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Form DA-1 (Nominat ion Form)

Nomination under section 45ZA of the Banking Regulation Act, 1949 and Rule 2(1) of the Banking Companies (Nomination) Rules, 1985 in respect of bank deposits
I/ We

VINYAS BV

Nomination Serial No.

nominate the following person to whom in the event of my/our/minor's death the amount of the deposit, particulars whereof are given below, may be returned
by State Bank of India,

(Name and address of branch/ office in which the deposit is held)


Det ails of Deposit s
Type of deposit:

SB

Account number

Additional details, if any:


Det ails of t he Nominee
Name:

SWATHI R VINYAS

Relationship with the depositor:

WIFE

Age:

24

Date of birth of nominee:

12/05/1992

Address: #307, 1B CROSS, NGEF EAST, KASTURI NAGAR

City: BANGALORE

PIN: 560016

State: KARNATAKA

CIF No. of Nominee (to be filled byLCPC):


As the nominee is a minor on this date, I/We appoint Shri/Smt./

age:

years

Address:

to receive the amount of the deposit on behalf of the nominee in the event of my / our / minor's death during the minority of the nominee.

Date:

Please Sign in black ink only.


Signature(s) / Thumb impressions(s) of depositor(s)

Place: BANGALORE

Signature(s) / Thumb impressions(s) of 1st witness **

Signature(s) / Thumb impressions(s) of 1st witness **

Name:

Name:

Address:

Address:

* Where deposit is made in the name of a minor, the nomination should be signed by a person lawfully entitled to act on entitled to act on behalf of the minor.

** Thumb impression(s) shall be attested by two persons.

Page No. 1 of 8

Branch Teller: in CBS, go to - Customer Management -> Create Personal Customer (to
create new CIF) / Amend -> Customer Details (to issue Welcome Kit, put the printed a/c
Account Opening Form: Part -I
number here and transmit); Input TCRN in "Reference No." field and click "Get Details" To b e s ep arately filled b y eac h ap p lic ant (new
c us to mers o nly)

TCRN : AC23785503
Date:

(For office use only) CIF No.

Branch to affix rubber stamp of


name and code no.

Account No.

Sole/First Applicant
1. Please fill up in BLOCK letters only and use black ink for signature. Please leave one box blank between two words. Tick () the appropriate boxes.
2. Fields marked asterix (*) are not mandatory
3. Please affix a passport size photograph in the box provided. Also enclose another photograph for affixing in the pass book
4. For opening account of minors, where proof of identity/address is not available, the same will be provided by Father/Mother and Natural Guardian
5. In case of illiterate customers, Left Thumb Impression (LTI) to be affixed and verified.
Personal Det ails
Cust omer Type:

Public

Staff

Yes

Senior Cit izen:

Name:

Mr

Ms

Mrs

Mr

Ms

Mrs

Yes

Minor:

PF No.

Other

VINYAS BV
Name of Fat her/ Husband/
Guardian:

Other

VASANTH KUMAR K
Dat e of Birt h:

09/03/1987

Gender:
Female

Mot her's Maiden Name:

BHARATHI CN

Marit al St at us:

Nat ionalit y:

Male

INDIAN
Married

Unmarried

Others

Unique Identification Number

UID:
Correspondence Address (Current Resident ial/Office)
#307, 1B CROSS, NGEF EAST BDA LAYOUT,
KASTURI NAGAR
Landmark/ Street: NEAR VIJINAPURA UNPDERASS
District: BANGALORE URBAN

Sub District:

City: BANGALORE

PIN: 560016

Telephone no.

State: KARNATAKA
Mobile no. will be used for sending SMS alerts

Mobile no. 9739799933

Email Address:
Permanent Address
Same as Correspondence Address
#307, 1B CROSS, NGEF EAST BDA LAYOUT,
KASTURI NAGAR
Landmark/ Street: NEAR VIJINAPURA UNPDERASS
District: BANGALORE URBAN

Sub District:

City: BANGALORE

PIN: 560016

Telephone no.
Fax no.
Addit ional Det ails (wherever applicable)
Mont hly Income:
INR 50,001 to 1,00,000

State: KARNATAKA

Asset s (approximat e value):

*Religion:

Hindu

Muslim

*Cat egory:

General

OBC

Educat ional
Qualificat ion:

Non-Graduate

Graduate

Occupat ion Type:

Salaried

Self-employed

Employer Name: MAGNA INFOTECH LTD


I.T. PAN:

OR Form 60/61

100000

Christian

Sikh
SC

Business

PostGraduate
Retired

Others
ST
Others
Student

Others

Engineering/Architect/Technical/Consultant

*Designat ion/Profession: IT ANALYST


AHWPV0277D

If PAN is not available please fill-up form 60/61

Nat ure of Business: INFORMATION TECHNOLOGY

Page No. 2 of 8

TCRN : AC23785503
Ident ificat ion Det ails
Election ID card where the address on the Election ID card is the same as the Correspondence Address mentioned on the first page of this form.
No.: UZJ6553366

Issued at/by: ELECTION COMMISSION OF INDIA

Issue Date

07-Apr-2015
OR
Any one document from each of the undernoted two columns for a photo-identity and proof of address (Please tick the appropriate box and give details below):
Proof of ident it y
Proof of address (of Correspondence Address)
A) Passport
A) Credit Card Statement (not more than 3 months old)
B) Voter ID Card
B) Salary Slip
C) PAN Card
C) Income/ Wealth Tax Assessment Order
D) Government/ Defence ID Card
D) Electricity Bill (not more than 6 months old)
E) ID Card of Reputed Employer
E) Telephone Bill (not more than 3 months old)
Please attach
F) Driving License
F) Bank Account Statement
one selfG) Pension Payment Order*
G) Letter from Reputed Employer
attested
H) Photo ID Card Issued by Post Office
H) Letter from Public Authority*
photocopy of
I) Photo ID Card Issued by University*
I) Ration Card
Identity proof
J) Photo ID Card Issued by Public Authority*
J) Voter ID Card (only if it contains the current address)
and Address
K) Aadhaar Letter / Card
K) Pension Payment Order*
proof each.
L) NREGA Card
L) Lease Deed/Sale Deed*
Originals
M) Proof of Residence Issued by University*
thereof will
N) Address Proof of Relatives (for students)*
have to be
O) Address Proof of Close Relatives*
produced for
P) Address Proof of Gazetted/ Senior PSU Officers*
verification
No.:

No.:

Issued at /by:

Issued at /by:

Issue dat e:

Issue dat e:

* Refer to the Savings Bank rules


Int roduct ion Det ails
I

having CIF no.

I am an holder of account number

confirm that

of State Bank of India for the past

and personally know the applicant(s) for more than

months

months and confirm his/her/their identity and address

as stated above.

Required for small


account only. Not
required if complete
KYC requirements are
fulfilled

Date
Signature of the Introducer

Sign verified by (Sign, SS No. & stamp)

With State Bank of India agreeing to open my Small Deposit account under liberalized KYC norms specified by RBI, I undertake to submit the
required KYC documents as and when the balance or total annual transaction in my account exceed the stipulated limits in this regard. In the
event of non compliance the Bank is within its rights to stop operations in account after advance notification as per RBI instructions

Signature of the Applicant


Det ails of Ot her Account s in our Bank
Please give the details of your other accounts in our Bank
Branch

KATHRIGUPPE

#mandatory

Type of Account/Facility(ies)

SB

Account number/CIF

20101407332

Date
Please Sign
in black ink
only.

Place
BANGALORE

Signature/ Thumb impressions of depositor

FOR OFFICE USE


Details of one or two identification marks, if any, such as a mole or scar (mandatory for illiterate applicant)
Verifying Officer/Open CIF

Generat ed CIF

Signature:

Name:

SS No.:

(Authorised signatory)

Designation:

Date:

Date:

SS No.:

Page No. 3 of 8

Account Opening Form: Part -II

Branc h to affix rub b er


s tamp o f name and
c o d e no .

Date:

(Fo r o ffic e us e o nly) Ac c o unt No .

T ype of Account
Recurring Deposit
Wit h Cheque Book and Debit Card

T erm Deposit

Wit h Cheque Book and wit hout Debit Card

Special T erm Deposit

wit hout Cheque Book and Wit h Debit Card

Mult i O pt ion Deposit Scheme linked wit h

Wit hout Cheque Book and Wit hout Debit Card

Saving s Bank

Pleas e tic k the


typ e o f ac c o unt to
b e o p ened . To
kno w mo re ab o ut
vario us s c hemes
p leas e c o ntac t
Bank o ffic ials .

Current Ac c o unt

O t hers (p leas e s p ec ify)


Det ails of Applicant (s)
CIF no . (to b e filled
in b y b ranc h/LCPC):

Sole/First Holder Name:


VINYAS BV

CIF no . (to b e filled


in b y b ranc h/LCPC):

Second Holder Name:

Services Required
1 . AT M- CUM- DEBIT CARD:
Ap p lic ant no .

(fo r Internatio nal c ard and its variants , s ep arate ap p lic atio n is to b e s ub mitted )
Card Typ e

1s t

Do mes tic

G o ld Internatio nal

2nd

Do mes tic

G o ld Internatio nal

Name as wo uld ap p ear o n the c ard

2. Please ment ion any ot her account (s) desired t o be linked:


Ac c o unt Typ e
Ac c o unt Numb er
Name
Viewing right s

3. INT ERNET BANKING :

1s t

Full T ransact ion right s :

2nd

1s t

3. MO BILE BANKING :

Mo b ile Banking Servic e to b e enab led o n this no . 9 739 79 9 9 33

4 . SMS ALERT S:

SMS Alert s at mobile number as ment ioned in Part - I:

5. CHEQ UE BO O K:

T ype of Cheque Book:

6 . ST AT EMENT FREQ UENCY:


(fo r c urrent ac c o unt)
7 .T ELEBANKING KIT :

Mo nthly

Q uarterly

O rd inary

Multic ity*

Req uired
Bo th

No t req uired

* Charg es ap p lic ab le fo r Multic ity c heq ues

Half-yearly

e- St at ement t o be sent t o e- mail id as ment ioned in Part - I:


Yes

2nd

Req uired

No t req uired

no

Mode of O perat ion


Self o nly

Either o r Survivo r

Fo rmer o r Survivo r

Any o ne o r Survivo r

Jo intly

O ther

Specimen Signat ure(s)


DECLARAT IO N:

Pas te a p as s p o rt s iz e p ho to g rap h ins id e


this b o x
1s t Ap p lic ant

I/we affirm and d ec lare that I/we have read o ver


and und ers to o d the p res ent rules and
reg ulatio ns o f the Bank, and tho s e relating to
vario us s ervic es o ffered b y the Bank inc lud ing
b ut no t limiting to Deb it Card /Internet Banking /
SMS Banking / Tele-b anking and o ther fac ilities .
I/We ag ree to ab id e b y the s ame as they are in
fo rc e no w and als o b y tho s e as wo uld b e
amend ed further fro m time to time thro ug h
Circ ulars /No tic e Bo ard s /Web s ites etc . I/We
ag ree that the trans ac tio ns & req ues t exec uted in
ab o ve mentio ned ac c o unt thro ug h internet,
mo b ile & teleb anking und er my/o ur Us er ID and
Pas s wo rd will b e leg ally b ind ing o n me/us & I/we
are res p o ns ib le fo r maintenanc e o f s ec rec y and
c o nfid entiality o f the info rmatio n p as s ed o n to
me/us b y the Bank thro ug h internet/mo b ile/email/telep ho ne. I/We mand ate fro m o ther jo int
ho ld ers to view/enq uire/o p erate the jo int ac c o unt
mentio ned ab o ve. Further, I/we ag ree that Bank
has g o t all the rig hts to d eb it my/o ur ac c o unt fo r
any s ervic e c harg e o r d is c o ntinue my/o ur
ac c o unt witho ut any no tic e to me/us . I/We hereb y
und ertake to info rm the Bank o n any c hang e in
my/o ur c o mmunic atio n ad d res s o r c o ns titutio n,
and I/we s hall s ub mit the ad d res s p ro o f in c as e
o f trans fer o f o ur ac c o unt fro m o ne Branc h to
o ther Branc h. I/We hereb y d ec lare that I/We have
s ub mitted the Aad haar Card is s ued b y UIDAI fo r
id entific atio n and /o r ad d res s p ro o f to ward s the
c o mp lianc e o f KYC no rms und er the PMLA,
20 0 2. I/We hereb y ag ree that the Bank may verify
the s ame with the UIDAI, and autho riz e the UIDAI
exp res s ly to releas e the id entity and ad d res s
thro ug h b io metric authentic atio n to the Bank.
(ap p lic ab le o nly where ac c o unts are o p ened
with Aad haar).

Pas te a p as s p o rt s iz e p ho to g rap h ins id e


this b o x
2nd Ap p lic ant

Sig nature(s ) / Thumb imp res s io ns (s ) So le/Firs t Ho ld er

Sig nature, SS No and name o f verifying o ffic er

Sig nature(s ) / Thumb imp res s io ns (s ) Sec o nd Ho ld er

Sig nature, SS No and name o f verifying o ffic er

Pleas e
Sig n in
b lac k
ink
o nly.

Page No. 4 of 8

1 . T ERM DEPO SIT

/ SPECIAL T ERM DEPO SIT

Amo unt: Rs .

(in wo rd s )
Perio d :
mo nth(s )

d ays . In c as e o f Term Dep o s it, interes t p ayab le:

Mo nthly

Mat urit y inst ruct ion:

year(s )

Q uarterly

Payment inst ruct ion (Maturity Pro c eed s /Res id ual)

Auto renew* p rinc ip al

By c red it to my b ank ac c o unt no .

Auto renew fo r p erio d :

Auto renew* p rinc ip al & interes t

year(s )

mo nth(s )

d ay(s )

Auto renew* Rs .

By Bankers Cheq ue / Demand Draft

Pay p rinc ip al & interes t

Pay p rinc ip al

* Renewal will b e d o ne at the then p revailing interes t rate


2 . MULT I- O PT IO N DEPO SIT SCHEME
I/We hereb y g ive c o ns ent fo r d eb iting my/ o ur ac c o unt fo r rec o vering s ervic e c harg es as no rmally ap p lic ab le to Saving s Bank and Current Ac c o unt.
Linked Saving Bank/Current Ac c o unt No .
3. RECURRING DEPO SIT
Mo nthly ins tallment: Rs .

Perio d :

year(s )

mo nth(s )

Deb it ac c o unt no .

Stand ing ins truc tio n (if any)


O n Maturity, c red it p ro c eed s to ac c o unt
no .

4 . SAVING S PLUS
/ PREMIUM SAVING S ACCO UNT
Auto -s weep fac ility links Saving s /Current Ac c o unt with Term Dep o s it Ac c o unt. Yo ur Saving s Plus /Premium Saving s Ac c o unt b alanc e ab o ve a thres ho ld
value, fo r a minimum amo unt o f Rs .10 ,0 0 0 and in multip le o f Rs .10 0 0 in any o ne ins tanc e, is trans ferred to a Multi O p tio n Dep o s it (MO D) and earns
interes t as ap p lic ab le to the MO D.
T hreshold Amount * :Rs .
Sweep t ime:

d ay (examp le Mo nd ay, Tues d ay) o f every week (o nly fo r Saving s Plus Ac c o unt)

O R (examp le 1s t,2nd ) o f every mo nth b eg inning


Und er revers e s weep fac ility fo r b reaking the MO D, the MO D to b e b ro ken b y:

Las t in firs t o ut

Minimum b alanc e req uired :


Saving s Plus Ac c o unt: Rs . 50 0 0
Premium Saving s Ac c o unt: Rs . 250 0 0

Firs t in firs t o ut

5. NO - FRILLS ACCO UNT


I d ec lare that my p res ent g ro s s mo nthly inc o me is no t mo re than Rs .5,0 0 0 . I s hall info rm yo u whenever it exc eed s Rs .5,0 0 0 . I und ers tand that if the
value o f my b us ines s c o nnec tio n, inc lud ing o ther liab ility p ro d uc ts like Rec urring Dep o s it o r Term Dep o s it,exc eed Rs .10 ,0 0 0 /-,this ac c o unt will c eas e
to b e a ' No -frills ' ac c o unt. The ac c o unt will then b e treated as a no rmal Saving s Bank ac c o unt, g o verned b y the terms and c o nd itio ns ap p lic ab le to
s uc h ac c o unts . I s hall ab id e b y the ' Kno w Yo ur Cus to mer' no rms as s tip ulated fro m time to time.
6 . FO R JO INT ACCO UNT S WIT H 'EIT HER O R SURVIVO R' O R 'ANYO NE O R SURVIVO R' MO DE O F O PERAT IO N
We have to ad vis e that State Bank o f Ind ia may p ay to anyo ne o f us , any d ay either b efo re o r o n d ue d ate, o n o r after d ue d ate and where no d ue d ate is
fixed , o n d emand , the p rinc ip al alo ng with interes t. Payment to any o ne o f us is d is c harg e to the Bank fro m all o f us , until yo u rec eive a no tic e c o ntrary
to it fro m b o th/ all o f us . In c as e o f d eath o f any o ne, amo unt is to b e p aid to the s urvivo r(s ).
I/We have read and und ers to o d the rules and reg ulatio ns o f the p ro d uc t(s )/ s ervic e(s ) o p ted fo r and ag ree to ab id e b y the terms and c o nd itio ns
relating to the c o nd uc t thereo f as als o any c hang es b ro ug ht ab o ut therein fro m time to time.A c o p y o f the Saving s Bank rules and reg ulatio ns has
b een mad e availab le to me b y the mo d e o f a tear o ff. Further,I/we und ers tand that I/we have the o p tio n to o p erate this ac c o unt thro ug h my mo b ile
hand s et us ing MPIN as p er Terms and Co nd itio ns d is p layed o n Bank' s web s ite www.s b i.c o .in. Further,I/we have read and und ers to o d the p ro vis io ns
c o ntained in the " Terms o f Servic e d o c ument" o f " O nlineSBI" o n the Bank' s web s ite www.s b i.c o .in and ac c ep t them.I/we ag ree that the trans ac tio n
exec uted o ver " O nlineSBI" und er my Us ername and Pas s wo rd will b e b ind ing . The Bank is entitled to amend the " Terms o f Servic e d o c ument" o f
" O nlineSBI" fro m time to time.
Pleas e Sig n in
b lac k ink o nly.
Sig nature o f 1s t Ap p lic ant
Sig nature o f 2nd Ap p lic ant
Nominat ion
No minatio n, if req uired fill Fo rm DA-1 o n p ag e no . 2, o therwis e s ig n b elo w
I/We d o no t want to no minate any p ers o n in this ac c o unt
Pleas e Sig n in
b lac k ink o nly.
FO R O FFICE USE
Certified that the imp lic atio ns and c o nd itio ns fo r the o p eratio n o f the ac c o unt have b een exp lained to the d ep o s ito r (o nly in c as e o f illiterate ap p lic ant)
O pen account :

Account number generat ed:


(Autho ris ed s ig nato ry)

Date:

i) Internet Banking (INB) Kit No . :


ii) INB Viewing
g iven o n :

Trans ac tio n

Date:

Initials
rig hts

Initials

iii) Mo b ile Banking MPIN g iven o n

Initials

iv) ATM Card d ata trans mitted o n

Initials

v) No minatio n s erial no .:

Initials

vi) Thres ho ld (KYC) limit: Rs .

Initials

(Autho ris ed s ig nato ry)

vii) Ac c o unt s o urc ed b y Bus ines s Co rres p o nd ent/ Bus ines s Fac ilitato r
- Yes / No
If yes , Name/ Des ig natio n:

Co d e no . o f BC/BF

Initials

viii) Ac c o unt trans ferred / Ho me


b ranc h c hang ed o n:

Initials

ix) Ac c o unt c lo s ed o n:

Initials

Page No. 5 of 8

SAVINGS BANK RULES


To b e to rn o ff and g iven to the c us to mer

Kno w Yo ur Cust o m e r Guide line s


Any perso n fulfilling acco unt o pening requirements may, upo n agreeing to co mply with the prescribed rules, o pen a Savings Bank
Acco unt, pro vided she/he furnishes pro o f o f identity and pro o f o f address as required by the Bank. (Rule No . 1)
PROOF OF IDENT IT Y
PROOF OF ADDRESS
1. Passpo rt
1. Credit Card Statement (no t mo re than 3 mo nths o ld)
2. Vo ter ID Card
2. Salary Slip
3. PAN Card
3. Inco me/ Wealth Tax Assessment Order
4 . Go vernment/ Defence ID Card
4 . Electricity Bill (no t mo re than 6 mo nths o ld)
5. ID Card o f Reputed Emplo yer
5. Telepho ne Bill (no t mo re than 3 mo nths o ld)
6 . Driving License
6 . Bank Acco unt Statement
7. Pensio n Payment Order*
7. Letter fro m Reputed Emplo yer
8. Pho to ID Card Issued by Po st Office
8. Letter fro m Public Autho rity*
9 . Pho to ID Card Issued by University*
9 . Ratio n Card
10 . Pho to ID Card Issued by Public Autho rity*
10 . Vo ter ID Card (o nly if it co ntains the current address)
11. Pensio n Payment Order*
12. Lease Deed/Sale Deed*
13. Pro o f o f Residence Issued by University*
14 . Address Pro o f o f Relatives (fo r students)*
15. Address Pro o f o f Clo se Relatives*
16 . Address Pro o f o f Gazetted/ Senio r PSU Officers*
No m inat io n & Survivo rship Facilit y
The no minatio n facility is available o n Savings Bank Acco unts and the acco unt ho lders are advised to avail o f this facility fo r smo o th
settlement o f claim by legal heirs in unfo reseen circumstances. No minatio n can be made in favo ur o f o nly o ne no minee. In case they
do no t wish to make a no minatio n, the fact sho uld be reco rded o n the acco unt o pening fo rm under their full signature. Jo int acco unt
with survivo rship benefit can be o perated by the survivo r, in such circumstances. (Rule No s. 10 , 2)
T ype s Of Acco unt s, Balance St ipulat io n & Se rvice Charge s
The applicants can o pen an acco unt either with chequebo o k facility o r witho ut chequebo o k. The current minimum quarterly average
balances prescribed fo r these acco unt types and the charges prescribed fo r no n-maintenance o f minimum balance, are available at the
Banks website www.statebanko findia.co m. The info rmatio n can also be o btained fro m Branches. There is no ceiling o n maximum
balance in Savings Bank acco unt, except fo r Mino rs acco unt. (Rule No s. 11, 12).
Mino rs Acco unt s
Mino rs who can adhere to unifo rm signature and are no t less than ten yearso ld can o pen acco unts in their single name and maintain
therein a maximum balance o f Rs.20 0 ,0 0 0 /- (Rs. Two lacs o nly). Mino rs may o pen jo int acco unts with their guardians. (Rule No .3)
Ho w T o Ope n An Acco unt ?
In o rdinary co urse, applicant(s) sho uld attend the Bank perso nally fo r co mpletio n o f fo rmalities fo r o pening the acco unt. They will duly
fill in and sign the prescribed applicatio n fo rm. Applicant(s) sho uld submit two co pies o f his/ her/ their recently taken passpo rt size
pho to graphs. Acco unt ho lders signatures must be legible and well fo rmed. Signatures sho uld no t be in capital o r blo ck letters. Each
acco unt will be given a distinctive acco unt number. While dealing with the Bank, this number sho uld be invariably quo ted by the acco unt
ho lder(s). The acco unt ho lders, in their self-interest, are expected to adhere to unifo rm signature as per specimen reco rded with the
Bank while o perating the acco unts and addressing any co rrespo ndence to the Bank. (Rule No s. 7, 8, 9 , 13)
Pass Bo o k
The pass bo o k and cheque bo o k supplied to the acco unt ho lder sho uld be kept in a safe place. The Bank will no t be respo nsible fo r
any lo ss o r inco rrect payment attributable to the acco unt ho lders neglect in this regard.(Rule No s. 18, 29 ). Fo r withdrawing cash by
means o f a withdrawal fo rm, the pass bo o k must be presented. Withdrawals using cheque fo rms and Debit card can be effected witho ut
pass bo o k. Depo sits may be made witho ut pro ductio n o f the pass bo o k. (Rule No . 15) Pass bo o k sho uld be go t updated regularly.
The pass bo o k will be returned to the acco untho lder immediately after co mpletio no f the transactio n duly updated. In case it is no t
co llected within a weeks time, it will be returned to them by Registered A.D. po st/ Co urier at their co st. (Rule No . 16 ) The acco unt
ho lders sho uld carefully examine the entries in their pass bo o ks and draw the Banks attentio n to erro rs o r o missio ns, if any. (Rule No .
17) Duplicate in lieu o f the lo st o r mutilated pass bo o k may be issued o n receipt o f a written request fro m the acco unt ho lder after
necessary enquiries, co mpletio n o f fo rmalities and reco very o f prescribed charges. The current charges prescribed fo r this are
available at the Banks website www.statebanko findia.co m. This info rmatio n can also be o btained fro m Branches.(Rule No . 20 )
Change in Rule s
The Bank reserves the right to alter, delete o r add to any o f these Rules and service charges fo r which the custo mer will be duly no tified
thro ugh Bank's website and/ o r branch no tice bo ard.(Rule No s. 39 , 4 6 )
Che que Bo o k
The Bank will issue the first cheque bo o k after co mpletio n o f all fo rmalities with regard to o pening o f the acco unt. No charge will be
reco vered fo r issue o f twenty five cheque leaves in a year (bo th MICR and no n MICR). Thereafter, service charge will be charged to the
custo mers acco unt. The current charges prescribed fo r this are available at the Banks website www.statebanko findia.co m.This
info rmatio n can also be o btained fro m Branches. The acco unt ho lders must use o nly the cheques fro m the cheque bo o ks issued to
them by the Bank. The Bank reserves the right to refuse payment o f any cheques drawn o therwise. Ordinarily, Bank will no t issue mo re
than o ne cheque bo o k at a time o r befo re exhausting all o r nearly all cheque leaves issued previo usly.(Rule No . 27)Cheques must be
written legibly and any alteratio ns o r cuttings sho uld be authenticated under full signature which must co nfo rm to the specimen
reco rded with the Bank. (Rule No . 28) Sto p payment instructio ns in respect o f cheques issued o r lo st can be registered with the Bank
o n payment o f a prescribed service charge. The current charges prescribed fo r this are available at the Banks website This info rmatio n
can also be o btained fro m Branches. (Rule No . 32)

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OPERAT IONS IN T HE ACCOUNT


Ge ne ral
Savings Bank acco unt is essentially a facility to build up savings and hence must no t be used as a Current Acco unt. Bank may clo se an
acco unt sho uld it have any reaso n to believe that the acco unt ho lder has used her/his acco unt fo r a purpo se fo r which it is no t allo wed.
(Rule No . 5)
De po sit s
There is no restrictio n o n number o f depo sits that can be made into the acco unt. No depo sit in cash fo r less than Rs 10 /- will be
accepted. Cheques, drafts o r o ther instruments drawn o nly in favo ur o f the acco unt ho lder will be accepted fo r credit o f the acco unt.
Third party instruments endo rsed in favo ur o f the acco unt ho lder will NOT be accepted. No drawings against accepted instruments will
be no rmally permitted until these are realized. In satisfacto rily co nducted acco unts, immediate credit will be affo rded fo r o utstatio n
instruments depo sited up to Rs 20 0 0 0 /-, which may change fro m time to time. The no rmal co llectio n and o ut o f po cket charges will
be reco vered. The current limit and charges prescribed fo r this are available at the Banks website www.statebanko findia.co m. This
info rmatio n can also be o btained fro m Branches. Overdue interest will be reco vered fo r instruments subsequently returned unpaid.
(Rule No s. 21, 22, 23)
Wit hdrawals
The acco untho lder can withdraw mo ney perso nally fro m her/ his o rdinary Savings Bank Acco unt by using Banks standard withdrawal
fo rm. The pass bo o k must acco mpany the withdrawal fo rm. The withdrawal fo rm can be used o nly fo r receiving payments by the
acco untho lder himself/ herself. ATM cum Debit card can also be used in ATMs fo r cash withdrawal. The acco untho lder canno t
withdraw an amo unt less than Rs. 50 /-. All withdrawals must be in ro und Rupees o nly Third party payments thro ugh withdrawal fo rms
are no t permitted. A letter o f autho rity as per the prescribed fo rmat, alo ng with the pass bo o k sho uld be sent to the Bank thro ugh an
autho rized representative to receive payment in case the acco unt ho lder is unable to attend perso nally to withdraw cash fro m
her/his acco unt. (Rule No s. 24 , 25, 26 ) The minimum drawing permitted per cheque fo rm is limited to Rs. 50 /-. There is no ceiling o n
the maximum amo unt that can be drawn thro ugh a single cheque. (Rule No . 30 ) The maximum number o f debit entries permitted in an
acco unt is 30 per half year o r as decided by the Bank fro m time to time, excluding transactio ns thro ugh alternate channels like State
Bank ATMs and Internet Banking. Cash withdrawal at ATMs o f o ther banks will be co unted as a debit entry in the acco unt fo r the abo ve
purpo se and are no t to be treated as transactio ns made thro ugh alternate channels. Charges prescribed fo r exceeding this limit are
available at the Banks website www.statebanko findia.co m. This info rmatio n can also be o btained fro m Branches. (Rule No . 35) Cash
withdrawal can be made fro m the acco unts o f the sick, o ld o r incapacitated acco unt ho lders who are unable to attend the Bank and/o r
also no t able to put their signature o r thumb impressio n fo r withdrawing cash by co mpleting the laid do wn fo rmalities. (Rule No . 33)
Ove rdraft s
Overdrafts in Savings Bank acco unts may be permitted under exceptio nal circumstances with prio r arrangements o nly. Cheques drawn
in excess o f the balance in the acco unt will be returned unpaid. Service charge will be reco vered each time a cheque is returned unpaid
fo r want o f sufficient funds. Charges prescribed fo r this are available at the Banks website www.statebanko findia.co m This info rmatio n
can also be o btained fro m Branches. (Rule No . 31)
Ino perative Acco unts Acco unt ho lders are advised to o perate their acco unts regularly. Acco unts no t o perated are classified as
Ino perative after the stipulated time perio d o f 24 mo nths since last o peratio n. Ino perative acco unts having less than the stipulated
minimum balance will be charged a service charge at the end o f the first year after the acco unt is identified as ino perative and thereafter
every year, if the acco unt remains ino perative. If the balance in the acco unt is equal to o r less than the service charge, the acco unt will
be clo sed under advice to the acco unt ho lder. The current prescribed charges in this regard are available at the Banks website
www.statebanko findia.co m. This info rmatio n can also be o btained fro m Branches. (Rule No s. 36 , 37)
St anding Inst ruct io ns
The acco unt ho lder can request the Bank fo r effecting perio dical payment o f insurance premium, membership fees etc. by debit to her/
his acco unt o n payment o f service charges. The current prescribed charges fo r Standing Instructio n are available at the Banks website
www.statebanko findia.co m. This info rmatio n can also be o btained fro m Branches. (Rule No . 4 0 )
Paym e nt o f Int e re st
Interest at the prescribed rate will be calculated o n a daily pro duct basis and will be credited to the acco unt half yearly o n 30 th June and
31st December. Interest will be paid If it wo rks o ut to be Rs. 1/- o r mo re and will be ro unded o ff to the nearest rupee. The Payment o f
interest o n Saving Bank Acco unt is subjected to RBI directives and any change therein may be no tified thro ugh advertisement in the
newspapers,(Rule No s, 4 1,4 2)
T ransfe r & Clo sure Of Acco unt
Acco unts may be transferred between branches o f the Bank at the request o f the acco unt ho lder(s). Request fo r clo sure o f acco unt
sho uld state the reaso n fo r clo sure. The pass bo o k, unused cheque leaves and the ATM cum Debit card (after cutting into two pieces
acro ss the magnetic strip) must acco mpany such request. Jo int acco unts can be clo sed o nly at the request o f all such jo int
signato ries. Service charge at prescribed rate will be reco vered if an acco unt is clo sed prio r to twelve mo nths o f its o pening. The
current charges prescribed fo r this are available at the Banks website www.statebanko findia.co m. This info rmatio n can also be
o btained fro m Branches. (Rule No s. 4 3, 4 4 , 4 5)
De t aile d rule s available o n t he banks we bsit e www.sbi.co .in o r o n re que st at all branche s.

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