How to Add a Joint Holder to Your SBI Savings Account: A Comprehensive Guide
Introduction
Adding a joint holder to your SBI savings account can be a straightforward process, with both online and offline options available. This guide covers the step-by-step procedures, including both digital and in-person methods, ensuring you have all the necessary information to make the addition of a joint holder seamless.Adding a Joint Holder Online
If you prefer a hassle-free and time-efficient method, adding a joint holder to your SBI savings account online is a viable option. Here’s how to do it: Log in to Internet Banking: Visit the SBI internet banking website and log in using your credentials. Ensure you have your login id and password saved or ready to use. Navigate to the Service Request Section: Once logged in, locate the “Service Requests” tab in the menu options. This section will guide you through various account modifications and additions. Select the Option for Adding a Joint Holder: Under the Service Requests, find and select the option related to adding a joint account holder or modifying account details. This section specifically allows you to add another person to your existing account. Fill in the Required Details: Provide the necessary personal and identification details for the new joint account holder. Include their name, relationship, and any relevant identification details such as PAN card or Aadhar card number. Submit the Request: After filling out the form, review the information to ensure accuracy. Then, submit the request to proceed with the addition of the new joint holder. Documentation: Depending on SBI's requirements, you may need to upload certain documents like identity proof of the new joint holder. If such documents are required, upload them immediately. Otherwise, proceed to the next step. Confirmation: After submitting the request, you should receive a confirmation message via email or SMS. Keep an eye on these communications for updates.Note that the exact steps may vary slightly based on updates to SBI online systems or specific account types. Always check the latest guidelines on the official SBI website or contact customer support for assistance.
Adding a Joint Holder Offline
If you find the online process challenging or prefer a more traditional approach, you can add a joint holder by visiting your nearest SBI branch. Here’s the offline procedure: Fill Up the Account Opening Form: Complete the account opening form for the new joint holder. If this person does not have an SBI account, you will need to fill in the form to open an account for them. Ensure that the form includes all necessary information and the correct boxes are ticked. Provide KYC Documentation: If your new joint holder already has an SBI account, you will need their passbook copy. If not, you must provide documents such as the PAN card, Aadhar card, address proof, and identity proof. These documents will help verify the identity and legitimacy of the new account holder. Inform Branch Manager: Write a message to the branch manager informing them of your intention to add a new joint holder to your account. Make sure to keep a record of this conversation for future reference. Submit Documents: Collect and submit all the necessary documents to the concerned authority at the SBI branch. The SBI utive will review and verify these documents and forms. Final Verification: Once the documents and forms are verified, a new joint holder will be added to your account at SBI.The offline method requires more time and effort but can be equally effective. Just ensure that all documents are submitted on time and in compliance with SBI's requirements.