Document For Opening Accounts ||….खाता खोलने के लिए दस्तावेज….||

               Document For Opening Accounts                          | |….खाता खोलने के लिए दस्तावेज….| |

Indicative list of document which can be submitted as Address proof, Identity proof, Age proof is given below. Document for opening Account Customer has to produce the original document for verification a photocopy of each document as required for specific account.
  1. Passport
  2. Aadhar card issued by Unique Identification Authority of India (UIDAI)
  3. Voter ID Card 
  4. Aadhar letter card issued by Unique Identification Authority of India (UIDAI)
  5. Pension Payment Order / Passbook / Card issued by State / Central Govt of india
  6. Senior Citizen Card issued by State / Central Goverment
  7. Defence Dependent Card or Discharge Book issued by Cantonment Board or Ex-Servicemen Card issued by zilla  Sainik Board 
  8. Domicile Certificate with Communication Address, DOB/Age & Photograph issued by District Collector/ Deputy Commissioner/ District Magistrate or equal rank officer
  9. 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)
  10. Driving Licence
  11. job card issued by NREGA duly signed by an officer of the State Government
  12. Utility Bills (Electricity Bill /Gas connection / Telephone bill ) not older than three , months.
  13. consumer gas connection card / passbook along with receipt for gas supply not older than three months.
  14. 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 
  15. Registered Leave and Licence agreements along with utility bill not older than three monthes in the name of the landlord 
  16. 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)

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..!

Photo ID Proof  / Address Proof : –

A valid photo ID is simply that a LEGALLY ACTIVE photo ID card that includes a recent picture ( color and / or black and white ) of you ad printed current name mailing address and telephone contact number . Photo Id Proof  / Address Proof Most importantly, this “valid” photo ID also must have an ‘effective date’ that has not expired. Driver’s licenses employees ID cards, passports and virtually any other photo ID cards that well meet the criteria….Photo Id proof address proof will prove that you live at that address . Some address prrof document are Passport , Telephone Bills, Electricity Bills ETC….!

The  rupees or more specifically the Indian rupees is the official currency of the Republic of Indian . The issuance of the currency of the currency is controlled by the Reserve Bank of India.  It is named After the silver coin, rupiya, first issued by sultan Sher Shah Suri in the 16th century and later continued by the Mughal Empire..!
The modern rupees is theoretically subdivided into 100 paisa, though as of 2011 only 50 paisa coins are legal tender. Bank notes in circulation come in denominations of Rs1, Rs2, Rs5, Rs10, Rs20, Rs50, Rs100, Rs200, Rs500 and Rs1000, Rs2000,. rupee coins are available in denominations of Rs1, Rs2, Rs5, and Rs10, The Indian rupee symbol ₹₹₹₹₹₹₹  ( officially adopted in 2010 ) is derived form the Devanagari consonant ₹  (ra) Indian currency . The first series of coins with the rupees symbol was launched on 8th July 2011…!   

Banking Service Delivery Channels :-

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.

ATM is an electronic banking outlet, which allows customers to complete basics transaction without the aid of a branch representative or teller . bank branch ATM are two primary types of automated teller machines, or ATM’s 

 The Basics units allow the customer to only withdraw cash and receive a report of the account ‘s Balance. The more complex machines will accept deposits, facilitate credit card payment and report account information . to access the advanced features of the complex units, you will usually need to be  member of the bank that operates the machine. To use both above said outlet, customer must have ATM cards issued by the banks..


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..

This device will be based on a mobile phone connection and would be made available to every bank Mitra/Business Correspondent. Customers would have to get their identity authenticated and withdraw or put money . into their bank accounts . this money will come form the cash drawer of the Bank Mitra /Business  Correspondent. Micro-ATM offer one o the most promising options For providing financial service to the unbanked population..
Micro-ATM’s would have various option of authentication like biometric, PIN based etc. and it would also be used as mobile ATM’s to enable transaction near the door step of the customers…!

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…!

Banking Service Delivery Channel :- 
  Banking service delivery channel are……….

  1. Internet Banking 
  2. (National Electronic Fund Transfer [NEFT], Real Time Gross Settlement [RTGS] )

Internet Banking……………

Internet banking is an electronic payment system that enables customers of a financial institution to conduct financial transaction on a website operated by the institution , such as a retail bank, virtual bank, credit union or building society .. internet banking is also referred as online banking , e-banking
virtual banking and by other terms.

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…

Thank you to the people who gave their time on our post, thank you from the heart…………..

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