Account for Special Type of individual Customer

Pardanashin lady means a lady who remains in parda due to tradition of family or society and generally she do not come out of her home in general public and generally is illiterate. If any pardanashin woman executes/makes any contract then she should be accompanied with any male member of her family as her contract without this is not valid.

Literate Person
Illiterate Person

These ladies are competent to open a bank account in their ownname if such a lady is literate and can sign her name

1.Introduction 2.NIC + Photograph 3.Salaried ----- Service Certification 4.Confirmation of Address.

In case of an illiterate woman ,it is difficult due to the Problem of verification of her thumb impression and sometime even to identify. there fore the bankers generally avoid opening such an account and suggest the opening such an account and suggest the opening of a joint account with some literate person as an alternative and he operate her account through attorney .

1.Introduction 2.NIC +Photograph--2 Photos 3.Specimen Signature Card 4.Thumb Impression 5.Self Presence 6.No Cheque Issuance

Pardanashin woman is one who according to the custom of her community observes complete seclusion. The Courts in India regard such women as being especially open to undue influence. When, therefore, an illiterate pardanashin woman is alleged to have dealt with her properties and to have executed a deed, the burden of proving that there was no undue influence lies on the party setting up the deed. The law demands that the person who deals with a pardanashin lady must show affirmatively and conclusively that the deed was not only executed by, but was explained to, and was really understood by the lady. Notice that, a lady who claims to be pardanashin must prove complete seclusion; some degree of seclusion is not sufficient to entitle her to get special protection

Account for Special Type of individual Customer

According to Indian Contract Act, 1872 , married women can enter into any contract just like single woman or any man. However she may not be separate property to bind (except her husband or her personal) but still she cant sell the property at will and is eligible to receive income from the property. She cant be declared insolvent or liable for her husbands debt other then personal debt.But her husband is only liable to pay her debt when she is acting as his agent or she borrowed money for household need or for herself.

Husband wont be liable if he proves he paid sufficiently for household purpose and he never asked her to borrow on his name. She may say later stage that she was under undue influence and she didnt understand the implementation of the contract she is currently in and thus declare the contract void. But according to Hindu succession act 1956 she can have her property for her alone and be sole proprietor.

Husband wont be liable if he proves he paid sufficiently for household purpose and he never asked her to borrow on his name. She may say later stage that she was under undue influence and she didnt understand the implimentation of the contract she is currently in and thus declare the contract void.

BE CAREFULWHEN GRANTING LOAN TO MARRIED WOMEN IF LOAN GRANTED MAKE SURE ENOUGH PROPERTY OF HER TO LIQUIDATE

AS SHE CANT BE IMPRISONED FOR DEBT OR DECLARE INSOLVENT ,BANKER MUST ENSURE TO COLLECT THE LOAN.
HUSBAND CAN ESCAPE WIFES DEBT SO BANKER MUST MAKE SURE WIFE HAS HER OWN PROPERTY IN CASE OF LIQUIDATE THE BANKER MUST USE FREE WILLCLAUSE IN ALL CONTRACTS WITH MARRIED WOMAN BECAUSE SHE CAN LATER APPLY FOR UNDUE INFLUENCE THUS VOIDING IT