Fill in a Valid Jk Bank Customer Relationship Template

The JK Bank Customer Relationship Form is an essential document for individuals looking to establish a banking relationship with Jammu & Kashmir Bank. This form facilitates the opening of various accounts, including savings, term deposits, and foreign currency accounts, catering to both residents and non-resident Indians. Take a step towards your banking needs by filling out the form, and click the button below to get started.

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The JK Bank Customer Relationship Form is a crucial document for anyone looking to establish a banking relationship with the Jammu & Kashmir Bank, whether locally or as a non-resident account holder. The form encompasses various sections that facilitate the bank's understanding of each applicant’s unique circumstances. It starts with basic identification information, including customer registration details such as Customer ID, account type preferences, and branch information. Applicants must specify whether they wish to open a Non-Resident External (NRE) account, Non-Resident Ordinary (NRO) account, or a Foreign Currency Non-Resident (FCNR) account, and indicate the currency of choice—ranging from USD to JPY. The form also gathers personal details, including full names, dates of birth, gender, and addresses, aiming for accuracy in capturing the identity of each account holder. In the case of joint applicants, additional fields allow for comprehensive input of both the secondary and, if applicable, a third applicant's data. A critical component is the requirement for passport and visa details, ensuring the bank complies with both domestic and international regulations. Furthermore, the form facilitates important operational instructions, from nominating beneficiaries to defining payment methods for interest, allowing applicants to tailor banking services to their financial needs. By collecting these diverse yet essential pieces of information, the JK Bank Customer Relationship form seeks to build a foundation of trust and legal compliance, contributing to a streamlined banking experience for all customers.

Jk Bank Customer Relationship Example

Customer Id No.

(Office Use Only)

The Jammu & Kashmir Bank Ltd.

Corporate Headquarters,

Account No.

M.A. Road, Srinagar 190 001

(Office Use Only)

Branch		Date

Cust omer Relat ionship Form

NRI ACCOUNT S

I/ we wish to open the following account with your bank at your__________________________________________________________________Branch

(Tick Ρas applicable)
NRE ACCOUNTS
Saving Bank Account	Term Deposit
NRO ACCOUNTS
Saving Bank Account	Current Account
FCNR (B) Account in the below tick marked currency
USD GBP EURO	JPY AUD CAD

Current Account

Term Deposit

Recurring Deposit Account

Amount (in figures)

1. Full Name (IN BLO CK LETTERS)

(in words)

Tenure (in months)

Date of birth of Minor (DD / MM / YYYY)

In case the applicant is a minor, please write parent/ guardian’s name (as an applicant) below the minor’s name

2. Father’s Name / Spouse’s Name (IN BLO CK LETTERS)

3. Date of birth (DD / MM / YYYY)

5.PAN / GIR Number

6.O verseas Address

4 GenderMale

Female

City

Country

Mobile

7.Indian Address

City

Country

Mobile

Zip code

Phone (With ISD code)

E - mail

Pin code

Phone (With STD code)

E - mail

8. Mailing Address (Tick Ρas applicable)	O verseas	Indian

9.Passport Details

Passport Number

Place of issue

Nationality

10.Visa Details

Visa Number

Place of issue

Second Applicant (Applicable to Joint Account Holders only) 1. Full Name (IN BLO CK LETTERS)

Date of Issue

Date of Expiry

Date of Issue

Date of Expiry

Date of birth of Minor (DD / MM / YYYY)

In case the applicant is a minor, please write parent/ guardian’s name (as an applicant) below the minor’s name

2.Father’s Name / Spouse’s Name (IN BLO CK LETTERS)

3.Date of birth (DD / MM / YYYY)

5Relationship with 1st Applicant

4 GenderMale

Female

6. PAN / GIR Number

7.O verseas Address

City

Zip code

Country

Phone (With ISD code)

Mobile

E - mail

8.Indian Address

City

Pin code

Country

Phone (With STD code)

Mobile

E - mail

9. Mailing Address (Tick Ρas applicable) O verseas

Indian

10.Passport Details

Passport Number

Date of Issue

Place of issue

Date of Expiry

Nationality

10.Visa Details

Visa Number

Place of issue

Third Applicant (Applicable to Joint Account Holders only) 1. Full Name (IN BLO CK LETTERS)

Date of Issue

Date of Expiry

Date of birth of Minor (DD / MM / YYYY)

In case the applicant is a minor, please write parent/ guardian’s name (as an applicant) below the minor’s name

2.Father’s Name / Spouse’s Name (IN BLO CK LETTERS)

3.Date of birth (DD / MM / YYYY)

5Relationship with 1st Applicant

4 GenderMale

Female

6.PAN / GIR Number

7.O verseas Address

City

Country

Mobile

8.Indian Address

City

Country

Mobile

Zip code

Phone (With ISD code)

E - mail

Pin code

Phone (With STD code)

E - mail

9. Mailing Address (Tick Ρas applicable)	O verseas	Indian

10.Passport Details

Passport Number

Place of issue

Nationality

11.Visa Details

Visa Number

Place of issue

Date of Issue

Date of Expiry

Date of Issue

Date of Expiry

APPLICANT 1 (PHOTO GRAPH)

APPLICANT 2 (PHOTO GRAPH)

APPLICANT 3 (PHOTO GRAPH)

Please sign across the photograph as well	Please sign across the photograph as well	Please sign across the photograph as well

SPECIMEN SIGNATURE	SPECIMEN SIGNATURE	SPECIMEN SIGNATURE

Operating Instructions (Tick Ρas applicable)

Single

Jointly

Either or Survivor

Anyone or Survivor

Any other (Please Specify)

Nomination Required? (Tick Ρas applicable)

Yes (Name of Nominee)

Please fill detailed nomination form separately

Initial Payment Details

Cash (Foreign Currency) Amount

Rs.

Transfer from FCNR/ NRE (Fixed/ Savings/ Current) Account No.

DD/ Cheque No.

Drawn on

Bank

Branch

Country

Dated

for Rs / USD / GBP / EURO

(To be completed by branch as per

Inward TT reference No.

Date of Report

Statement date / Value date).

Statement of Account : Instructions (Tick Ρas applicable)

Savings Account

Quarterly

Monthly

Current Account

Quarterly

Monthly

Weekly

Maturity Instructions for fixed Deposits (Tick Ρas applicable)

Renew Principal Only

Renew Principal Plus Interest

Issue DD/ Pay Order

Credit to Account No

Others (Specify)

(Kindly note that in absence of instructions, the deposit will be renewed for the same period for which the extant deposit has already run or for 1 year, whichever is less)

Interest Payment Instructions (fill only in case of monthly/ quarterly interest payout and on maturity if the interest is not to be renewed with the principal)

Credit to Account No

Issue DD/ Pay order

Particulars of Introduction / Identification

(Tick Ρand fill as applicable)

Introduction by existing Banker (Please keep the relevant documents enclosed)

Introduction by existing J&K Bank Account Holder

Introducer’s Details

Full Name (IN BLO CK LETTERS)

Address

City

Pin code

State

Phone (With STD code)

Mobile

E - mail

Nature of Account

Account Number

Bank / Branch

I know the proposed account holder(s) for more than six months and confirm their address details given above.

Date

Signature

Self Introduction (In case of existing customers) Account Number

Documents Required

λTwo passport size photographs (two for each in case of joint account holders) signed across or at the reverse. Signatures can be attested by any one of the following :

υAn official authorised by the Indian Embassy or Consulate abroad. υNotar y.

υYour Banker.

υA person known to our Bank

λPhotocopy of relevant pages of the current passport where name, address, date of birth, date & place of issue, expiry date, photograph, signature & stamp regarding your stay outside India appear.

λA photocopy of Valid work permit/ employment visa.

(In case of expired visas, duly acknowledged petitions made to the Visa Authorities for renewal of visas will be accepted as a valid document .) λFor Persons of Indian Origin (PIO), Copy of PIO card or Copy of past Indian passport of self / parent / grand-parent along with a self-

declaration about Indian origin.

Any one of the following address proofs (For First Applicant only if the applicants are closely related). λUtility Bill.

λDriving License.

λResidence Permit (Govt . issued Identity card) λCredit Card Bills.

λRent Receipt .

λO verseas / Indian Bank Statement .

All Photocopies must be ATTESTED by any one of the following λAn official authorized by the Indian Embassy or Consulate abroad. λNotar y.

λYour Banker.

λA person known to our Bank. λSelf Attestation.

Declaration (applicable for Minor Accounts only)

Name of the Parent / Guardian

Minor’s date of birth (DD / MM / YYYY)

Relationship with Minor (Tick Ρas applicable)

Father

Mother

By court order (if yes, please affix a copy)

Other (please specify)

I shall represent the minor in all future transactions of any description in the above account till the said minor attains majority. I shall fully indemnity the bank against any claim of the above for any withdrawal/ transaction made by me in his/ her account .

Declaration

1.I am / We are Non Resident Indian(s) or persons of Indian Origin.

2.I / We under stand that the above account will be opened on the basis of the statements / declarations made by me / us and will be opened in the form and as per various Regulations framed under Foreign Exchange Management Act . 1999 and in particular. Foreign Exchange Management (Deposit) Regulations, 2000 as amended from time to time. I / We also agree that if any of the statements / declarations made herein is found to be not correct in material particulars, you are not bound to pay any interest on the deposit made by me / us and to discontinue the ser vice.

3.The account will be put into use only for bonafide transactions not involving any violations of the provisions of any Government / Exchange Control Regulation.

4.I/ We agree that the rate and the manner of interest to be paid shall be as per the Regulations and no claim will be made by me/ us for any interest on the deposits for any period after date/ s of maturity of the deposits.

5.I/ We agree to abide by the provisions of the FCNR/ NRE/ NRO Accounts scheme laid down by the RBI and as per the said act and the Regulations as emended from time to time.

6.I/ We hereby undertake to intimate you about my/ our return to India for permanent residence immediately on arrival.

7.I/ We authorise the Bank to automatically renew the deposit on due date for an identical period (unless otherwise specifically instructed before due date). The earlier receipt given to me will be treated as dicharged receipt on due date. I/ We understand that the interest applicable on renewals will be at the applicable ruling rates on the date of maturity and the renewed receipt will be made available on my/ our presenting the duly discharged origin receipt on the maturity date or later for payment . I/ We further understand that he renewal will be accordance with the provisions of the Reser ve Bank of India scheme in force at the time of renewal.

8.I/ We agree that if premature withdrawal is permitted at my/ our request the payment of interest on the deposit may be allowed in accordance with the prevailing stipulations laid down by the Reser ve Bank of India and J&K Bank in this regard.

9.I/ We shall not make available to any person resident in India, foreign currency against reimbursement in Rupees or in any other manner in India.

10.I/ We confirm that all debits/ credits to my/ our account shall be in accordance with the Regulations and are covered either by general or specific permission of Reser ve Bank of India.

11.I/ We will be liable to comply with the rules of the Foreign Exchange Management Act, 1999 and the Regulations and amendments thereof in force from time to time and as stipulated by the Reser ve Bank of India.

12.I/ We understand that the Bank may at its absolute discretion, discontinue any of the ser vices completely or partially without any notice to me/ us. I/ We agree that the Bank may debt my account for ser vice charges as applicable from time to time.

13.I/ We have read, understood and hereby accept & agree to the Terms and Conditions given for all the products and ser vices I have requested.

14.a) I/ We agree and undertake that in case of FNCR (B) Accounts, if the remittance from outside India is not in designated currency and the same is converted to the designated currency as stipulated in the Regulations, it shall be at my/ our entire risk and costs and I/ We shall not challenge the rate of conversion.

b)I/ We undertake that in case of premature payment and conversion into INRs of the FCNR (B) deposit is requested but within one year from the receipt of deposit, the deposit should be reversed at cash buying rate.

c)I/ We understand and affirm that in case at any time my/ our request for premature withdrawal of the FCNR (B) deposit is acceded to by the bank, the bank is authorised and entitled in its absolute discretion to levy penalty to recover the Swap cost from proceeds of the deposit paid prematurely.

15.I/ We hereby agree and confirm to bear any losses or claims that may arise directly/ indirectly on account of the Bank acting on any instructions received by it by fax or any electronic media given by me/ us or on my/ our behalf and agree to keep the Bank indemnified from any such losses and / or claims.

16.I/ We do hereby declare that the information furnished in this form is true to the best of my/ our knowledge and belief.

17.I/ We hereby indemnify and forever keep indemnified the Bank and its successors and assigns of, from and against any and all claims, actions, penalties that may be made, suffered or incurred by the bank by reason of my/ our non-compliance with the said Act and/ or the Regulations as amended from time to time.

Signature of Applicant 1

Signature of Applicant 2

Signature of Applicant 3

I/ We certify the particulars of the applicant/ s on the basis of documents provided by him and am / are satisfied with the non-resident status of the applicant/ s. I / We certify that I/ We have met the customer and / or spoken to him / her.

Click for Jk Bank Customer Relationship File

File Breakdown

Fact Name	Details
Account Types Available	The form facilitates opening of various account types including NRE accounts, NRO accounts, and FCNR (B) accounts, among others.
Photograph Requirement	Applicants must submit passport-sized photographs. Each photograph should be signed across, ensuring proper identification.
Governing Law	The Jammu & Kashmir Bank operates under the regulatory framework of the Jammu and Kashmir Banking Regulation Act, as well as applicable central banking regulations.
Contact Information	Applicants are required to provide mobile numbers and email addresses for effective communication, both for Indian and overseas correspondences.
Nomination Facility	The form allows for nomination. Applicants can specify a nominee's name, ensuring clarity in account management during unforeseen circumstances.

Guide to Using Jk Bank Customer Relationship

Once you have all the necessary information at hand, you can proceed to fill out the JK Bank Customer Relationship form. This step is crucial for ensuring that you provide accurate details to establish your banking relationship. By following the steps outlined below, individuals can effectively complete the form and move forward with their banking needs.

Customer ID No.: Leave this section blank as it is for office use only.
Branch Information: Write down the branch name where you wish to open the account.
Account Type: Tick the box next to the type of account you want to open (NRE or NRO).
Currency Selection: Mark the currency you prefer for your account (e.g., USD, GBP).
Account Amount: Enter the amount you wish to deposit in figures for a Recurring Deposit Account.
Full Name: Write your full name in block letters and in words below.
Date of Birth of Minor: If applicable, provide the date of birth of the minor applicant (DD/MM/YYYY).
Parent/Guardian Name: Write down the name of the parent or guardian if the applicant is a minor.
Father's/Spouse’s Name: Fill in the full name of your father or spouse in block letters.
Date of Birth: Enter your date of birth (DD/MM/YYYY).
PAN/GIR Number: Provide your PAN or GIR number.
Overseas Address: Fill in your overseas address, including city, country, and mobile number.
Indian Address: Enter your Indian address, including city, pin code, and mobile number.
Mailing Address: Tick whether your mailing address is overseas or in India.
Passport Details: Provide your passport number, place of issue, and nationality.
Visa Details: Enter your visa number and the place of issue.
Second and Third Applicant Details: If applicable, fill out the details for any joint account holders using the same format as the first applicant.
Photographs: Affix photographs of all applicants and sign across them.
Specimen Signature: Provide specimen signatures next to each applicant's photograph.
Operating Instructions: Indicate how you wish to operate the account (single, jointly, etc.).
Nomination: Select whether you require a nomination and provide the nominee's name, if applicable.
Initial Payment Details: Specify the method and amount for the initial deposit.
Statement of Account Instructions: Indicate your preferences for statement frequency.
Maturity Instructions: Select your instructions for fixed deposits upon maturity.
Introduction Details: Provide details of the introducer, if applicable.
Documents Required: Ensure you have all necessary documents ready for submission alongside the form.

Get Answers on Jk Bank Customer Relationship

What is the purpose of the Jk Bank Customer Relationship form?

The Jk Bank Customer Relationship form is designed to collect essential information from individuals wishing to open a bank account with Jammu & Kashmir Bank. This form captures personal details, addresses, account preferences, and identification information to facilitate the account opening process.

Who can apply using this form?

This form is available for various applicants, including individuals opening accounts on their own or as joint account holders. It can accommodate minors with the inclusion of a parent or guardian's details. Both Non-Resident Indians (NRI) and Indian residents are eligible to use this form for different types of accounts, such as savings, current, or term deposit accounts.

What types of accounts can be opened with this form?

The form allows applicants to choose from several account types, including:

NRE Accounts - Savings Bank Account, Term Deposit
NRO Accounts - Savings Bank Account, Current Account, Term Deposit, Recurring Deposit Account
FCNR(B) Account - Available in various currencies including USD, GBP, EURO, JPY, AUD, and CAD

What information do I need to provide when filling out the form?

Applicants must provide a variety of personal details, such as:

Full name in block letters
Date of birth
Gender
PAN/GIR Number
Overseas and Indian addresses
Contact details like mobile numbers and email addresses
Passport and visa details, if applicable

Additional information will be required for co-applicants or joint account holders.

Are there any specific documents required to submit with the form?

Yes, when submitting the form, you will need to include several supporting documents, such as:

Two recent passport-size photographs for each applicant (signed across)
Photocopies of relevant passport pages
Valid work permit or employment visa
Proof of Indian origin for Persons of Indian Origin (PIO)
Address proof documents like utility bills or driving licenses

All photocopies must be attested by an authorized entity.

What are operating instructions, and how do I specify them?

The operating instructions dictate how the account will be managed. Applicants need to select an option such as "Single," "Jointly," "Either or Survivor," or "Anyone or Survivor." This choice determines how transactions can be conducted on the account. Ensure you tick the appropriate box to indicate your preferences.

What if I need assistance while filling out the form?

If you encounter any difficulties while completing the form, support is typically available at Jammu & Kashmir Bank branches. Bank staff can provide guidance and clarification based on your specific needs. It’s advisable to bring any necessary documents with you for quicker assistance.

Common mistakes

When filling out the Jk Bank Customer Relationship form, many applicants make common mistakes that can delay their account setup. One frequent error is the incorrect or incomplete entry of personal information. Clients often forget to use block letters, which can lead to misinterpretation of names and addresses. It is essential to ensure that all information is legible and matches the supporting documents to prevent issues in identity verification.

Another mistake involves overlooking the requirements for joint account holders. People sometimes fail to provide complete information about all applicants, even if the information appears duplicated. Each applicant needs to submit their details accurately and ensure that their relationship is clearly stated. Missing this step can lead to complications during account opening or when accessing funds later.

Furthermore, applicants frequently neglect to sign across their photographs or submit clear passport copies. Signatures on photographs authenticate that the applicants are indeed the individuals in the submitted ID. Lack of clarity in these photographs can further complicate the verification process, meaning applicants may face unnecessary delays while the bank seeks additional documentation.

Lastly, people often make errors in selecting account types and preferences regarding payment schedules. Some applicants check boxes without fully understanding the implications of their choices, leading to mismatches in expectations versus what the bank can provide. It’s crucial to carefully read through the options and select those that suit your banking needs best to avoid any future dissatisfaction or confusion.

Documents used along the form

When opening an account with JK Bank, several additional forms and documents accompany the Customer Relationship Form. Each of these documents serves a specific purpose and aids in ensuring compliance and proper account setup.

Identification Proof: This document typically includes a government-issued ID, such as a passport or driver's license, verifying the identity of the account holder.
Address Proof: Documents such as utility bills or bank statements that prove the current residential address of the applicant.
Income Proof: Pay stubs, tax returns, or salary slips can serve as proof of income, especially for loan applications.
Passport Copy: A photocopy of the passport is required to verify identity, especially for non-resident accounts.
Visa Copy: This document is necessary for non-resident applicants who need to provide their visa details as part of the account opening process.
Nomination Form: Used to designate a nominee who will inherit the account proceeds in the event of the account holder's death.
Photographs: Passport-sized photographs of all account holders are needed for identification and record-keeping.
Tax Identification Number (TIN): This number may be required for tax reporting purposes, especially for international transactions.
Account Introduction Letter: A letter from an existing customer or banker affirming the identity and credibility of the new customer can sometimes be necessary.

By providing these documents, applicants facilitate a smoother account opening process and help the bank verify their information efficiently.

Similar forms

Account Opening Form: Similar to the JK Bank Customer Relationship Form, this document collects detailed personal information from individuals wishing to open a bank account. It typically includes sections for applicant data, account type selection, and signatures, just like the JK Bank version.
Loan Application Form: This form allows a potential borrower to apply for a loan. Like the customer relationship form, it gathers identifying information, financial details, and includes spaces for signatures and consents.
Credit Card Application: When applying for a credit card, clients provide personal details, income information, and preferences. The structure is reminiscent of the customer relationship form, emphasizing the need for thorough identification.
Nomination Form: Much like the JK Bank Customer Relationship Form, this document enables individuals to designate someone to receive benefits or assets in the event of their demise, requiring detailed personal information.
Beneficiary Designation Form: This form allows account holders to specify beneficiaries for funds in their accounts. It also needs personal details and relationship verification, paralleling the format and requirements of the JK Bank form.
Change of Address Form: Individuals fill out this form to notify their bank of a change in residence. The approach is similar, focusing on capturing necessary personal details and requiring signatures.
Trust Account Application: When setting up a trust account, applicants provide comprehensive personal and trust information, akin to the customer relationship form's data collection requirements.
Joint Account Holder Agreement: This document outlines the terms under which a joint account operates, requiring personal information and signatures. Its structure is closely aligned with the JK Bank form.
Overseas Account Application Form: Similar in purpose and structure, this form is used by those opening accounts from abroad, requesting detailed applicant and account information much like the JK Bank version.
Investment Account Opening Form: For those wishing to open an investment account, this form requires personal, financial, and investment preference information, following a similar format to the customer relationship form.

Dos and Don'ts

When completing the Jk Bank Customer Relationship form, it is important to keep in mind certain best practices to ensure accuracy and compliance. Here are five things you should do, and five things you should avoid:

DO provide accurate and complete information in all fields.
DO use block letters when filling in names and addresses.
DO double-check all entries to avoid mistakes.
DO sign across your photograph as instructed.
DO ensure that all required documents are attached and clearly legible.

DON'T leave any mandatory fields blank.
DON'T use an illegible handwriting style; clarity is essential.
DON'T forget to include your identification documents; they are necessary for processing.
DON'T use correction fluid or erasers on the application.
DON'T overlook the submission instructions; follow them carefully.

Misconceptions

Understanding the JK Bank Customer Relationship form is important for anyone looking to open an account. However, several misconceptions often prevent people from completing it correctly. Below is a list of these common misunderstandings.

Only Indian residents can apply: This form is designed for both residents and non-residents. NRI accounts are specifically catered to individuals living abroad.
It is only for joint accounts: The form accommodates both individual and joint accounts. Applicants can choose the account type that fits their needs.
Photographs are optional: Two passport-sized photographs are required. Each applicant must sign across their photograph.
Bank statements are not required: Applicants must provide address proof. Various types of documents can serve this purpose.
Minor applicants are not allowed: Minors can apply, but a parent or guardian must sign as the primary applicant on their behalf.
All applicants must be present: Not necessarily. The form can be submitted by one person for joint accounts, as long as all required details are filled.
The form can be filled out arbitrarily: It's crucial to complete the form accurately. Incorrect or incomplete information can delay the application process.
Only specific currencies are accepted: While the form lists select currencies for certain accounts, accounts can sometimes be held in other currencies depending on bank policies.
Nominations are mandatory: Nominations are not compulsory. Applicants can choose to leave that section blank.
Initial deposits can be paid by any method: The form specifies acceptable methods for initial payments, such as cash in foreign currency, transfers, or cheques.

By recognizing these misconceptions, potential customers can better navigate the JK Bank Customer Relationship form, ensuring a smoother account opening experience.

Key takeaways

Here are some key takeaways to help you effectively fill out and use the JK Bank Customer Relationship form:

Complete Information: Ensure that all fields are filled out completely and accurately. This includes personal details like your full name, date of birth, and contact information.
Choose the Right Account: Be clear about the type of account you wish to open. Tick the appropriate boxes for NRI accounts, such as NRE, NRO, or FCNR (B) and the desired currency.
Understand Your Applicant Status: For joint accounts, it’s crucial that all applicants provide their details. Make sure to fill out information for each applicant, including the necessary identification details.
Documentation is Key: Gather all required documents such as passport copies, visa details, and proof of address, as these will be necessary for the application process.
Signature Requirements: Don’t forget to sign across your photos and provide specimen signatures. This is essential for identification and verification purposes.

Following these tips can streamline the account opening process and help you establish a strong relationship with JK Bank.