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“KYC NOTICE TO CUSTOMER”

In terms of the Prevention of Money Laundering Act, 2002 and the rules framed thereunder as well as the directions received from Reserve Bank of India on ´Know Your Customer´ (KYC) norms, Banks are required to obtain from their customers necessary proof of their identity and address at the time of opening their accounts. In view of the above, all customers of the Bank, who have opened accounts with us prior to 1st September 2011, are required to submit fresh proofs of their identity and address along with two copies of their recent passport size photographs to the branch maintaining their account. This requirement is applicable to every individual maintaining account in his/her personal name, Joint Account Holder/s, proprietary concern, Partnership firm, private /public limited company, Trust, Society, club, HUF and partners /directors/trustees/office bearers in their individual capacity.

Please click below mentionlink for category wise list of documents required for KYC updation.

ANNEXURE-A-INDIVIDUAL SAVING-CURRENT ACCOUNTS

Accounts of Individual Saving /Current Accounts
Identity Proof Documents Ė Any one of the Following Officially Valid Documents (OVD) Residential Proof of Documents

Any one of the Following:-

  1. Passport
  2. Permanent Account Number (Pan Card)
  3. Driving Licence
  4. Voters Identity Card issued by election commission of India
  5. The letter issued by Unique Identification Authority of India (Aadhaar Card) containing details of name, address and Aadhaar Number.
  6. Job Card issued by NREGA duly signed by an officer of State Government.

Any one of the Following:-

  1. Passport
  2. Driving Licence
  3. Voters Identity Card issued by election commission of India
  4. The letter issued by Unique Identification Authority of India (Aadhaar Card) containing details of name, address and Aadhaar Number.
  5. Job Card issued by NREGA duly signed by an officer of State Government.

ANNEXURE-B-SOLE PROPRITORSHIP ACCOUNTS

Sole Proprietorship
Identity Proof Address Proof

Any one of the following in the name of Proprietor:

  1. Permanent Account Number (Pan Card) in the name of Proprietor
  2. Passport in the name Proprietor
  3. Voters Identity Card issued by election commission of India in the name Proprietor
  4. Driving License in the name Proprietor
  5. The letter issued by Unique Identification Authority of India (Aadhaar Card) containing details of name, address and Aadhaar Number in the name Proprietor
  6. Job Card issued by NREGA duly signed by an officer of State Government.
Any two of the following in the name Proprietorship firm :-
  1. Registration certificate (in the case of a registered concern),
  2. Certificate / license issued by the Municipal authorities under Shop & Establishment Act,
  3. Sales and Income Tax returns,
  4. CST / VAT certificate
  5. License issued / Certificate of Practice issued by the Registering authority as under:-
    1. Institute of Chartered Accountants of India
    2. Institute of Cost Accountants of India
    3. Institute of Company Secretaries of India
    4. Indian Medical Council,
    5. Food and Drug Control Authorities
  6. Registration / Licensing documents issued in the name of proprietary concern by state Government or central Government.
  7. IEC (Importer Exporter code) issued to proprietary concern by the office of D.G.F.T.
  8. The complete Income Tax Return (not just the acknowledgement) in the name of sole proprietor where the firmís income is reflected, duly authenticated/acknowledged by the Income Tax Authorities
  9. Utility bills such as electricity, water and landline telephone bills in the name of the proprietary concern
  10. List of registering authorities as listed in above Serial No. 1 to 9 is only illustrative, hence any other documents viz license / certificate of practice issued in the name of the proprietary concern by any professional body incorporated under a statute can be accepted as a business activity proof of the proprietary concern.
  11. In cases where the Customers are not in position to furnish two such documents, then they should approach Branch Manager for further guidance.

Any one of the following in the name of Proprietor:

  1. Passport
  2. Driving Licence
  3. Voters Identity Card issued by election commission of India
  4. The letter issued by Unique Identification Authority of India (Aadhaar Card) containing details of name, address and Aadhaar Number.
  5. Job Card issued by NREGA duly signed by an officer of State Government.
In the name Proprietorship firm :-
  1. If address declared by Proprietor in the account opening form and address mentioned on any one of the documents in the name of Proprietorship Firm , then it can be accepted as firmís address proof.

ANNEXURE-C-PARTNERSHIP ACCOUNTS

Partnership
Identity Proof Address Proof

Any one of the following in the name of the Partners:

  1. Permanent Account Number (Pan Card) in the name of Partners
  2. Passport in the name Partners
  3. Voters Identity Card issued by election commission of India in the name Partners
  4. Driving License in the name Partners
  5. The letter issued by Unique Identification Authority of India (Aadhaar Card) containing details of name, address and Aadhaar Number in the name Partners
  6. Job Card issued by NREGA duly signed by an officer of State Government.
In the name of Partnership Firm :-
  1. PAN Card in the name of Firm
  2. Partnership Deed
  3. Registration certificate

Any one of the following in the name of the Partners :

  1. Passport
  2. Driving Licence
  3. Voters Identity Card issued by election commission of India
  4. The letter issued by Unique Identification Authority of India (Aadhaar Card) containing details of name, address and Aadhaar Number.
  5. Job Card issued by NREGA duly signed by an officer of State Government
In the name of Partnership Firm :-
  1. Registered Leave and Licence Agreement / Ownership Shop /in the name of Partner/s / Firm where actual business is carried out can be considered as an address proof.
  2. If address declared by the firm in the account opening form and address mentioned on partnership deed/ registration certificate is same, then same can be accepted as firmís address proof.
  3. Utility bills such as electricity, water, landline telephone bills and Shop and Establishment licence in the name of the partnership firm.

ANNEXURE-D-COMPANIES ACCOUNTS

Companies
Identity Proof Address Proof

Any one of the following in the name of Authorized Signatories :

  1. Permanent Account Number (Pan Card) in the name of Authorized Signatories
  2. Passport in the name Authorized Signatories
  3. Voters Identity Card issued by election commission of India in the name Authorized Signatories
  4. Driving License in the name Authorized Signatories
  5. The letter issued by Unique Identification Authority of India (Aadhaar Card) containing details of name, address and Aadhaar Number in the name Authorized Signatories
  6. Job Card issued by NREGA duly signed by an officer of State Government.
In the name of Company :-
  1. PAN Card in the name of Company
  2. Certificate of Incorporation.
  3. Certificate of Commencement of Business, in case of Public Limited Company.
  4. Memorandum and Articles of Association.
  5. Form No. 32/Dir-12, in case of any change in the Director/s along with receipt issued by Registrar of Companies evidencing payment of their charges.
  6. Certified copies of Board Resolution authorizing the account opening and operation of the account signed by the Chairman of the meeting of Board of Directors of the Company which passed the said resolution and counter signed by an another authorized official.
  7. Power of Attorney granted to its Managers, Officers or employees in case authority given to them to operate the account
  8. List of Directors on company letter head duly signed by Chairman of the company or Company Secretary or any two Directors.

Any one of the following in the name of Authorized Signatories :

  1. Passport
  2. Driving Licence
  3. Voters Identity Card issued by election commission of India
  4. The letter issued by Unique Identification Authority of India (Aadhaar Card) containing details of name, address and Aadhaar Number.
  5. Job Card issued by NREGA duly signed by an officer of State Government.
Any one of the following in the name of Company
  1. Registered Leave and Licence Agreement / Ownership Shop /in the name of Director/s / Company where actual business is carried out should be considered as an address proof.
  2. Utility bills such as electricity, water and landline telephone bills in the name of the company.
  3. Address mentioned on certificate of registration and where actual business is carried out is same then same should be considered as an address proof

ANNEXURE-E-SOCIETY-ASSOCIATION-CLUBS-TRUST

Society /Association /Clubs /Trust
Identity Proof Address Proof

Any one of the following in the name of Authorized Signatories :-

  1. Permanent Account Number (Pan Card) in the name of Authorized Signatories
  2. Passport in the name Authorized Signatories
  3. Voters Identity Card issued by election commission of India in the name Authorized Signatories
  4. Driving License in the name Authorized Signatories
  5. The letter issued by Unique Identification Authority of India (Aadhaar Card) containing details of name, address and Aadhaar Number in the name Authorized Signatories
  6. Job Card issued by NREGA duly signed by an officer of State Government.
In the name of Society /Association /Clubs /Trust :-
  1. PAN Card in the name of Society/Association/Club
  2. Registration certificate duly certified.
  3. Certified copy of Resolution authorizing the account opening and operation of the account signed by the Chairman/President and countersigned by the Secretary.
  4. Copy of Rules and Bye Laws of the Society/Association/Club duly certified by one of the Office bears as true, up-to-date and correct Rules/Bye Laws.
  5. Branches to ascertain the activities of the Society/Association/Clubs.

Any one of the following in the name of Authorized Signatories :-

  1. Passport
  2. Driving Licence
  3. Voters Identity Card issued by election commission of India
  4. The letter issued by Unique Identification Authority of India (Aadhaar Card) containing details of name, address and Aadhaar Number.
  5. Job Card issued by NREGA duly signed by an officer of State Government.
Any one of the following in the name of Society /Association /Clubs /Trust -
  1. Registered Leave and Licence Agreement/Ownership Shop/in the name of Society/Association/Club/where actual business is carried out can be considered as a address proof.
  2. In case Society/Association/Clubs mentioned the business address on the account opening form is same as specified in certificate of registration then the same can be considered as a address proof.
  3. Utility bills such as electricity, water and landline telephone bills in the name of Societies/Association/Clubs.

If the requisite proofs are not furnished by 30.09.2013, the Bank will be compelled, to freeze operations in the KYC non-compliant accounts, without further notice and at the risk, responsibility on the cost of customer. The Bank may also, without prejudice take any other action to close such KYC non-compliant accounts.

The customers who have already submitted the fresh proof of requisite KYC documents, then they may ignore the above notice.

We solicit the co-operation of all our esteemed customers

Deputy General Manager,
Operations Department.


 

Regd. Off :

Vivek Darshan, 140, Sindhi Society, Chembur, Mumbai - 400 071. India.
Tel: 91-22-2522 2582 | Fax: 91-22-2523 0266 | E-mail: jksbl@jksbl.com

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