Document For Opening Accounts | |….खाता खोलने के लिए दस्तावेज….| |
- Aadhar card issued by Unique Identification Authority of India (UIDAI)
- Voter ID Card
- Aadhar letter card issued by Unique Identification Authority of India (UIDAI)
- Pension Payment Order / Passbook / Card issued by State / Central Govt of india
- Senior Citizen Card issued by State / Central Goverment
- Defence Dependent Card or Discharge Book issued by Cantonment Board or Ex-Servicemen Card issued by zilla Sainik Board
- Domicile Certificate with Communication Address, DOB/Age & Photograph issued by District Collector/ Deputy Commissioner/ District Magistrate or equal rank officer
- Photo ID Card issued by Central / State Government Departments, Central or State Govt Undertaking defence, Public Sector Undertaking, Public Sector Banks , Reserve Bank of India , Securities and Exchange Board of India ,EXIM bank (Card issued to permanent employees)
- Driving Licence
- job card issued by NREGA duly signed by an officer of the State Government
- Utility Bills (Electricity Bill /Gas connection / Telephone bill ) not older than three , months.
- consumer gas connection card / passbook along with receipt for gas supply not older than three months.
- Certificate from the post office confirming address of application, either on letter head or under office seal and signed by post Master / Asst Post Master
- Registered Leave and Licence agreements along with utility bill not older than three monthes in the name of the landlord
- Property Tax bill along with receipt should not be more than calender one year old form the bill issuance date./Water Tax bill along with receipt ( not older than six months )
Know your customer (KYC) is the process used by a business to verify the identity of their clients. Know your Customer the tern is also used to refer to the bank regulation which governs these activities . The objective of KYC guidelines is to prevent bank from being used, intentionally or unintentionally, by criminal element for money laundering activities. Related procedures also enable banks to better understanding their customer and their financial dealings. This helps them manage their risks prudently..!
Bank Branch ATM : A branch of main bank is a retail location where a bank, credit union, or other financial institution (and by extension, brokerage firms) Bank branch ATM offers a wide array of face-to-face and automated service to its customers.
BANK MITRA WITH MICRO ATM :-
A Bank Mitra acts like an agent in facilitating bank and banking related service , especially in unbanked areas of the country. they help in areas where there is no ATMs and branches of banks. A Bank Mitra Provides numerous services to the unbanked people of India . They first take a look at potential customers and help them in opening account by verifying identity and collecting all relevant documents. They may provide a range of service as decided by the bank form time to time . A bank Mitra is an important individual in the bank and can help bridge the void, between the banked and the unbanked people in India..!
MICRO-ATM:- Micro-ATM’s are biometric authentication enabled hand – held device . in order to make the ATM’s viable at rural/semi-urban centers, low cost Micro-ATM’s would be deployed at each of the Bank mitra location. This would enable a person to instantly deposit or withdraw funds regardless of the bank associated with a particular Bank Mitra / Business Correspondent..
Point of Sale : – The point of sale (POS) is the time and place where a retail Transaction is completed. It is the point at which a customer makes a payment to the merchant in exchange for goods or after provision of a service . At the point of sale , the merchant would prepare an invoice for the customer (which may be a cash register printout)or otherwise calculate the amount awed by the customer an provide options for the customer and provide option for the customer to make payment . After receiving payment, the merchant will also normally issue a receipt for the transaction .. Usually receipt is printed, but it is increasingly being dispensed electronically…!
- Internet Banking
- (National Electronic Fund Transfer [NEFT], Real Time Gross Settlement [RTGS] )
To access a financial institution’s online banking facility, a customer with internet access would need to register with the institution for the service, and set up a password and other credentials for customer verification .. the credential for online banking is normally not the same as for telephone banking. Financial institutions Now routinely allocate customer number whether or not customer have indicated an intention to access their online banking facility Customer’s numbers are normally not the same as account numbers because a number of customer accounts can be linked to the one customer number .. the customer number can be linked to any account that the customer controls , such s cheque, saving, loan , credit card and other account…
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