Check balance rules
Ask about minimum balance and any charge for not maintaining it.
Banking services
Bank Account
Choose a bank account for saving, salary, daily payments, or business use.
Before you start
Bank Account KYC and Document Guide
Check the account type, KYC, minimum balance, charges, and services before opening an account.
Important before you apply
Key points to consider for Bank Account
Check these points carefully before choosing an option or starting your application.
Check digital banking
Review mobile banking, UPI, debit card, cheque, and branch services.
Read all charges
Check cash, ATM, card, SMS, cheque, and account service fees.
14 eligibility points
Eligibility Criteria
See the basic conditions normally checked before you can apply.
Eligibility / Criteria
Individual savings account - market baseline
- Resident individual under the bank's product policy.
- Adult digital savings journeys generally require age 18+.
- Minor accounts are possible under separate minor/guardian rules and should not be mixed with the normal adult journey.
- Valid KYC / customer due diligence.
- PAN or Form 60 as permitted.
- Valid mobile number; email is commonly requested.
- Bank/product must be available in the customer's geography.
- Digital/video-KYC products can impose extra conditions such as:
- customer physically present in India,
- mobile in customer's possession,
- Aadhaar registered mobile for OTP-based Aadhaar journey,
- "new to bank" status for some instant/video-KYC accounts.
- BSBDA / basic savings products have separate RBI conditions and can be opened with valid KYC; no minimum balance is required for BSBDA.
44 document points
Document Requirements
Check which clear and valid documents you should keep ready.
Documents - Individual Savings Account
Generally collect
- Completed account-opening application / digital application.
- PAN card / PAN details OR Form 60 where accepted.
- One Officially Valid Document (OVD) for identity/address, such as:
- Passport
- Driving Licence
- Voter ID
- Proof of possession of Aadhaar number, subject to applicable consent/rules
- NREGA job card signed by State Government officer
- National Population Register letter containing name/address
- Recent photograph / live photo / selfie as applicable.
- Signature / digital signature capture.
- Mobile number.
- Email address where available.
- Nominee details or nomination/opt-out process as permitted by the bank/product.
- FATCA/CRS and tax-residency declarations where applicable.
Conditional Documents
If current address differs from the OVD
- Current-address supporting document accepted under RBI/bank rules, such as recent utility bill, property/municipal tax receipt, pension order, or employer accommodation documents, followed by updated OVD within the prescribed period where applicable.
For NRI / foreign national
- Passport
- Visa / OCI / PIO documents as applicable
- Overseas and Indian address proof
- Tax residency/FATCA declarations
- NRE/NRO-specific documentation
- Immigration/residency documents where requested
If "Bank Account" Means Current / Business Account
Also keep entity-specific slots
Proprietorship
- Proprietor PAN/KYC
- Business proof such as GST/Udyam/Shop & Establishment/trade licence/other accepted proof
- Business address proof
Partnership / LLP
- Firm/LLP PAN
- Partnership deed / LLP agreement
- Registration/incorporation document
- KYC of partners/designated partners/beneficial owners
- Authorisation to operate account
Company
- Certificate of Incorporation
- Company PAN
- Memorandum & Articles
- Board resolution
- Director/authorised-signatory KYC
- Beneficial ownership declaration
- Registered-office proof
Simple steps
Open a bank account in three steps
Follow these three simple steps.
Choose account type
Select savings, salary, basic, or current account as needed.
Complete KYC
Provide valid identity, address, PAN or Form 60, and contact details.
Activate the account
Complete bank verification and securely set up account access.
Reference Basis
These public sources were checked for this guide. Rules can change, so open the source for the latest official information.