Notification of Majority

• The bank monitors the date of birth to identify when the minor turns 18 years.
• An official intimation is sent to the account holder for conversion.
• The account is temporarily marked for KYC update and status change.
• Guardian’s rights are automatically suspended upon majority.
• The account holder is required to initiate the conversion process.

Submission of KYC Documents

• The now-major individual must submit fresh KYC documents.
• Accepted proofs include Aadhaar card, PAN card, and address proof.
• Recent passport-size photograph is also required.
• Documents must be valid, current, and self-attested.
• The account holder must provide a specimen signature for records.

Account Revalidation Procedure

• The individual fills a conversion request form provided by the bank.
• Existing account details are verified and linked to the updated KYC.
• All operational mandates set under guardianship are removed.
• The account is reclassified as a regular individual savings account.
• New cheque book, debit card, and net banking credentials are issued.

Closure of Guardian’s Role

• Guardian’s authority over the account is formally closed by the bank.
• No further consent or signature is required from the guardian.
• Nomination must be updated to reflect the major account holder’s choice.
• Any joint mandate previously in place is reviewed and revised.
• The guardian is notified about the transition, if necessary.

Activation and Continued Use

• The converted account becomes fully operational under the individual’s name.
• All features of a regular savings account are enabled.
• The account holder may now access credit facilities, investment products, and full digital banking.
• Transaction limits are revised according to standard account policies.
• Periodic KYC updates are required as per RBI norms.