Uttarakhand Gramin Bank Saving Account Eligibility

Eligibility to Open Uttarakhand Gramin Bank Savings Account: Banks offer various types of accounts to the customers such as Savings Account, Current Account, Fixed Deposit Account, Recurring Deposit Account, etc. Each type of account has different eligibility criteria. Savings Bank Accounts are intended to inculcate the saving habit among people. Savings Bank Accounts can be opened by an eligible individual in single name or jointly with others.

Any person/ entity meeting the eligibility criteria laid down by the respective bank may open a Savings Bank account upon agreeing to comply with the rules and procedures prescribed by that bank. The applicant is also required to comply with the Know Your Customer (KYC) guidelines which are mandatory in order to prevent misuse of the banking system for criminal purposes, money laundering or any other fraudulent activities.

Eligibility to Open a Savings Account in Uttarakhand Gramin Bank

Outlined below is the eligibility for opening bank account or criteria for savings account eligibility.

  1. A person who is a resident Indian, non-resident Indian (NRI), Hindu Undivided Family (HUF) or foreign national can open a savings bank account.
  2. Account can be opened as sole or joint account
  3. In case of Hindu Undivided Family (HUF), Declaration from the Karta is required
  4. Minors can also open a savings account which will be a Minor Account. Except minor account holders, all the other persons who want to open an account must be over 18 years of age. Birth Certificate issued by Gram Panchayat /NAC(Notified Area Committee) / Municipal Corporation is required for opening the account in the name of minor.
  5. There is a requirement of guardian in case of savings accounts opened by a minor
  6. Some banks also allow a minor above the age of 10 years to open self-operated minor account and even an ATM card or a Debit card can be issued to the minor.
  7. Cheque or Cash towards Minimum Deposit Amount
  8. The applicant is required to submit Proof of Address (POA) and Proof of Identity (POI) in his/ her own name under Know Your Customer (KYC) requirement.
  9. A self attested copy of Permanent Account Number (PAN) is also required under Know Your Customer (KYC) requirement.
  10. Salary accounts can only be opened for salaried persons and not for others
  11. Sometimes the bank may insist upon producing a guarantor or introducer for opening the account.

Savings Account Eligibility Calculator

Savings Account eligibility can be calculated easily if the applicant fulfills all the eligibility criteria as detailed above. He/ she then can open a savings account with any of his/ her preferred bank. All the required documents must be handy while applying for opening of a savings account so that the account can be opened without any poblem.

Specific Points regarding Eligibility Criteria for a Savings Account in Uttarakhand Gramin Bank

  • Non-Individual Entities like Firms, Companies, Trusts, Association, etc. are not eligible to open Savings Accounts in India.
  • Furnishing KYC (Know Your Customer) documents is mandatory in order to open a Savings Account in India. One can check savings account eligibility online also by visiting specific bank's website.
  • Know Your Customer norms apply to everyone who wishes to open a bank account.
  • Minors & Senior Citizens need to produce a proof of their age before opening a Savings Account.

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