Application Form Number CAAOF

Bar Code Bar Code

Account Opening Form

for Non-Individuals
( Current Account / Savings Account / Suvidha Fixed Deposit )
Please fill the form in CAPITAL LETTERS and BLACK INK only. Welcome kit account / Pre-opened account

Welcome kit/Existing Customer ID: Branch Sol id

Welcome kit/Existing Account No.: Scheme Code

d d m m y y y y

please open my/our account at your

COMPANY DETAILS

Bldg./Road No.
Area Village
City/Town/Taluka Landmark (near/opposite)

District State Pin Code

Country Phone(Res) Fax No
Mobile No.

Bldg./Road No.
Area Village
City/Town/Taluka Landmark (near/opposite)

District State Pin Code

Country Phone(Res) Fax No
Mobile No.

BUSINESS DETAILS

PAN/GIR no.

Local Bodies Society/Club/Association*

Mandatory for Current Accounts
Public Sector Bank Institution
or
Trust* Partnership firm* Other Financial Institution
Form 60 attached (Please )
Govt./Semi Govt. Private Sector Bank
PAN not available for Central/State
Co-Operative Bank/Foreign Bank/Other bank LLP Govt/Consular offices
Others (Please specify)

*Whether registered Yes No

CIN Number - L65190MH2004GOI148838

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 DELIVERABLES
Statement: by mail by E-mail collect personally

Chequebook: Yes No
*In case you select Statement by email option i.e E-statement then physical statement shall be disabled.
Consent to communicate new products/offers (through email, SMS, Post and Telebanking): Yes No

CHANNEL REGISTRATION FORM / I-NET BANKING REGISTRATION (FOR HUF ONLY*)

Internet (I-Net) Banking Mobile Banking Phone Banking SMS Alert: English Hindi
Debit-cum-ATM Card: Domestic Validity International Validity
Please indicate the name to be embossed on the Debit-cum-ATM Card. Also attached indemnity letter in case of Debit-cum-ATM Card for partnership and HUF.
Primary Card
1st Applicant
Add on Cards
2nd Applicant
3rd Applicant
4th Applicant
*Other please use separate detailed application.
Please Note:
The Internet Banking service will be available in case of Joint Accounts, only if the mandate for operation is given as 'Either or Survivor' or ' Anyone or Survivor' Only. For these types of
Joint Accounts, one I-Net Banking user-id will be issued to one of the account holder(primary account holder) whose name stands first in the account. The Bank has the option to issue
additional user-id and password (s) for any type of accounts including Joint Accounts. The other Joint Account holder(s) shall expressly agree with this arrangement and give his/he
consent on a request in a prescribe form for use of I-Net Banking by the primary account holder. In case any of the Joint Account holder(s) gives a request to discontinue I-Net Banking
service in respect of operations through the use of I-Net Banking (or in writing) or by some other mode of communication (recognize and authorized by the Bank), for any of the Internet
Banking Accounts held jointly by them, the Internet Banking service will be discontinued for all the User/s of I-Net banking.
Default Internet Banking transactions limits will apply. For higher transactions limits a limit enhancement request to be submitted at the Branch.
Wherever you make a purchase at a Merchant Establishment or make a cash withdrawal at another bank's ATM, the Primary Account (as specified by you) will only be accessed.

Declaration for Channel Services and International Debit-cum-ATM Card.

I/We, authorize IDBI Bank, to issue an IDBI Bank Debit-cum-ATM Card to me/us. I/We acknowledge that the issue and usage of the card is governed by the terms and conditions as in
force from time to time and agree to be amended by IDBI Bank from time to time. I/We further unconditionally and irrevocably authorize IDBI Bank to debit my/our account with an
amount equivalent to the annual fee and charges for use of the Debit-cum-ATM (wherever applicable/amended as per the schedule of charges/fees).
I/We hereby confirm that in case of Joint Accounts the operating instruction will not be jointly by all.
I/We undertake to strictly utilize the card in accordance with the Exchange control Regulations as laid down by Reserve Bank of India from time to time. I/We confirm that the foreign
exchange which will be used will be within the limits of the Basic Travel Quota as per Foreign Exchange Management Act 1999. I/We will adhere to guidelines, which are issued by the
Reserve Bank of India concerning the use of foreign exchange.
I/We have read and understood the Terms and Conditions (a copy of which I am in possession of) also hosted at www.idbi.com, governing the opening of an account with IDBI Bank
and those relating to various channel services including but not limited to Debit-cum-ATM Cards/Phone Banking/Mobile Banking/ Internet banking / Bill Payment facility / Account
Alerts. I accept and agree to be bound by the said Terms and Conditions including those excluding/limiting the Bank's liability. I/We authorize the applicant to access the accounts via
the channels selected and authorize IDBI bank to link new accounts opened by the applicant to the channels selected.
I/We understand that the Bank may, at its absolute discretion, discontinue any of services completely or partially without any notice to me/us. I agree that the bank may debit my
account for service charges as applicable from time to time (wherever applicable/amended as per the schedule of charges/fees.)

---------------------------------------- ---------------------------------------- ---------------------------------------- ----------------------------------------

(Authorised Signatory) Signature of Partner Signature of Partner Signature of Partner
INITIAL PAYMENT DETAILS
Amount Cash Transfer from a/c no.

Tran id. **Cheque no. dated (dd/mm/yyyy)

drawn on bank, branch

(All Cheques for initial payment amount, will be drawn in favour of IDBI Bank Ltd. - Customer Name) **will be accepted only with a self-signed cheque.
Amount to be deposited in Savings / Current / Term Deposit account `

OTHER BANK DETAILS

INTRODUCTION DETAILS

Signature of introducer

2
1 Cust ID

2 Account Number

3 Account Title

Names and Address(es) of proprietor/

4 partners/directors

5 Purpose of opening account

6 Nature of Business Trading/Manufacturing/Services/

If Trading/Service please specify the nature of business

7 Date of incorporation Reg No. IEC No.

Any other

8 Type of organization Partnership/Pvt. Ltd. Company/Public Ltd. Company/Society/Association/Club/

Trust/HUF/Bank/Govt bodies

9 Registered Address

10 Annual Turnover

11 Expected transactions in the account

12 Names and address(es) of clients.
Please attach a separate sheet
if required

I certify and declare that the information furnished herein are correct to the best of my knowledge.

13 CUSTOMERS SIGNATURE

Risk Level ( Customer Profile):

We have complied with all the requirements of the KYC and AML policy, KYC & AML Master Circular of the Bank updated till now.
We have complied with all requirements, Circulars/instructions issued by the Bank till date with regard to the proposed Product.
All Statutory, Regulatory and Internal Guidelines issued up-to-date have been complied with regard to this AOF.
I here by certify that all the necessary KYC documents have been obtained/verified by me. I confirm that the documents are adequate to comply with KYC
requirement of the Bank. I hereby confirm that I have verified UN list of terrorist groups & GOI advices & banks guidelines & confirm the applicant/s are not
included in caution advices/black list. Based on this account may be opened.

Signature of SOM/ABH

Name of the Branch Head/Acting Branch Head

Date Employee Code Branch

CRILC checked Yes No Name of Vertical

Tax slab
Signature of Branch Head

DST Code 1 DST Code 2

Lable Code 1 Lable Code 2

Area Code: State District Sub-District village

(Taluka)

Note: For change in Risk Level and Tax Slab for existing customers request should be sent separately.

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 DECLARATION

Signature
Date of birth
(dd/mm/yyyy)

(dd/mm/yyyy)

(dd/mm/yyyy)

re-opening of a new account in the name of

Declaration of Beneficial owner in the case of Non-Personal Entities

We submit that we have read and understood the definition of beneficial owner as per guidelines issued by Government of India (as given below) and hereby advise that the following
person / entity is the beneficial owner of our entity. We also provide the Identity details of the said beneficial owner for your records
Where the client is a person other than an individual or trust:- The identity of the natural person, who, whether acting alone or together, or through one or more juridical person,
exercises control through ownership or who ultimately has a controlling ownership interest.
Explanation: Controlling ownership interest means ownership of/entitlement to more than 25 percent of shares or capital or profits of the juridical person, where the juridical person is
a company; ownership of/entitlement to more than 15% of the capital or profits of the juridical person where the juridical person is a partnership; or, ownership of/entitlement to more
than 15% of the property or capital or profits of the juridical person where the juridical person is an unincorporated association or body of individuals.
In cases where there exists doubt as to whether the person with the controlling ownership interest is the beneficial owner or where no natural person exerts control through ownership
interests, the identity of the natural person exercising control over the juridical person through other means.
Explanation: Control through other means can be exercised through voting rights, agreement, arrangements, etc
Where no natural person is identified as above, the identity of the relevant natural person who holds the position of senior managing official.
Where the client is a trust:- The identification / verification of the beneficial owners of the client could be established through the settler of the trust, the trustee, the protector, the
beneficiaries with 15% or more interest in the trust and any other natural person exercising ultimate effective control over the trust through a chain of control or ownership.
Where the client or the owner of the controlling interest is a company:- The identification / verification of the beneficial owners of the client is not necessary for any shareholder or
beneficial owner of such companies.

Name of Beneficial owner

Address

Phone Number

E-Mail

Proof for Identity of beneficial owner As per enclosure

We hereby declare that the above information is true and request you to open our account as propose. We also undertake to intimate you about any changes in the beneficial
owner of our entity.

Yours faithfully

4 (Signatory)
 DOB
dd/mm
yyyy

1.

2.

3.

4.

5.

6.

7.

Existing Customer ID (If any)

1. Only in new account For all account tagged under my/our Cust ID
2. Only in new account For all account tagged under my/our Cust ID
Please update
3. address, Only in new account For all account tagged under my/our Cust ID
4. Mobile,Phone no., Only in new account For all account tagged under my/our Cust ID
email id etc as
5. Only in new account For all account tagged under my/our Cust ID
mentioned above
6. Only in new account For all account tagged under my/our Cust ID
7. Only in new account For all account tagged under my/our Cust ID

ACCOUNT OPTIONS
Flexi Current account Flexi Current account (for Co-operative & Other Bank) TASC account (Savings)

TASC account (Current)

Currency

SUVIDHA FIXED DEPOSITS (FD)

Tenure of Deposit: Day Month Year

Suvidha FD Interest Rate Payout: Monthly (Discounted Basis) Quarterly Annual At Maturity (Cumulative)
For TDS (please tick as applicable): Tax to be deducted at source - PAN/GIR No.
No tax to be deducted - Form 15H enclosed

Overdraft Against FD Account (minimum amount of FD is `10,000, available only on deposit of tenure 6 months and above)

MATURITY / PAYMENT INSTRUCTIONS

Auto renew* principal Auto renew for period : By credit to 1st applicants operative account
Auto renew* principal & interest year(s) month(s)

Auto renew* ` day(s) By Payorder / Demand Draft

Pay principal & interest Pay principal

*Renewal will be done at the then prevailing interest rate

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 Authorised Signatory

Bar Code

SIGNATORY DETAILS

Authorised signatory (1)

Designation
1st applicant
Existing Cust Id

Authorised signatory (2)

Designation
2nd applicant
Existing Cust Id

Authorised signatory (3)

Designation
3rd applicant
Existing Cust Id

Authorised signatory (4)

Designation
3rd applicant
Existing Cust Id

COMPANY SEAL
AND STAMP

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 IDBI BANK LIMITED_____________________________Branch

Most Important Terms and Conditions (MITCs)

To be handed over to the applicant

Please obtain a copy of Schedule of Facility (SOF) signed by you.

SAVINGS ACCOUNT RULES
1. SB accounts may be opened for the purpose of savings and not for doing any business transactions. The object of the savings bank account is to
encourage private individuals to deposit their savings with the bank, allowing them interest on the sums so deposited and at the same time permitting
the facility of certain limited withdrawals on demand. Hence firms/companies are not allowed to open SB account. Transactions of commercial nature
are not permitted. If the Bank at any stage finds that the Savings Bank Account is being used either for the purpose for which it is not allowed or for the
purpose of routing transactions which are dubious or undesirable, the Bank reserves the right to close such Savings Bank Account.
2. A minimum balance shall always be maintained in the account. Non-maintenance of minimum balance will attract charges as prescribed from time to
time.
3. Applicable charge for closure of the account from time to time would be collected. .
4. Interest is calculated on the balance maintained in the SB account on daily balance method and credited to the account on last working day of every
March and September. The rate of interest payable is subject to the directives that may be issued by RBI from time to time.
5. As per extant Reserve Bank of India (RBI) guidelines, an account would be treated as inoperative / dormant if there are no customer induced
transactions in the account for over a period of two years. Operation in such inoperative accounts would be resumed / restarted /allowed after
obtaining the revised KYC document as per the extant guidelines of the Bank.
6. The Bank reserves the right to alter service charges for which the customer will be duly notified through Bank's website and/or branch notice board.
Any changes in the schedule of charges or the terms and conditions will be communicated to the customers 30 days in advance. During the notice
period, the charges for facilities would be the same as applicable prior to the notice period.

CURRENT ACCOUNT RULES

1. Current accounts are meant for customers who have to carry out business and/ or large number of transactions in the account every day.
2. There are no restrictions on the number of transactions in current accounts.
3. No interest is paid on the balances in current accounts,
4. Free Facilities would vary every month based on Monthly Average balance (MAB) maintained during the previous/current month.

RETAIL TERMS DEPOSIT RULES

1. No penalty for premature withdrawal on all the above deposits opened / renewed with effect from 1st Jan. 2011. In case the customer prefers to
prematurely withdraw the deposit (FD booked before 1st Jan 2011) from the Bank, the then prevailing penalty norms will be applicable.
2. In case of premature withdrawal of deposits before 15 days, by any category of depositors including senior citizen/ staff and retired staff, the savings
bank interest rate shall be applicable. No interest is paid if the deposit is held for the tenure of below 7 days, the minimum period for Term Deposits as
per RBI guidelines.
3. Interest payable on prematurely withdrawn deposits will be the contracted rate or the rate applicable for which the deposit remained with the Bank
(rate applicable for that tenure on the original date of the deposit) whichever is lower. The above interest payment clause on premature withdrawal of
Term Deposits is applicable on all Fixed Deposits.
4. The premature withdrawal allowed, unless specified otherwise, at the rate applicable for the period for which the deposit has run or the contracted rate
whichever is lower, subject to penalty, if any, prescribed by the Bank from time to time.
5. Interest rates applied on Retail Term Deposit will be as per the prevailing rates of interest. Discounted rate will be applied in case of monthly interest
payouts. Annual Interest Payout is calculated on Simple Interest basis.

ACKNOWLEDGEMENT

Form Serial No. IN Branch Copy (Please note this number till
you get your customer ID)

Name of the customer

Forwarded to CPU/RPU on
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 IDBI BANK OFFERS THE FOLLOWING PRODUCTS AND SERVICES

Savings Account

Flexi Current Account

Fixed & Floating Term Deposits

Recurring Deposits

NRI Services

International Debit Card

Preferred Banking

Gift Card

World/Global Currency Card

Magic Card

Locker Facility

Special Accounts for Kids/ Youth/Women/ Salaried/ Senior Citizen

Capital Gains Account Scheme

Capital Market Products

Home Loan

Education Loan

Auto Loan

Loan Against Property

Home Loan Interest Saver

IDBI Bank Limited, Regd. Office: IDBI Tower, WTC Complex, Cuffe Parade, Mumbai 400005.
Toll Free Numbers reachable from any landline/Mobile phones: 1800-200-1947 / 1800-22-1070,
Non - Toll Free Number: 022-66937000.
TM

Visit us: www.idbi.com

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