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Opening a Bank Account in India (Resident)
Document Checklist
Officially Valid Document (OVD) — identity and address
Required: Original of one OVD: passport, driving licence, voter's ID, PAN card, or Aadhaar letter issued by UIDAI
Where to get: Issuing authority of the chosen document (RTO, UIDAI, etc.)
Cost: Already issued
Per the RBI KYC Direction, a single OVD containing both name and address is sufficient. If the OVD does not show your current address, the RBI accepts utility bills not more than two months old as supplementary address proof.
PAN card or Form 60
Required: PAN card; or Form 60 declaration if PAN has not yet been allotted
Where to get: Income Tax Department portal — see our India PAN card guide
Cost: Free for Form 60; PAN itself depends on the application path
Per RBI Master Direction on KYC, banks must obtain PAN or Form 60 from individual customers as part of Customer Due Diligence.
Recent passport-size photographs
Required: 1-2 photographs (some banks now capture them on the spot via camera or app)
Cost: Nominal at any photo studio
Digital onboarding flows usually capture the photograph through the bank's app — physical photographs are only needed at a branch.
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