ACCOUNT OPENING FORM - (For Non Resident Indians)

ACCOUNT OPENING FORM

(For Non Resident Indians)

FIRST APPLICANT DETAILS

Customer ID

(If applicable ID)

CKYC Number

(If applicable)

Please complete this form in Black Ink and in CAPITAL LETTER is where applicable



Application Date

D MD M Y Y Y Y

First Applicant Name (Please complete as per your passport)

Passport Number

Country of Tax Residence

Place/City of Birth

Are you a Politically Exposed Persons (PEP)

or related to one?

Applicant Maiden Name

(Applicable if your name has changed for marriage or any other reason)

Father’s Name (Mandatory, if customer does not have PAN)

Passport

Same as Above

Document Number

Other Document (Please Specify)

Mother’s Name

Spouse Name

Yes No

Expiry Date

Citizenship Date of Birth

PAN* Form 60

*If you have a Permanent Account Number (PAN) it is mandatory to provide details to the

bank at the time of opening an account. If you do not have a PAN, please complete a Form 60

Foreign Tax Identification Number* *

Country of Birth

TITLE

FIRST NAME MIDDLE NAME LAST NAME

TITLE FIRST NAME MIDDLE NAME LAST NAME

Line 1

Line 2

State Pin/Zip Code

Country

State Pin/Zip Code

Country

City

Marital Status

Married Unmarried Others

TELL US ABOUT YOURSELF

OVERSEAS ADDRESS (AS PER PASSPORT/OTHER DOCUMENT)

COMMUNICATION ADDRESS

ResidenceThis is my Place of Work

Male Female Third Gender

Gender

FIRST NAME MIDDLE NAME LAST NAME

TITLE

Line 1

Phone (Mobile)

(Country Code) (Number)

Alternate Number

(Country Code) (Number)

Line 2

State Pin/Zip Code

Country

City

E-mail ID

ADDRESS IN COUNTRY OF TAX RESIDENCE

HOW WOULD YOU LIKE US TO REACH YOU? (MOBILE & E-MAIL ADDRESS IS MANDATORY)

Same as overseas address mentioned above

TELL US WHAT YOU DO FOR A LIVING

Occupation

Corporate Name

Self Employed Business

Self Employed Professional

Doctor/CA/Architect/Lawyer/Consultant

Sole Proprietorship Partnership/Company

No. of Years in Business

Source of Funds

Salary Business Professional Fees Agriculture Family Wealth

Entertainment/Alternate Medical Practitioner/Beautician

Salaried (Please Specify Corporate Type) PrivatePublic Government

Retired Farmer

Homemaker

Politician Student

Gross Annual Income (INR) Income in India (INR)*

*Please complete if you have not provided Permanent Account Number (PAN)

DEBIT CARD AND CHEQUE BOOK REQUEST

WHICH OF OUR PRODUCTS WOULD YOU LIKE?

Non Resident External (NRE) Account. Please choose one below

Savings Account

Mode of Operation: Singly Jointly*

Amount Current Account Amount

Either or Survivor Minor Under Guardian Former or Survivor

*Debit card or internet banking transactions will not be available for accounts operated ‘jointly’

Non Resident Ordinary (NRO) Account. Please choose one below

Savings Account

Mode of Operation: Singly Jointly*

Amount Current Account Amount

Either or Survivor Minor Under Guardian Former or Survivor

*Debit card or internet banking transactions will not be available for accounts operated ‘jointly’

■ Once your account is opened, the details to activate it will be emailed to you.

■ You may also request for a Virtual Debit Card online.

What’s more, we are also happy to send you a physical debit card & cheque book should you need one. Simply complete the

details below and we will courier these to you on your communication address.

You may fill in how you would like your name to appear on your debit card (if different from the name on your account)

First Applicant/Primary Applicant

Second Applicant/Joint Applicant

For minor accounts debit card is issued only if the minor is over 10 years old

For mode of operation-Former Or Survivor, debit card will be issued only for the primary applicant

For mode of operation–Jointly, debit cards will not be issued

If you have selected a physical debit card, the cheque book for that particular account type would be issued by default

International usage cannot be enabled on NRO debit cards

To enable international usage on your debit card, please use Limit Management under Debit Card section on Internet/Mobile Banking

Debit Card NRE Savings Account NRO Savings account

First Applicant

Second Applicant

IF YOU SELECT “MINOR UNDER GUARDIAN” PLEASE COMPLETE BELOW

WOULD YOU LIKE TO CHOOSE A NOMINEE FOR THE ACCOUNT?

Customer ID of Guardian

Name & Signature of the Guardian

DECLARATION BY GUARDIAN

I shall represent the minor in all future transactions of any description in

the above account till the same minor attains majority. I shall indemnify

the bank against any claims of the above minor of any withdrawals/

transactions made by me in his/her account

Relationship with Minor

Funding Mode

Account Number of Guardian to be debited:

Father

Same as primary account holder communication address Update address as below

One time funding of INR from above account

Initial Funding Amount To be Transfer to:

Non Resident External (NRE) Amount

Non Resident Ordinary (NRO) Amount

Mother

Court Appointed (If yes, please attach a copy)

Yes, I want to nominate the following person to whom in the event of my/our/minor’s death the amount of deposit in the

account may be returned by IDFC FIRST Bank Ltd

No, I do not wish to nominate anyone on my behalf at this moment. I understand the advantages of nomination and the

consequences of not nominating anyone to my account

Monthly debit of INR from above account for

months* from the of this/next month

(*Minimum 24 months)

WITNESS 1 WITNESS 2

(Required only if applicants use thumb impressions) (Required only if applicants use thumb impressions)

FIRST/PRIMARY APPLICANT SIGNATURE SECOND/JOINT APPLICANT SIGNATURE

to receive the amount of deposits in the account on behalf of the nominee in the event of my/our/minor’s death during the

minority of the nominee. (** Where deposit is made in the name of a minor the nomination must be signed by a person lawfully entitled to act on behalf of the minor)

Please mention the nominee name in the statement/advice/passbook

Customer ID

(In case an existing account holder, don’t ﬁll address)

Nominee Name

TITLE

FIRST NAME MIDDLE NAME LAST NAME

Guardian Name

TITLE

FIRST NAME MIDDLE NAME LAST NAME

Nominee Address

Guardian Address

Place

Relationship with Depositor

If the nominee is a minor**, please complete this section. As the nominee is a minor on this date, I/We appoint:

Nominee Date of Birth

D MD M Y Y Y Y

Date

D MD M Y Y Y Y

I/We do hereby declare what is stated above is true to the best of my knowledge and belief.

DECLARATION

(

Please read carefully and sign at the and of this section after you have ﬁlled in all the details in the form)

1. I/We wish to avail the banking facilities/products from IDFC FIRST Bank Limited (“IDFC FIRST Bank”), and other products/services including Mutual Funds and/ or

insurance products that are offered by IDFC FIRST Bank in its capacity as an Intermediary and I/We have read, understood and agree to the Terms and Conditions

displayed on the website of IDFC FIRST Bank i.e. www.idfcfirstbank.com, w.r.t. the said banking facilities and other products/services which may be amended by IDFC

FIRST Bank from time to time and hosted and notified on the website of IDFC FIRST Bank.

2. I/We have read, understood and agree to the charges/costs, mentioned in the extant Schedule of Charges pertains to the banking facilities and products as well as the

facilities and/or the other products which I/We wished to avail. This Schedule of Charges is also displayed on www.idfcfirstbank.com.

3. I/We hereby declare that I/We am a Non-Resident Indian (NRI) or Person of Indian Origin as defined under the Foreign Exchange Management Act, 1999. I/We agree

to notify IDFC FIRST Bank about my return to India for permanent residence.

4. I/We agree to abide by and be bound by all applicable rules/regulations/instruction/guidelines issued by the Reserve Bank of India, and under, the Foreign Exchange

Management Act, 1999 and Foreign Account Tax Compliance Act, 2010 (to the extent applicable to India) and the Common Reporting Standards (CRS), in force from

time to time. I/We have declared our status as per the rules applicable under section 285BA of the Income Tax Act, 1961 (the Act) as notified by Central Board of Direct

Taxes (CBDT) in this regard. I/We will not make available foreign exchange to a person resident in India against reimbursement in rupees in my/our NRO account or

in any other manner. I/We declare that in case of debits to my/our NRO account for investments in India and credits to my/our NRO account representing sale

proceeds of investments, I/We will ensure that such investments/disinvestments will be in accordance with the regulations made by the RBI in this regard. Further, INR

credits to my/our NRO account will be restricted legitimate dues in India (like earnings/income such as dividends, interest etc.), proceed from sale of asset and

transfers from other NRE/NRO accounts, or as permitted by RBI from time to time.

5. I/We authorise IDFC FIRST Bank to conduct my credit history verification with CIBIL or any other credit rating agency and acknowledge that IDFC FIRST Bank shall

have the right and authority to carry out investigations from the information available in public domain for confirming the information provided by me to IDFC FIRST

Bank. I/We also hereby authorise IDFC FIRST Bank to retrieve my credit information report with help of accredited credit rating agencies and share the same with me

directly as per bank’s internal policy.

6. I/We agree to furnish and intimate to IDFC FIRST Bank any other particulars that I am called upon to provide on account of any change in law/statutory requirements

either in India or abroad. I/We authorise IDFC FIRST Bank to exchange, share or part with all the customer information/KYC documents provided herein with financial

institutions/agencies/statutory bodies/other such persons including but not limited to financial products/services providers e.g. Insurance companies, Asset Manage-

ment Companies etc. for the services/products which I/We wished to avail and with whom IDFC FIRST Bank has agency/distribution/marketing/referral arrangement,

as may be required by IDFC FIRST Bank. I/We shall not hold IDFC FIRST Bank or its agents/representatives liable for using/sharing such information. I/We agree to

immediately inform IDFC FIRST Bank of any changes to the information provided during account opening.

7. I/We undertake the responsibility to declare, disclose and recertify within 30 days any changes that may take place in the information provided in the account opening

form and signed by me/us as well as in the documentary evidence provided by me/us or if any certification become incorrect.

8. I/We hereby declare that the information provided herein as well as in the documentary evidence provided by me/us to IDFC FIRST Bank (the “Customer Information”)

is true, correct and complete in all aspects to the best of my knowledge and that I/we have not withheld any Customer Information that may affect the assessment/

categorization of the account as a Reportable account or otherwise. I/We further agree that any false/misleading Customer Information given by me or suppression

of any material fact will render my account liable for closure and the bank shall have the right to initiate any action, under law or otherwise.

9. If any of the information provided here is incorrect, I/We hereby agree to indemnify and keep indemnified IDFC FIRST Bank, affiliates and their successors or assignees.

10. I/We agree and understand that IDFC FIRST Bank reserves the right to reject my account opening application form/request and/or the request for availing the

services/products without assigning any reason thereof and without being liable to me in any manner whatsoever.

11. I/We authorise IDFC FIRST Bank to submit applications/other relevant documents, debit my bank account and transfer funds in any form and manner for transactions

in Mutual Funds/Other investment products or do any such incidental things in pursuance of the specific instructions given by me/us or my Attorney from time to time

for the services and/or the products I wished to avail. I/We state that all the acts, deeds and things done by IDFC FIRST Bank based on such instructions shall be

binding on me/us. I/We hereby agree and consent to avail other products/services including Mutual Funds and/or insurance products and further agree to absolutely

abide by all the Terms and Conditions in respect thereof.

12. I/We hereby consent to receiving information from Central KYC Registry through SMS/Email on the registered number/email address shared with IDFC FIRST Bank.

13. I hereby authorise IDFC First Bank to search, download and store my KYC details from CERSAI Registry for the purpose of KYC compliance.

14. I agree and authorise IDFC FIRST Bank to share my details including Photograph and Signature with CERSAI (Central KYC Record Registry) or any other Central

Registry/any authority/ a judicial or quasi-judicial body as may be enumerated by the any law prevailing in present and/or in future.

15. I agree and authorise IDFC FIRST Bank to update my KYC details with CERSAI or any other Central Registry/any authority/ a judicial or quasi-judicial body as may be

enumerated by the any law prevailing in present and/or in future.

16. I/We hereby request and authorise IDFC FIRST Bank to, from time to time (at its discretion), rely upon and act or omit to act in accordance with any directions,

instructions and/or other communication which may from time to time be or purport to be given in connection with or in relation to the said Account(s) by email by

me/ us or the person(s) authorised by me/us to act on my/our behalf.

17. I/We hereby agree and undertake to send Instructions to IDFC FIRST Bank by email from the email address registered with the bank. I/We understand that the Internet

is not encrypted and is not a secure means of transmission. I/We further acknowledge and accept that such an unsecured transmission method involves risks of

possible unauthorised alteration of data and/or unauthorised usage thereof for whatever purposes. I/we hereby further agree and undertake to exempt IDFC FIRST

Bank from any and all responsibility of such misuse and receipt of information, and hold IDFC FIRST Bank harmless for any costs or losses that I/We may incur due to

any errors, delays or problems in transmission or otherwise caused by using the internet as a means of transmission. I/We understand that the bank may attempt to

authenticate all requests received on e-mail, prior to executing the transaction.

18. In addition, I/We shall indemnify IDFC FIRST Bank at all times and keep IDFC FIRST Bank indemnified and save harmless against any and all claims, losses, damages,

costs, liabilities and expenses incurred, suffered or paid by IDFC FIRST Bank or required to be incurred, suffered or paid by the Bank and also against all demands,

actions, suits proceedings made, filed, instituted against IDFC FIRST Bank, in connection with or arising out of or relating to: -

i) any Instruction received by/given to IDFC FIRST Bank which I/we believe in good faith to be such an Instruction by Email Submission; and/or

ii) any unauthorised or fraudulent Instruction to IDFC FIRST Bank;

19. Notwithstanding anything contained herein or elsewhere, IDFC FIRST Bank shall not be bound to act in accordance with the whole or any part of the Instructions or

directions contained in any Instruction sent by Email and may in its sole discretion and exclusive determination, decline or omit to act pursuant to any Instruction, or

defer acting in accordance with any Instruction, and the same shall be at my/our risk and IDFC FIRST Bank shall not be liable for the consequences of any such refusal

or omission to act or deferment of action.

20. I/We am fully aware that the bank sends SMS alerts on all account/card related transactions promptly on the mobile number/e-mail ID shared at the time of account

opening/updated subsequently and any failure to update contact information with the bank may result in any financial loss in case of misuse of cards.

Yes

FIRST/PRIMARY APPLICANT SIGNATURE SECOND/JOINT APPLICANT SIGNATURE

Date

Name

Place

Please paste a

RECENT

Colour

Photograph.

Please sign

across the

photograph.

Date

Name

Place

Please paste a

RECENT

Colour

Photograph.

Please sign

across the

photograph.

D MD M Y Y Y Y D MD M Y Y Y Y

Would you like IDFC FIRST Bank or its representatives to contact you and tell you about

various products (including insurance), services and offers?

21. All fees/charges to be paid shall be exclusive of goods and services tax (GST) as my be applicable. IDFC First Bank will provide me/us Services Accounting Code

(SAC) and this will be quoted in all our invoices/credit/debit notes where applicable.

22. In the event that I/We convert my/our status from a Resident Indian to a Non Resident Indian and request for conversion of an IDFC FIRST Resident Account, I/We

authorise IDFC FIRST Bank to re-designate my/our existing Resident Account to a Non-Resident Ordinary Account and fully understand the impact of this re-designa-

tion on all monies and investments that I/We currently hold in my existing Resident Account.

23. For Citizens of Bangladesh or Pakistan Only: I/We have obtained specific approval from the Reserve Bank of India to open accounts for Non Resident Indians and a

copy of the same has been submitted along with my/our application form. This permission will not be required for citizens of Bangladesh holding valid visa and resident

permit issued by Foreigner Registration Office (FRO)/Foreigner Regional Registration Office (FRRO) opening an NRO account.

24. For accounts with Method of Operation “Either or Survivor”: I/We hereby confirm that premature withdrawals of all Term Deposits placed and/or proposed to be

placed shall be paid by IDFC FIRST Bank under the operation rule of “Either or Survivor”.

25. If you have not met an IDFC FIRST Bank employee at the time of account opening, please make note of the following:

• These accounts would have a debit restriction, which will be removed subject to the receipt of initial funding from your own bank account and courier of your account

opening documents (certified KYC documents and account opening form).

• In the event of non-completion of the above mentioned steps, the bank may re-instate the debit restrictions or close the account with prior notice.

BANK USE SECTION

Banker Certification (Choose any one)

Other Details

Account Branch Code

Sourcing Branch Code

Lead Converter

Lead Generator

Proﬁt Center

Account Branch Name

Lead Warmer

Product Code

Corporate Code

Face to Face Case

Have met customer in person in his/her

Residence

Name

Certiﬁcation Date

Employee ID/RM Code

Work Others

I have seen and veriﬁed original KYC documents. Copy/Photo taken for record

Customer has signed in my presence

Signature of Employee

Non Face to Face Case

Mode of sending relationship form and Self attested docs

E-Mail

Name

Certiﬁcation Date

Employee ID/RM Code

Courier Other

Signature of Employee

RBICrCatg/

COA Category

RBIcrCode/

COA Code

Organization

BSR org

Code

RBIDrCatg RBIDrCode

180 – Household,

MFI, TASC

191 – Non

Resident

Individuals

ndividual

Non Resident

350 – Non

Infrastructure

383 – Other Retail

# Politically Exposed Persons (”PEP/s”): Politically exposed person are individuals who are or have been entrusted with

prominent public functions in a foreign country. Examples of PEPs include, but is not limited to:

(i) Heads of States or of Governments

(ii) Senior politicians

(iii) Senior government/Judicial/Military ofﬁcers (iv) Important political party ofﬁcials

The term PEP also include the families and close associates of the PEPs mentioned above.

Families: The term families includes close family members such as spouse, children, parents and sibiling and may also include

other blood relatives and relatives by marriage.

Close Associates: The term closely associated persons in the context of PEPs includes close business, Colleagues and

personal advisors/consultants to the PEP as well as persons who beneﬁt signiﬁcantly from being close to such a person.

** If you are a Tax Resident of any country in addition to the above, please ﬁll the “Annexure – Overseas Jurisdiction Address”

Form version : Non Insta kit Form Version 3, 19, Oct 2023

Campaign Code

D MD M Y Y Y Y

Payment Details

NRE Account

Payment Details

Amount

NRO Account

Payment Details

Amount