Choose a Suitable Bank and Account Type

• Visit the official website of your preferred bank offering online current account services.
• Compare features, minimum balance requirements, and business-specific benefits.
• Select the appropriate current account type based on your business needs.
• Check if your business structure (proprietorship, partnership, LLP, company) is eligible.
• Review the list of required documents and digital KYC options.

Complete the Online Application Form

• Navigate to the “Open Current Account” or “Apply Now” section.
• Fill in personal and business details such as name, business type, address, and contact info.
• Choose mode of operation (e.g., single, joint, or with authorized signatories).
• Provide PAN, Aadhaar, or other identification details as requested.
• Upload scanned copies of necessary documents in the specified format.

Submit Business and KYC Documents

• Submit documents like GST registration, business license, PAN card, and utility bills.
• Proprietors may need personal PAN and Aadhaar; companies require incorporation certificate and board resolution.
• All signatories must upload identity and address proof.
• Ensure that documents are current, legible, and properly attested if needed.
• Some banks may ask for a digital signature or eSign.

Complete Digital Verification Process

• Most banks use video KYC or OTP-based Aadhaar e-KYC for authentication.
• Join a live video call with a bank representative if required.
• Keep original documents handy for instant verification.
• Some banks may conduct telephonic verification or email validation.
• Digital verification is typically completed within 1–2 business days.

Account Activation and Welcome Kit

• Once approved, the bank issues the account number and login credentials via email/SMS.
• You may receive a virtual welcome kit with internet banking access, UPI ID, and e-cheque services.
• Physical cheque book, debit card, and welcome letter are delivered to your address.
• Set up net banking, transaction limits, and alerts after first login.
• Begin using your current account for business payments and collections.