1.   1. The Aadhaar Number where, (E-KYC shall mandatorily be done)
   
   
   1.     i. he/she is desirous of receiving any benefit or subsidy under any scheme, notified under Section 7 of the Aadhaar act 2016. Declaration as per Annexure III of this Policy shall be taken.
   2. ii. He/she decides to submit his/her Aadhaar number voluntarily to the Bank. Declaration as per Annexure III of this Policy shall be taken;

      or

      1.       a. The proof of possession of Aadhaar number where offline verification can be carried out;

      or

      2.       b. The proof of possession of Aadhaar number where offline verification cannot be carried out or any OVD such as the passport, the driving license, the Voter’s Identity Card issued by Election Commission of India, job card issued by NREGA duly signed by an officer of the State Government and the letter issued by the National Population Register or the equivalent e-document thereof containing details of name and address;

and

2.   2. Permanent Account Number (PAN) or the equivalent e-document thereof or Form No. 60,

and

3.   3. Such other documents pertaining to the nature of business or financial status of the customer or the equivalent e-documents thereof as may be required by the Bank

and

4.   4. One recent photograph.

Provided where Customer submits his/her proof of possession of Aadhaar number containing Aadhaar number, Branches shall ensure that such customer to redact or blackout his/her Aadhaar number through appropriate means where the authentication of Aadhaar number is not required. Branches must mask the first 8 digit of the Aadhaar number while storing the physical copy of the Aadhaar card or e-Aadhaar.

Further, in such a case, if customer wants to provide a current address, different from the address as per the identity information available in the Central Identities Data Repository, he/she may give a self-declaration to that effect to the Bank.

Deemed OVDs or the equivalent e-documents thereof for limited purpose of address:-

1.   i. Utility bill which is not more than two months old of any service provider (electricity, telephone, postpaid mobile phone, piped gas , water bill);
2.   ii. Property or Municipal Tax Receipt;
3.   iii. Pension or Family pension payment orders (PPOs) issued to retired employees by Government Departments or Public sector undertakings, if they contain the address;
4.   iv. 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

Provided that the customer shall submit updated OVD with current address within a period of three months of submitting the above documents.

As mentioned above for individuals for each of the joint individuals.

• Recent Passport size photograph

For Identity of the concern, its activities, address.

For identity of the proprietor and his addresses (For creation of Proprietor’s Customer ID which is to be attached to the Proprietary Concern’s Account)

Apart from Customer Identification Procedure as applicable to the proprietor any two of the following documents in the name of the proprietary concern would suffice.

1.   i. Registration Certificate (in the case of a registered concern)
2.   ii. Certificate / License issued by the Municipal Authorities under Shop & Establishment Act,
3.   iii. Sales Tax and Income Tax Returns
4.   iv. CST/VAT/GST Certificate (provisional / final)
5.   v. Certificate/ Registration document issued by Sale Tax/ Service Tax/ Professional Tax authorities/GST.
6.   vi. IEC (Importer Exporter Code) issued to the proprietary concern by the office of DGFT/ License/Certificate of practice issued in the name of the proprietary concern by any professional body incorporated under a statute.
7.   vii. License (Certificate of Practice) issued in the name of proprietary concern by any professional body incorporated under a statute -
   •   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, etc.
   • or any other professional body incorporated under a statue
8.   viii. 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.
9.   ix. Utility bills such as electricity, water, and landline telephone bills not older than two months.

In cases where the branches are satisfied that it is not possible to furnish two such documents, they would have the discretion to accept only one of those documents as activity proof. In such cases, the branches, however, would have to undertake contact point verification, collect such information as would be required to establish the existence of such firm, confirm, clarify and satisfy itself that the business activity has been verified from the address of the proprietary concern.

10.   x. Identity and Address proof of individual as mentioned above in respect of the person authorized/holding an attorney to transact on its behalf. It is implied that proof of address also follows from the above documents only.
11.   xi. Recent passport size Photographs of the proprietor

For Identity of the HUF, its activities, address and authority for opening and operation of its account(s) For identity of the Karta and major co-parceners of the HUF who are authorized to operate the account(s) and their addresses.

Prescribed Joint Hindu Family Letter signed by all the major Co-parceners. Declaration form from the Karta.

1.   i. Identity & Address proof of individual as mentioned above of the Karta and each of the major co-parceners as applicable to individuals.
2.   ii. Recent Passport size Photographs of Karta & all major co-parceners.

For Identity of the Firm, its activities, address and authority delegated for opening and operation of its account(s).
For identity of the each partners (For creation of Partner’s Customer ID which is to be attached to the Partnership Firm’s Account)

For Partnership Firm following documents or equivalent e-documents thereof shall be obtained:-

1.   i. Registration Certificate; and
2.   ii. Partnership Deed; and
3.   iii. Permanent Account Number (PAN) of the Partnership Firm; and

For Identification of the Firm’s Partners/Power of Attorney Holder, beneficial owner, managers, officers or employees and their Address, documents shall be obtained as specified for individuals herein above.

For identity of the Company / Corporation, its activities, address and authority delegated for opening and operation of its account(s).
For identity of the directors/ officials of the company/corporation who are authorized to operate the account and their addresses.

For Companies / Corporations following documents or equivalent e-documents thereof shall be obtained:-

1.   i. Certificate of Incorporation; and
2.   ii. Memorandum and Articles of Association; and
3.   iii. Permanent Account Number (PAN) of the Company/Corporations; and
4.   iv. Current list of directors with their bio-data & a Resolution from the Board of Directors and Power of Attorney granted to its managers, officers or employees, as the case may be, to transact on its behalf; and
5.   v. One copy of documents as specified for individuals containing details of identity and address, One recent Photograph and Permanent Account Number (PAN) or Form No. 60 or equivalent e-documents thereof in respect of beneficial owner, managers, officers or employees, as the case may be, holding an attorney to transact on its behalf.

For Identity of the Trust, its activities, address and authority delegated for opening and operation of its account(s).
For identity of the trustees who are authorized to operate the accounts of the Trust and their addresses.

For Trusts following documents or equivalent e-documents thereof shall be obtained:-

1.   i. Registration Certificate; and
2.   ii. Trust Deed; and
3.   iii. Permanent Account Number or Form No. 60 of the Trust; and
4.   iv. One copy of documents as specified for individuals containing details of identity and address, one recent photograph and Permanent Account Number or Form No. 60 or equivalent e-documents of the beneficial owner, managers, officers, employees or person holding an attorney to transact on its behalf.

For Identity of the applicant, its activities, address and authority delegated for opening and operation of its account(s).

Local Bodies like village Panchayats /Government Departments / Societies / Universities etc.,

1.   i. Notification/Resolution/Letter of Permission for opening and delegation of authority to operate the account.
2.   ii. Documents showing name of the person authorized to act on behalf of the entity.
3.   iii. Documents as specified for individuals, for identity and address and Permanent Account Number or Form No. 60 or equivalent e-documents of in respect of the person holding a power of attorney to transact on its behalf and
4.   iv. Recent Passport size photograph of all such authorized officials.

For Identity of the applicant, its activities, address and authority delegated for opening and operation of its account(s).

Information as may be required by the bank to collectively establish the legal existence of such an association or body of individuals and following documents or equivalent e-documents thereof shall be obtained:-

1.   i. Resolution of the managing body of such association or body of individuals; and
2.   ii. Permanent Account Number (PAN) or Form No. 60 of the Unincorporated Association or a Body of Individuals; and
3.   iii. Power of Attorney granted to person to transact on its behalf; and
4.   iv. One copy of identity and address, one recent photograph and Permanent Account Numbers (PAN) or Form No. 60 or equivalent e-documents thereof, as specified for individuals, of the beneficial owner, managers, officers, employees or person holding an attorney to transact on its behalf.

Explanation: Unregistered trusts/partnership firms shall be included under the term ‘unincorporated association’ or ‘a body of individual includes Societies.