Account Opening Form

for Non Resident Indians

NRI Banking Services

Instructions for filling up this form

1. Please fill in the form completely using ball point pen and in Capital Letters
2. All applicants are required to sign the form and affix photographs in the spaces provided on the form
3. Please ensure that your preference of branch is mentioned on the form.Any alterations on the form will need full signatures of the applicants
4. Please attach the documents as per the checklist provided below and enclose a cheque equivalent to ` 10,000 or more from your account in India or overseas. The cheque / draft
should be in favor of YES BANK LTD –A/C (Your Name). Please do not send cash with your account opening documents
5. In case you want to fund your account by the way of demand draft, then attach proof showing that DD was purchased by you
6. All photocopies have to be attested by YES BANK officials / Your Banker / Notary / Indian Embassy/ Yourself (Self attestation). Please ensure that the signature on the form is the
same as on your passport and the documents submitted along with the form
7. Please fill up the mandate form to add your family member as a Mandate holder to the account
8. Please send in the completed form along with the documents and the account opening cheque to any YES BANK branch/Representative Office. Do not send the account opening
cheque if using P.O. Box Service for sending your form and documents

Documents required for Account Opening

In addition to the form you must submit the following;
(If you are meeting a YES BANK official)
(A) Passport
Photocopy of the relevant pages of the passport showing your personal details, address, photograph and signature.
(B) Status Proof:
In case you are a Non Resident Indian (NRI) OR In case you are a Person Of Indian Origin (PIO)
- Valid VISA (including E-Visa) / IKAMA (GCC)/ I-797 Notice of Action / Iqama for − Overseas Citizen of India Card/PIO Card or
Saudi Arabia/Residence Permit for USA and Singapore/Residence Card for − Fill in the self declaration for PIO in the form
Oman & Qatar / Citizen ID Card for Kuwait / Green Card / Naturalization
Certificate /Advance Parole / F -1 / F -2

(C) Identity Proof (Any One)

− Valid Passport − Voter’s ID Card
− PIO/OCI Card (Applicable only in case of PIOs) − Aadhaar Card/Letter issued by unique identification authority of India
− Valid Driving License − E-aadhar Card downloaded from UIDAI website
− PAN Card
(D) Permanent Address Proof (Any one)
− Passport − Aadhaar Card/Letter issued by unique identification authority of India
− Overseas Citizen of India Card/PIO Card − E-aadhar Card downloaded from UIDAI website
− Valid Driving License − National Rural Employment Guarantee Scheme (NREGA) card
− Voters ID Card

(E) Mailing Address

In case mailing address is different from the permanent address, kindly provide any one document from the list given below:
− Valid Photo ID Cards issued by GovernmentAuthorities − Abankers verification letter
− Photocopy of Bank Statement/Passbook with another Scheduled commercial − Company Transfer/Employment Letter
Bank in India ( not more than 4 months old) − Latest available acknowledged copy of Income Tax / Wealth Tax / Sales tax /
− Utility Bill (Electricity /Telephone/Mobile /Piped Gas/Broadband/Water Bill issued Excise Tax / Service Tax Return/Assessment order (not more than 1 year old)
by Municipality) (not more than 3 months old ) − Valid photo ID cards issued by Foreign Governments
− Letter from Housing Society (Only for owners) − Marriage Certificate / Nikahnama - For Women (Along with officially valid
− Registered Leave and LicenseAgreement documents as Identity and address proof in Maiden name)
− Credit Card Bill along with copy of credit card (not more than 3 months old) − Downloaded copy of one month E-Statements (not more than 4 months old and
− One month bank account statement on bank’s stationery (not more than 4 months with at least one customer initiated transaction) attested by the issuing bank
old) with at least 1 customer initiated transaction. − National Identification Card (NIC) issued in Mauritius
− One month DP account statement on bank’s stationery (not more than 3 months
old) with atleast 1 customer initiated transaction.

01
 Additional Documents required if you have not met any YES BANK official
+ The customer to get copies of supporting documents duly attested by Indian Embassy or High Commission or Bankers verification..
OR
+ Customer to self certify the copies of documents and furnish any one additional identity proof self signed by the customer.

Mandate Holder Documentation

If a Mandate Holder needs to be added to the account then please submit an Identity proof, Address proof and Signature proof (Not required if the current passport has signature) of the
mandate holder. The Mandate holder should self attest the photocopies of all his / her documents submitted as documentary proof.
In case you are sending the form directly from overseas you will need to send the mandate letter to your appointed Mandate holder in India.
The appointed mandate holder will need to submit the completed form along with the documents in person at any of the YES BANK branches in India. The mandate holder should carry
his / her documents in original for verification purpose.

Seafarers Account

Person going on a new fresh contract:

+ Copy of Passport with Visa ( first four pages of passport as well as the page indicating last date of arrival in India OR Copy of Passport and separate proof of NRI Status if Visa /
Permit is not included in the passport
+ Valid Contract Copy orArticles ofAgreement
+ Continuous Discharge Certificate(CDC) booklet copy or Seaman's Record Copy with the customer's name, other details, the latest discharge stamping (optional if contract valid)
+ Mailing address proof required as applicable to Resident Individual KYC. Overseas address proof not required

Additional documents to be provided in case the customer is a Permanent Employee

+ Initial work contract &
+ Last wage slip (within last 6 months)
If the Customer is a Contract employee: Then he also needs to provide last work contract valid as on date.

Person who has just returned from a contract & is on a break:

+ If last contract letter has expired within last 9 months, the same would be accepted without need of new contract letter confirmation from local agent (a local agent is an individual /
entity which co-ordinates and helps placement of seafarers in shipping companies), provided CDC is valid (as on date of account opening), as CDC is a sufficient proof of NRI
status.
+ If customer does not have CDC but holds a valid VISA, then last contract letter will be accepted as above, if passport shows immigration seal within last 6 months.
+ If the contract letter has expired prior to 9 months, letter from local agent confirming next date of joining vessel or current work contract letter will be required.
+ Seafarers Declaration (Provided in theAccount Opening Form)

In addition:
+ CDC copy not mandatory for crew members employed with cruise liners
+ Since this is a seafarer account, current overseas address proof is not mandatory; however permanent Indian address proof would be mandatory.

Definitions:

a. Politically Exposed Persons (PEPs): Politically exposed persons are individuals who are or have been entrusted with prominent public functions in a foreign country.
Examples of PEPs include, but not limited to :(i)Heads of States or of Governments (ii) Senior politicians (iii)Senior government/ judicial/ military officers (iv) Senior executives of
state-owned corporations (v) Important political party officials(vi) Senior Indian Diplomatic personnel posted outside the country
The term PEP also includes the families and close associates of the PEPs mentioned above.
b. Families: The term families includes close family members such as spouses, children, parents and siblings and may also include other blood relatives and relatives by marriage.
c. Close associates: The term closely associated persons in the context of PEPs includes close business and personal advisors / consultants to the PEP as well as persons who
obviously benefit significantly from being close to such a person.
d. Person of Indian Origin: FEMAdefines a person of Indian origin (PIO) as a person, being a citizen of any country
(a) who at any time held an Indian Passport or
(b) a person who himself or either his parents or any of his grandparents were citizens of India by virtue of the constitution of India or the citizenship act 1955 or
(c) spouse of an Indian citizen or
(d) spouse of a person covered under (a) or (b) of above
However citizens of Bangladesh and Pakistan are not considered as PIO under FEMAeven if they satisfy the above conditions.

02
 ACCOUNT OPENING FORM
FOR NON RESIDENT INDIVIDUALS
(To be filled by applicant only)

(Please fill the form in BLOCK LETTERS only - All fields marked "*" are MANDATORY.)
(FOR BANK USE ONLY)

Branch Source Code No. of applicants

Branch Code A/c No.

Product Code 1 Product Code 2 Product Code 3 Product Code 4

If you have an existing relationship with us, please mention your Customer ID Number.
Cust Id Please specify your Residency Status:
First Applicant NRI PIO Foreign National
Second Applicant NRI PIO Foreign National
1st Applicant Personal Details
*First Applicant:
(Same as in Passport) Title First Name Middle Name Last Name

*Date of Birth: D D M M Y Y Y Y *Short Name:

* Mother's Maiden Name: *Gender: Male Female Third Gender
*City of Birth: *Date of becoming Non-Resident D D M M Y Y Y Y *Are you a PEP or related to one? Yes No
*Country of Birth: If you reside in the US give us your Social Security No:
*Father's Name:
*Spouse's Name:
Aadhaar Card Number:
* Email ID:
(In Capital Letters)
*Passport No.: * Nationality:
*Date of Issue: D D M M Y Y Y Y *Place of Issue: *Expiry Date: D D M M Y Y Y Y

*Type of Visa:
nd
[Incase the applicant is a minor please mention guardians name in the 2 applicant’s name.]

Current Overseas Address (Optional for Seafarers, mandatory for others)

*City: *State:
*Country: *Postal/Zip Code:
Landmark:
Tel No.:(Res.) Tel No.:(Off.)
Countrycode Areacode Number Countrycode Areacode Number
*Mobile No.: Fax No.:
Countrycode Number Countrycode Areacode Number

Permanent Address (Mandatory)

*City: *State:
*Country: *Postal/Zip Code:
Landmark:
Tel No.:(Res.) Tel No.:(Off.)
Countrycode Areacode Number Countrycode Areacode Number
*Mobile No.: Fax No.:
Countrycode Number Countrycode Areacode Number

03as:
Please indicate if you want your mailing address to be same Permanent Address Overseas Address
If you want a separate mailing address, kindly provide the same below: 03
st
Please note that all communication including your cheque book, Debit Card, PIN Mailer and statement of accounts will be sent to the mailing address of 1 Applicant.

*City: *State:
*Country: *Postal/Zip Code:
Landmark:
Tel No.:(Res.) Tel No.:(Off.)
Countrycode Areacode Number Countrycode Areacode Number
*Mobile No.: Fax No.:
Countrycode Number Countrycode Areacode Number
03
 1st Applicant* Occupation & Account Activity:
Marital Status: Married Single Minor: Yes No
Residence Type: Company Provided Rented Self Owned Family Owned Others

No. of years in Foreign Country upto 2 years 2-5 years over 5 years
Occupation Type Salaried Self-employed Business Student Seafarer Others

a) If salaried, employed with Public Ltd. Company Govt. Private Ltd. Company PSU Others

b) If Self-employed, profession CA Doctor Trader Lawyer Exporter/Importer Engineer Others

c) If in business Public Limited Private Limited Proprietorship Partnership Others

Annual Income (` in lakhs) Less than 0.5 0.5 to 5 5 to 15 15 to 25 25 to 50 Greater than 50

st
1 Applicant - The Person Of Indian Origin (PIO) Declaration (If applicable)
I hereby declare that I am a Person of Indian Origin and confirm that: (Please pick a choice applicable to you)
I held an Indian Passport in the past
(name)
I/ my father / mother/ grandfather / grandmother _________________________________________ is / was a citizen of India by virtue of the Constitution of India or the
Citizenship Act, 1955
(name)
I am a spouse of an Indian citizen _________________________________________
(name)
My spouse _________________________________________ held an Indian passport in the past.
(name)
My spouse or my spouse’s father/ mother / grandfather / grandmother _________________________________________ of is / was a citizen of India by virtue of the
Constitution of India or the Citizenship Act, 1955
I am attaching herewith the supporting documents to satisfy the above declaration / I do not hold any document in support of my declaration.
I am providing below details in support of my claim ______________________________________________.

Signature:

2nd Applicant Personal Details (Guardian details incase of Minor Account)

nd
(In case the 2 Applicant is a Resident Indian than Passport & Visa details are not mandatory)
*Second Applicant:
(Same as in Passport) Title First Name Middle Name Last Name

*Date of Birth: D D M M Y Y Y Y *Short Name:

* Mother's Maiden Name: *Gender: Male Female Third Gender
*City of Birth: *Date of becoming Non-Resident D D M M Y Y Y Y *Are you a PEP or related to one? Yes No
*Country of Birth: If you reside in the US give us your Social Security No:
*Father's Name:
*Spouse's Name:
Aadhaar Card Number:
* Email ID:
(In Capital Letters)
*Passport No.: * Nationality:
*Date of Issue: D D M M Y Y Y Y *Place of Issue: *Expiry Date: D D M M Y Y Y Y

*Type of Visa: *Country of Residence:

[Visitor & Business Visas are not allowed]
Current Overseas Address (Not applicable in case 2nd applicant is a Resident Indian)

*City: *State:
*Country: *Postal/Zip Code:
Landmark:
Tel No.:(Res.) Tel No.:(Off.)
Countrycode Areacode Number Countrycode Areacode Number
*Mobile No.: Fax No.:
Countrycode Number Countrycode Areacode Number

Permanent Address (Mandatory)

*City: *State:
*Country: *Postal/Zip Code:
Landmark:
Tel No.:(Res.) Tel No.:(Off.)
Countrycode Areacode Number Countrycode Areacode Number
*Mobile No.: Fax No.:
Countrycode Number Countrycode Areacode Number
+ 2nd holder mailing address same as 1 st
applicant Yes No
04
 ACCOUNT OPENING FORM
FOR NON RESIDENT INDIVIDUALS
(To be filled by applicant only)

03as:
Please indicate if you want your mailing address to be same Permanent Address Overseas Address
If you want a separate mailing address, kindly provide the same below:
st
Please note that all communication including your cheque book, Debit Card, PIN Mailer and statement of accounts will be sent to the mailing address of 1 Applicant.

*City: *State:
*Country: *Postal/Zip Code:
Landmark:
Tel No.:(Res.) Tel No.:(Off.)
Countrycode Areacode Number Countrycode Areacode Number
*Mobile No.: Fax No.:
Countrycode Number Countrycode Areacode Number
nd
2 Applicant * Occupation & Account Activity:
Marital Status: Married Single Minor: Yes No
Residence Type: Company Provided Rented Self Owned Family Owned Others

No. of years in Foreign Country upto 2 years 2-5 years over 5 years
Occupation Type Salaried Self-employed Business Student Seafarer Others

a) If salaried, employed with Public Ltd. Company Govt. Private Ltd. Company PSU Others

b) If Self-employed, profession CA Doctor Trader Lawyer Exporter/Importer Engineer Others

c) If in business Public Limited Private Limited Proprietorship Partnership Others

Annual Income (` in lakhs) Less than 0.5 0.5 to 5 5 to 15 15 to 25 25 to 50 Greater than 50

nd
2 Applicant - The Person Of Indian Origin (PIO) Declaration (If applicable)
I hereby declare that I am a Person of Indian Origin and confirm that: (Please pick a choice applicable to you)
I held an Indian Passport in the past
(name)
I/ my father / mother/ grandfather / grandmother _________________________________________ is / was a citizen of India by virtue of the Constitution of India or the
Citizenship Act, 1955
(name)
I am a spouse of an Indian citizen _________________________________________
(name)
My spouse _________________________________________ held an Indian passport in the past.
(name)
My spouse or my spouse’s father/ mother / grandfather / grandmother _________________________________________ of is / was a citizen of India by virtue of the
Constitution of India or the Citizenship Act, 1955
I am attaching herewith the supporting documents to satisfy the above declaration / I do not hold any document in support of my declaration.
I am providing below details in support of my claim ______________________________________________.

Signature

PAN Declaration
Permanent Account Number (PAN) 1st Applicant 2nd Applicant
(please strike off whichever is not applicable)
1. My PAN is
2. I have applied for a PAN, which is not yet allotted. I understand to
advise you the PAN on receiving advice of its allotment. (copy of
application is attached and copy of Form 60/61 is attached)
3. I do not have a PAN (Please attach Form 60/61)

05
 Type of Account

Preferred city for opening account: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Preferred branch for opening account: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Please open the following Account/s under the CUSTOMER ID created as per the above information

NRE Savings Account (Non Resident External) NRO Savings Account (Non Resident Ordinary)
Amount of initial deposit : ____ ____ ___ ____________ Amount of initial deposit : ____ ____ ___ ____________
Account Variant : ____ ____ ___ ____________ Account Variant : ____ ____ ___ ____________
Average Quarterly Balance : ____ ____ ___ ____________ Average Quarterly Balance : ____ ____ ___ ____________
I/We confirm that non maintenance of the requiredAQB will attract penal charges as specified in the schedule of charges.
Do you want Mandate Facility : Yes (If Yes please fill the Mandate Form) No

NRE Fixed Deposit (Non Resident External) NRO Fixed Deposit (Non Resident Ordinary)
Tenor : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (Years) _ _ _ _ _ _ _ _ _ _ _ (Months) _ _ _ _ (Days) Tenor : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (Years) _ _ _ _ _ _ _ _ _ _ _ (Months) _ _ _ _ (Days)
Account : ____ ____ ___ ____________ Account : ____ ____ ___ ____________
Type of Deposit : Simple Cumulative Type of Deposit : Simple Cumulative
Note:All term deposits will be opened on auto renewal basis for identical periods. Please give written instruction before maturity incase auto renewal is not required.

FCNR Fixed Deposit (Foreign Currency Non-Resident) RFC Fixed Deposit (Resident Foreign Currency) (Please fill in the RFC Declaration)
Tenor : _ _ _ _ _ _ _ _ _ _ _ (Years) _ _ _ _ _ _ _ _ _ _ _ (Months) _ _ _ _ _ _ _ _ _ _ _ (Days)
Currency : USD GBP EURO JPY AUD CAD HKD* SGD*
Amount : ____ ____ ___ ____________ * Available only for FCNR Deposits
Note : All term deposits will be opened on auto renewal basis for identical periods. Please give written instruction before maturity incase auto renewal is not required.

RFC Savings Account (Resident Foreign Currency)

Currency : USD GBP Amount : ____ ____ ___ ____________

NRE Recurring Deposit Details

Debit my YES BANK NRE Savings A/C

Monthly Installment Amount `.

th th th
Tenure in months Monthly Installment date (any one): 5 15 25 of every month
Rate of Interest: __________ p.a. (Rate as applicable for Fixed Deposit for the corresponding tenure)
1. Minimum installment amount of ` 1,000 (in multiples of ` 100/- thereafter) 4. Maximum period of Recurring Deposit – 120 months
2. NRE Recurring Deposit held jointly with Resident will be operated on Former or Survivor basis 5. Interest on Recurring Deposit will be paid out on maturity
only. 6. Maturity proceeds will be transferred to the source Savings Account
3. Minimum period of Recurring Deposit
a. NRE Recurring Deposit – 12 months (and in multiples of 3 months thereafter)

NRE PIS Account (Portfolio Investment Scheme)

NRO PIS Account (Portfolio Investment Scheme)
Note: 1) Please also fill in the PIS Application Form
2) You need to have an NRE/NRO Savings account with YES BANK Ltd. to apply for a NRE/NRO PIS account
3) Incase you don't have an existing NRE/NRO Savings account, Please tick the above NRE/NRO Savings account options
Instructions for funds on maturity (to be completed for Term Deposits applications only)
On maturity principal to be credited to my Account No. or DD/Payorder to be couriered to my
communication address #
#
Interest to be credited to my Account No. or DD/Payorder to be couriered to my communication address
# Applicable for INR Deposits only
Auto Renewal. All term deposits will be opened on auto renewal basis for identical periods. Please give written instruction before maturity incase auto renewal is not
required.
If tenure is less than 1 year, please mention in days. Interest is calculated at Simple Interest and paid at maturity for tenure 6 months and below.
Interest Frequency Monthly Payout Quarterly Payout Re-Investment At Maturity*
(Tick any one) (Discounted Rate) (Half yearly for FCNR deposits only)
Maturity Instruction Auto Renew Principal Auto renew Principal Auto renew Principal & Interest Auto renew Principal & Interest
(Tick any one)
Repay Principal Repay Principal# Auto renew Principal & pay Interest# Auto renew Principal & pay Interest
Repay Principal & Interest# Repay Principal & Interest
* For tenure 6 months & below, interest is calculated at Simple Interest and paid at maturity.
#For outward repatriation of FCNR proceeds please get in touch with your respective YES BANK Branch or write to gib@yesbank.in.

Sweep-in facility required Yes No (Applicable only for NRE/NRO Deposits)

Please note that in NRE FD interest shall not be paid out for the amount availed by Sweep in before completion of one year.

In case of insufficient balance in my SavingsAccount Number please honour my cheque / allow

withdrawal by transferring funds to my SavingsAccount by breaking units of my fixed deposit.
+The maximum amount of single Fixed Deposit, which can be linked to SavingsAccount, should be less than ` 1 Crore.
+In case of more than one deposit linked to your Savings Account, system will Sweep-In-Funds from the deposit which was last linked to the Savings Account on a LIFO (Last in
First Out) basis.
+Please note that sweep-in facility is not available on Tax Saver Deposit.
06
 ACCOUNT OPENING FORM
FOR NON RESIDENT INDIVIDUALS
(To be filled by applicant only)

Mode of Funding

Enclosed cheque/DD no. ________________________ currency___________________ Amount _______________ drawn on bank name_________________________
Remittance from remitting bank ____________________ bank address ______________________________________________________________________________
and remittance reference no. __________________________ of currency __________________________ and amount ________________________________________
Cash Deposit: Amount ___________________________ Currency ____________________________________________.
(To open an account with cash, the customer must deposit the cash, in person, only at the home branch)

Debit to YES BANK A/c No

The cheque should be crossed A/c Payee and drawn payable to "YES BANK Ltd. A/c Customer Name"

GL Ref No. for NRE GL Ref No. for NRO

NRE Account / NRO Account

Account Operating Instructions*

#
Single Either/Any one or Survivor* Former or Survior
NRE Account
Jointly (Debit /ATM card / NetBanking / MobileBanking access will not be issued)

Single Either/Any one or Survivor* Former or Survior#

NRO Account
Jointly (Debit /ATM card / NetBanking / MobileBanking access will not be issued)

Please Note: Cheque book of 25 leaves & 50 leaves will be issued to NRE / NRO Savings A/c holders respectively by default.
*We jointly agree and authorize YES BANK to permit premature withdrawal of the fixed deposits by either of us in the event of death of one of the deposit holder before maturity.
#
NRE and NRO SavingsA/c jointly held with resident applicant will be operated on Former or Survivor basis only.

Debit Cards (To apply for a debit card*, please tick your choice)
*NRE Account *NRO Account Debit Card Upgrade Option (For NRO Accounts only)
Silver Plus Platinum Debit Card**
First Applicant First Applicant
Second Applicant Second Applicant

* The default card offering for NREAccount is International EMV Platinum Chip Card, for NRO ExclusiveAccount is Silver plus Card and NROAdvantageAccount is Silver Card.
**In case of Upgarde to Platinum Debit Card, NRO accounts are issued Domestic Platinum Debit Cards which are disabled for International Transactions.
Annual Charges as applicable

SMS / Email Alerts and Channel Access Request

NetBanking SMS Email E-Statements
First Applicant First Applicant Mobile No.
Countrycode Number
Second Applicant Second Applicant Mobile No.
Countrycode Number
First Applicant Email ID:
(In Capital Letters)
Second Applicant Email ID:
(In Capital Letters)
I wish to receive only E-statements and discontinue all physical statements (In the absence of any tick, physical statements will be sent only annually subsequent to registering for e-statements).
• E-statements: E-statements for all accounts linked to the Customer ID of the 1st applicant will be sent on the email ID registered as per the Bank’s records. • SMS and Email Alerts: Subscription to SMS
& Email Alerts and subsequent modifications of the threshold limits can also be done through NetBanking. • Default Alerts: Any Debit / Credit of ` 5,000 or above, Weekly Account Balance, Salary
Credit & Overdraft Alerts will be communicated to A/c Holder(s). To set higher threshold amount/frequency please communicate the same to bank. • Channel Access Request: Single PIN Access
enables Debit Card PIN to be used for logging into NetBanking & PhoneBanking for the first time. Please request for the NetBanking PIN only in case you have not requested for a Debit Card.

Products and Offer Updates

It is our relentless endeavor to serve you better by bringing to you comprehensive financial solutions served with a superior service experience. The Bank will need to contact you over
telephone calls, SMSs or E-mails for matters relating to service of your account.
We are also constantly innovating and would like to keep you updated with latest relevant products, services and exciting offers that we launch from time to time. Request you to please tick
the box below so that we can continuously bring the best to you.
I want to receive updates on products and offers from YES BANK & I authorise the bank to access my CIBIL records, whenever needed for any product offered by the bank.
First Applicant Second Applicant
YES REMIT - Online Money Transfer to India (1st Applicant Only) - Not applicable to Minor under Guardian Accounts
I hereby authorize YES BANK to use any / all information, as contained in this application form, for the purpose of opening YES Remit account on my behalf in the given currency.
GBP (UK) SGD (Singapore) AUD (Australia) EURO (Euro Zone) AED (UAE) CHF (Switzerland)

Any Other Currency and Country (Please Specify)

I have read and accepted the Yes Remit Terms and Conditions- Yes No
* Please refer to the website www.yesbank.in for Terms and Conditions

Signature 1st Applicant

07
 FATCA – CRS Declaration FOR INDIVIDUALS
Details under FATCA and CRS (see instructions)
(Please consult your professional tax advisor for further guidance on your tax residency, if required)

FOR OFFICE USE ONLY

Customer ID Account Number

Tax Residence Declaration (If Yes, please fill the details below)
I am a citizen / national / tax resident of any country other than India.
1st Applicant Yes No 2nd Applicant Yes No

1st APPLICANT
SECTION A: Personal Details
Customer Details
PREFIX FIRST NAME MIDDLE NAME/LAST NAME (Please leave one space between words)

Father’s Name
PREFIX FATHER’S FIRST NAME FATHER’S MIDDLE NAME/LAST NAME (Please leave one space between words)

Residence Address for Tax Purpose ( Tick against one which is applicable)
Same as the address mentioned in Application Form / provided for Bank Record Type of the provided address ( Tick against one which is applicable)

Mailing Address Permanent Address Other (Provide detailed address below) Residential Business Registered Office

City: State:
Country: Postal/Zip Code:

SECTION B: Document submitted as proof of identity of the individual ( tick against one which is applicable and provide Identification Number)

DOCUMENT TYPE Identification Number DOCUMENT TYPE Identification Number

Passport Driving License

Voters ID Card Aadhaar Card

PAN Card NREGA Job Card

Govt. ID card Others

SECTION C: Tax Residence Declaration

Please indicate all the country/countries in which applicant/s is/are resident for tax purposes and the associated Tax ID Number below

Country# Tax Identification Number (TIN)% Identification Type (TIN or Other%, please specify)

#
To also include USA, where the individual is a citizen/ green card holder of USA.
%
In case Tax Identification Number is not available, kindly provide functional equivalent. It is mandatory to supply a TIN or functional equivalent if the country in which you are tax
resident issues such identifiers. If no TIN is yet available or has not yet been issued, please provide an explanation and attach this to the form.

08
 Under penalty of perjury, I/we certify that:
1) I/We understand that Yes Bank is relying on this information for the purpose of determining the status of the
account holder named above in compliance with FATCA/CRS. Yes Bank is not able to offer any tax advice on
FATCA or CRS or its impact on the account holder. I/we shall seek advice from professional tax advisor for any
tax questions.
2) I/We agree to submit a new form within 30 days if any information or certification on this form becomes incorrect.
st
3) I/We agree that as may be required by domestic regulators/tax authorities, Yes Bank may also be required to Signature 1 Applicant
report, reportable details to CBDT or close or suspend my account.
4) I/We have understood the information requirements of this Form (read along with the FATCA/CRS Instructions) Date : D D M M Y Y Y Y
and hereby confirm that the information provided by me/us on this Form including the taxpayer identification
number is true, correct, and complete. I/We also confirm that I/We have read and understood the FATCATerms
Place:
and Conditions below and hereby accept the same.

2nd APPLICANT
SECTION A: Personal Details
Customer Details
PREFIX FIRST NAME MIDDLE NAME/LAST NAME (Please leave one space between words)

Father’s Name
PREFIX FATHER’S FIRST NAME FATHER’S MIDDLE NAME/LAST NAME (Please leave one space between words)

Residence Address for Tax Purpose ( Tick against one which is applicable)
Same as the address mentioned in Application Form / provided for Bank Record Type of the provided address ( Tick against one which is applicable)

Mailing Address Permanent Address Other (Provide detailed address below) Residential Business Registered Office

City: State:
Country: Postal/Zip Code:

SECTION B: Document submitted as proof of identity of the individual ( tick against one which is applicable and provide Identification Number)

DOCUMENT TYPE Identification Number DOCUMENT TYPE Identification Number

Passport Driving License

Voters ID Card Aadhaar Card

PAN Card NREGA Job Card

Govt. ID card Others

SECTION C: Tax Residence Declaration

Please indicate all the country/countries in which applicant/s is/are resident for tax purposes and the associated Tax ID Number below

Country# Tax Identification Number (TIN)% Identification Type (TIN or Other%, please specify)

#
To also include USA, where the individual is a citizen/ green card holder of USA.
%
In case Tax Identification Number is not available, kindly provide functional equivalent. It is mandatory to supply a TIN or functional equivalent if the country in which you are tax
resident issues such identifiers. If no TIN is yet available or has not yet been issued, please provide an explanation and attach this to the form.
09
Under penalty of perjury, I/we certify that:
1) I/We understand that Yes Bank is relying on this information for the purpose of determining the status of the
account holder named above in compliance with FATCA/CRS. Yes Bank is not able to offer any tax advice on
FATCA or CRS or its impact on the account holder. I/we shall seek advice from professional tax advisor for any
tax questions.
2) I/We agree to submit a new form within 30 days if any information or certification on this form becomes incorrect.
nd
3) I/We agree that as may be required by domestic regulators/tax authorities, Yes Bank may also be required to Signature 2 Applicant
report, reportable details to CBDT or close or suspend my account.
4) I/We have understood the information requirements of this Form (read along with the FATCA/CRS Instructions) Date : D D M M Y Y Y Y
and hereby confirm that the information provided by me/us on this Form including the taxpayer identification
number is true, correct, and complete. I/We also confirm that I/We have read and understood the FATCATerms
Place:
and Conditions below and hereby accept the same.

FATCA-CRS Terms and Conditions

• The Central Board of Direct Taxes has notified Rules 114(F) to 114(H), as part of the Income-tax Rules, 1962, which require Indian financial institutions such as the Bank to seek
additional personal, tax and beneficial owner information and certain certifications and documentation from all our account holders. In relevant cases, information will have to be
reported to tax authorities/ appointed agencies. We may also be required to provide information to any institutions such as withholding agents for the purpose of ensuring
appropriate withholding from the account or any proceeds in relation thereto.
• Please note that you may receive more than one request for information if you have multiple relationships with YES BANK Ltd. or its group entities. Therefore, it is important that
you respond to our request, even if you believe you have already supplied any previously requested information.

FATCA-CRS Instructions

• If you have any questions about your tax residency, please contact your tax advisor. If you are a US citizen or resident or Green Card holder, please include United States in the
foreign country information field along with your US Tax Identification Number.
• In case customer has the following Indicia pertaining to a foreign country and yet declares self to be non-tax resident in the respective country, customer to provide relevant Curing
Documents as mentioned below:

FATCA/ CRS Indicia observed (ticked) Documentation required for Cure of FATCA/ CRS Indicia

1. Self-certification that the account holder is neither a citizen of United States ofAmerica nor a resident for tax purposes;
2. Non-US passport or any non-US government issued document evidencing nationality or citizenship (refer list below); AND
3. Any one of the following documents:
U.S. place of birth
a. Certified Copy of “Certificate of Loss of Nationality or
b. Reasonable explanation of why the customer does not have such a certificate despite renouncing US citizenship; or Reason
the customer did not obtain U.S. citizenship at birth
1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other
Residence/mailing address in a country
than India; and
other than India
2. Documentary evidence (refer list below)
If no Indian telephone number is provided
1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other
than India; and
2. Documentary evidence (refer list below)
Telephone number in a country other
than India
If Indian telephone number is provided along with a foreign country telephone number
1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident for tax purposes of any
country other than India; OR
2. Documentary evidence (refer list below)
Standing instructions to transfer funds 1. Self-certification that the account holder is neither a citizen of United States of America nor a tax resident of any country other
to an account maintained in a country than India; and
other than India (other than depository 2. Documentary evidence (refer list below)
accounts)

List of acceptable documentary evidence needed to establish the residence(s) for tax purposes:
1. Certificate of residence issued by an authorized government body#
2. Valid identification issued by an authorized government body# (e.g. Passport, National Identity card, etc.)

#
Government or agency thereof or a municipality of the country or territory in which the payee claims to be a resident

10
 Form DA1 Nomination Form (Please choose one of the available options) Applicable only for individuals
Yes, I/We require nomination under section 45ZAof the Banking RegulationAct, 1949 and Rule 2(1) of the Banking Companies (Nomination) Rules, 1985 in respect of bank deposits.
No I/We confirm that I/we have been explained about the benefits of nomination facility to my/our bank account by the YES BANK official. However, I/we state that in spite of the explanation of the
said benefits, I/we do not wish to nominate any person to theAccount. Request you to kindly process my/our/minor’s account opening form without the nomination facility****.

I / We . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Name(s) and address(es)
............................................................................................................................................
nominate the following person to whom in the event of my/our/minor’s death the amount of the deposit in the account, particulars whereof are given below, may be returned by YES BANK Ltd.

Deposit / Account ADDITIONAL DETAILS, IF ANY

NATURE
NOMINEE NAME (Nomination should be only in favour of an individual)

...........................................................................................................................................
Address
................................................................................................................................................
D D M M Y Y Y Y
Relationship with depositor, if any. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Age . . . . . . . . . . . . If minor, nominee’s date of birth
*As the nominee is a minor on this date, I/we appoint Shri / Smt. / Kum. (name) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (age) . . . . . . . . . . . . . . .
(Address). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
to receive the amount of the deposit in the account on behalf of the nominee in the event of my/our/minor’s death during the minority of the nominee.
I agree/do not agree for the name of my nominee to be displayed on the Fixed Deposit Advice/Statement of Accounts and/or other documents/letters.

** SIGNATURE/THUMB IMPRESSION *** SIGNATURE OF FIRST WITNESS SIGNATURE OF SECOND WITNESS

OF DEPOSITOR(S)
(Guardian’s signature if applicant is a minor) Name :. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Name :. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Date : . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Place:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ............................................. .............................................
* Strike out if nominee is not a minor **Where deposit is made/account is held in the name of minor, the nomination should be signed by a person lawfully entitled to act on behalf of the minor.
*** Witness signature are required only for cases where the customer is providing thumb impression. **** In case the customer does not opt for nomination this declaration needs to be mandatorily obtained

Terms and Conditions for Instructions to be given by Fax, Telephone and Other forms of Electronic Communications
(Only for non-financial transactions)
To,
YES BANK Limited
Not with standing anything to the contrary contained in any other document/agreement, I/we, the undersigned, hereby request and authorize you to act and rely on any instructions or
communications for any purpose (including but not limited to the instructions/communications pertaining to the operation of all my/our accounts or to any other facilities or services that
may be provided by you from time to time) which may from time to time be or purport to be given by telephone, facsimile, untested telexes and faxes, telegraph, cable or any other form
of electronic communication by me/us (including such instructions/communications as may be or purported to be given by those authorized to operate my/our account(s) with
you)("Instructions").I/We understand and acknowledge that there are inherent risks involved in sending the Instructions to you via telephone, facsimile, untested telexes and faxes,
telegraph, cable or any other form of electronic communication and hereby agree and confirm that all risks shall be fully borne by me/us and I/we assume full responsibility for the same,
and you will not be liable for any losses or damages including legal fees arising upon your acting, or your failure to act, wholly or in part in accordance with the Instructions so received.
In consideration of you agreeing, subject to the terms and conditions here under, to act upon the Instructions as aforesaid, I/we here by irrevocably agree and undertake:
That you shall be entitled to act or refuse to act as you see fit, without incurring any liability whatsoever to me or to any other person, upon any Instructions for any purpose which may
from time to time be or purport to be given by telephone, facsimile, untested telexes and faxes, telegraph, cable or any other form of electronic communication by me/us (including such
Instructions as may be or purported to be given by those authorized to operate my/our account (s)with you),even if such Instructions or Communications are not followed up by written
confirmation to you.
1) That the Instructions shall be conclusively presumed for your benefit to be duly authorized by and legally binding on us, and we shall be fully responsible for the same.
2) You shall not be responsible to ensure the authenticity, validity or source of any Instructions and shall not be liable if any Instructions turned out to be unauthorized, erroneous or
fraudulent.
3) That you shall be entitled (but not obliged) to keep records of our Instructions given or made by telephone, facsimile, untested telexes and faxes, telegraph, cable or any other
form of electronic communication in such form, physical or electronic, as you may in your sole discretion deemfit , and your records shall be conclusive and binding on me/us.
4) You shall be entitled to dispose of or destroy any such records at any time as determined by you at your sole discretion; that you shall be authorized to disclose all instructions as
you may deemfit, to your affiliates, counter parties, service providers, regulators and other authorities or where you are required by law to do so.
5) That you shall be entitled to require any Instruction in any form to be authenticated by use of any password, identification code or test as may be specified by you from Time to time
and I/we shall ensure the secrecy and security of such password, code or test and I/we shall be solely responsible for any improper use of the same;
6) That, notwithstanding the above, you may, under circumstances determined by you in your absolute discretion, require from me/us confirmation of any of any Instructions in such
form as you may specify before acting on the same; and we shall submit such confirmation to you immediately upon receipt of your request.
7) Pursuant to receipt of Instructions, you shall have the right but not the obligation to act up on such Instruction.
8) Such other terms as provided under www.yesbank.in

Signature of 1st Applicant Signature of 2nd Applicant

11
 Seafarers Declaration when on break (Not applicable for first time seafarers)
I hereby confirm that I have just returned after completion of my contract with ____________________________________________________________ (company) registered
in _________________________________________ (address of the principals). I am on a break for ____________________________ days / months and will be joining on a
new contract on / by _____________________________________________________. I request you to kindly open an NRE account in my name on the basis of the following
documents submitted,
– Passport copies indicating my previous trip abroad on my last contract
– Most recent contract copy
– Copy of the CDC Book
I also confirm that I will inform the bank in case I am unable to proceed on a new contract or choose not to go on a new contract, or in any case in the event that my status of
Non Resident Indian is altered. Accordingly, I will have the non-resident accounts opened in my name redesignated to resident / RFC accounts (as applicable).
Yours Sincerely

Signature of 1st Applicant Signature of 2nd Applicant

Introduction Details
Introducer's Name (YES BANK Customer) Customer ID

Address:

Email:

FOR INDIVIDUAL CUSTOMERS: I confirm that I am an account holder with YES BANK Ltd for over 6 months. I confirm that I personally know the applicant/s detailed
above for more than 6 months and confirm his/her identity, occupation and address as mentioned in the form. I know the applicants due to my acquaintance as
Relative Spouse Friend Colleague Others.
Date D D M M Y Y Y Y

Signature of Introducer

12
 ACCOUNT OPENING FORM
FOR NON RESIDENT INDIVIDUALS
(To be filled by applicant only)

Terms and Conditions

1) I/We hereby declare that I am/we are non-residents Indian(s) of Indian origin. I/We understand that the above availing finance or service or products from YES BANK.
account will be opened on the basis of the statements/declarations made by me/us, and I/We also agree that d. That my/our loan/investment credit facility shall be governed by the rules of YES BANK, which may be in
any of the statements/declarations made herein is found to be not correct in material particulars; you are not force from time to time. YES BANK reserves the right to reject any application without providing any reason.
bound to pay any interest on the deposit made by me/us. The account will be put in to use for bonafide 19) I / We hereby declare that only permissible credits and debits, as mandated by relevant RBI guidelines and
transactions not involving any violations of the provisions of any Government/Exchange Control Regulation. FEMA regulations, as amended from time to time, will be routed through my/our NRO account with YES BANK
2) I/We agree that no claim will be made by me/us for any interest on the deposit/s for any period after date/s of LTD.
maturity of the deposit/s. I/We agree to abide by the provisions of the Foreign Currency (Non-Resident) A/c, 20) YES BANK will recover its fees/ charges applicable on each transaction including charges required for
Non-Resident (External) Account scheme, Non-Resident (Ordinary) Account scheme. I/We hereby undertake maintaining the PIS designated account by directly debiting my NRE / NRO savings account or any other
to intimate you about my/our return to India for permanent residence immediately on arrival. account held by me with YES BANK.
3) I/We authorize YES BANK to automatically renew the deposit on the due date for an identical period (unless 21) I agree to the exclusive jurisdiction of Laws of India and courts of Mumbai for resolving any dispute that arises
otherwise specifically instructed before due date).The earlier receipt given to me will be treated as discharged out of the present arrangement.
receipt on due date. I/We understand that the interest applicable on renewals will be at the applicable ruling
rates on the date of maturity and that the renewed receipt will be made available on my/our presenting the duly 22) I/We agree, undertake and authorize:
discharged original receipt on the maturity date or later for payment. a. YES BANK or their agents to make references and enquiries relative to information in this application which
4) I/We further understand that the renewal will be in accordance with the provisions of the Reserve Bank of India YES BANK or their agents consider necessary.
scheme in force at the time of renewal. b. To notify YES BANK regarding change in my/our residence/employment address, contact number and e-
5) I/We agree that the premature withdrawal is permitted at my/our request. The payment of interest on the deposit mail id for communication as stated in the application form for opening the relationship, and provide any other
may be allowed in accordance with the prevailing stipulations laid down by the Reserve Bank of India in this information that YES BANK may require from time to time. In case the account holder fails to update the
regard. communication Address, YES BANK disclaims all liability resulting from any loss or damage due to delivery
of deliverables like Welcome Kit, cheque book, debit card, NetBanking user id/password etc to the incorrect
6) I/We shall not make available to any person resident in India, foreign currency against reimbursement in address.
Rupees or any other manner in India.
c. YES BANK to exchange, share or part with all the information relating to my/our loan/investment/credit
7) I/We would confirm that all debits to my/our accounts for the purpose of investment in India and credits facility details and repayment history information to other YES BANK Group Companies / Banks/ Financial
representing sale proceeds of investments in India are covered either by general or special permission of the Institutions/ CreditBureaus/ Agencies/ Statutory Bodies as may be required and shall not hold YES BANK or
Reserve Bank of India. the YES BANK Group Companies liable for use of this information.
8) I/We authorize YES BANK to issue an YES BANK Debit cum ATM Card to me/us. I/We acknowledge that the 23) The Terms and Conditions are as per current regulatory environment, the same are bound to change without
usage of this card is governed by the terms and conditions which are liable to be amended by YES BANK from prior notice as per changes in the regulatory framework.
time to time. I/We acknowledge that it is my/our responsibility to obtain a copy of and read the same.
24) Former or Survivor
9) I/We further unconditionally and irrevocably authorize YES BANK to debit my/our Account annually with an
amount equivalent to the fee and charge for use of the debit card. I/We hereby confirm that this account will be For NRE / FCNR (Incase resident applicant is added as joint holder):
operated singly and in case of Joint Account operated by either or survivor. I / We confirm that the attached a. Resident close relative can be added as a joint holder in NRE/FCNR accounts. 1st applicant to be an
photograph(s) is/are the present true identities of me/us. I/We authorize YES BANK to issue a Photo-Debit card NRI/PIO.
to me/us. I/We accept full responsibility to my/our debit card and agree not to make any claims against YES b. Definition of close relative will be as specified in Section 6 of the Indian CompaniesAct, 1956.
BANK in respect thereto. And that this condition applies in addition to the Terms and Conditions of Debit Card- c. Resident joint holder will not be allowed to be added as a joint holder if not given the authority/mandate to
Member agreement which governs use of my/our card(s). operate the account.
10) I/We hereby authorize issuance of ATM Card and provision of NetBanking Services and PhoneBanking d. Mandate Letter on the Account Opening Form to be executed to authorize the resident holder to operate the
Services as above. I/We undertake to ratify and confirm all that the user/(s) do/ (es) or cause/(s) to do through account.
ATM, NetBanking Services and PhoneBanking Services. This authority shall continue to be in force until
e. Joint resident holder will operate as a mandate holder and will have the operating authority as mentioned on
anyone of us revokes by a notice in writing delivered to you.
the mandate letter part of the account opening form.
11) The Bank is authorized to arrange a correspondent bank/agent for realizing the proceeds of foreign currency
f. ATM card will be issued to the joint resident holder at the sole discretion of the Bank.
cheques. The Bank will not be responsible for any loss or damage due to loss or miscarriage of the cheque(s) or
for any delays in collection, transmission and otherwise of any remittance howsoever caused. g. On death of the 1st applicant, account proceeds will be handed over to the survivor/s (Joint holders) in form of
a demand draft and the said account will be closed with YES BANK. Demand Draft will be issued in Joint
12) If the instrument(s) for collection is/are returned unpaid at anytime, the returning and other charges may be
names in case of more than one survivor.
debited to my/our account.
h. Survivor/s will have an option to open a new joint account with YES BANK and the status of the account will
13) If any cheque/draft credited to my/our account provisionally prior to final realization under your special cash
be at the discretion of survivors.
letter services is returned unpaid, the amount may be recovered from my/our account at the appropriate
exchange rate along with interest applicable at such rates as maybe decided by you. I/We undertake to refund For RFC account (Incase resident applicant is added as joint holder):
the amount, if already drawn by me/us, immediately on demand if our account does not have sufficient balance a. Resident close relative can be added as a joint holder in RFC accounts. 1st applicant to be an Individual with
to recover the amount with interest and/or any other charges. RFC status.
14) I/We hereby declare that only permissible credits and debits, as mandated by relevant RBI guidelines and b. Definition of close relative will be as specified in Section 6 of the Indian CompaniesAct, 1956.
FEMA regulations, as amended from time to time, will be routed through, my/our NRO account with YES BANK c. Resident close relative added as a joint holder will not have authority to operate the account during lifetime of
Ltd. the 1st holder
15) I/We understand that any changes in terms and conditions to this relationship would be made available to d. No deliverables will be issued to the joint holder who is a Resident close relative.
me/us on request at any YES BANK Branches. e. On death of the 1st applicant, account proceeds will be handed over to the survivor/s (Joint holders) in form of
16) I/We hereby confirm that all accounts under this Customer ID are operated singly and in case of joint account a demand draft and the said account will be closed with YES BANK. Demand Draft will be issued in Joint
operated by either or survivor/anyone or survivor(s). names in case of more than 1 survivor.
17) I/We do hereby declare that information furnished in this form is true to the best of my/our knowledge and belief. f. Survivor/s will have an option to open a new joint account with YES BANK.
18) I/We declare, confirm, and agree: 25) I/We have read and understood and hereby agree to the 'Terms and Conditions" as provided under
a. That all the particulars and information given in the Application Form are true, correct, complete and up to www.yesbank.in in respect of all products and channels. I/We have read and understood and hereby agree to
date in all respects and I/we have not with-held any information. the "Terms & Conditions”.
b. That I/we have had no insolvency initiated against me/us nor have I/we ever been adjudicated insolvent.
c. That I/we have read the application form and brochure and am/are aware of all the terms/conditions of

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Please Paste
Please Paste
PHOTO
PHOTO
of
of
2nd Applicant
1st Applicant

Please sign in black ink inside the box provided below. Photographs should be signed across by the applicants.

Signature 1st Applicant Signature 2nd Applicant

Name .............................................................................. Name ..............................................................................

D D M M Y Y Y Y D D M M Y Y Y Y
Date Date

13
 KYC Certification (Not applicable for non face to face customers)

I have met Mr./Ms Mr./Ms.

and Mr./Ms. (in case of joint account all the applicants) in person and hereby confirm the identity
and address as filled in the form, which has been filled & signed in my presence. The originals have been seen & verified by me. I confirm the bona fide of the customer(s).
Name of the Bank official Time of Meeting: Place of Meeting:

Employee Code
D D M M Y Y Y Y
Date Signature of Bank Official

FOR OFFICE Account Customer

USE ONLY No. ID
Cust Cust
IC 1 IC 2
Business BRB RB SBB EBB CBB ECB CIB CFIB CFUIB GB IFIB MCB IB ISB MFIG ABPM
Segment
Partner BRB RB SBB EBB CBB ECB CIB CFIB CFUIB GB IFIB MCB IB ISB MFIG ABPM
Segment
(If Applicable)
Sourced by Serviced by
Employee Code Employee Code

Employee Name ..................................................................................... Employee Name ....................................................................................

Signature................................................................................................. Signature................................................................................................

Liability RM Code ................................................................................... Asset RM ..............................................................................................

Special Status A/c PEP NGO No Special Status

Risk Category ......................................................................................... Signature ...............................................................................................

(To be approved by BBL/RTL)

Company Code Employee Code

Promotion Code1 Employee Cust ID

Promotion Code 2 Tracker ID

Channel Code
Signature & Cust ID ...............................................................................
Lead ID (To be signed by BSDL/BSP/SAC)

Basic Guidelines
Savings Bank Account : 1. Savings Bank Accounts are designed to help the individual customers to inculcate habit of saving money and to meet their future requirement of money. 2. The amounts can be deposited/withdrawn from these accounts by
way of Remittances / Cheques / Debit /ATM Card / NetBanking / MobileBanking. 3. The accounts can be opened by eligible person (s) and certain organizations / agencies as approved by the Reserve Bank of India (RBI). 4. Interest is presently paid on
quarterly basis depending on daily closing balance and is rounded up to the nearest rupee, provided it works out to minimum Re. 1/-. For details, refer to our website www.yesbank.in. 5. Cheques, dividend warrants drawn in the name of account holder
(s) shall only be collected through this account. Financial Instruments endorsed in favour of the account holder (s) shall not be collected. 6. No customer initiated transactions routed through the account for a continued period of 2 years shall be treated
as a Dormant Account. 7. The account holder is required to maintain certain minimum Average Balance in the account, as specified in the Schedules of Charges of the Bank from time to time. Non-compliance of this would attract service charges.
Average Quaterly Balance is calculated as -Average of End of Day (EOD) balances in the account for a period of a Financial Quarter (Apr-Jun, Jul-Sep, Oct-Dec, Jan-Mar). For Example – (EOD balance Day1+EOD balance Day2…...) / Number of days in
the Financial Quarter. 8. The Bank reserves the right to close the account in case of unsafisfactory conduct of the account. 9. For availing passbook facility please visit your home branch.

Know Your Customers guidelines: 1. While opening an account, the Bank shall satisfy itself about the address, identity of a person (s) seeking to open an account, to assist in protecting the prospective customer/s, members of the public and ourselves
against fraud and other misuses of the banking system. 2. The Bank is required to obtain recent photographs of the person (s) opening/operating the account. 3. Person / entity who has been allotted PAN number by Income Tax Department are
required to quote the number in the Account opening Forms. Others need to give a Declaration in Form 60(non-agricultural) or Form 61(Agricultural). In case of a minor who does not have any income chargeable to Income Tax, he /she shall quote the
PermanentAccount Number (PAN) or General Index Register Number (GIRN) of his father or mother or Guardian as the case may be at the time of opening an account with the Bank. 4. Latest approved list of KYC documents is available with the branch.
Kindly contact your nearest branch for the same. 5. In case of payment of balance in accounts of deceased customers to survivors / claimants, the Bank adopts safeguards as appropriate and guided by the regulators.

Nomination Facility: 1. Nomination Facility is available for accounts opened in individual capacity (i.e. single/joint accounts as well as accounts of a sole proprietorship concern) only, i.e. not for accounts opened in representative capacity. 2.
Nomination can be done in favour of one person only. 3. Nomination can be made, cancelled or varied by the account holder anytime during his/her life time. While making nomination, cancellation or variation, witness is required and the request should
be signed by all account holders. 4. Nomination can be made in favour of a minor also. 5. For the existing accounts where nomination is not made, the account holder (s) can do so by filling up form available with the branches. 6. Customers are
advised to avail Nomination Facility, if they have not availed so far.

Term Deposit Accounts 1. Premature withdrawals are allowed, unless specified otherwise, at the rate of interest applicable for the period for which the deposit has run. However, no interest will be paid on premature withdrawals of deposit which has
remained with the Bank for less than 7 days. No interest will be paid if NRE Fixed Deposit is withdrawn under sweep in before completion of 12 months. 2. Interest rates quoted are per annum and the number of days in a year are taken on actual (i.e. 366
days in a Leap Year). 3. Interest on deposits is payable either quarterly or compounded quarterly (i.e., re-investment of interest) or monthly at discounted value at the option of the depositor. 4. Interest rates are revised from time to time and displayed in
the Branches, Banks’ website and Display Board to be made known to public. 5. Revised interest rates are applicable only to the renewals and fresh deposits while existing deposit continue to get interest at the contracted rate. 6. Prepayment penalty will
be as per applicable terms and conditions. 7. Term Deposits held in Joint Names – a.Premature payment of the Term Deposit is allowed only after the request is signed by all joint depositors. Notwithstanding the aforesaid, Customer(s) agree that in case
of term/fixed deposit with “Either or Survivor” or “Former or Survivor” mandate, Bank is permitted to allow premature withdrawal of the term/fixed deposit by the surviving joint depositor on the death of the other, in case there is a joint mandate from the joint
depositors to this effect. b. If loan is sought against the Term Deposit; the loan application needs to be signed by all joint depositors. 8. On completion of the term of automatic renewal and in the absence of specific instructions from the customer
thereafter, interest will be paid at the applicable savings bank rate. In case of automatic renewal, if the customer thereafter decides to prematurely close the term deposit or renew it for a period shorter than the remaining period of the contract, the bank
will have the freedom to determine its own penal interest as per its Board approved policy. 9. In case of cumulative FCNR (B) deposits, interest rates are calculated at the applicable rate without any compounding effect for deposits up to one year and in
respect of deposits for more than 1 year, at intervals of 180 days each and thereafter for the remaining actual number of days with compounding effect.10. Interest rates quoted per annum in case of FCNR (B) deposits will be paid on the basis of 360 days
to a year irrespective of leap year. 11.No interest is payable if FCNR, NRE FD & RFC FD is withdrawn before completion of 12 months. 12. Interest on FCNR(B) / RFC deposits will be paid out only on maturity.

Recurring Deposit Accounts 1. Minimum InstallmentAmount – ` 1,000/- (in multiples of 100 thereafter). 2. Minimum Term of Recurring Deposit – NRE Recurring Deposit – 12 months (and in multiples of 3 months thereafter). 3. Maximum Term of
Recurring Deposit – 120 months. 4. The rate of interest offered on a Recurring Deposit by YES BANK will remain same for the entire Tenure of the recurring deposit i.e. the pre contracted rate will remain uniform for the entire Tenure of the Recurring
Deposit. 5. Interest on Recurring Deposits will be paid out on maturity. 6. In case of delay in payment of any installment or premature closure of the Recurring Deposit before the expiry of Tenure, the Depositor/s shall be liable to pay penal interest as per
applicable terms and conditions. Please visit our website www.yesbank.in. 7. No part premature withdrawal will be allowed for a Recurring Deposit. 8. No overdraft will be allowed against Recurring Deposit

Acopy of ‘YES BANK Citizen’s Charter’and ‘Schedule of charges’ for key information on the usage and benefits of various services/facilities offered by the Bank is available on request and on Bank’s website.
In case of any complaint relating to features of any of the product, the Grievance Redressal Cell within the bank can be approached for a resolution at , yestouch@yesbank.in and if not resolved satisfactorily within 30 days the Ombudsman appointed by
the Reserve Bank of India in charge of the region, may be approached.

14
 Mandate Letter
For authorising a person other than the account holder/s to operate the account.
ss
(Also fill incase adding Resident Joint applicant in NRE/NRO/FCNR Account) cro h
ign a ograp
S ho t
p
Date: D D M M Y Y Y Y
the Photograph of the
NRE Savings Account No.:
Mandate Holder
NRO Savings Account No.:
Account Holder’s Name:

I/We hereby request you to issue the Mandate Holder facility on the above account number to: *Date of Birth: D D M M Y Y Y Y

Name:
First Name Middle Name Last Name

PAN Details *Short Name:

Aadhaar Card Number:
*Address:

*Landmark:
*City: *State:
*Country: Pin Code*:
*Tel No.: *Mobile No.:
Countrycode Areacode Number Countrycode Number
*E-mail ID:

1. I/We hereby authorise the mandate holder

a) to draw cheques on the said account e) to certify balance confirmation statement of account issued by the Bank in respect of the
b) to deposit and/or discount cheques and other instruments in the said account and for this said account
purpose to endorse on my/our behalf cheques, drafts, pay orders and other instruments f) to give instructions in writing involving debits to the said account, transfers therefrom etc.
payable to me/us. g) to make withdrawals for investments in India where necessary permission from RBI has
c) to make NRE fixed deposits from balances available in the account in account holder(s) been obtained by me/us.
names under the same customer ID and renew such deposits for such periods as may be h) to acknowledge balance in these accounts or any transaction processed in the said account
given in writing by the mandate holder and to give a valid acknowledgment for an on our behalf.
d) to make deposits from balances available in the account in my/our names and renew such i) to sign return of income(Form 15 CA) on behalf of account holder(s).
deposits for such periods as may be given in writing by the mandate holder
2. I/We declare that as per foreign exchange guidelines issued by RBI
a) the mandate holder can exercise the authority conferred by this letter to withdrawal for local b) the mandate does not permit the mandate holder to separate funds in foreign currency from
payments only and make investment in India where I/we hold general permission or have my/ouraccounts or to make gifts on behalf of the account holder(s)
obtained specific permission from RBI
3. I/We hereby undertake that I/we and our/my mandate holder shall comply with the provisions of the foreign exchange guidelines issued by the RBI and the Foreign Exchange Management Act, 1999
and all regulations thereof including the Foreign Exchange Management (Deposit) Regulations, 2000.
4. The specimen signature of who has been authorised to operate upon the account is given below. The signature has been duly attested and verified by me/us.
5. This authority shall continue in force until I/we expressly remove it by a notice in writing delivered to you.
6. I / We do not want to issue Domestic Debit card to the Mandate holder .
OR
I / We authorise YES BANK Ltd., to issue a Domestic Debit card to the Mandate holder as I/We agree to abide by the existing the
terms and conditions regarding the issuance a operation of the card which we confirm to read and understand. I /We hereby undertake
that I/we have made known to the mandate holders that specific uses of the Domestic Debit card as per the said Regulations and
guidelines. I/We hereby undertake to indemnify YES BANK Ltd. against any loss, damage, claim, action, proceedings, cost , charges
and expenses that may be suffered or incurred by YES BANK Ltd. on account for any activity undertaken by the mandate holder by the
use of the Domestic Debit card. Signature of Mandate Holder
Kindly note: In case no option is ticked, by default Domestic Debit card shall be issued to the Mandate Holder.

Signature of 1st Applicant Signature of 2nd Applicant

IMPORTANT
If a Mandate Holder needs to be added to the account then please submit an Identity proof, Address proof and Signature proof (Not required if the current passport has
signature) of the mandate holder. The Mandate holder should self attest the photocopies of all his / her documents submitted as documentary proof.
In case you are sending the form directly from overseas you will need to send the mandate letter to your appointed Mandate holder in India.
The appointed mandate holder will need to submit the completed form along with the documents in person at any of the YES BANK branches in India. The mandate holder
should carry his / her documents in original for verification purpose.

No charges levied for account opening ACKNOWLEDGEMENT

Customer Name: Mr. / Ms. / Mrs. / Dr. / Prof. Serial No.

Amount of Rs. ps. paid by Cheque No. Cash

Nominee Name:

Name of Bank Official ....................................................................................................................................

Date D D M M Y Y Y Y
Signature of Bank Official
Incase of Non-insta accounts, the PIN number for ATM/Debit card for carrying out transaction on the ATM will be dispatched to your mailing address by courier/post we request you to maintain confidentiality of the PIN
number and the bank would not be held liable for misuse of PIN number.
 We are YES BANK.
YES BANK is built on a foundation of trust, strengthened by knowledge, backed by cutting-edge technology, governed
by transparency and committed to responsible banking. It is our continuous endeavor to provide you with innovative
financial solutions to meet all your banking needs, while offering you a consistent & superior service experience.

YES FOR YOU!

For more information:

YES TOUCH PhoneBanking Number:

Toll Free number from USA / Canada: 1877 659 8044 UK: 808 178 5133 UAE: 8000 3570 3089

BRB_263_July_04_16
1800 2000 (Toll Free for Mobile & Landlines in India) +91 22 30993600 (When calling from Outside India)

SMS “Help” space <CUST ID> Log on to our website Email us at

to +91 92233 90909 www.yesbank.in/gib gib@yesbank.in

860 Branches Pan India | 1,625+ ATMs | 15,400+ YES BANKers

th
Registered Office: Nehru Centre, 9 Floor, Discovery of India, Dr. A.B. Road, Worli, Mumbai- 400018. India.
Website: www.yesbank.in Email: gib@yesbank.in

For a complete list of Branches and ATMs, visit http://www.yesbank.in/branches

Check YES BANK offers at www.yesbank.in/offers