CURRENT Accounts AND CASH CREDIT Accounts RULES (2007)
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- Lauren Hood
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1 CURRENT Accunts AND CASH CREDIT Accunts RULES (2007) 1. Current accunts will be pened fr the fllwing types f custmers: a. Individuals ( Resident r Nn-Resident ) b. Sle Prprietary cncerns c. Partnership firms d. Hindu Undivided Families (HUF) e. Limited Cmpanies f. Assciatins, Clubs, Scieties,Trusts Etc., g. Executrs and Administratrs h. Liquidatrs i. Other Banks, Financial crpratins, Gvernment Department {(f) t (I) will be pened with prir apprval f Reginal ffice} 2. Cash Credit accunts will be pened as per terms and cnditins f sanctin f such credit limits. The Rules prescribed fr the current accunts will als apply t Cash Credit accunts, in additin t the sanctined terms and cnditins. 3. Significance f varius mandates applicable t individual current accunt hlders Accunts in the names f tw r mre persns with Mandate as Explanatin a. Jintly by all the Depsitrs Operatins in the accunt wuld be permitted nly under jint signatures f all the depsitrs, and, upn the death f ne f them, peratins wuld nt be allwed, as the balance is payable t the survivr(s) and the legal representatives f the deceased persn. S als fr the clsure f the accunt. b.i ii Bth r Survivr All r Survivrs Operatins in the accunt wuld be permitted nly under jint signatures f all the depsitrs as lng as all the depsitrs are alive, but upn the death f ne f them the balance will becme payable t the survivr r survivrs withut reference t the legal representatives f the deceased. When the survivrs want t clse the accunt they may d s subject t prductin f death certificate(s) f the deceased accunt hlder(s). c.i Either r survivr Operatins will be allwed by either f them during their lifetime and by the survivr when ne f them dies. Clsure f accunts and/r transfer t anther branch wuld be permitted nly at the written request f bth the accunt hlders when bth are alive. When the Survivr wants t clse the Accunt he/she shuld submit the death certificate f ther deceased accunt hlder. c. ii Anyne r survivr Operatins will be allwed by anyne f the depsitrs during the lifetime f all f them. Hwever, clsure f accunts and/r transfer t ther branches wuld be permitted nly at written request f all the accunt hlders. It als fllws that upn the death f ne f the depsitrs the balance is payable t the survivr(s) withut reference t the legal representatives f the deceased. When the survivrs wants t clse the accunt it can be dne subject t prductin f death certificate(s) f the deceased accunt hlder(s). d. Frmer r Survivr Operatins will be allwed by the Frmer nly and nly n the death f the Frmer, the accunt will be allwed t be perated by the survivr. Clsure f accunts and/r transfer t anther branch wuld be permitted nly at the written request f bth the accunt hlders. When Survivr wants t clse the accunt he/she shuld submit the death
2 certificate f the deceased Frmer. 4. N Interest N interest is payable n the balances held in current accunt except credit balances lying in Current/ Cash credit accunts f individuals/ prprietary cncerns where the individual/prprietr has expired, are eligible fr payment f interest at Savings bank rate fr the perid frm the date f bank receiving ntificatin f death till date f settlement f claims. 5. Intrductin requirements Accunts shuld be prperly intrduced t the satisfactin f the bank. Intrductin t pen an accunt may be typically frm any ne f the fllwing a. An existing accunt hlder wh has been maintaining a satisfactrily cnducted accunt fr a perid f at least six mnths b. A respectable member f the public with acceptable bnafides and well knwn t the bank. c. Any permanent member f ur bank s staff d. Anther bank Bank will cnsider pening the accunt after a crss verificatin has been dne with the intrducer 6.1. T pen an accunt Persns desiring t pen a Current r Cash Credit Accunt must visit the bank and discuss their requirement with the authrised Official. They will be furnished with a cpy f these Rules and an Accunt pening frm. The Accunt pening frm shuld be duly filled-in and signed as per the requirements mentined therein. Accunts pened by Individuals and Prprietary cncerns with the Bank wuld carry a nminatin and the depsitr(s) shall at the time f pening the accunt may nminate an individual (nt being a minr) f his/her/their chice and submit the Nminatin frm annexed t the accunt pening frm duly filled-in and signed. Nminatin in tw r mre names/ prprtinate nminatin is nt allwed. The nminatin can be changed any time by submitting apprpriate frm t the bank Every party t the accunt is required t give tw cpies f latest passprt size phtgraphs and the specimen signature clearly mentining the authrity, fr recrd All the partners/directrs/trustees must sign the Accunt pening frm and the specimen signature sheet. The signature(s) must be legible and well frmed. All cheques and letters t the Bank must be signed strictly in accrdance with such specimen and by the authrity furnished t the bank. 4. Alng with the Accunt pening frm, every party t the accunt is required t furnish a CROP(Custmer's Recrd f Prfile) frm duly filled in and signed t cmply with Knw Yur Custmers nrms prescribed by RBI. CROP frm
3 wuld be updated every year by the custmer. Bank will nrmally cnsider accepting the fllwing dcuments fr identificatin and address prf: Cking gas cnnectin papers Latest Telephne charges bill Latest Electricity charges bill Vters ID card (in frce0 Driving license (in frce) Passprt (in frce) Any ther dcument apprved by the bank Originals shuld be submitted with self-attested phtcpies. After perusal riginal will be returned by the bank. 5. Every party t the accunt shuld furnish the PAN in the Accunt pening frm. If n PAN number is alltted t the applicant, a declaratin in Frm 60 (nn-agriculture) r in Frm 61 (agriculture) shuld be furnished. The relative frms wuld be available with the Bank. 6. In terms f directives frm Reserve Bank f India, applicants are required t furnish full particulars f credit facilities enjyed / being enjyed at ther branches f IOB and/ r ther banks in the Accunt pening frm. 7. Additinal Dcument In additin t the abve, fllwing categries f applicants fr Current and Cash Credit accunts will furnish additinal dcuments t the bank; 7.1. Partnership accunt A cpy f the partnership deed attested by all the partners. If partners have nt written dwn a partnership deed they can pen an accunt with the bank furnishing a declaratin t that effect t the bank Hindu Undivided families (HUF) A letter frm HUF in bank s standard frmat signed by the Karta and all the majr Cparceners f the HUF Limited Cmpanies a. A true cpy f the certificate f incrpratin b. A true cpy f the Certificate f cmmencement f business c. A cpy f the updated Memrandum and Articles f Assciatin d. A cpy f the Bard Reslutin passed at a meeting f the Bard f Directrs (nt by circulatin)duly certified by the Secretary f the Cmpany fr pening the accunt and cnduct f peratins theren. The reslutin shuld clearly state the name f the bank, persns authrized t pen and perate the accunt and carry n such
4 ther transactins as dealing with securities, pwers t draw, accept, endrse etc. A specimen cpy f the reslutin is available in the bank s Accunt pening frm Liquidatrs { a, b & c shuld be attested by a Directr r Secretary f the cmpany, Original shuld als be submitted fr perusal and return } A Liquidatr shuld prduce dcuments t evidence his appintment as liquidatr s as t ensure that he/she has the pwers t carry n the business in the curse f Liquidatin. In the case f vluntary winding up, certified cpy f the reslutin and in the cmpulsry winding up the Curt Order shuld be prduced Trust a. Certified cpy f the Trust Deed b. Where a trust is a charitable trust, a certified cpy f the certificate frm the Charity Cmmissiner c. Where there is n Trust Deed, a certified cpy f the rder frm a cmpetent Curt d. Certified cpy f the reslutin regarding pening and cnduct f the accunt. e. Names f all the present trustees with bi data f each trustee 7.6. Executrs and Administratrs a. Prbate r Letter f Administratin 7.7. Clubs, Scities(including c-peratives), Assciatins, Educatinal institutins a. Certified true cpy f the Rules, Regulatins, Bye-laws ( as the case may be) b. Certified true cpy f Certificate f Registratin r incrpratin in the case f Registered bdies (riginals will be verified and returned) c. A certified true cpy f the Reslutin (certified by the Chairman f the meeting f the Gverning Bard r Managing cmmittee r like bdy, at which it was passed) authrising pening f an accunt with the Bank and listing ut the names f ffice bearers authrised t perate the accunt in accrdance with the Rules and Bye-laws f the bdy. d. A cpy f the balance sheet in the case f a c-perative sciety, if available. e. In sme States, the C-peratives t pen accunt with a bank ther than a cperative bank need a permissin frm the Registrar f C-perative scieties. In such cases a cpy f such permissin is t be enclsed Gvernment/Semi Gvernment departments a. A cpy f the Letter f Authrity by the Head f the Department permitting the Executive/fficial f the institutin/department t pen an accunt b. A cpy f the Gvernment Ntificatin / Order authrising the cncerned fficial t pen and perate the accunt. c. A certified cpy f the Rules and Regulatins, if any, framed by the Department/Lcal bdy regarding the pwers f such Executive Officers in the matter f pening and perating Bank accunts.
5 8. Initial remittance Accunts will be pened with initial remittance preferably by cash. Hwever there is n bar fr pening accunts with custmer s self cheque n anther bank. 9. Minimum balance fr current accunts Rs.2,000/- in case f branches at Metr and Urban Centres and Rs.1000/- at branches in ther Centres. Fr registered Tiny Sectr and Village cttage industries(micr industries ) it is Rs.1,000/- at all Centres. In case f default in maintaining minimum balance a penalty f Rs.56/- per mnth will be charged at all branches irrespective f the number f ccurrence f defaults in a mnth. 10. Mandate A mandate is a simple letter f authrity, signed by a cnstituent, authrising the bank t permit a certain named persn (agent) t perate his accunt n his behalf. A mandate t perate an accunt des nt extend t verdrawing the accunt unless the mandate letter specifically prvides the authrity t verdraw the accunt. Frmat prescribed by the bank shuld be availed. In the case f Jint accunts all the parties t the accunt must sign the mandate letter. In the case f partnership firms all the partners f the firm must sign the mandate letter. A revcatin f this authrity may be made in writing by any ne f the jint accunt hlders r any partner f the firm. In case f a HUF the mandate must be signed by the Karta and all the majr c-parceners. In case the mandate is t be issued in favur f a third party an Indemnity has t be executed by the Karta and majr c-parceners f the HUF in the frmat available with the bank. 11. Pwer f Attrney A Pwer f attrney is t be stamped in accrdance with the prvisins f the Indian Stamp Act and the varius amendments effected by States and must be duly ntarised. It need nt necessarily be registered with the Registrar f Assurances. A Pwer f attrney executed utside India fr use in India shuld be executed befre the Indian Embassy/High Cmmissin in the cuntry in which it is executed and it must be stamped accrding t the Indian Stamp act within three mnths f its receipt in India. The Pwer f attrney must be definite and n prvisinal r cnditinal clause as " during my absence frm India" r " during my illness " etc., are acceptable. In all cases, where accunts are pened with Pwer f Attrney, the principal shuld give an undertaking in writing that he shall, in additin t the public ntice, ntify the bank abut cancellatin/revcatin f pwer f attrney. 12. Additins r deletins in case f individual current accunt hlders A request letter signed by all the accunt hlders shuld be submitted t the bank fr apprpriate actin. In case f an additin, Knw Yur Custmer prcedure fr the persn t be added will have t be cmplied with. Request
6 fr deletin f name(s) will be entertained by the bank nly when atleast ne f the riginal accunt hlder's name is retained in the accunt. 13. Operatins in the accunt Withdrawals frm Current /Cash credit wuld be by Cheque leaves supplied by the bank nly. First time issue f the cheque bk will be n submissin f a request letter t the bank, als agreeing t maintain the minimum balance in the accunt and fr penal charges in case f nn maintenance f minimum balance. Reissues f the cheque bk will be against the presentatin f requisitin slip prvided in the cheque bk, which will be presented t the bank duly signed. If the requisitin slip is nt frm a current cheque bk r t be handed ver t a third party, and the bank has any reasn n the genuineness f the applicatin, then the cheque bk will be sent t custmer s recrded address by registered pst at custmer s expense. A charge f Rs.2.25 per MICR cheque leaf and Rs.1.15 fr NON MICR cheque leaf will be cllected frm the Cnstituents as and when the cheque bks are issued. At the time f receiving the cheque bk frm the bank, the accunt hlder shuld cunt the cheque leaves therein and draw attentin f the bank if any cheque leaves are missing frm the bk. When an uncrssed cheque is presented fr cash payment at the cunters f the bank, it shuld be signed by the presentr n the reverse f the cheque. The payment cashier will ask fr anther signature t be made by the presentr at the time f receiving cash. 14. The Bank will register request frm the drawer regarding cheque lst, stlen etc., but cannt guarantee depsitrs against lss in such cases, in the event f a cheque being paid. Stp payment will be dne with a charge f Rs.20/= per cheque. 15. In terms f sectin 45 Z f the Banking Regulatin act 1949, banks may return a paid instrument after btaining a true cpy theref, by mechanical r ther prcess at the cst f the custmer. Accunt hlders wh want t avail this facility must execute an indemnity in a standard frmat prescribed by the bank. 16. Where any cheque drawn n the accunt is returned fr want f funds charges prevailing n the date f such return will be levied fr every cheque s returned. If such returns exceeds three times, steps will be taken t clse the accunt with due ntice t the accunt hlder. 17. An accunt hlder may depsit mney as ften they wish. Minimum cash t be depsited in the accunt is Rs.25/- in case f rural branches and Rs.50/- in ther branches. Hwever fr cash depsited fr mre than Rs.50000/- custmer shuld write dwn the PAN number in the depsit slip. If n PAN number is alltted t the accunt hlder then he shuld furnish Frm 60 (nn agriculture) r frm 61 agriculture) as the case may be
7 Cash and cheques t be depsited shuld be handed ver at the respective cunters and n individual utside the cunters have any authrity t receive them. Custmers can avail the drp bx facility t depsit the cheques and in case an acknwledgement is needed they are advised t depsit the cheques acrss the cunters. Custmers shuld use the pay-in slips supplied by the bank nly. 18. Cheques, drafts, dividend warrants and ther instruments drawn payable t the depsitr nly will be accepted fr clearing /cllectin subject t charges. Hwever in case f individual accunts and when the cheques are crssed with ther than Accunt Payee r Nt Negtiable and endrsed in favur f the accunt hlder such endrsed cheques may be taken up fr cllectin, at the discretin f the bank. 19. Debits t custmers accunts ther than cheque may be effected in the fllwing circumstances a. effecting f standing instructins b. recvery f interest, service charges, cmmissin etc. c. recvery f instalments n Term lans, verdue advances, unpaid bills etc., d. recvery f amunts wrngly credited r wrngly mitted t be debited t the custmers accunts. Inland bills /Exprt Bills can be cllected/ financed thrugh the Current/Cash credit accunt subject t cnditins applicable t such cllectins/financing. All the financing transactins by the bank and repayments f a particular custmer wuld be ruted thrugh the Current accunt /Cash Credit and subject t terms and cnditins f sanctin f such finance. 20. Temprary verdrafts may be granted by the bank at its discretin and n request by the accunt hlder subject t cmpletin f frmalities n prir arrangement with the bank and nt as a matter f Cnstituent's right. 21. Statement f Accunt Statement f accunts will be sent t the cnstituents mnthly except where there are n transactins t advise and mre frequently, if a cnstituent s desires. Statements may be handed ver t the accredited representatives at the request f the custmers. If the depsitr requests statement f accunt again fr a perid fr which it has already been issued, an extra charge f Rupees Twenty per ledger page r part there f in the case f nn-rural branches and Rupees Sixteen per ledger page r part there f in the case f rural branches will be recvered. (fr accunts maintained n cmputers frty entries r part there f will be treated as ne ledger page). 22. Standing instructins
8 23. Ledger fli charges Standing instructins will be accepted frm depsitrs fr executin. Bank will als register the mandate fr ECS debits in a accunt. Cancellatin f such standing instructins r ECS debits shuld be duly ntified t the bank. Service charges, as applicable t the services rendered in accrdance with the standing instructins f the depsitr, will be levied, in additin t recvery f ut f pcket expenses such as pstage, telex/telegram/telephne charges, Mney Order cmmissin paid, etc. Ledger fli charges will be recvered n an annual basis after prviding fr free ledger flis as fllws : Fli charges Free ledger flis Nn-Rural branches Rural branches Daily Average credit balance Rs. Free fli per annum Rs.56/- per ledger fli with eligible free ledger flis Rs.45/-per ledger fli with eligible free ledger flis Upt 1500 Nil > Three > Five > Ten >25000 N charges 24. Transfer f accunts frm ne branch t anther Current accunts may be transferred frm ne branch t anther branch free f charge. When an accunt hlder wishes t transfer accunt, a written request is t be made alng with unused cheque leaves, if any, either t the present branch r t the branch t which the accunt needs t be transferred. The ATM cum Credit Card shuld be surrendered. Standing instructins / ECS Mandate given shuld be cancelled.
9 In case f a cash credit accunt subject t certain frmalities t be cmplied with, the accunt may be transferred, at the bank s discretin and n applicatin t the accunt maintaining branch. 25. Inperative accunts Current accunts nt perated during the past six mnths will be treated as drmant accunts. In March every year all drmant accunts in which there had been n peratin fr a ttal perid f tw years r mre (including the perid reckned t classify them as drmant) will be transferred t inperative accunt. In rder t make the accunt perative, accunt hlders (depending n the mandate) shuld give a request letter t the bank. Inperative accunts wuld be charged service charges, which can be ascertained frm the bank. Balance lying in an inperative accunt, which remained inperative fr five years and abve will be transferred t unclaimed balances accunt. 26. Death, inslvency, winding up, insanity, Garnishee rder, tax attachment rders etc. Any such instances happening t an individual, partner, Directr, Trustee, Karta r Cparcener will have an effect n the peratins f the accunt. A ntice r knwledge is sufficient fr the bank t act. Cnsequences f the abve ccasins and prcedure further t be fllwed can be ascertained frm the bank. In case f death f a guarantr whse guarantee a particular cash credit accunt carries, the debit peratins in the accunt will be stpped t determine the liability f the deceased guarantr. 27. Clsure f accunt A written request shuld be made by the accunt hlder t the accunt maintaining branch alng with unused cheque leaves fr clsure f the accunt. The ATM cum Debit card shuld be surrendered. Accunt debit authrisatin fr Cash Credit shuld be changed. In case f jint accunt hlders irrespective mandate (such as either r survivr, anyne r survivr, Frmer r survivr etc.,) the letter shuld be signed by all accunt hlders. In case f partnership firm all the partners shuld sign the letter. In case f a limited cmpany a cpy f the reslutin authrising clsure f accunt shuld be submitted alng with the request. In case f a merger/taking ver f a cmpany, relevant cpy f the Curt rder shuld be prduced alng with the request letter. In a case where an individual/partner/directr/trustee has died and the accunt hlder/survivr(s) want t clse the accunt they may apprach the bank fr guidance. When an accunt is identified as undesirable / unremunerative accunt, bank will take steps t clse the accunt with due ntice t the accunt hlder. 28. ATM cum debit card/internet banking/crown (Cre banking service)/multicity cheques /Credit cards/insurance Prducts
10 Accunt hlders can avail the abve services by making suitable applicatins with the bank and subject t terms theref. Under CROWN (Cre banking services) the peratins will be carried ut in any f the netwrked branches as thugh the custmer is transacting in the accunt maintaining branch subject t certain financial limits. Custmers are advised t btain the details frm the branches. 29. Value additins Current accunthlders wh maintain quarterly average balance f Rupees Twenty Five thusands are eligible fr the fllwing benefits in the subsequent quarter a. Inland demand drafts/mail transfers nt exceeding 2 ccasin's in a mnth fr a ttal amunt nt exceeding Rupees Ten thusands per mnth free f cmmissin r exchange. b. Outstatin cheques, drafts, interest/dividend warrants etc. (excluding hundies, clean/supply bill/dcumentary bill) cllected free f cmmissin (actual pstage will be cllected) fr a ttal amunt nt exceeding Rupees Ten thusands per mnth. 30. General a. Instant credit f cllectin instruments upt Rs.15,000/- is available at the discretin f the bank and fr eligible accunts. b. Lien : The bank has a paramunt lien/right f set-ff n the depsit amunt and reserves the right t apprpriate twards any financial bligatins f the depsitr t the bank in any capacity c. Change f resident status : The depsitr(s) shall infrm the bank in writing in the event f change in resident status under Freign Exchange Management act d. Maintenance f recrds : The cmputer printuts/ledgers/recrds pertaining t the accunts will be destryed peridically in accrdance with Law. 31. Secrecy f the Custmer accunts Details f the custmers' accunts and transactins are kept cnfidential by the bank. Bank shall nt divulge any infrmatin relating t the affairs f its cnstituents except in circumstances in which it is in accrdance with the Law r Practice and Usage custmary amng banks. 32. Rules : Revisins and mdificatins The bank reserves t itself the right t alter r add t these Rules at any time. Custmers are requested t enquire with the bank fr the latest schedule f charges, minimum balance requirements and changes t the abve Rules r may be directed by the infrmatin in the ntice bards.
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