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Selfe Account Creation

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Acknowledgement

Opening of Full KYC Savings Bank (Selfe Savings) Account through your Equitas Digital Platform.

I/we are aware of and undertake to you as follows:

Opening this Savings Bank account online through Equitas digital platform has no intervention or role of the Bank except providing the facility of the digital platform.
I/We agree and confirm that I/We am/are not a Non-Resident Indian (NRI) and not below the age of 18.
The identity proof of the account opening is my/ our Aadhaar Card and PAN
I/ we agree and hereby authorise Equitas Small Finance Bank to collect my/ our personal details using OTP. Aadhaar E-KYC which will be used for KYC purposes.
My/ our personal details are being drawn from the database maintained by UIDAI based on the Aadhaar number provided by me/ us. Bank is not responsible for any incorrect information that may appear in the data provided by me/ us.
The opening of the account will be confirmed only after I/ we enter the OTP number received to my/ our mobile number linked to and available in Aadhaar database.
As the details are drawn from UIDAI data base, they cannot be modified or altered by me/us.
I/ we are solely responsible for the data made available for opening the account.
The data may be lost or get distorted during transmission and I/ we shall not make the Bank liable or responsible for the same.
As the process of opening bank account is through digital platform, there could arise technical fault or error during the opening of the account, which is beyond the control of the Bank and the Bank shall not responsible for any loss in this regard.
In an event of mismatch in Aadhaar Details and PAN, I/ we acknowledge that the Bank has the right to reject our application and refund my/ our amount. If applicable.
I/ we declare that no other account has been opened nor will be opened using OTP based Aadhaar e-KYC within the same Bank or with any other bank.
I/ we are aware that the link for opening Selfe Account uses cookies to ensure best experience.
I/We agree that the account opened by me/us will be subject to due diligence, regular scrutiny and monitoring by the bank and bank reserves the right to mark hold/debit freeze/ close the account at its sole discretion, in case of discrepancies observed duirng due diligence, suspicious transactions, transactions not in consistent with RBI guidelines pertaining to the account or opened with fictitious or fabricated documents etc. If any balance whatsoever available in the account during closure, Bank will refund the same to customers Aadhaar linked bank account after deducting the applicable charges if any.
In case of any discrepancy/rejections, demand draft will be issued & dispatched to registered address
I/ we do agree to all the general Terms & Conditions which can be accessed at:
- TERMS AND CONDITIONS WHICH SHALL BE APPLICABLE TO ALL THE ACCOUNTS WHICH ARE EXISTING OR MAY BE OPENED ANYTIME IN FUTURE WITH EQUITAS SMALL FINANCE BANK (THE BANK/ESFB): https://www.equitasbank.com/pdf/Terms-conditions.pdf
- WEBSITE USAGE TERMS & CONDITIONS: https://www.equitasbank.com/website-terms-and-conditions.php
- INTERNET BANKING TERMS & CONDITIONS: https://www.equitasbank.com/pdf/Digital-Internet-Banking-Terms-Conditions.pdf
- MOBILE BANKING SERVICES TERMS & CONDITIONS: https://www.equitasbank.com/pdf/Mobile-Banking-Terms-Conditions.pdf
- TERMS AND CONDITIONS GOVERNING UNIFIED PAYMENTS INTERFACE (UPI) SERVICES OF THE NATIONAL PAYMENT CORPORATION OF INDIA (NPCI): https://www.equitasbank.com/pdf/upi-terms-and-condition.pdf
- ONLINE BILL PAYMENT TERMS AND CONDITIONS: https://www.equitasbank.com/pdf/Bill-payment-T&C.pdf
To avail Direct Benefit Transfer– please convert your account to Fully KYC by visiting nearest branch.

Acknowledgement

I/We, am/are aware of the following :

I/We have applied for opening of Savings Bank Account for Salary with Equitas Small Finance Bank Ltd (ESFB)
I/We confirm that I/We have opted for the Product Variant as mentioned below.
Reversal of Salary Credits: I/we hereby irrevocably and unconditionally authorize the Bank, at the request of my employer, to recover all or any money, subject to the availability of credits in my account, by marking of hold funds/debiting/reversal of any wrong credit or any excess amount credited by and/or on the instructions of the employer into my account. Further, Bank is entitled to comply with any order of court, forum, tribunal or authority directing to effect debit freeze under the account or attaching the account without any reference to me. Under the above circumstances, I hereby confirm that I shall not hold the bank liable or responsible in case of dishonour of any instrument or standing instruction issued by me under the said account. I confirm that no authorization or consent is required from me, however, you may provide an intimation to me of such marking of hold funds/debiting/reversal of any wrong credit or any excess amount under my account. The Bank shall not be responsible and liable for any such act.
I/we acknowledge that the benefits provided to me, though at your discretion, shall hold good only as long as I am in employment with my employer or till the subsistence of the arrangement between you and my employer. I shall notify the Bank on cessation of service with my employer. The words "the employer" refers to the corporate in which I am presently employed and on whose request you have agreed to open my Salary Account.
I/we am/are aware that the credit of salary into my account will depend on my employer providing the correct account number of my salary account. In an event of my employer providing incorrect account number or incorrect amount for crediting into my salary account, I shall not hold the Bank responsible or liable for any wrong credit or credit of incorrect amount.
I/we hereby agree that in the event of my Account remaining without salary credits for continuous period of three months from my employer, I am aware that the account, at your discretion, would be closed with notice to me and my employer or you are at liberty to change the status of my Salary Account to Regular Savings Account Variant, without any intimation to me or to my employer and in an event of change of status of my account, the Terms & Conditions as applicable to the Regular Savings Account shall apply from the date of change of status. I am aware that the Terms & Conditions and features applicable to a Regular Savings Account are available on your website and I shall be bound by the same. I am also aware that, from the date of conversion to Regular Savings Accounts if there are no transactions for 6 months and the account balance is nil, the bank will have the right to block/hotlist my debit card linked to the account. I understand that during conversion of my salary account to Regular Savings Accounts or during closure of my Salary Accounts, the reimbursement accounts (if any opened by me) will also be closed. At the time of closure of reimbursement accounts, maturity proceeds (if any available) will be credited to the Salary or Regular Savings Accounts.
I hereby agree that you may, at your sole and absolute discretion, close the Salary Account, in the event of my ceasing to be in the services of my employer for any reason whatsoever after giving me a notice of 30 days.
The bank official has explained to me/us the terms and conditions applicable, details of features and all charges as per banks’ general schedule of features and charges and average quarterly/monthly balance requirement as applicable to the product subscribed by me/us and I/We have agreed to the same by affixing my/our signature.
The bank official has explained to me/us the most important document as set out in the bank’s account opening form including the clause on consent to call and I/We have signed the same after understanding the terms contained therein.
I/we understand I/we will be bound by and have to abide by the bank’s general terms and conditions available on the bank’s website
I/we understand that the bank reserves the right to revise its service charges as laid down in the general schedule of features and charges. I/We also understand that the same is available on the bank’s website
I/We understand and agree that the Savings account should be used to route transaction of only non-business/non-commercial nature. In the event of occurrence of such transactions that may be construed as commercial/suspicious in nature, the Bank reserves the right to decline/reverse such transactions and freeze/close the Savings Account with/without prior notice.
I/we consent and authorise ESFB to extract my/our personal details as available with UIDAI based on my/our Aadhar Number or biometric authentication for the purpose of opening of my/our account. Bank shall maintain strict confidentiality of my/our personal information as may be stipulated by Regulator/s.
I/we authorise Equitas Small Finance Bank to conduct my/our credit history verification with any credit rating agency and acknowledge that Equitas Small Finance Bank shall the right and authority to carry out investigations from the information available in public domain for confirming the information provided by me/us to ESFB.
I/we give my/our consent to receive information with respect to account maintenance, alerts, payments due and updates on existing and new products, servicing of accounts for sale, marketing or servicing my/our relationship with ESFB, its group companies/associates or agents through Telephone/Mobile/SMS/Email etc. Further, I/We understand that my/our consent to receive calls/communications shall be valid and shall prevail over my/our current or any subsequent registration of my number of NDNC and shall continue to be treated as my/our consent/acceptance

Pan Verification

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Your Details

Is your current residence / communication address same as per Aadhaar?

Address Line 1*

Address Line 2

Address Line 3

Pincode*

City*

District*

State*

Mailing Address

Home Branch

I agree to FATCA Declaration

Personal Details

Nominee Details

Fill the nominee details

Note: Nominee once added can be deleted / modified post account opening using Equitas Internet / Mobile banking.

Nominee's Name*

Relationship*

Nominee DOB*

Address same as primary applicant

Address Line 1*

Address Line 2

Address Line 3

Landmark

Pincode*

District*

Location*

State*

Guardian Details

Guardian Name*

Relationship*

Address same as primary applicant

Address Line 1*

Address Line 2

Address Line 3

Landmark

Pincode*

District*

Location*

State*

I agree to Declaration

Please Select Debit and ChequeBook

Debit Card

Cheque Book

IMPORTANT ! PLEASE READ

We are happy to welcome you to the Equitas family !

Kindly note that the account will be opened with the following transaction limits on successful approval post the Video KYC:

Per Transaction limit of INR 25,000 (eg, if 2 transactions are being done each transaction should be Rs.25000 or lesser only).
Per day cumulative Transaction limit of INR 25,000 (eg you can do multiple transaction upto Rs.25000 in a day).
Per month cumulative transaction limit of INR 3,00,000 since the date of account opening (eg you can do multiple transaction upto Rs.3,00,000 in a month)

Once the bank verifies your address (mostly within 15 days),

you will be able to transact as per the transaction limits applicable for your account

Click here for the applicable transaction limits.

Other Bank Details

Wish to Provide other Bank Account details

Note: Please complete your full KYC before 12 months from the date of online account opening, else your Equitas account will be closed and the balance available in your Equitas A/C will be credited to your other bank account details provided below

Account Number*

Confirm Account Number*

Account Name*

IFSC*

Bank Name*

State Name*

City Name*

Branch Name*

Congratulations, Being an Equitas Customer, you can also avail more from our product offerings

Personal Accident Cover

Systematic Investment Plan

View more Products

I agree to Terms & Conditions

*If no Original PAN or E-PAN - relax, enjoy the existing Selfe account valid for 1 year from account opening date

Account Details

	Account Number
	Customer ID
	IFSC CODE

For Internet banking and Mobile banking access, please complete your Video KYC with physical Debit card request

Unlock your free Virtual Debit Card and visit Equitas Bank's internet Banking/Mobile Banking to complete the User Registration for various online services

Your Virtual Payment Address

Your Virtual Debit Card

Benefits

Enjoy unrestricted access and priviliges on your Selfe Account.
Get a Full KYC savings account without visiting the branch.
Seamless KYC direct call / schedule basis your availability.

Instructions

Keep your Pan / E-pan ready.
Smart Phone / Laptop with Camera.
Uninterrupted data connectivity.
A white sheet and a black pen.
A well lit room preferably with plain background wall.
Video Call will be connected only if you are within India.

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Terms and conditions of Video KYC Savings Account

Opening of Savings Bank Account by using mobile’s video digital platform and recording his/her KYC documents

I/we are aware of and undertake to you as follows:

These conditions as stipulated hereunder are in addition to the conditions and not in derogation to the conditions that are displayed on the website of the Bank governing Savings Bank Accounts.
Opening this SB account by using video platform in our mobile phone device and also my/our displaying the KYC documents on the video is out of my own will and volition.
I/We hereby confirm that this account using the video KYC has been opened in my/our location within India and I/We am/are aware that I am/We are prohibited from opening video KYC account outside India. I/We agree to the condition that the Bank is entitled to close the account without any reference to us if it comes to its knowledge that I/We have opened this account from a location outside India.
Bank is authorised to collect my/our personal details from the data base of UIDAI from my/our Aadhar, which will be used for KYC purposes. I am/we are, responsible or liable for any incorrect or fraudulent information or document provided by me/us through the video for opening my/our savings account. Bank is neither responsible nor liable for any error in or incorrect information provided by me/us.
I am voluntarily submitting a copy of my Aadhaar Card without redacting the Aadhaar number as I wish to avail/desirous of availing Direct Benefit Transfer/desirous of receiving Direct Benefit Transfer. I request you to maintain and ensure strict confidentiality of my/our personal information as may be stipulated by Regulator/s from time to time.
The opening of the account will be confirmed only after my/our personal identity information collected from UIDAI by the Bank matches with the details shown on the video.
Except for the address for communication, I/we will not be able to modify or alter any other details drawn from UIDAI database by the Bank.
I/we are solely responsible for the data made available for opening the account through video display.
Bank shall not be held liable for loss or distortion of data during transmission, technical fault or error during the opening of the account using the video platform, for any reason whatsoever.
I/We hereby also undertake to show my PAN Card on the video and authorise the Bank to verify my PAN online through the website of the Income Tax Department.
I am/We are, aware that the link for opening video based Account uses cookies to ensure the best experience.
I/We agree to all Terms & Conditions governing the video KYC account available herein, on the website of the Bank and/or that may be intimated to me/us from time to time by the Bank.
I/We agree and confirm that I/We am/are not a Non-Resident Indian (NRI) and below the age of 18. Though I/We avail the assistance of bank’s personnel for completing the KYC through video platform, I/We am/are aware that the Bank does not play any other role nor intervene and is not responsible for any deficiency in the KYC documents. In case of any discrepancy or shortcoming, I/We undertake to ensure compliance within 12 months from the date of opening of the account again through Video or by visiting the nearby branch of the Bank for KYC compliance; In case of my/our failure, I/We hereby authorize the bank to close my/our account, without any reference to me/us.

Terms and Conditions of this product
I/We, am/are aware of the following:-

- The basis of the account opening is using the video platform of my/our mobile/laptop or any other device which has the capacity to support audio and video.
- I/we agree and hereby authorize Equitas Small Finance Bank Limited to fetch my/our personal details using Aadhaar, which will be used for KYC purposes.
- Upon conversion to full KYC account, variant of the savings account will be "Regular" and "Visa Int Classic Debit Card" will be issued if opted by me/us. I/We also understand that If I/We am/are on-boarded via NIYO X partner of Equitas bank, account will be converted to Equitas Niyo Savings account with Visa Platinum Contactless Niyo Morse debit card. Request for conversion will be processed within 2 working days if otherwise in order.
- Upon conversion of Full KYC Regular Variant Account, Net banking and Mobile banking will be enabled for me/us.
- My/our personal details are being drawn from the database maintained by UIDAI based on the Aadhaar card displayed by me/us on the video during the process of opening my/our account. Bank is not responsible for any incorrect or fraudulent information that may appear in the video display made by me/us. In an event of the Bank coming to know that documents used by me/us for opening the account are forged, fictitious or vitiated by fraud, Bank shall be entitled to close the account without any reference to me/us and I/we undertake not to hold the Bank liable or responsible for any loss that may occur to me/us for any reason whatsoever as the closure of the account by the Bank is attributable to me/us..
- As the details are drawn from UIDAI data base by the Bank, the details cannot be modified or altered by me/us later.
- I/We are solely responsible for the data made available for opening the account.
- Updating (or) Modification of Nominee details if any needs to be submitted to any nearest ESFBL branch.
- I/we hereby inform you that the address shown in my Aadhaar is different from my current address. I further wish to inform you that I/we do not have any Officially Valid Document in proof of my/our current address, hence I/we have executed a declaration confirming my/our current address. I/We request you to send all correspondence pertaining to my account to the address provided under the declaration by me/us and displayed during Video KYC. In the event of any change in this address, I/We undertake to intimate the bank of the same within two weeks of such a change and produce a copy of the official valid document in proof of my new address.
- I/We am/are aware that my address/location falls under non-service of ESFBL, I/We undertake to carry out the transaction through digital banking services and I/We hereby confirm that branch related services would not be available at my/our address/location.
- The image displayed in the video of inferior quality or get distorted, I/We undertake to repeat the exercise on being notified by the Bank.
- Since the opening of the account is through video platform in my/our mobile/laptop, there could arise technical fault or error during the recording of the video and Bank shall not be responsible in any manner whatsoever, for having relied upon the images/pictures displayed in the video and permitted the opening of the account. In an event of mismatch in Aadhaar Details and/or PAN, I/We acknowledge that the Bank has the right to reject my/our application and refund my/our amount.
- I/We agree that the account opened by me/us will be subject to regular scrutiny and monitoring by the bank and bank reserves the right to completely freeze/debit freeze/ close the account at its sole discretion, in case of suspicious transactions, transactions not in consistent with RBI guidelines relating to the account, account opened with fictitious or fabricated documents etc., .
- I/We do agree to all the general Terms & Conditions which can be accessed at https://www.equitasbank.com/pdf/Terms-conditions.pdf
- I/We consent to the jurisdiction of courts in Chennai in an event of any dispute, difference and/or claim.

Personal Accident Cover

Cover Variants

2 Lacs 5 Lacs 7.5 Lacs 10 Lacs

Plan Benefits

Death due to accident
Total & permanent disability due to accident
Completely Digital Policy
Customers Aged 18-70 years are eligible
Zero wait period
check "i" button for exculsions

Tenure

1 Year
100% payment sum assured will be done.

Personal Accident Cover

at Rs.

Proposer Details

Application Id:

123456

Plan Selection

Application Id:

123456

Nominee Details

Application Id:

123456

Click here for prospectus and policy wording

I agree to Terms & Conditions

Terms and conditions

I hereby confirm that,

I understand enrollment under the insurance plan is voluntary & I agree to enroll myself under Reliance general insurance Group Personal Accident Policy issued to Equitas Small Finance Bank for covering their customers. I declare that I have made complete, true and correct disclosure of all the facts and circumstances and I have not withheld or suppressed any information that may be relevant and material to enable the insurance company to make an informed decision about the acceptability of the risk. Should any statements/s be found incomplete, false, incorrect I may be denied the cover or claim at any point in time. I understand that cover will not commence till the time Insurance Companies issues a Certificate of Insurance. In case of any change in any of the statements made prior to acceptance of risk by the insurance Company, I undertake to inform the insurance company about the same

I have read and understood the brochure, prospectus, sales literature & Policy wordings and confirm to abide by the same.
I further declare that I will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the proposal has been submitted but before communication of the risk acceptance by the company
I declare that I consent to the company seeking medical information from any doctor or hospital who/which at any time has attended on the person to be insured/proposer or from any past or present employer concerning anything which affects the physical or mental health of the person to be insured/proposer and seeking information from any insurer to whom an application for insurance on the person to be insured /proposer has been made for the purpose of underwriting the proposal and/or claim settlement.
I authorize the company to share information pertaining to my application including the medical records for the sole purpose of proposal underwriting and/or claims settlement and with any Governmental and / or Regulatory Authority.
Receipt of the Application by the Company shall not be constructed as acceptance of my application. I hereby agree that the insurance coverage shall commence only on realization of full premium and on receipt of complete medical reports (wherever applicable) and subject to underwriting by the Company. The Company at its sole discretion reserves the right to accept or reject any application form without assigning any reason thereof.
I understand that the policy shall become void at the option of the company, in the event of any untrue or incorrect statement, misrepresentation, non-description or non-disclosure of any material fact in the Application Form/Personal statement, declaration and connected documents or any material information having been withheld by me or anyone acting on my behalf.
I hereby declare that the person(s) proposed to be insured would submit to medical examinations, before the nominated doctors of the Company, or undergo diagnostic or other medical tests, as suggested by the Company for its underwriting, if need arises.
I consent to provide a valid age proof and identity proof at the time of claims or any other time when required by the Company.
I consent to receive information from the Company through physical, electronic or telecommunication means from time to time.
I declare that i am not suffering from any pre-existing disease & if found that i have been suffering from any pre-existing disease post purchasing the policy, my insurance cover will be null & void.
I here by state that the address updated in Bank records shall be taken as address on record for the purpose of GST.
I hereby confirm that the contents of the application form and connected documents have been fully explained to me/us and I/We have fully understood the significance of the proposed contract
I agree for the policy terms and conditions and will pay the displayed premium amount to Reliance General Insurance Company Ltd.
I confirm that I am a Equitas Small Finance Bank Customer and if found that i am not a customer of Equitas Small Finance Bank, my policy will be cancelled and the premium amount will be refunded to my bank account from Reliance General Insurance Company Ltd as per the policy terms and conditions.
I hereby declare that on my behalf & on behalf of all persons proposed to be insured that the above statements, answers and/or particulars given by me in this proposal form are true and complete in all respects to the best of my knowledge and that i am authorized to propose on behalf of these other persons.
I hereby agree to automatically debit my Equitas Bank account mentioned in the digital form for all future payment with regards to this policy
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take\out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the insurer.

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Funding Details

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Virtual Payment Address(example@bank)*

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Account Number*

IFSC Code*

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Refid:#

123456

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*If no Original PAN or E-PAN - relax, enjoy the existing Selfe account valid for 1 year from account opening date

Click here for Systematic Investment Plan

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123456

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*If no Original PAN or E-PAN - relax, enjoy the existing Selfe account valid for 1 year from account opening date

Click here for Systematic Investment Plan