INDIVIDUAL ACCOUNT OPENING FORM

FOR RESIDENT INDIANS

Application Date
D D M M Y Y Y Y
• Please complete this form in Black Ink and in CAPITAL LETTERS or where applicable
• Initial Payment in cash is accepted only at IDFC FIRST Bank branches • Account opening cheque should be in favour of the account holder only
Customer ID (If applicable) CKYC Number (If applicable)
TELL US ABOUT YOURSELF
Applicant Name

TITLE FIRST NAME MI DDL E NAME L AS T NAME

Date of Birth Gender Male Female Third Gender
D D M M Y Y Y Y
Marital Status Married Unmarried Others Citizenship (Applicable
for other than India)
Applicant Maiden Name

TITLE FIRST NAME MIDDL E NAME L AS T NAME

Place of Birth Country of Birth

For Tax Residents of countries in addition to India, please complete below:

Country of Tax Residence Foreign Tax Identification Number TIN Issuing Country

Separate annexure to be executed in case of dual country of tax residence

Overseas Jurisdiction Address Type Address is same as Officially Valid Document Address is same as communication
Address is different (Please update Overseas Jurisdiction Address separately)
Father’s Name (Mandatory, if customer does not have PAN) Spouse Name

TITLE FIRST NAME MI DDL E NAME L AS T NAME

Mother’s Name (As per OVD, no proof required)

TITLE FIRST NAME MI DDL E NAME L AS T NAME

PLEASE HELP US WITH DETAILS OF ONE OR MORE DOCUMENTS BELOW

Aadhaar No. PAN* Form 60
*If you have a PAN it is mandatory to provide details to the bank at the time of opening an
account. If you do not have a PAN, please complete a Form 60.

Voter ID

Driving License Expiry Date

D D M M Y Y Y Y
Passport Expiry Date
D D M M Y Y Y Y
PIO/OCI Card Expiry Date
D D M M Y Y Y Y
NREGA National Population Register

PLEASE COMPLETE YOUR ADDRESS AS MENTIONED IN YOUR OFFICIALLY VALID DOCUMENT

Aadhaar Passport Driving License Voter ID
Line 1
Line 2
Landmark
(If any)
City State Pin Code

ADDRESS FOR COMMUNICATION (No proof required)

Same as Above This is my Residence Place of Work
Line 1
Line 2
Landmark
(If any)
City State Pin Code

HOW WOULD YOU LIKE US TO REACH YOU?

CB/01/08-2019

Mobile No. (91) Landline No. (91)

(STD Code) (Number)
E-mail ID
(Fill in
CAPITAL LETTERS.)
1

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 TELL US WHAT YOU DO FOR A LIVING

Occupation Salaried Select Anyone Public Private Government

Corporate Name

Self Employed Professional Doctor/CA/Architect/Lawyer/Consultant Entertainment/Alternate Medical Practitioner/Beautician

Self Employed Business Sole Proprietorship Partnership/Company No of Years in Business < 5 yrs > 5 yrs

Homemaker Retired Farmer Politician Student Minor

Source of Income Salary Business Professional Fees Investments Agriculture Family Wealth
Gross Annual Income (INR)

Please execute the GST annexure if you are registered or exempt under GST

WHICH OF OUR PRODUCTS WOULD YOU LIKE?

Savings Salary Reimbursement Senior Current

Truly One Account BSBDA I/We hereby declare that we are not holding any BSBD account in any other bank.

DEBIT CARD
Do you need an Debit Card Yes No
You may fill in how you would like your name to appear on your Debit Card (if different from the name on your account)
Salary Account Debit Card will be linked to the Reimbursement Account being opened

To enable international usage on your debit card, please use Limit Management under Debit Card section on Internet/Mobile Banking.

WOULD YOU LIKE TO CHOOSE A NOMINEE FOR THE ACCOUNT?

(Nomination under Section 45 ZA of the Banking Regulations Act, 1949 and Rule 2(1) of the Banking Companies (Nomination) Rule, 1985 in respect to Bank Accounts.)
The Nominee or Guardian (if applicable) cannot be a holder on the account.

Yes, I want to nominate the following person to whom in the event of my/our/minor’s death the amount of deposit in the
account may be returned by IDFC FIRST Bank Ltd
No, I do not wish to nominate anyone on my behalf at this moment. I understand the advantages of nomination and the consequences of not
nominating anyone to my account

Customer ID (In case an existing account holder, don’t fill address)

Nominee Name

TITLE FIRST NAME MI DDL E NAME L AS T NAME

Nominee Address Same as primary account holder communication address OR Update address as below

If the nominee is a minor**, please complete this section. As the nominee is a minor on this date, I/We appoint:
Relationship with Depositor Date of Birth
Guardian Name D D M M Y Y Y Y

TITLE FIRST NAME MI DDL E NAME L AS T NAME

Guardian Address
to receive the amount of deposits in the account on behalf of the nominee in the event of my/our/minor’s death during the
minority of the nominee. (** Where deposit is made in the name of a minor the nomination must be signed by a person lawfully entitled to act on behalf of the minor)
Please mention the nominee name in the statement/advice/passbook

I/We do hereby declare what is stated above is true to the best of my knowledge and belief.
Date Place
D D M M Y Y Y Y
WITNESS 1 WITNESS 2
SIGNATURE (Required only if applicants use thumb impressions) (Required only if applicants use thumb impressions)

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 SWEEP OUT FACILITY
I/We wish to opt for Sweep Out Facility from the Senior Account being opened
• Sweep Out is a facility which provides liquidity of a Savings Account coupled with higher interest earnings of a Fixed Deposit (FD)
• Through Sweep Out facility, savings balance from the account is transferred automatically into a Fixed Deposit, at a specific threshold limit basis product offering
• Fixed deposits are formed for default tenure of 1 year 1 day only, at applicable interest rates
• Sweep In facility is enabled by default for all FDs book through Sweep Out
• The frequency of sweep out for deposit booking will be weekly subject to availability of balance and will start next day from when the sweep out is set

DECLARATION (Please read carefully and sign at the end of this section after you have filled in all the details in the form)
1. I wish to avail the banking facilities/products from IDFC FIRST Bank Limited (“IDFC FIRST Bank”), and other products/services including Mutual Funds and/or insurance products that are offered
by IDFC FIRST Bank in its capacity as an Intermediary and I have read, understood and agree to the Terms and Conditions displayed on the website of IDFC FIRST Bank i.e.
www.idfcfirstbank.com, w.r.t. the said banking facilities and other products/services which may be amended by IDFC FIRST Bank from time to time and hosted and notified on the website of
IDFC FIRST Bank.
2. I/ have read, understood and agree to the charges/costs, mentioned in the extant Schedule of Charges pertains to the banking facilities and products as well as the facilities and/or the other
products which I wished to avail. This Schedule of Charges is also displayed on www.idfcfirstbank.com.
3. I agree to abide by and be bound by all applicable rules/regulations/instruction/guidelines issued by the Reserve Bank of India, and under the FEMA regulations, 2000 governing EEFC Accounts,
the Foreign Exchange Management Act, 1999 and Foreign Account Tax Compliance Act 2010 (to the extent applicable to India) and the Common Reporting Standards (CRS), in force from time
to time. I have declared my status as per the rules applicable under section 285BA of the Income Tax Act, 1961 (the Act) as notified by Central Board of Direct Taxes (CBDT) in this regard.
4. I authorize IDFC FIRST Bank to conduct my credit history verification with CIBIL or any other credit rating agency and acknowledge that IDFC FIRST Bank shall have the right and authority to
carry out investigations from the information available in public domain for confirming the information provided by me to IDFC FIRST Bank. I declare that I have not availed any credit facility
from any bank or have obtained NOC from such bank(s) for opening of a current account with IDFC FIRST Bank. I also hereby authorize IDFC FIRST Bank to retrieve my credit information report
with help of accredited credit rating agencies and share the same with me directly as per bank’s internal policy.
5. I agree to furnish and intimate to IDFC FIRST Bank any other particulars that I am called upon to provide on account of any change in law/statutory requirements either in India or abroad. I
authorize IDFC FIRST Bank to exchange, share or part with all the customer information/KYC documents provided herein with financial institutions/agencies/statutory bodies/other such persons
including but not limited to financial products/services providers e.g. Insurance companies, Asset Management Companies etc. for the services/products which I wished to avail and which whom
IDFC FIRST Bank has agency/distribution/marketing/referral arrangement, as may be required by IDFC FIRST Bank. I shall not hold IDFC FIRST Bank or its agents/representatives liable for
using/sharing such information.
6. I hereby declare that the information provided herein as well as in the documentary evidence provided by me to IDFC FIRST Bank (the “Customer Information”) is true, correct and complete in
all aspects to the best of my knowledge and that I have not withheld any Customer Information that may affect the assessment/categorization of the account as a Reportable account or
otherwise. I further agree that any false/misleading Customer Information given by me or suppression of any material fact will render my account liable for closure and the bank shall have the
right to initiate any action, under law or otherwise.
7. If any of the information provided here is incorrect, I hereby agree to indemnify and keep indemnified IDFC FIRST Bank, affiliates and their successors or assignees.
8. I agree and understand that IDFC FIRST Bank reserves the right to reject my account opening application form/request and/or the request for availing the services/products without assigning
any reason thereof and without being liable to me in any manner whatsoever.
9. I authorise IDFC FIRST Bank to submit applications/other relevant documents, debit my bank account and transfer funds in any form and manner for transactions in Mutual Funds/Other
investment products or do any such incidental things in pursuance of the specific instructions given by me or my Attorney from time to time for the services and/or the products I wished to avail.
I state that all the acts, deeds and things done by IDFC FIRST Bank based on such instructions shall be binding on me. I hereby agree and consent to avail other products/services including Mutual
Funds and/or insurance products and further agree to absolutely abide by all the Terms and Conditions in respect thereof.
10. I, being the Sole Proprietor of the Sole Proprietorship Concern (as mentioned above) hereby agree and consent to avail the “Truly One Account” of IDFC FIRST Bank and further agree to
absolutely abide by all the Terms and Conditions in respect thereof, as may be notified by IDFC FIRST Bank from time to time.
11. I hereby consent to receiving information from Central KYC Registry through SMS/Email on the registered number/email address shared with IDFC FIRST Bank.
12. I am fully aware that the bank sends SMS alerts on all account/card related transactions promptly on the mobile number shared at the time of account opening/updated subsequently and any
failure to update contact information with the bank may result in any financial loss in case of misuse of cards.
13. All fees/charges to be paid shall be exclusive of goods and services tax (GST), as may be applicable. IDFC FIRST Bank will provide me/us Services Accounting Code (SAC) and this will quoted
in all our invoices/credit/debit notes. IDFC FIRST Bank will determine if I/We are related party based on documents available or submitted for this purpose. IDFC FIRST Bank will determine the
location of service provided which shall be binding on me/us. I/We shall provide the Bank with the details of exemption or lower rate of tax, if any supported by relevant documents prior to
availment of services. For smooth realisation of input tax credit, I/We shall validate the invoices uploaded in the GSTN portal by the Bank between the 10th - 15th day of the month succeeding
the relevant period. In case of any discrepancies, I/We shall bring it to the notice immediately. IDFC FIRST Bank will issue invoices on a monthly basis. The contents of all the invoices, debit notes,
credit notes, etc. will be as per rules and guidelines in the GST law.
14. IDFC FIRST Bank protects the interest of its customers against any unauthorised electronic banking transaction. You may visit Bank’s website www.idfcfirstbank.com for more details in respect of
the same.
15. I understand, acknowledge and authorize that as per the provisions of Income Tax Act, Rules made thereunder and the guidelines issued by the Government/RBI in the matter, depending upon
the residential status and/or other criteria stipulated therein, the Bank may have to report the details in respect of my account(s) as per the prescribed format to the Central Board of Direct Taxes
(CBDT) or other Government Agencies to comply with the obligations as per the Inter-Governmental Agreements (IGA) in respect of Foreign Accounts Tax Compliance Act (FATCA) and
Common Reporting Standards (CRS) and / or any other similar arrangements.
16. I undertake the responsibility to declare, disclose and recertify within 30 days any changes that may take place in the information provided in the account opening form and signed by me as well
as in the documentary evidence provided by me or if any certification become incorrect.
17. I also agree that our failure to disclose any material fact known to me now or in future, may invalidate my application and IDFC FIRST Bank would be within its right to put restrictions in the
operations of my account or take appropriate action permissible under the Indian regulations for the purpose or take any other action as may deemed appropriate if the deficiency is not
updated/rectified by me within the stipulated period.
18. I agree to furnish any particulars/information that is called upon me by IDFC FIRST Bank on account of any change in law either in India or abroad in the subject matter herein.
19. In the event there is any tax demand {including interest(if any)} raised due to nondisclosure/inaccurate disclosure of information/documents on my/our part, I undertake to pay the demand
forthwith and provide the bank with all information/documents that may be necessary for any proceeding before GOI/RBI/Income Tax Authorities.

Would you like IDFC FIRST Bank or its representatives to contact you and tell you about various products Yes No
(including insurance), services and offers?
Please paste a
SIGNATURE RECENT Colour
Photograph.
NAME:
Please sign across
the photograph

Date Place
D D M M Y Y Y Y

WITNESS 1 WITNESS 2
(Required only if applicants use thumb impressions) (Required only if applicants use thumb impressions)

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 BANK USE SECTION:
*Mandatory
01. Payment Details

Amount Cash (Only at the Branch) Cashier’s Signature ____________ Employee ID _____________

Mode of IP Cheque NEFT RTGS Cheque Date

D D M M Y Y Y Y

Cheque / NEFT / RTGS Details ________________________________________________________________________________

Bank Name _________________________________________ Branch Name __________________________________________

02. Other Details
*Account Branch Code _________________ Account Branch Name ________________ *Product Code __________________
Reimbursement Product Code ___________ *Sourcing Branch Code ________________ Sourcing Branch Name ___________
*Lead Generator ______________________ Lead Warmer _________________________ *Lead Converter _________________
*Profit Center_________________________ Campaign Code _______________________ Corporate Code _________________
Customer Employee ID (applicable for salary accounts) _____________________________

Staff Family Staff Customer ID Spouse Parent Child

03. Applicable for Insta Accounts

Customer ID Account Number

04. Applicable for RM Program

Group ID Program Code RM Code

05. *Banker Certification

I have met the customer at the communication address (applicable for Household Accounts) Yes

I have met the Customer at: Residence or Place of Work Other ______________________________

I have seen and verified the Original KYC documents. Copy/Photo taken for record

The customer has Signed in my presence

Signature of Employee
Name ____________________________________________ Certification Date

Employee ID _______________________________________ D D M M Y Y Y Y

RbiCrCatg RbicrCode RbiDrCatg RbiDrCode

180 Household, MFI, TASC 189 Resident Individuals 350 Non Infrastructure 383 Other Retail

Definition of related person under GST is as under:

(a) persons shall be deemed to be “related persons” if–
(i) such persons are officers or directors of one another’s businesses;
(ii) such persons are legally recognised partners in business;
(iii) such persons are employer and employee;
(iv) any person directly or indirectly owns, controls or holds twenty-five per cent or more of the outstanding voting stock
or shares of both of them;
(v) one of them directly or indirectly controls the other;
(vi) both of them are directly or indirectly controlled by a third person;
(vii) together they directly or indirectly control a third person; or they are members of the same family;
(b) the term “person” also includes legal persons;
(c) persons who are associated in the business of one another in that one is the sole agent or sole distributor or sole
concessionaire, howsoever described, of the other, shall be deemed to be related.

Explanation I. - The term “person” also includes legal persons.

Explanation II. - Persons who are associated in the business of one another in that one is the sole agent or sole distributor or
sole concessionaire, howsoever described, of the other, shall be deemed to be related.

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