Account Opening Application

Date 10-04-2024 Application PNB240410000237

Reference Number

Branch Name BACHRA

Branch Code 109000 IFSC No PUNB0109000
Application Type New Application Type Of Account Savings
Mode Of Operation Self

Customer Account Details

Customer Id Account Number
Scheme Name PNB Basic Saving Bank Deposit Account
Scheme Code SBBDA

Identity Details

PAN NO DRUPD6671J Email Id [email protected]

Mobile Number 6206123504 Aadhar No XXXXXXXX9366

eKYC Details
Name Prefix MR Name Rajeshwar Narayan Das
Date of Birth 01-01-1943 Gender Male
Permanent Address S/O Late Vansi Dash House No Address Type Permanent
69 New Nagar Bandhgari
Ranchi , Dipatoli, Bariatu,
Bariatu Ranchi, Jharkhand,
834009

Photo

Occupation Details
Occupation Type Farmer Annual Income 1,00,000 to 5,00,000 pa
Networth 1,00,000 to 5,00,000 pa Annual Turnover 500000
Expected Annual 500000
Credit in Account

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Other Personal Details
Marital Status Married Spouse Name Rikheshwari devi
Mother Name Rina devi Father Name Bansi das
Religion HINDU Category OTHERS/GENERAL
City of birth CHATRA (JHARKHAND) Education Under graduate
Customer Status OTHERS Customer Type OTHER INDIVIDUAL
Communication House 32 kumrang kala post Nationality INDIAN
Address kasiyadih, Ps tandwa chatra,
JHARKHAND, CHATRA
(JHARKHAND), 825321
Resident Status INDIAN RESIDENT

Nominee Details
Nomination Required: No

The benefits of Nomination Facility has been explained to me. However, I do not want to nominate any person
in this account.

Services Opted
State JHARKHAND District CHATRA
Branch BACHRA ATM Cum Debit Card Yes
Internet Banking Yes Mobile Banking Yes
Facility Type View & Transaction SMS Alerts Yes
E-Statement Yes Cheque Book Yes
Passbook Yes

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Consent

I wish to open Savings Account with Punjab National Bank and I authorize the Bank to open my account through Video
KYC process.
I understand that account opening through this channel is intended for Individual Account only.
I confirm that I am resident of India and above 18 years of age.
I am neither a politically exposed person nor related to politically exposed. person.
My country of Tax Residence is India and not any other country.
I amnot an existing customer of Punjab National Bank.
I do not maintain a Basic Savings Bank Deposit Account (BSBDA) with any other Bank/Branch.
I have my Aadhaar, PAN and other details as required by selected product category.

Declaration
I have read the Terms & Conditons of the Account opening. The Terms & Conditions have been understood by me and
I accept the same.
I hereby certify that I have submitted the Aadhaar Card issued by UIDAI voluntarily for identification and/or address
proof towards the compliance of KYC nrms under the PMLA 2002.
I hereby consent that the bank may verify the Aadhaar number provided by me with the UIDAI and authorise the UIDAI
expressly to release the identity and address information through biometric/OTP based authentication to the bank.
I authorize the Bank that in event of my death the amount of deposit in the account being opened through this process,
may be returned to the registered nominee by the Bank.
I hereby declare that I do not maintain a Basic Savings Bank Deposit Account (BSBDA) with any other Bank/Branch.
I hereby declare that the details provided in this application are true and correct to the best of my knowledge and belief
and I undertake to inform the Bank of any changes therein, immediatetly. In case of any of the information is found to
be false or untrue or misleading or misrepresenting. I am aware that I may be held liable for it. I agree to bound by the
terms & conditions, instructions of CKYCR, FATCA/CRS and rules of Punjab National Bank and the RBI and any
subsequent amendment.
I hereby consent that my personal KYC details may be shared with Central KYC Registry". "I hereby consent to
receiving information from Central KYC Registry through SMS/eMail on the my number/email address registered with
Bank.
I hereby undertake that OVD with current address will be submitted within a period of of three months from the date of
opening of account, failing which bank may restrict the operations in the account.
I have read the Terms & Conditions of the Account opening. The Terms & Conditions have been understood by me and
I accept the same.
I hereby declare that the details provided in this application are true and correct to the best of my knowledge and belief
and I undertake to inform the Bank of any changes therein, immediately. In case of any of the information is found to be
false or untrue or misleading or misrepresenting. I am aware that I may be held liable for it. I agree to bind by the terms
& conditions, instructions of CKYCR, FATCA/CRS and rules of Punjab National Bank and the RBI and any subsequent
amendment.
I hereby consent that my personal KYC details may be shared with Central KYC Registry. I hereby consent to receiving
information from Central KYC Registry through SMS / eMail on my number/email address registered with Bank.
I have read and accept Savings Bank Account Rules of Punjab National Bank.
I have read and accept Terms & Conditions for opening of Savings Account with Punjab National Bank.
I understand that, this account shall be opened after successful verification of Video based KYC.

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Saving Account Rules
Know Your Customer Guidelines - Any person fulfilling account opening requirements may, upon agreeing to comply
with the prescribed rules,open a Savings Bank Account, provided she/he furnishes proof of identity and proof of
address & other documents as required by the Bank.
Nomination & Survivorship Facility - The nomination facility is available on Savings Bank Accounts and the account
holders are advised to avail of this facility for smooth settlement of claim by legal heirs in unforeseen circumstances.
Nomination can be made in favour of only one nominee. In case they do not wish to make a nomination, the fact should
be recorded on the account opening form under their full signature. Joint account with survivorship benefit can be
operated by the survivor, in such circumstances.
Types of Accounts, Balance Stipulation & Service Charges - The applicants can open an account either with
chequebook facility or without chequebook. The current monthly average balances prescribed for SB accounts and the
charges prescribed for non maintenance of minimum balance, are available at the Banks website and Contact Centre.
The information can also be obtained from Branches. There is no ceiling on maximum balance in Savings Bank
account.
How To Open An Account? - In ordinary course, applicant(s)should attend the Bank personally for completion of
formalities for opening the account. They will duly fill in and sign the prescribed application form. Applicant(s) should
submit KYC documents, declaration as applicable for RBI/CBDT and two copies of his/her/ their recently taken
passport size photographs. Applicants can also apply for opening an account online. Account holders signatures must
be legible and well formed. Signatures should not be in capital or block letters. Each account will be given a distinctive
account number. While dealing with the Bank, this number should be invariably quoted by the account holder(s). The
account holders, in their self-interest, are expected to adhere to uniform signature as per specimen recorded with the
Bank while operating the accounts and addressing any correspondence to the Bank.

Pass Book - The pass book and cheque book supplied to the account holder should be kept in a safe place. The Bank
will not be responsible for any loss or incorrect payment attributable to the account holders neglect in this regard. For
withdrawing cash by means of a withdrawal form, the pass book must be presented. Withdrawals using cheque forms
and Debit card can be effected without pass book. Deposits may be made without Production of the pass book. Pass
book should be got updated regularly. The pass book will be returned to the account holder immediately after
completion of the transaction duly updated. In case it is not collected within a week’s time, it will be returned to them
by Registered A.D. post/ Courier at their cost. The account holders should carefully examine the entries in their pass
books and draw the Banks attention to errors or omissions, if any.Duplicate in lieu of the lost or mutilated pass book
may be issued on receipt of a written request from the account holder after necessary enquiries, completion of
formalities and recovery of prescribed charges. The current charges prescribed for this are available at the Banks
website and Contact Centre. This information can also be obtained from Branches.
Cheque Book - The Bank will issue the first cheque book after completion of all formalities with regard to opening of the
account. Bank shall issue Cheque Book subject to recovery of charges as applicable. The current charges prescribed
for this are available at the Banks website and Contact Centre.This information can also be obtained from
Branches.The account holders must use only the cheques from the cheque books issued to them by the Bank. The
Bank reserves the right to refuse payment of any cheques drawn otherwise. Ordinarily, Bank will not issue more than
one cheque book at a time or before exhausting all or nearly all cheque leaves issued previously. Cheques must be
written legibly. Stop payment instructions in respect of cheques issued or lost can be registered with the Bank on
payment of a prescribed service charge. The current charges prescribed for this are available at the Banks website.
This information can also be obtained from Branches.
General - Savings Bank account is essentially a facility to build up savings and hence must not be used as a Current
Account. Bank may close an account should it have any reason to believe that the account holder has used her/his
account for a purpose for which it is not allowed.
Deposits - No restrictions on cash deposit at Non base branch. Cheques, drafts or other instruments drawn only in
favour of the account holder will be accepted for credit of the account.The current limit and charges prescribed for this
are available at the Banks website and Contact Centre. This information can also be obtained from Branches. Overdue
interest will be recovered for instruments subsequently returned unpaid.
Overdrafts - Overdrafts in Savings Bank accounts may be permitted under exceptional circumstances with prior
arrangements only. Cheques drawn in excess of the balance in the account will be returned unpaid. Service charge
will be recovered each time a cheque is returned unpaid for want of sufficient funds. Charges prescribed for this are
available at the Banks website and Contact Centre This information can also be obtained from Branches.
Withdrawals - The account holder can withdraw money personally from her/his ordinary Savings Bank Account by
using Banks standard withdrawal form. The pass book must accompany the withdrawal form. The withdrawal form can
be used only for receiving payments by the account holder himself/herself. ATM cum Debit card can also be used in
ATMs for cash withdrawal. The account holder cannot withdraw an amount less than minimum fixed amount fixed by
bank from time to time. All withdrawals must be in round Rupees only. Third party payments through withdrawal forms
are not permitted. A letter of authority as per the prescribed format, along with the pass book should be sent to the
Bank through
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 an authorized representative to receive payment in case the account holder is unable to attend personally to withdraw
cash from her/his account. The minimum drawing permitted per cheque form is limited to Rs. 50 or as amended from
time to time. The maximum number of free debit entries permitted in a quarter is 50 at present or fixed from time to
time,(Excluding entries related/created through alternate channels/ ATM/PNB ATMs, charges, bank’s interest, sweep
debits & standing instructions) thereafter a charges @ Rs. 2/- per entry or as ammended from time to time will be
levied. Account depends on the QAB in the account or as decided by the Bank from time to time. Charges prescribed
for exceeding this limit are available at the Banks website and Contact Centre. This information can also be obtained
from Branches. Cash withdrawal can be made from the accounts of the sick, old or incapacitated account holders who
are unable to attend the Bank and/or also not able to put their signature or thumb impression for withdrawing cash by
completing the laid down formalities.

Inoperative Accounts - Account holders are advised to operate their accounts regularly. Accounts not operated are
classified as Inoperative afterthe stipulated time period of 24 months since last operation. The current prescribed
charges in this regard are available at the Banks website and Contact Centre. This information can also be obtained
from Branches.
Standing Instructions - The account holder can request the Bank for effecting periodical payment of insurance
premium, membership fees, etc. by debit to her/ his accouv. ATM Card or ATM-cum-Debit Card prescribed charges for
Standing Instruction are available at the Banks website. This information can also be obtained from Branches.

Payment of Interest - As per RBI guidelines applicable from time to time. Interest will be calculated on a daily product
basis. Interest will be credited to the account at quarterly intervals. Interest will be paid only if it works out to Re 1/-or
more. There after fifty paise and more will be rounded off to the next higher rupee and anything less will be ignored. In
case of account frozen by the enforcement authorities, Bank shall continue to credit the interest to the account on
regular basis.
Transfer & Closure of Account - Accounts may be transferred between branches of the Bank at the request of the
account holder(s). Request for closure of account should state the reason for closure. The pass book must
accompany such request. Joint accounts can be closed only at the request of all such joint signatories. Service
charge at prescribed rate will be recovered if an account is closed within one year of its opening. (Except in case of
death of customer) The current charges prescribed for this are available at the Bank’s website. This information can
also be obtained from Branches.
Change in Rules - The Bank reserves the right to alter, delete or add to any of these Rules and service charges for
which the customer will be duly notified through Bank's website and/or branch notice board.

Terms and Conditions

I affirm and declare that I have read over and understood the rules and regulations of the “Bank” and those relating to
various services offered by the Bank including but not limiting to debit card/internet banking/SMS
banking/Tele-Banking/Mobile Banking/Virtual Banking and any other facilities. I agree to abide by the same as
amended/modified from time to time by the Bank/Regulator/Government published through circulars, notifications,
notice board/websites/newspaper publications, etc. I waive the rights, if any, to have personal notice in respect of such
amendments/modifications. I agree that the transactions and requests executed in my accouni(s) through internet,
mobile, tele- banking or virtual banking under my User ID and password/PIN/OTP will be legally binding on me & I am
responsible for the maintenance of secrecy and confidentiality of the authentication credentials and any other
information/details/OTP/PIN, etc., in such matters. I agree that Bank has got all the rights to debit my account for any
service charge, expenses or other dues which the Bank is entitled/ liable to recover from me. I also authorise the Bank
and agree to close/discontinue my account without any notice to me. I hereby undertake to inform the Bank on any
change in my communication address or constitution.
In respect of accounts opened on the basis of Aadhaar details, I hereby declare that I have submitted the Aadhaar
Card issued by UIDAI voluntarily for identification and /or address proof towards the compliance of KYC norms under
the PMLA, 2002 and I hereby consent that the Bank may verify the same with the UIDAI and authorise the UIDAI
expressly to release the identity and address through biometric authentication (OTP Authentication) to the Bank. I
wish to seed this account with NPCI mapper to enable me to receive Direct BenefitTransfer (DBT) including LPG
subsidy from Govt of India (GOI) in this account. I understand that if more than one benefit transfer is due to me, I will
receive all the benefit transfer in this account.
I confirm and declare that I am not prevented/prohibited/restricted by any applicable legal/regulatory/ contractual or
other provisions from opening and/or maintaining the accounts or to transact with the Bank in any other way.
I agree that my personal KYC details may be shared with Central KYC registry or any other competent authority. I
hereby consent to receive information from the Bank/Central KYC Registry/ Gol/RBI or any other authority through
SMS/e-mail on my registered mobile number/ e-mail address. I also agree that the non-receipt of any such SMS/e-mail
shall not make the Bank liable for any loss or damage whatsoever in nature.

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I hereby certify that I have declared my status as per the rules applicable under section 285BA of the Income Tax Act,
1961 as notified by Central Board of Direct Taxes (CBDT) vide Notification No. S.O. 2155(E) dated 7 August 2015
and RBI Circular Ref No. DBR.AML.BC.No.36/ 14.01.001/2015-16 dated 28 August 2015 in the matter including any
subsequent modification/amendment thereof.

I understand, acknowledge and authorize that as per the provisions of Income Tax Act, Rules made thereunder and the
guidelines issued by the Government/RBI in the matter,depending upon the residential status and/or other criteria
stipulated therein, the Bank may have to report the details in respect of my account(s) as per the prescribed format to
the Central Board of Direct Taxes (CBDT)or other Government Agencies to comply with the obligations as per the
Inter- Governmental Agreements (IGA) in respect of Foreign Accounts Tax Compliance Act (FATCA)and Common
Reporting Standards (CRS) and / or any other similar arrangements.

I certify & declare that the information provided by me for opening loan account and availing other services herein or
through website/electronically as applicable to me signed/authenticated by me as well as in the documentary evidence
provided by me for opening loan account and availing other services are, to the best of my knowledge and belief, true,
correct and complete and that I have not withheld any material information that may affect the
assessment/categorization of my account as a U.S. Reportable Account or Other Reportable Account or otherwise. In
case any of the information or details provided by me is found to be false or untrue or misleading or misrepresenting, I
am aware that I may be held liable for it.

I undertake the responsibility to declare and disclose immediately and in no case beyond 30 days from the date of
change, any changes that may take place in the information provided herein/or otherwise, as well as in the
documentary evidence provided by me or if any certification becomes incorrect or undergoes a change. I further
undertake to provide fresh and valid self—certification along with documentary evidence as and when so required;
nevertheless all declaration and undertaking given herein will also be applicable to all such modified/amended
document/information provided by me unless revised self—certification as above is provided to the Bank.

I also agree that my failure to disclose any material fact/information known to me now or in future or my failure to
remedy any deficiency in documents/information/other details within the stipulated period, may invalidate me from
transacting in the account and the Bank would be within its right to put restrictions in the operations of my account or to
close it or to report to any regulator and/or any authority designated by the Government of India(Gol)/RBI for the said
purpose or take any other action as may be deemed appropriate by the Bank under the guidelines issued by CBDT/
RBI/Gol from time to time.

I also agree to furnish and intimate to the Bank any other particulars that are called upon me to provide on account of
any change in law either in India or abroad in the above matter or otherwise.
I shall indemnify the Bank from any loss/damage that may be caused to the Bank on account of any defect/mistake in
the details provided herein or on account of providing incorrect or incomplete information by me.
I undertake to submit data/information together with fresh KYC documents for updation of KYC details at periodical
intervals as may be required by the B
I understand that the account will be activated and debits will be allowed only after completion of Customer Due
Diligence relating to KYC by the Bank.
In case the account is opened without PAN, I undertake to submit PAN on or before such date as may be notified by
the Government of India, failing which the account shall cease to be operational till the time PAN is submitted, as per
Prevention of Money -Laundering (Maintenance of Records) Rules 2005.

In case, deemed OVDs are submitted for Current Address at the time of Account opening, I undertake to submit
Aadhaar or any of the OVD having Current Address within 3 months from the date of account opening, failing which I
understand that my account may cease to be operational as per GOI guidelines at the material time.

I have received the Welcome Kit containing ATM card/cheque book and understand that in case of any
misuse/misplacement of the contents of the Kit, the Bank will not be liable for any loss/damage.
I hereby certify that the Savings Bank Account would be used by me to route transactions of only
non-business/non-commercial nature. In the event of occurrence of such transactions or any such transactions that
may be construed as commercial/business/dubious or undesirable, the Bank reserves the right to unilaterally freeze
operations in such accounts and /or close the account.

I have been advised of Average Monthly Balance (QAB) requirement for the account to be opened and given to
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understand that these requirements are subject to revision/changes and such revision/changes will be uploaded in the
Bank's site which will be acceptable to me as a notice to that effect.

I confirm that the product features of account have been explained to me (applicable to BSBD account applicant)

I acknowledge receipt of rules and regulations of Savings Bank Account.

I have been advised that if I do not provide my mobile number, I will not be eligible for any facility of electronic
transactions.
I understand that this account will be opened under BSBD category. I also understand that in case, I do not wish to
continue in this BSBD account, and switch over to Regular Savings Bank account, I will have to maintain the Average
Monthly Balance(QAB) applicable for Regular Savings Bank Account. I therefore undertake to maintain QAB in the
Account if I switchover to Regular Savings Bank Account from BSBD.

I understand that the requirements of Average Monthly Balance (QAB) and penalty for non-maintenance will be
applicable in this account once the applicant becomes Major. I therefore undertake to maintain Average Monthly
Balance (QAB) from the date of attaining majority.
I hereby declare that the details furnished above are true and correct to the best of my knowledge and belief and I
undertake to inform you of any changes therein, immediately in case any of the above information is found to be false
or untrue or misleading or misrepresenting. I am aware that I may be held liable for it.
We confirm that the product features of account have been explained to me.
I/We hereby give consent for debiting my/our account for recovering service charges as normally applicable to Savings
Bank and Current Account.

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