In the Web site o[censored]BI, it is mentioned that, in case of Joint Accounts, persons having nor relaltion with each other, have to submit Identity Proof and Address Proof for KYC as per RBI rulings. My parents have joint Account in UBI and my father has provided both the documents. Since my mother is a house wife she doesn't have any such individual documents except bank pass book and Post Office pass book. When I went to Tarapur UBI, Mr .Mazumder (the documents collection authority) has told me that I have to bring some proof for my mother. He verified the other documents but didn't write the word verified in one document. Next day when I went to him with a document, firstly he said that, he doesn't have time. I told him that he had verified other document. He checked the documents and found the word verified is missing in one document. He told me to come later with all the original documents. If this is the case, how can we believe a bank official? After providing all the documents, if the documents are lost they can simply say that we have not provided any documents. Is it possible to go to bank daily and see when he is not busy? Is it our oblligation only to provide documents and they can take when they manage time? My father is a pension holder, he is giving life certificate every year. Why does he need identity proof? As written on the website o[censored]BI, doesn't mean that, in case of wife having joint account with husband, doesn't require proof? I had mailed to to higest authority of Cachar also but haven't got any response from his part.
Amit Bhattacharjee
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