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List of KYC documents required for opening of accounts

Types of Customers

Accounts of INDIVIDUALS

Accounts of Proprietorship concerns
Proof of the name, address and activity of the concern
Accounts of Partnership firms
Legal name
Address
Names of all partners and their addresses
Telephone numbers of the firm and partners
Accounts of trusts/clubs/Societies/ Associations/ foundations
Names of trustees,settlers, beneficiaries and signatories
Name and address of the founder, the managers/directors and beneficiaries
Telephone/Fax Numbers
Accounts of Companies
Name of company
Principal place o business
Mailing address of the company
Telephone/Fax Number
Accounts of Hindu Undivided Family
Description of Documents

IDENTITY DOCUMENT

Any of the following documents with authenticated photograph thereon. [Copy to be verified from the original will be kept on record]

Passport
PAN card
Voter’s Identity Card
Driving licence
Job card issued by NREGA duly signed by an officer of the State Government
The letter issued by UIDAI containing details of name, address and Aadhaar number
Photo Identity card issued by Public authorities (subject to the bank’s satisfaction)
Letter from a recognized public authority or public servant verifying the identity and residence of the customer to the satisfaction of bank.
Married woman identity proof with maiden name, if supported with a verified true copy of marriage certificate
Credit card with photo together with statement of such card, not more than three months old.
Registered Property document with photo identity
Arms License issued by State / Central Government of India.
Freedom fighter’s pass issued by Ministry of Home Affairs, Government of India with photograph of applicant.
Employee State Insurance Card (ESIC) with photograph supported by latest month’s pay slip..
[For Small Accounts] Talati / Patwari (a local govt. official) attestation by way of putting rubber stamp and signature. Gram Sarpanch / Mukhiya attestation by way of putting rubber stamp and signature
CURRENT ADDRESS

Any of the following latest documents: [Copy verified from the original will be kept on record]

Ration Card
Electricity Bill #
Telephone Bill #
Bank account statement#
Letter from employer (to the satisfaction of the Bank)
Letter from any recognized public authority (to the satisfaction of the Bank)
Credit Card Statement #
Income/Wealth Tax Assessment Order
Letter from Public Sector employer
Letter from any recognized public authority having proper and verifiable record of issuance of such certificates.
Voter ID Card (only if it contains the current address)
Pension Payment Orders issued to retired employees by Government Departments/Public Sector Undertakings, if they contain current address.
Copies of Registered Lease & License agreement/Sale Deed/Lease Agreement.
For students residing with relatives, address proof of relatives, along with their identity proof, can also be accepted provided declaration is given by the relative that the student is related to him/her and is staying with him/her.
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. This facility is extended only to the Gazetted officers of Central/State Government and Senior Management and above functionaries of Public Sector Undertakings.
Latest telephone bills from any telephone service providers and mobile service providers not more than 2 month old, postpaid.
Consumer gas connection card/book/Pipe gas bill
Post Office Savings Pass Book
A Rent Agreement indicating the address of the customer duly registered with State Government or similar registration authority may also be accepted as a proof of address.
The letter issued by UIDAI containing details of name, address and Aadhaar number. In case the address provided by the account is the same as that of Aadhaar letter, it may be accepted as a proof of both identity and address.

#Not more than 3 months old.

In addition to KYC documents of the Proprietor, any two of the following in the name of the firm:

Registration Certificate (in the case of registered concern);
Certificate/licence issued by the Municipal authorities under Shop & Establishment Act;
Sales and Income Tax Returns
CST/VAT Certificate
Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax authorities
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 & Drug Control Authorities, registration/licensing document issued in the name of the proprietary concern by the Central Government or State Government Authority/Department, etc.
IEC (Importer Exporter Code) issued to the proprietary concern by the office of DGFT, etc., as an identity document for opening of the Bank account etc.
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.

Utility bills such as electricity, water and landline telephone bills in the name of the proprietary concern.

In addition to KYC documents of all partners/authorized persons of the concern, the following documents be obtained:

Registration Certificate, if registered.
Partnership Deed.
Power of Attorney granted to a partner or an employee of the firm to transact the business on its behalf.
Any officially valid documents identifying the partners and the persons holding the Power of Attorney and their addresses.
Telephone bill in the names of the firm/ partners.
PAN Allotment letter/GIR No./Form 60/61.
Names & Address of the Partners/Authorised Signatories and Recent Passport Photographs duly self attested.

In addition to KYC documents of the Managing Trustees/Founders/Managers/ Directors and their addresses, sthe following documents of Trust/ Club/ Society/Association are to be obtained:

Certificate of Registration, if registered
Trust Deed
Copy of Bye Laws
Resolution of the Managing Body of Trust/Club/Society/Association/Foundation
Power of Attorney to transact business on its behalf.
Any officially valid documents identifying the trustees, settlors, beneficiaries and those persons holding the Power of Attorney, founders/ managers/directors and their addresses and their addresses.
Telephone Bill in the name of the Trust/Club/Society/Association
PAN allotment letter/GIR No./Form 60/61
Names & Addresses of the Trustees/Managing Committee Members/Authorised signatories
Recent Passport Photographs of Managing Trustees/Members/Directors duly self attested.

In addition to KYC documents of the Directors of the company, the following documents should be obtained

Certificate of Incorporation
Certificate of Commencement of Business (in case of Public Ltd Co.)
Memorandum & Articles of Association duly certified by a Director/Secretary as true copy.
A copy of the latest Audited Balance Sheet & Profit and Loss Account in case of Public Ltd. Company.
Duly certified Resolution passed by its Board of Directors to open an account and identification of those who have authority to open and operate the account.
Power of Attorney granted to its Manager/s, officer/s or employees to transact business on its behalf.
Copy of PAN/Allotment Letter
Copy of Telephone Bill

In addition to KYC documents of Karta and Major Co-parceners, the following documents should be obtained:

Declaration of HUF and its Karta
Telephone Bill in the name of the HUF.
Recent Passport Photographs duly self attested by Karta and major co-parceners.
PAN Allotment letter/GIR No./ Form60/61.
Names and addresses of Karta and Major Co-parceners.

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