PNB Bank KYC form for CERSAI from Download

Here are the key points of the Central KYC Registry (CKYC) Application Form for individuals used by Punjab National Bank in alignment with CERSAI guidelines:

• Language & Case: The form must be completed entirely in English using BLOCK letters (KYC form f… p. 1).
• Date Entry: All date fields follow a strict DD-MM-YYYY formatting mandate (KYC form f… p. 1).
• Application Categories: Handles “New” registrations or “Update” requests (KYC form f… p. 1). Updates require a mandatory 14-digit KYC Identifier Number (KYC form f… pp. 1-2).

The form supports three distinct operational account types based on risk profiling:

• Normal: Requires full standard document submissions (KYC form f… p. 1).
• Simplified: Tailored for low-risk customers using simplified measures (KYC form f… p. 1).
• Small: The least restrictive tier. It exclusively requires basic personal data, a passport photograph, a signature or thumb impression, and a standard self-certification (KYC form f… pp. 1, 3).

• Verification Match: The name provided with a prefix (Mr/Mrs/Ms/Dr) must exactly match the attached Proof of Identity (PoI), or the application will be rejected (KYC form f… pp. 1, 3).
• Father’s Name Rule: Providing either a father’s or spouse’s name is mandatory (KYC form f… p. 3). However, if the applicant does not possess a PAN card, the father’s name becomes strictly mandatory (KYC form f… p. 3).
• Document Expiry tracking: If a Driving License or Passport is submitted as proof, the applicant must provide the explicit expiry date (KYC form f… pp. 1, 3).

For Simplified Accounts, unique document codes are used if standard primary OVDs are unavailable:

• Identity Codes (Point 3S): Permitted codes include an identity card with a photograph issued by Central/State Govt departments, public undertakings, or commercial banks (Code 01), or a formal letter featuring an attested photo signed by a Gazetted Officer (Code 02) (KYC form f… p. 3).
• Address Codes (Point 4.1): Acceptable documents include utility bills under 2 months old (Code 01), Municipal tax receipts (Code 02), Bank/Post Office statements (Code 03), Pension Payment Orders containing an address (Code 04), or official employer accommodation allotment letters (Code 05) (KYC form f… p. 3).

• Foreign Tax Jurisdictions: Applicants with tax residencies outside India must report their Tax Identification Number (TIN) or a functional equivalent (such as a Social Security or Resident Registration Number) alongside their place and country of birth using ISO 3166 two-letter codes (KYC form f… pp. 1, 3).
• Related Persons (Annexure B1): Tracks connected individuals categorized by type, such as a Guardian of a Minor, an Assignee, or an Authorized Representative (KYC form f… pp. 2, 6).
• Nominee Exemption: While related entities require a recorded Proof of Identity, nominees are explicitly exempt from identity document attachment requirements under these tracking guidelines (KYC form f… p. 5).

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