List of KYC Documents acceptable for opening

List of 'Officially Valid Documents' for Account Opening
These 'Officially Valid Documents' must be obtained from the customers to verify the
identity and address of the customers. It must be noted that only the documents
mentioned in this list would be accepted by the branches while opening of any
new account. Branches would not have the discretion to accept any other
document for this purpose.
for
'Officially Valid Documents'
for proof of address
1. Passport
Note:
2. Driving license with photo
In case of Passport / Driving 3.PermanentAccount Number (PAN)
should card
License, branch
ensurethat it is valid.
4. Voter's Identity Card issued by
ElectionCommissionof India,
5. Job card issued by NREGA duly
signed by an officer of the State
Government.
6. The letter issued by the Unigue
Identification Authority of India
containing
details
of
name,
address and Aadhaar number.
7. any document as notified by the
Central Government in
consultation with the regulator.
1. Passport
2. Driving license with photo
3. Voter's Identity Card issued by
ElectionCommissionof India,
4. Job card issued by NREGA
duly signed by an officer of
the State Government.
5. The letter issued by the
Unlgue Identification Authority
of India containing details of
name, address and Aadhaar
number.
6. any document as notified by
the Central Government in
consultation with the
regulator.
'Officially Valid
Identity Proof
Type of Account holder
Documents'
Accounts of Individuals
General:
{CO(!y of latest two (!ass(!ort size {CO(!yof anyone of the above
(!hotogra(!hs and CO(!yof anyone documents to be obtained.}
of the above documents to be
obtained}
Sim(!lified measures
'Low Risk' Customers:
for
In the case of 'Low risk' 1. Identity card with applicant's
customers (for ex: Salaried Photograph issued by Central/
account, Individual other State Government Departments,
than
high
net worth, Statutory/ Regulatory Authorities,
Sector
Undertakings,
Individual in low income Public
Scheduled
Commercial
Banks,
group with low turnover,
and
Public
Financial
Institutions;
Govt. employee etc.)
2. letter issued by a gazetted
officer, with a duly attested
photograph of the person;
Page 1 of4
1.
Identity
card
with
applicant's Photograph issued
by Central/ State Government
Departments,
Statutory/
Regulatory Authorities, Public
Sector
Undertakings,
Scheduled Commercial Banks,
and
Public
Financial
Institutions;
2. letter issued by a gazetted
officer, with a duly attested
photoaraph of the person;
identity proof (any
one ID document from the above
mentioned list) of each joint account
holder is required to be obtained.
1. Independent address proof
(anyone
address
proof
document
from
the
above
mentioned list) of each joint
account holder is required to be
obtained.
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.
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.
For Joint Account Holders 1. Independent
who are not closely related to
each other
In
case
Students
of
Foreign
Accounts of Companies
·Name of the Company
-Names of all Directors and
their addresses.
Authorized
-Names
of
and
their
signatories
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.
=A".c",c",07u!..!nt
..s'--7.'"""-,0~f,--_-,S~0~I~e
Proprietary firms.
.Legal name.
-Address.
-Names of the proprietor and
his addresses.
-Telephone numbers of the
firm and proprietor.
-Email address of the Firm
and Proprietor / Authorized
Signatory to the account.
(All following documents to be (All following documents to be
obtained)
obtained)
1. Certificate of Incorporation
2. Memorandum
& Articles
of
Association.
3. Resolution of the Board of
Directors and Power of Attorney
granted to its managers, officers or
employees to transact on its behalf
4. An officially valid document in
respect of managers, officers or
employees holding an attorney to
transact on its behalf.
1. Certificate of Incorporation
2. Memorandum & Articles of
Association.
3. Resolution of the Board of
Directors and Power of Attorney
granted to its managers, officers
or employees to transact on its
behalf
4. An officially valid document in
respect of managers, officers or
employees holding an attorney
to transact on its behalf.
(Any two
of the following (Any two of the following
documents to be obtained)
documents to be obtained)
1. Proof of the name, address and
activity
of
the
concern,
like
registration certificate (in case of
registered concern),
2. certificate of / license issued by
the municipal authorities under Shop
& Establishment Act,
3. sales and income tax returns,
4. CST / VAT certificate, certificate /
registration
document
issued
by
Sales
Tax
/
Service
Tax
/
Professional Tax authorities.
5. License issued by the Registering
authority like certificate of Practice
issued
by
Indian
Institute
of
Chartered
Accountants
of India,
Institute of Cost Accountants of India,
Institute of Companv Secretaries of
Page 20f4
1. Proof of the name, address
and activity of the concern, like
registration certificate (in case of
registered concern),
2. certificate of / license issued
by the municipal
authorities
under Shop & Establishment Act,
3. sales and income tax returns,
4.
CST
/ VAT
certificate,
certificate
/
registration
document issued by Sales Tax /
Service Tax / Professional Tax
authorities.
5.
License
issued
by the
Registering
authority
like
certificate of Practice issued by
Indian Institute of Chartered
Accountants of India, Institute of
Accountants
of
India,
India, Indian Medical Council, Food Cost
and Drug Control Authorities, etc. Institute of Company Secretaries
Registration / licensing document of India, Indian Medical Council,
Food
and
Drug
Control
issued in the name of proprietary
Authorities,
etc.
Registration
/
concern by the Central Government
licensing
document
issued
in
the
or State Government
Authority /
Department, IEC (Importer Exporter name of proprietary concern by
Code) issued to the proprietary the Central Government or State
Authority
/
concern by the office of DG FT as an Government
Department,
IEC
(Importer
Identity document.
6. The complete Income Tax return Exporter Code) issued to the
(not just the acknowledgement)
in proprietary concern by the office
DGFT
as
an
Identity
the name of Sole Proprietor where of
the Firm's income is reflected, duly document.
Authenticated/ Acknowledged by the 6. The complete Income Tax
return
(not
just
the
Income Tax Authorities.
acknowledgement)
in
the
name
7. Utility bills such as electricity,
water, and landline telephone bills in of Sole Proprietor where the
the name of the proprietary concern Firm's income is reflected, duly
as required documents for opening of Authenticated/ Acknowledged by
bank
accounts
of
proprietary the Income Tax Authorities.
7. Utility bills such as electricity,
concerns.
water, and land line telephone
bills in the
name
of the
proprietary concern as required
documents for opening of bank
accounts
of
proprietary
concerns.
AND
Any Officially valid document (as
given
above
for
Accounts
of
individuals) identifying proprietor with
his/her photograph.
Accounts of
firms.
AND
1. Any Officially valid document
(as given above for individual
accounts) for address proof of
Proprietor.
Partnership (All following documents to be (All following documents to be
obtained)
obtained)
-Legal name.
-Address.
-Names of all partners and
their addresses.
-Telephone numbers of the
firm and partners.
-Email address of the Firm
and its Partners / Authorized
Siqnatories to the account.
Accounts of Trusts &
1. Registration certificate,
1. Registration certificate,
2. Partnership deed and.
2. Partnership deed and.
3. An Officially valid document in
respect of the person holding an
Attorney to transact on its behalf.
3. An Officially valid document in
respect of the person holding an
Attorney to transact on its behalf.
Foundations.
(All following documents to be (All following documents to be
obtained)
obtained)
-Legal name
-Names of trustees, settlers
beneficiaries and siqnatories.
1. Registration Certificate
2. Trust Deed; and
3. An Officiallv valid document
Page 30f4
in
1. Registration Certificate
2. Trust Deed; and
3. Any Officially valid document
-Names and addresses of
the founder, the managers/
the
and
directors
beneficiaries.
-Telephone/Fax Numbers.
-Email address of the Trust
and its Trustees / Authorized
Siqnatories to the account.
respect of the person holding
Attorney to transact on its behalf.
an
(as given above for Accounts of
individuals) for address Proof of
Trustees, settlers, beneficiaries
and persons holding Power of
Founders/Managers
Attorney,
Directors/Signatories.
Societll
Accounts
of
Associations L Clubs.
All following
obtained)
to
be
(All following documents to be
obtained)
1. Resolution of the Managing body
-Legal name.
or body of
-Names and addresses of of such association
individuals;
elected office bearers.
2. Power of Attorney granted to him
-Telephone Numbers.
to
transact on its behalf;
the
of
address
-Email
3.
An Officially valid document in
Society/Association/Club and
bearers
Office
its
/ respect of the person holding an
Authorized Signatories to the Attorney to transact on its behalf; and
4. Such information as may be
account.
required by the bank to collectively
establish the legal existence of such
of
associations
or
body
an
individuals.
1. Resolution of the Managing
body of such association or body
of individuals;
2. Power of Attorney granted to
him to transact on its behalf;
3. Any Officially valid document
(as given above for Accounts of
individuals) for address (lroof of
Office bearers / Signatories and
persons holding Power of
Attorney, if any.
4. Such information as may be
bank
to
the
required
by
establish
the
legal
collectively
an
existence
of
such
of
associations
or
body
individuals.
Accounts
of
Undivided Familll
(All following documents to be
obtained)
L
Hindu
(All following
obtained)
documents
documents
to
1. Declaration from the Karta.
2. Any Officially valid document
above
given
for
Accounts
individuals) to identify Karta.
3. HUF Letter signed by all the
adult co-partners
Non- Resident Individuals
be
(as
of
1. Any Officially valid document
(as given above for Accounts of
individuals) for address (lroof of
Karta.
(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.
Page 40f4

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