cheque books issued to them by the Bank. The Bank reserves the right to refuse payment of any cheques
drawn otherwise. Ordinarily, Bank will not issue more than one cheque book at a time or before exhausting all or nearly all cheque leaves issued previously. Cheques must be written
legibly. Stop payment instructions in respect of cheques issued or lost can be registered with the Bank on payment of a prescribed service charge. The current charges prescribed for
this are available at the Banks website. This information can also be obtained from Branches.

General
Savings Bank account is essentially a facility to build up savings and hence must not be used as a Current Account. Bank may close an account should it have any reason to believe that the account
holder has used her/his account for a purpose for which it is not allowed.
Deposits
. No restrictions on cash deposit at Non Home branch. Cheques,
drafts or other instruments drawn only in favour of the account holder will be accepted for credit of the account. Third party instruments endorsed in favour of the account holder will NOT be
accepted. No drawings against accepted instruments will be normally permitted until these are realized. In satisfactorily conducted accounts, immediate credit will be afforded for outstation
/ local instruments upto the value laid down from time to time. The normal collection and out of pocket charges will be recovered. The current limit and charges prescribed for this
are available at the Banks website and Contact Centre. This information can also be obtained from Branches. Overdue interest will be recovered for instruments subsequently returned
unpaid.
Withdrawals
The account holder can withdraw money personally from her/his ordinary Savings Bank Account by using Banks standard withdrawal form. The pass book must accompany the withdrawal form.
The withdrawal form can be used only for receiving payments by the accountholder himself/ herself. ATM cum Debit card can also be used in ATMs for cash withdrawal.
All withdrawals must be in round Rupees only. Third party payments through withdrawal forms are permitted upto Rs.10000/- only. A letter of authority as per the
prescribed format, along with the pass book should be sent to the Bank through an authorized representative to receive payment in case the account holder is unable to attend personally to withdraw
cash from her/his account.
Charges prescribed for exceeding this limit are available at the Banks website and Contact Centre.
This information can also be obtained from Branches. Cash withdrawal can be made from the accounts of the sick, old or incapacitated account holders who are unable to attend the
Bank and/or also not able to put their signature or thumb impression for withdrawing cash by completing the laid down formalities.
Overdrafts
Overdrafts in Savings Bank accounts may be permitted under exceptional circumstances with prior arrangements only. Cheques drawn in excess of the balance in the account will be returned
unpaid. Service charge will be recovered each time a cheque is returned unpaid for want of sufficient funds. Charges prescribed for this are available at the Banks website and
Contact Centre This information can also be obtained from Branches.
Inoperative Accounts
Account holders are advised to operate their accounts regularly. Accounts not operated are classified as Inoperative after the stipulated time period of 24 months since last operation. The current
prescribed charges in this regard are available at the Banks website and Contact Centre. This information can also be obtained from Branches.
Standing Instructions
The account holder can request the Bank for effecting periodical payment of insurance premium, membership fees, etc. by debit to her/ his account on payment of service charges. The current
prescribed charges for Standing Instruction are available at the Banks website. This information can also be obtained from Branches.
Payment of Interest
As per RBI guidelines applicable from time to time. Interest will be calculated on a daily product basis. Interest will be credited to the account at quarterly intervals. Interest will be paid only if it
works out to Re 1/-or more. There after fifty paise and more will be rounded off to the next higher rupee and anything less will be ignored. In case of accounts frozen by the enforcement authorities,
Bank shall continue to credit the interest to the account on a regular basis.
Transfer & Closure Of Account
Accounts may be transferred between branches of the Bank at the request of the account holder(s). Request for closure of account should state the reason for closure. The pass book must accompany
such request. Joint accounts can be closed only at the request of all such joint signatories. Service charge at prescribed rate will be recovered if an account is closed after 14 days upto one year of its
opening. The current charges prescribed for this are available at the Bank’s website. This information can also be obtained from Branches.

Change in Rules
The Bank reserves the right to alter, delete or add to any of these Rules and service charges for which the customer will be duly notified through Bank's website and/or branch notice
board.
Features of BSBD account. i. The deposit of cash at bank branch as well as ATMs/CDMs, Issue of Cheque Books
ii. Receipt / credit of money through any electronic channel or by means of deposit / collection of cheques drawn by Central / State Government agencies and departments.
iii. No limit on number and value of deposits that can be made in month. iv. Maximum 4 withdrawals including ATM withdrawals v. ATM Card or ATM-cum-Debit Card