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SAVING ACCOUNTS

Saving accounts are accounts maintained by retail financial institutions that pay interest but cannot be used directly as money in the narrow sense of a medium of exchange (for example, by writing a cheque). These accounts let customers set aside a portion of their liquid assets while earning a monetary return. For the bank, money in a savings account may not be callable immediately and in some jurisdictions, does not incur a reserve requirement, freeing up cash from the bank's vault to be lent out with interest. The 'saving account' is generally opened in bank by salaried persons or by the persons who have a fixed regular income. This facility is also given to students, senior citizens, pensioners, and so on. Saving accounts are opened to encourage the people to save money and collect their savings. The saving account holder is allowed to withdraw money from the account as and when required. The interest which is given on saving accounts is sometime attractive, but often nominal. At present, the rate of interest ranges between 4% to 6% per annum in India. The interest rates vary as per the amount of money deposited (lying) in the saving bank account, scheme opted, and its maturity range. It is also subject to current trend of banking policies in a country.

The main features of saving account in bank are as follows: The main objective of saving account is to promote savings. There is no restriction on the number and amount of deposits. However, in India, mandatory PAN (Permanent Account Number) details are required to be furnished for doing cash transactions exceeding 50, 000. Withdrawals are allowed subject to certain restrictions. The money can be withdrawn either by cheque or withdrawal slip of the respective bank. The rate of interest payable is very nominal on saving accounts. At present it is between 4% to 6% per annum in India. Saving account is of continuing nature. There is no maximum period of holding. A minimum amount has to be kept on saving account to keep it functioning. No loan facility is provided against saving account. Electronic clearing System (ECS) or E-Banking are available to pay electricity bill, telephone bill and other routine household expenses. Generally, equated monthly installments (EMI) for housing loan, personal loan, car loan, etc., are paid (routed) through saving bank account.

The advantages of saving account are as follows: Saving account encourages savings habit among salary earners and others who have fixed income. It enables the depositor to earn income by way of saving bank interest. Saving account helps the depositor to make payment by way of issuing cheques. It shows income of a salaried and other person earned during the year. Saving account passbook acts as an identity and residential proof of the account holder. It provides a facility such as Electronic fund transfer (EFT) to other people's accounts. It helps to do online shopping via facility like internet banking. It aids to keep records of all online transactions carried on by the account holder. It provides immediate funds as and when required through ATM. The bank offers number of services to the saving account holders.

Types of Savings Account offered by HDFC Bank

1. SavingsMax Account:
a) The features and benefits: Free cash withdrawal and balance enquiries at all HDFC Bank ATMs and non-HDFC Bank domestic ATMs Free lifetime Titanium Royale Debit Card for the primary account holder. A Titanium Royale Debit Card for any other account holder will be charged at Rs. 250 Free lifetime Woman's Advantage/International Debit Card for all account holders Free Payable-at-Par cheque book without any usage charges Free demand drafts on HDFC Bank locations, up to Rs. 1 lakh per day Free lifetime Bill Pay & InstaAlerts for all account holders Free passbook facility for all account holders (individuals) 50% off on locker rental calculated on a pro-rata basis and applicable only for the year of allotment. Free folio maintenance charges on Demat account for the first year Transaction linked discount on AMC for Demat accounts. Annual Txs > 0 < = 10 > 10 < = 25 > 25 AMC Charge (per annum) 750/ 500/ 300/-

Free passbook available at home branch for account holders (individuals) Free email statements Bank conveniently with facilities like Net Banking, Phone Banking and Mobile Banking check your account balance, pay utility bills or stop cheque payments all via SMS.

MoneyMaximizer: Make the most of our "MoneyMaximizer" (sweep-out) facility so your surplus funds can be put into high earning fixed deposit at the threshold of Rs. 1, 25,000. If the balance in your SavingsMax Account exceeds/reaches Rs. 1, 25,000, the amount in excess of Rs. 1, 00,000 will be put in a fixed deposit at a minimum value of Rs. 25,000 for a one year and one day period. b) Special privileges: I. Insurance Benefits: Accidental hospitalization cover (applicable from 1st Aug 09) Get accidental hospitalization cover of Rs. 1 lakh per annum on your SavingsMax Account Claim daily cash allowance* at Rs.1,000 per day for a maximum of 15 days per year, for each day of hospitalization due to an accident This is a re-imbursement cover, extended only to the first holder of the SavingsMax Account This is applicable after the completion of the 1st calendar quarter, after the quarter of your account opening. For example, if your SavingsMax Account was opened in August 2009, the insurance benefit will apply only from January 2010. For the claim to be accepted & processed, the first holder of the SavingsMax Account should have fulfilled the following: You have to maintain an Average Quarterly Balance (AQB) of Rs. 25,000 in the calendar quarter previous to the quarter of the date of accident

You should have made at least 1 Point of Sale (POS) purchase at a merchant establishment using your Debit Card in the previous 3 months before the date of accident.

Accidental Death Insurance Cover of Rs. 10 lacs p.a on account for the first holder only The insurance cover is restricted to death by vehicular accidents (Rail/Road/Air) For claim to be processed, primary account holder should have done atleast 1 purchase- Point of Sale transaction at a merchant establishment using the Debit Card in the previous 3 months before the date of death. A purchase transaction performed before the date of death in the same month will also be valid. II. Other Special Benefits: Preferential pricing on new Online Trading Accounts Account opening charges Rs. 499 only (regular price Rs. 999) 1 lakh worth of trade volumes free (valid for 3 calendar months after your online trading account opening month) Loan offers (effective 1st November 2013) Auto Loan - Flat 0.25% discount on interest rate Business Loan - Up to 1 % discount on interest rate & upto 0.25% discount on processing fees up to 28th Feb 14 Personal Loan - 0.50% less on interest rates till 31st March 14 Forex Plus Card 50% discount on issuance of Forex Plus Card (on minimum load of USD 2000 on card or any other currency equivalent to it) through branch c) Eligibility criteria: The following are eligible to open a SavingsMax Account: Resident individuals (sole or joint account) Hindu undivided families Foreign nationals residing in India* If you are a foreign national residing in India, you may open a Savings Account by temporarily attaching an undertaking (QA 22 form) stating sources of credit and a copy of your residence permit Minimum Balance Requirement If the AMB in the SavingsMax a/c >= 25,000/-, no AMB non-maintenance charges will be levied If the AMB in the SavingsMax a/c falls below 25,000/- the following charges would be applicable: If AMB in the account is between Rs 10,000/- to Rs 25,000/ If AMB is less than Rs 10,000 Rs 350 per month would be levied Rs 500 per month would be levied

Transaction charges applicable, in case the specified AMB has not been maintained in the previous month.

2. Regular Savings Account


a) The features and benefits: Wide network of branches and over 11000 ATMs to meet all your banking needs, no matter where you are located. Bank conveniently with facilities like Net Banking, Phone Banking and Mobile Banking check your account balance, pay utility bills or stop cheque payments all via SMS. Never overspend shop using your International Debit Card that reflects the actual balance in your savings account.

Personalized cheques with your name printed on each cheque leaf for enhanced security. Take advantage of Bill Pay an instant solution so you can pay all your frequent utility bill payments. Instruct for payments over the phone or through the Internet. Avail of facilities like Safe Deposit Lockers, Sweep-In and Super Saver facilities on your account. Free cash withdrawals at any other Bank's ATMs* Free Payable-at-Par cheque book, without any usage charges. Free passbook facility for all account holders (individuals) Free Email Statement facility. Select from our range of International Debit cards as per your needs and avail a range of benefits Annual Maintenance Charge (AMC) waived off for the first year for the first new Demat account Avail of facilities like Safe Deposit Lockers, Sweep-In and Super Saver facilities on your Regular Savings Account

b) The eligibility criteria: A Regular Savings Account is for anyone who is a: A resident individual (sole or joint account) A Hindu undivided family A foreign national If you are a foreign national, you have to be residing in India for a period greater than 180 days and you have to provide us with: A valid passport A valid Visa FRRO (Foreign Regional Registration Office) Certificate Residential permit Minimum Balance Requirement A minimum deposit of Rs. 10,000 (metro/urban branches), Rs. 5000 (semi-urban/rural branches) is required to open an account and thereafter an average monthly balance of the same amount has to be maintained. Please note: It is mandatory to maintain a minimum average monthly balance (AMB) of Rs. 10,000 (metro/urban branches), Rs. 5000 (semi-urban/rural branches). If the balance is not maintained, the following service charges will be levied: For urban/metro branches: If AMB in the account is between Rs 5,000 to Rs 10,000, a charge of Rs 250/- per month would be levied. If AMB is less than Rs 5,000, a charge of Rs 350/- per month would be levied. Semi urban/rural: If AMB in the account is between Rs 2,500 to Rs 5,000, a charge of Rs 250/per month would be levied. If AMB is less than Rs 2,500, a charge of Rs 350/- per month would be levied.

3. Women's Savings Account:


a) The features and benefits: Free cash withdrawal and balance enquiry at all HDFC Bank ATMs and non-HDFC Bank domestic ATMs Easy Shop Woman's Advantage Debit Card with a host of benefits like: Re.1 Cash back for every Rs 200/- spent Personal Accident Death Cover of Rs 2 lacs Transaction limit of Rs. 25,000 per day for cash withdrawal and shopping limit of Rs. 40,000 per day. Make the most of the optional MoneyMaximizer (sweep-out) facility to transfer your surplus funds to fixed deposits. If the balance in your Women's Savings Account exceeds/reaches Rs 1,00,000, the

amount in excess of Rs 75,000 will be transferred to a fixed deposit for a one year and one day period. Payable at par cheque book - free 25 leaves multi-city cheque book per quarter Free lifetime Bill Pay for all account holders Free folio maintenance charges on Demat account for the first year Free passbook facility for all account holders (individuals) Free email statements Bank conveniently with facilities like Net Banking, Phone banking and Mobile Banking check your account balance, pay utility bills or stop cheque payments all via SMS.

b) The special privileges: 1. Insurance Cover: Get Accidental Death Cover of Rs. 10 lacs on your Women's Savings Account Get Accidental Hospitalization Cover of Rs. 1 lac on your Women's Savings Account Claim daily cash allowance of Rs. 1,000 per day for a maximum of 10 days per year, for each day of hospitalization due to an accident. For the claim to be accepted & processed, the first holder of the Women's Savings Account should have made at least 1 Point of Sale (POS) purchase at a merchant establishment using the Debit Card in the previous 6 months before the date of event.

2. Preferential pricing on new HSL Trading Accounts - A/c opening charges for 1 A/c @ Rs.999/- & 2 A/cs from Family* @ Rs.1399/-(50% discount on 2nd A/c), each A/c will get benefited for Free Transaction Turnover of Rs. 10 Lacs valid for 3 months from Account Opening** Do It Yourself SIP, An unique product to invest in Gold or ETFs or stocks systematically for 12/18/24 months (One time setup fees of Rs.249 for multiple scripts, min. qty. 1 unit) Free online Stock Recommendations and Market Updates Access to the Latest Research Reports and Ideas from our Research Desk Call N trade facility in Multiple Languages 24 Hrs. Live Chat Facility - real time online assistance on Product Offerings, Trading/Investments & Resolution of Queries Free access to Advanced Website Tools and Widgets Advanced Portfolio Tracker, Watch- list, Desktop Widgets, Stock Screeners etc. Free Access to Predefined and Customized Stock Alerts

*Family includes Spouse, Major Child, and Parents & Siblings. **Rs 1 lac in equity delivery segment and Rs 9 lacs in equity square off segment in both the accounts. 3. Special offers on Loans: 0.25% less on interest rates till 31st March 14 on your personal loan. Avail 50% discount on processing fees on your Auto Loans Two wheeler loan - Savings of Rs 2,375 and 50% Discount on Processing Fees

4. Special shopping benefits Enjoy exclusive shopping benefits available on select brands Click here to know of the exciting offers on purchases done through Debit/Credit cards

c) The eligibility criteria: The first account holder should be a woman

A resident individual (sole or joint account) A foreign national If you are a foreign national, you have to be residing in India for a period greater than 180 days and you have to provide: A valid passport A valid Visa FRRO (Foreign Regional Registration Office) Certificate Residential permit Minimum Balance Requirement: A minimum deposit of Rs. 10,000 in metro/urban branches and Rs. 5,000 in semi-urban/rural branches is required to open an account and thereafter an average monthly balance of the same amount has to be maintained It is mandatory to maintain a minimum average monthly balance (AMB) of Rs. 10,000 in metro/urban branches and Rs. 5,000 in semi-urban/rural branches. If the balance is not maintained, the following service charges will be levied: For urban/metro branches: if the AMB in the account is between Rs 5,000 to Rs 10,000, a charge of Rs 250/- per month will be levied. If AMB is less than Rs 5,000, a charge of Rs 350/per month will be levied. Semi urban/rural: if the AMB in the account is between Rs 2,500 to Rs 5,000, a charge of Rs 250/- per month will be levied. If AMB is less than Rs 2,500, a charge of Rs 350/- per month will be levied. Transaction charges will be applicable, in case the specified AMB has not been maintained in the previous month

4. Kids Advantage Account:


a) The features and benefits: Free Education Insurance cover of Rs.1,00,000/- in the event of death of the parent/ guardian through vehicular accident by road, rail or air to safeguard the future of the child ATM/International Debit Card will be issued for children between 7-18 years of age in your child's name with your permission. Your child can withdraw Rs. 2,500 at ATMs and spend Rs. 2,500 at merchant locations per day. Free cash withdrawals on any other Bank's ATM* 1 free PAP cheque book for your child at the time of account opening. Free e-mail statements / passbook facility for all account holders (individuals) Free Net Banking for you to monitor your child's account. Bank conveniently with facilities like Net Banking, Phone banking and Mobile Banking check your account balance, pay utility bills or stop cheque payments all via SMS.

For their Secured Future Standing Instruction to transfer any amount from your account to your Kid's Advantage account every month (Minimum value Rs. 1,000 & Minimum tenure 1 year) (Mandatory). Once the balance in the Kid's Advantage Account reaches/exceeds Rs. 35,000, the amount in excess of Rs. 25,000 will automatically be transferred to a Fixed Deposit for 1 year and 1 day, in your child's name, if you sign for our "MoneyMaximizer" (sweep-out) facility. You can also opt for systematic investments in mutual funds from the Kid's Advantage Account in your child's name. b) The eligibility criteria:

Kids Advantage Account can be opened for your child as long as your child is a minor (up to 18 years of age) and Parent must have a Savings Account with HDFC Bank. Maintain a minimum Average Monthly Balance requirement of Rs. 5,000/The penalty for non-maintenance of an Average Monthly Balance is Rs. 100/- per month

5. Senior Citizens Account:


a) The Features and benefits: Shop with pride with your Easy Shop International Debit Card, offered free for life to the primary account holder. You can spend up to Rs. 40,000 per day at any point of sale (POS). Enjoy cash withdrawals of up to Rs. 25,000 per day on your debit card at any HDFC Bank ATM. If the first applicant is a woman and new to the bank, our special free Womans Advantage Debit Card with cash withdrawals of up to Rs. 25,000 per day and shopping (point of sale) limit of Rs. 40,000 per day will be issued by default Withdraw cash for free at any banks ATM* Payable-at-Par (PAP) cheque books are issued free. With this facility, outstation cheques issued by you (for clearing) will be treated as local cheques, at any HDFC Bank location. What's more, there are no usage charges for availing the PAP facility. Free passbook facility for all account holders (individuals) Use Phone Banking, Mobile Banking, Net Banking and Bill Pay facility absolutely free for all your banking needs. Avail free SMS alerts to know the transactions in your account. Get free Email statements. National Electronic Funds Transfer (NEFT) facility is available. Bank conveniently with facilities like Net Banking, Phone Banking and Mobile Banking check your account balance, pay utility bills or stop cheque payments all via SMS.

b) The Special offers: Get preferential rates of FDs Avail of special offers on Demat accounts No annual maintenance charge (AMC) for the first year Discounted AMC of Rs 250/- from second year onwards Dematerialization of physical shares free for lifetime. The offer is applicable only for the first Demat account linked to your Senior Citizens account Special offers on new Online Trading Account Account opening charges for only Rs. 599 Free travelers cheques Insurance Benefits Get accidental hospitalization cover of Rs. 50,000 per annum. This is a reimbursement cover for the first applicant. Claim a daily cash allowance once a year at Rs. 500 per day, for a maximum of 15 days per year, for each day of hospitalization due to an accident. You just need to use your HDFC Bank Debit Card at a merchant establishment for purchase transactions. Note: Your claim will be processed only if you have used your HDFC Bank Debit Card at a merchant establishment at least once in the previous 6 months from the date of hospitalization

c) The eligibility criteria: All resident individuals (sole or joint) in the age group of 60 years and above are eligible to open the Senior Citizens Account. In the case of a joint account, the first applicant has to be a senior citizen.

Minimum Balance Requirement A minimum deposit of Rs. 5,000/- is required to open a Senior Citizens Account and thereafter an Average Monthly Balance (AMB) of the same amount has to be maintained. Non-maintenance of required AMB will invite charges of Rs.100/- per month. Transaction charges will be applicable in case the specified AMB has not been maintained in the previous month.

6. Family Savings Group Account:


a) The features and benefits: Features Free Easy Shop International Debit Card for all account holders for lifetime of the group 5 Free cash withdrawal transactions on any bank ATMs Free Bill payment Savings account to savings account sweep-in to a nominated account* (sweep-in from NRO ac not allowed) Savings account to Savings account sweep-in to a nominated account* sweep-in from NRO ac not allowed Free DD/MC on HDFC Bank locations up to Rs.50,000 per account per month (Request at branch) 50% off on the Locker rental calculated on a pro-rata basis and applicable only for the year of allotment. Online Trading Accounts - One free add-on Trading Account for Spouse PAP cheque book Free of issuance charge Free e-mail statements / passbook facility for all account holders (individuals) Bank conveniently with facilities like Net Banking, Phone Banking and Mobile Banking check your account balance, pay utility bills or stop cheque payments all via SMS. Special Bundle Offers Lockers: 50% off on the Locker rental calculated on a pro-rata basis and applicable only for the year of allotment. Online Trading Accounts: Account opening charges Rs.799 One add-on Trading Account for Spouse Free One lac of Trade volume Free for both primary & add-on account holder (valid for the next 3 months from the date of account opening) b) The eligibility criteria: All members who have an individual HDFC Bank account. A minimum of 2 and maximum of 4 accounts can be grouped under a single Family Savings Group (FSG). Non-Resident (NR) accounts can also be grouped. Savings Max, Current and HUF accounts cannot be grouped under an FSG account. The Customer ID of the Primary account holder in the group will be the Group ID. The Primary account holder cannot be a minor. Definition of Family: A family is defined as spouse, father, mother, son, daughter, brother, sister, grandparent or grandchild.

7. Basic Savings Bank Deposit Account:

a) The features and benefits: Access a wide network of branches and ATMs across the country to meet all your banking needs. Free Net Banking (on request) for convenient banking. Use National Electronic Funds Transfer (NEFT) to transfer funds from your HDFC Bank account to any account in another Bank at locations specified by the RBI. Enjoy Free IVR based Phone Banking (Agent assisted calls will be charged*). Free passbook facility for all account holders (individuals) Access your account with your free ATM Card. Enjoy free cash and cheque deposits at branches and ATMs. Get free cash withdrawals at any bank's ATM with your Debit Card*. Use 4 free cash withdrawals per month at branches. Additional cash withdrawals at branches in the month will be charged at Rs. 50 per transaction. Get an International Debit Card on request at your branch at Rs. 100 per annum (plus applicable rates). International Debit Card available on request Get your first cheque book free and subsequent cheque books at Rs. 5 per leaf. Avail of our free InstaQuery facility. Use free Bill Pay, your instant solution to pay all your frequent utility bills. You can also give instructions for payments over the phone or through the Internet*. Avail of Safe Deposit Locker, Sweep-In and Super Saver facilities. Get Free Email statements. Bank conveniently with facilities like Net Banking, Phone Banking and Mobile Banking check your account balance, pay utility bills or stop cheque payments all via SMS.

b) The eligibility criteria: Any resident individual (sole or joint) or Hindu Undivided Family can open a Basic Savings Bank Deposit Account. Minimum Balance Requirement No Initial Payment is required to open a 'Basic Savings Bank Deposit' account and No Average Monthly Balance needs to be maintained.

8. Institutional Savings Account:


a) The features and benefits: You can also use our vast branch network for collection of donations, fees etc. The collections will be facilitated by our Cash Management Services team. Online payments like salary payments, vendor payments etc can be facilitated through our corporate payment software Enet Bank conveniently with facilities like Net Banking, Phone Banking and Mobile Banking check your account balance, pay utility bills or stop cheque payments all via SMS. You can also avail free monthly account statements OR option to avail Daily / Weekly /Monthly statements on email. Zero balance account Free & unlimited Demand Drafts at HDFC Bank locations Payable at Par cheque book with no usage charge Free Outstation Cheque Collection at HDFC Bank locations across the country We shall ease out collections of fees, donations etc through various online modes by linking this account with our Payment Gateway, POS terminals, Payment Kiosk etc.

b) Eligibility for Institutional Account: Primary Co-operative Credit Society which is being financed by the bank. Khadi and Village Industries Boards. Agriculture Produce Market Committees. Societies registered under the Societies Registration Act, 1860 or any other corresponding law in force in a State or a Union Territory except societies registered under the State Co-operative Societies Acts and specific state enactment creating Land Mortgage Banks. . Companies governed by the Companies Act, 1956 which have been licensed by the Central Government under Section 25 of the said Act, or under the corresponding provision in the Indian Companies Act, 1913 and permitted, not to add to their names the words Limited or the words Private Limited. Institutions other than those mentioned in clause(i) below and whose entire income is exempt from payment of Income-tax under the Income-Tax Act, 1961. Government departments / bodies / agencies in respect of grants/ subsidies released for implementation of various programmers / Schemes sponsored by Central Government / State Governments subject to production of an authorization from the respective Central / State Government departments to open savings bank account. Development of Women and Children in Rural Areas (DWCRA). Self-help Groups (SHGs), registered or unregistered, which are engaged in promoting savings habits among their members. Farmers Clubs Vikas Volunteer Vahini VVV.

Clause (i): As per RBI guidelines, Savings Account cannot be opened for: Government departments/bodies depending upon budgetary allocations for performance of their functions Municipal Corporations or Municipal Committees Panchayat Samitis State Housing Boards Water and Sewerage/Drainage Boards/State Text Book Publishing Corporations/ Societies/Metropolitan Development Authority / State/ District Level Housing Co-operative Societies (6) Any political party or any trading/business or professional concern, whether such concern is a proprietary or a partnership firm or a company or an association. Entities that are not eligible to open a Savings Account can avail of our Institutional Current Account. Please walk-in to any branch to know more about the Institutional Current Ac.

9. BSBDA Small Account:


a) The features and benefits: You need not deposit an initial amount and you dont have to maintain an Average Monthly Balance. Free passbook facility for all account holders (individuals) Enjoy free cash and cheque deposits at branches and HDFC Bank ATMs Get upto 5 free cash withdrawals per month at any bank's ATM with your ATM card Use 4 free cash withdrawals per month at branches. Additional cash withdrawals at branches in the month will be charged at Rs. 50 per transaction Get your first cheque book free and subsequent cheque books at Rs. 5 per leaf

b) The eligibility criteria:

A resident individual and do not have complete KYC. To be more specific, a residential individual who does not have: Photo ID proof as per the banks acceptable list of documents. Address proof as per the banks acceptable list of documents. Listed below are the criteria required to operate a BSBDA Small Account : As a BSBDA Small Account holder you are subject to the following transactional limits: The total balance in your account should not exceed Rs. 50,000 at any point of time or The total credits in all your account should not exceed Rs. 1,00,000 at any point of time or The total withdrawals and transfers in your account should not exceed Rs. 10,000 in a month

If the balance in all your account exceeds Rs. 50,000, no further credit transactions will be permitted in your Small account till such time the balance goes below Rs. 50,000 If the aggregate of credits in a financial year exceeds Rs. 1,00,000 no further credit transactions will be permitted in your Small account till the end of that financial year If the withdrawals and transfers exceeds Rs. 10,000 no further debit transactions will be permitted in your Small account till the end of that calendar month KYC Monitoring: i. As a Small Account holder you are required to submit to the Bank: An evidence of having applied for valid KYC (as per the acceptable list of KYC specified for BSBDA Small Accounts) within 12 months of account opening Actual KYC (ID proof, Address proof and Photograph) as per the Bank's acceptable list of KYC within 24 months of account opening ii. The following documents will be treated as evidence for having applied for a valid KYC within 12 months of account opening:

BSBDA Small Account Acceptable list of documents accepted towards proof of having applied for valid KYC Documents to be established for proof of identity KYC Document Document to be accepted as evidence Passport [ not expired] PAN card Election/Voters card Driving License - Permanent (except Aadhaar card / letter issued by Government of India NREGA card. Documents to be established for proof of Address KYC Document Passport [ not expired] Driving license - Permanent (except issued by the Govt. of Maharashtra). Ration card Election card / Voters ID [if it has address]. Aadhaar card / letter issued by Government of India. NREGA card. Senior citizens card issued by the State /Central Govt. of India (if it has address). Domicile certificate with communication address issued by Municipal Corporation. Copy of application form by Ministry of External affairs - Govt. Copy of Form 49A Copy of Form 6 Copy of application form by RTO Aadhaar Acknowledgement letter issued by UIDAI (Unique Identification Authority of India) Copy of application form by NREGA

Document to be accepted as evidence Copy of application form by Ministry of External affairs - Govt. of India Copy of application form by RTO Copy of application form / Acknowledgement slip Copy of Form 6 Aadhaar Acknowledgement letter issued by UIDAI (Unique Identification Authority of India) Copy of application form by NREGA Copy of application form / Acknowledgement slip issued by the State /Central Govt. of India Copy of application form / Acknowledgement slip issued by Municipal Corporation