Documentation

Sr. No.	Features	Documents
1.	Accounts of any one of individual/ HUF – Legal name or any other name used	(i) Passport (valid) (ii) PAN card (iii) Voter’s Identity Card (iv) Driving license (valid) (v) Indian Post ID (vi) Government Identity card (subject to the bank’s satisfaction) (vii) Letter from a recognized public authority or public servant verifying the identity and residence of the customer to the satisfaction of the Bank (viii) Employee ID Card (in case of corporate salary accounts only) with one more identity proof (ix) Photo Debit / Credit card (valid) (x) Other Bank’s signature verification (xi) HUF declaration signed by Karta and Major coparceners including details of minor coparceners along with date of birth (xii) Marriage Certificate/Nikahnama for Women (along with identity document in Maiden name and valid address proof of the spouse) (xiii) Defense Dependent’s Card (xiv) Defense Ex-Service Man Card issued to defense Employees (xv) Citizenship Card issued in North Eastern States for ISA, (xvi) if these details are available in the card. OR Introduction by existing customer who is an account holder with the Chandigarh State Cooperative Bank Ltd., Chandigarh for more than 6 months with satisfactory conduct of account
	Correct Permanent Address	i) Telephone bill in the name of the customer ii) Bank account statement or passbook iii) Letter from any recognized public authority iv) Electricity bill v) Ration card vi) Municipal Corporation Bill vii) Letter from employer only public and private limited companies (subject to satisfaction of the Bank) viii) Existing house registered lease agreement on stamp paper (in case of rented / leased accommodation or shifting / transfer of residence only) (In case of Corporate salary accounts notarized lease agreement is allowed) (Anyone document which provides customer information to the satisfaction of the bank will suffice). List of documents that can be taken as ISA (Identity, Signature and Address) proof are mentioned in LIST A & LIST B. i) Ration card ii) Municipal Corporation Bill iii) Letter from employer only public and private limited companies (subject to satisfaction of the Bank) iv) Existing house registered lease agreement on stamp paper (in case of rented / leased accommodation or shifting / transfer of residence only) (In case of Corporate salary accounts notarized lease agreement is allowed) (Anyone document which provides customer information to the satisfaction of the bank will suffice). List of documents that can be taken as ISA (Identity, Signature and Address) proof are mentioned in LIST A & LIST B.
2.	Minor Accounts	Copy of any one of the following : i. Birth Certificate issued by Municipal authorities ii. Passport iii. Pan Card iv. 10th or 12th Mark Sheet v. Bonafide school leaving certificate confirming the age of Minor vi. Report card signed by Class Teacher / Principal / Vice-Principal showing date of birth. vii. School ID card with Photo and Date of Birth mentioned duly signed by school authorities (Principal/Vice-Principal). viii. Letter from College/School/University attesting the identity and signature (letter should have the photograph of student with his signature) ix. Letter from College/School/University confirming the address as per their record
3.	Non-Resident Indian(NRI) Customers	Copy of : i) Valid Passport & Valid Resident / Employment ii) Visa for NRI / NRO Accounts. iii) Copy of telephone bill confirming the address of the company iv) Local banker of the NRI In case account opened in person: Additional documents to be taken for the following individual accounts are given below: 1. Valid Passport with overseas resident address or work permit (i.e. Green Card as residence permit for USA, H1 Visa as work permit for USA or Honk Kong ID card for residence of Hongkong) 2. If the visa is not stamped in the passport (as is the case with some of the European countries) copy of the resident permit issued by their immigration authorities 3. Separate proof of Non Resident status if the passport holds Indian Address and resident Visa permit is not included in passport. 4. PIO (person of Indian origin) Card issued by the Government of India in case of foreign passport. If PIO card is not available, self declaration by the customer. 5. In case the Indian nationality / origin cannot be ascertained based on the documents submitted, a self declaration giving details of the Indian Origin confirming the city and state of birth in India. 6. Photograph of individual account holder. 7. For persons employed with foreign shipping company: a. Initial work contract b. Last wage slip c. CDC (Continuous Discharge Certificate) d. Employment contract / letter on the letter head of the agent wherein, the overseas address of the shipping co / airline is prominently displayed. For contract employees: 1. Last work contract 2. Letter from local agent confirming next date of joining the foreign vessel (not more than six months of date of last return to India) 3. Principal’s overseas address or current work contract. In case of documents sent by mail: 1. All document / signatures to be attested by any one of the following: i) Indian embassy ii) Overseas Notary
4.	Senior Citizens	Copy of : i) Passport ii) Driving License iii) Ration Card iv) Pension Card v) Government ID Card vi) School Leaving Certificate vii) Life Insurance Policy viii) Birth Certificate
5.	Accounts of Companies	Documents to be taken i) Name of The company ii) Principal Place of business iii) Mailing address of The company iv) Telephone/ Fax Number v) Certified true copy of commencement of business vi) Certified true copy of Certificate of incorporation vii) Certified true copy of Articles of Association and viii) Certified true copy of Resolution of the Board of Directors to open an account and identification of those who have authority to operate the account ix) Certified true copy of Memorandum of Association x) Resolution to be certified by Company secretary and One director who has attended the said meeting and xi) Power of Attorney granted to its managers, officers or employees to transact business on its behalf. And xii) Copy of PAN Card. xiii) In case of change in directors – Form 32 issued by Registrars of Companies (ROC) showing the new directors along with the receipt of confirmation of submission to ROC (mandatory). Or latest annual returns where the directors names are listed and filed with ROC. xiv) In case of change in the registered address of the company – Form 18 issued by ROC along with receipt of submission to ROC (mandatory). xv) Passport size photographs of directors / authorised signatories and xvi) Complete address of the directors / authorised signatories xvii) Documents for Identity and Signature check of the authorised signatories / directors (any one from List A and List B) xviii) NOC from the Lending Banker if customer enjoys Credit facilities. xix) Existing Bank statement from current banker xx) Introduction by Existing Current Account holder who is holding an account with cstcb Bank for more than 6 months & with satisfactory conduct of account.
	Accounts of Trusts & Foundations	i) Names Of trustees, settlers, Beneficiaries ii) Signatories Names and Addresses of the founder, iii) The managers / directors And Beneficiaries Telephone/ Fax numbers iv) Certificate of registration, if registered v) Certified True copy of the Trust De vi) POA granted to transact business on its behalf vii) Any officially valid document (documents specified viii) for identity and signature checks as per List A & List B for this purpose) to identify the trustees, settlers ix) beneficiaries and those holding Power of Attorney, founders / managers / directors and their addresses x) Resolution of the managing body of trust / foundation xi) Copy of Bye-laws xii) Passport size photo of trustees / authorised seniorities xiii) Documents for ISA check of the authorised signatories xiv) IT Exemption letter (for charitable institutions) xv) PAN NOC from the Lending Banker if customer enjoys Credit facilities ISA check of Trustees is not necessary. ISA check is required for all authorized signatories
6.	Accounts of Societies, Clubs and Associations	Documents to be taken i) Names Of Societies, Clubs and Associations Beneficiaries ii) Signatories Names and Addresses of the Societies, Clubs and Associations iii) Societies, Clubs and Associations Telephone/ Fax numbers iv) Certificate of registration, if registered v) Certified True copy of the Byelaws vi) Power of Attorney granted to transact business on its behalf vii) Any officially valid document to identify the Signatories, and those holding Power of Attorney, founders/managers/ directors and their addresses. viii) Resolution of the managing body of the Societies/ Club / Association ix) Telephone bill confirming address x) PAN Card xi) NOC from the Lending Banker if customer enjoys Credit facilities
7.	Power of Attorney (POA) Holder/ Mandate Holder	i) Mandate letter signed by the all customers along with the signature of Mandate holder ii) For POA, duly certified POA agreement along with the signatures of both customer & POA holder iii) Identity document of the Mandate / POA Holder iv) Photograph of Mandate / POA holder
8.	Sole Proprietorship Accounts	i) Proprietor’s complete Identification, Signature and Mailing Address proof documents along with Telephone Number confirmation ii) Existing current account Bank statement in the same name of the firm) confirming existence of the Firm iii) Telephone bill confirming address iv) NOC from the Lending Banker if customer enjoys Credit facilities v) PAN card with mailing address proof if the initial deposit is in cash vi) Introduction by Existing Current Account holder who is holding an account with the Chandigarh State Cooperative Bank Ltd., Chandigarh for more than 6 months and with satisfactory conduct. Any Two proofs from the below for identity – i) Registration certificate/license issued by the Municipal authorities such as Shop & Establishment certificate/Trade Licence i) CST / VAT /Service Tax Certificate or letter of registration for CST / VAT /Service Tax. ii) Certificate/Registration document issued by Service Tax/Professional Tax authorities iii) Registration certificate (in the case of a registered concern) iv) IEC (Importer Exporter Code) issued by DGFT v) Certificate / Registration documents issued by Sales Tax / Service Tax / Professional Tax authorities vi) License issued by the registering authority like certificate of practice issued by Institute of Chartered Accountant of India, Institute of Cost Accountants of India, Institute of Company Secretaries of India, Indian Medical Council, Food and Drug Control Authorities, etc vii) Licence issued by Explosives Rules. viii) Certificate of registration under any specific Statute / Act of the government ix) IRDA (Insurance Regulatory and Development Authority) licence in the name of the entity with address mentioned x) Valid Business Licence or certificate of registration issued by State / Central government authority (Validity would include the grace period for renewal as mentioned in the certificate). xi) Permission Issued by respective government authority for units in SEZ (Special Economic Zone), STP (Software Technology Park), EOU (Export Oriented Unit), EHTP (Electronic Hardware Technology Park), DTA (Domestic Tariff Area) and EPZ (Export Processing Zone) in the name of the entity mentioning the address allotted xii) Registration certificate of recognized Provident Fund with PF commissioner xiii) Factory Registration certificate issued by any state/central government authority xiv) RBI/SEBI Registration Certificate xv) Licence to sell stock or exhibit for Sale or distribute Insecticides, under the Insecticides Rules, issued by respective state /union government department. xvi) Permission issued by village Administrative Officer/Panchayat/Head/Mukhiya/Village Developmental officer/Block development officer or Equal Rank officer for customers in rural / village areas and President/CEO if document issued by Nagar Parishad/Zilla Parishad. xvii) Letter/Certificate/NOC issued by village Administrative Officer/Panchayat Head/Mukhiya/ Village Developmental Officer / Block Development Officer or Equal Rank officer for customers in rural / village areas and President/CEO if document issued by Nagar Parishad / Zilla Parishad stating the details of existence of the firm may be accepted. In such cases, (wherever permission is not available), CPV by a bank staff shall be mandatory. xviii) Registration Certificate issued by District Industries Center for firm registered as SSI/Micro/Medium Unit. xix) Licence issued under Contract Labour (Regular & Abolition) Act 1970 xx) Licence issued by police department under the provisions of State Police Acts xxi) Latest Income Tax Return filed in name of proprietor, provided the name of firm shall reflect on the ITR 4 Form filed. The name generally appears on page –2 xxii) Acknowledgment of ITR 4 return may be accepted provided the name of the firm is mentioned on the acknowledgment xxiii) Latest Sales Tax Returns filed in name of firm (CST/VAT/Service Tax/Profession Tax) duly acknowledged xxiv) TAN Allotment Letter in name of firm only. The same shall not be acceptable if issued in the name of the proprietor. Print out of online TAN registration details shall also be accepted xxv) Latest available Income Tax Wealth Tax Assessment order along with print out from PAN website confirming the PAN number & name of entity xxvi) Latest property tax / Water tax bill / Utility bill or receipt in the name of the firm issued by local government authorities or the service provider. In case of telephone bill the bill needs to be for a landline connection xxvii) Certificate issued by the Chartered Accountant confirming existence of the firm. The name of the Chartered Accountant would need to be validated from the Chartered Accountants directory. This would need to be accompanied by a site visit conducted by a permanent bank staff xxviii) Registration Certificate /Licence issued by Rubber Board/Spices Board/Tea Board /Coffee Board/Coir Board/Tobacco Board /Notional Jute Board/Pollution Control Board xxix) Licence issued by Agriculture Produce Marketing Committees (APMC)/Gramin Mandis/KVIC.(Any two of the above documents would suffice. These documents should be in the name of proprietary concern)
9.	Feature Government Accounts	i. General circular from the concerned dept. within the respective state/province stating that the above office official is authorized to function as DDO (drawing & disbursal officer), And ii. Engineer)/BDPO (Block Development & Panchayat Officers/DDPO (Dist. Development & Panchayat Officer): iii. Letter of Intent signed by Executive Engineer / SDO / BDPO / DDPO to open an account with the Chandigarh State Cooperative Bank Ltd., Chandigarh or iv. The immediate officer (reporting authority) would issue a letter confirming that an official is authorized to open and operate the account, And v. Letter of Intent signed by Executive Engineer / SDO / BDPO / DDPO to open an account with the Chandigarh State Cooperative Bank Ltd., Chandigarh
10.	A.) Accounts of Executive Engineers/SDO (Assistant Accounts of SDM/Deputy Commissioner: B) Account in the name of SDM or Deputy Commissioner:	i. Account necessarily to be in the name of SDM or Deputy Commissioner of the sub division or city as the case may be. 1. Letter of Intent signed by SDM / DC to open an account with the Chandigarh State Cooperative Bank Ltd., Chandigarh , And ii. Government order / circular confirming the name and designation of SDM / DC
11.	Account in the name of Estate Officer	If SDM and DC hold charge of the Estate Office, then i. Letter of Intent signed by SDM / DC to open an account with the Chandigarh State Cooperative Bank Ltd., Chandigarh and, ii. Letter confirming that the Deputy Commissioner works as the Estate Officer, And iii. A copy of a circular / order confirming the same that ‘Mr. XYZ transferred as DC cum Estate officer of the city / or SDM cum Estate Officer of the city…” Additionally (not mandatory) 1. of authorized signatories 2. Self-signed Cheque All accounts need to be signed by Branch Head confirming that they have met the concerned officials

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