KYC Documents for Bank Account
Complete guide to Know Your Customer (KYC) documents required for opening bank accounts in India. Learn about identity proof, address proof, and special category requirements.
Essential KYC Documents
- PAN Card (Mandatory)
- Aadhaar Card
- Voter ID Card
- Driving License
- Passport
- NREGA Job Card
- Aadhaar Card
- Passport
- Voter ID Card
- Driving License
- Utility Bills (Electricity, Water, Gas)
- Bank Statement
- Ration Card
- Property Tax Receipt
- 2-3 recent passport size color photographs
- White background
- Clear face visibility
- Size: 2 inch x 2 inch (5 cm x 5 cm)
- Form 16 (for salaried employees)
- ITR Returns (last 2-3 years)
- Business Registration (for businesses)
- Age Proof (for minors/senior citizens)
- Income Proof (for credit cards/loans)
Special Category Documents
- Valid Passport
- Valid Visa & Work Permit
- Overseas Address Proof
- PAN Card
- PIO/OCI Card (if applicable)
- FATCA Declaration
- Birth Certificate
- Minor's Photograph
- Parent/Guardian Documents
- Parent/Guardian PAN Card
- School ID Card
- Age Proof Declaration
- KYC documents of all account holders
- Joint account opening form
- Photographs of all holders
- Operating instructions
- Nomination details
- Business Registration Certificate
- Partnership Deed/ MOA
- PAN of Business/Firm
- Shop & Establishment License
- GST Registration
- Address Proof of Business
KYC Verification Process
Document Submission
Submit self-attested copies of required documents
Original Verification
Bank verifies original documents during account opening
Biometric Verification
Aadhaar-based biometric verification may be required
Address Verification
Physical verification may be done for business accounts
Account Activation
Account is activated after successful verification
Important Notes
Pre-Account Opening Checklist
Mandatory Documents
Before You Visit Bank
Related Guides
Frequently Asked Questions
Yes, PAN card is mandatory for all bank accounts in India as per RBI regulations. It's required for KYC compliance.
Yes, you can open bank account without Aadhaar using other valid documents like passport, voter ID, or driving license as identity and address proof.
Self-attestation means signing on the photocopy of the document stating 'True copy of the original' with date. It confirms the copy is genuine.
Banks typically require KYC updates every 2-10 years depending on risk profile. You may need to update if documents expire or information changes.
Many banks now accept digital KYC using DigiLocker or Aadhaar-based e-KYC, but physical verification may still be required in some cases.
Ready to Open Your Bank Account?
Find the right bank and prepare all required documents before you visit