Official Banking Forms & Letters

The standard KYC form used across banks and financial institutions. Your details are stored in the Central KYC Registry so you can reuse your KYC.

Valid identity documents (officially valid documents): passport, driving licence, proof of possession of Aadhaar, voter ID, NREGA job card signed by a State officer, or letter from the National Population Register. PAN (or Form 97) is also required.

Needed for opening an account, cash deposits and certain transactions when you do not have a PAN. Replaced Form 60 from 1 April 2026.

Zero-balance basic savings account with RuPay card and accident insurance. The same government form is used at every bank.

The account opening form is available in the e-documents section of the website, in Hindi and English.

Account opening forms of public sector banks

Each bank uses its own form, but all follow a common structure: the standard KYC section, the bank's own section, Form 97 (if no PAN), a FATCA/CRS tax-residency declaration and the Nomination Form. You can also open accounts online through video KYC or Aadhaar e-KYC at most banks.

RBI allows a simple self-declaration by registered email, mobile, ATM, net banking, app or letter, without visiting the branch. RBI has not prescribed a format.

One form to make, cancel or change a nomination for bank deposits, articles in safe custody and safety lockers. Up to four nominees: for deposits either simultaneously (with percentage shares totalling 100%) or successively (in order of priority); for lockers and safe custody, successively. Banks may also allow e-nomination.

In force from 1 November 2025. The old forms DA1–DA3, SC1–SC3 and SL1–SL3A are no longer prescribed. Your bank will give you the form at the branch or allow it online.

RBI prescribes standard claim forms that every bank must provide at branches and on its website: Annex I-A for accounts with a nominee or survivor, and Annex I-B for accounts without a nominee. Locker and safe-custody claims have their own formats.

With a nominee or survivor: claim form, death certificate and ID proof of the nominee are enough. No succession certificate is needed. Banks must settle within 15 days of receiving all documents, or pay compensation. Check the compensation →

Submit to your bank at the start of the financial year if your total income is below the taxable limit, so that TDS is not deducted on interest.

TDS applies when deposit interest in a bank crosses ₹50,000 a year (₹1 lakh for senior citizens). FD & RD calculator →

One government form (Government Savings Promotion Rules, 2018) for opening accounts under schemes such as PPF, Sukanya Samriddhi Account and Senior Citizens' Savings Scheme, at banks and post offices.

After you fully repay a loan, the bank must return your original property documents and remove registered charges within 30 days, or pay ₹5,000 per day of delay (RBI/2023-24/60).

First complain to your bank. If there is no reply in 30 days, or you are not satisfied, complain free of cost within 90 days.

Email: [email protected] · Post: Centralised Receipt and Processing Centre, Reserve Bank of India, Central Vista, Sector 17, Chandigarh – 160017 (physical complaints in the format annexed to the scheme) · Helpline: 14448. Get your complaint dates and letter →

Call the national cyber crime helpline immediately. The first hour matters most for freezing the money.

Helpline: 1930. If your account is frozen after a complaint: step-by-step guide →

Search for unclaimed deposits of you or your family across many banks in one place.