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How do I add a joint account holder to my retail bank account?

Curious about Retail or consumer banking

How do I add a joint account holder to my retail bank account?

To add a joint account holder to your retail bank account in India, you generally need to follow these steps:

1. Contact the Bank: Get in touch with your retail bank's customer service or visit the nearest branch. You can find the bank's customer service contact information on their website or on your account statements.

2. Gather Required Documents: Collect the necessary documents required by the bank to add a joint account holder. These documents may include identification proof, address proof, photographs, and any additional documents specified by the bank.

3. Joint Account Holder's Presence: Ensure that the intended joint account holder is present during the process, as most banks require all account holders to be present for verification purposes.

4. Complete the Application Form: Request an application form for adding a joint account holder. Fill out the form accurately and provide all required details, including the personal information of the joint account holder.

5. Submit the Application and Documents: Submit the completed application form along with the necessary documents to the bank. The bank may ask for originals or copies of the documents, so be prepared to provide them accordingly.

6. Verification and Signatures: The joint account holder may need to undergo a verification process, which may involve providing biometric data or signatures. Follow the instructions given by the bank and ensure all required signatures are provided by both account holders.

7. Update Account Information: After the bank processes your request, they will update the account information to include the joint account holder. The joint account holder will now have access to the account and its related services.

It's important to note that different banks may have slight variations in their procedures and documentation requirements for adding a joint account holder. It's advisable to contact your specific retail bank directly or visit their website to obtain precise instructions and to confirm any additional documents or steps that may be necessary.

Additionally, remember to communicate with the joint account holder to ensure they are aware of their responsibilities and any terms and conditions associated with the joint account.

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