How to fill joint account form of sbi?

It is not so difficult. I opened one with my partner.

First, you get the form from the bank branch. Both persons must fill their details. This means name, address, phone number, and PAN number for everyone. The form has sections for Applicant 1 and Applicant 2.

You will need to stick your photo picture on the form. Both people need to give a photo.

A very important part is 'Mode of Operation'. You must choose one. 'Either or Survivor' is good. It means one person can take out money. 'Jointly' means both must sign always.

Then, you both give copies of your ID proof and address proof. Like your Aadhaar card. Everyone must sign the form. It is best to sign in front of the bank officer.

I’ll give a slightly different perspective because I made mistakes when I filled mine. The form is divided into four major parts: 1. Personal details – straightforward, just fill from your Aadhaar/PAN. 2. Mode of operation – this is where I got confused. If you’re not sure, ask the staff. I ticked “Jointly” by mistake, which meant both of us had to sign every cheque. Later I had to submit modification request to change it to “Either or Survivor.” 3. Nominee details – don’t skip this! Nominee ensures smoother settlement in case of unforeseen circumstances. 4. KYC declaration – tick all relevant boxes. My advice: fill with a black pen, keep it neat, and double-check everything before submission.

Opening a joint account in SBI is a pretty simple process, but filling the form can look confusing if you are doing it for the first time. I recently went with my wife to open one. Here's what I observed step by step:1. Get the joint account opening form from the SBI branch.2. On the top portion, you’ll be asked for account type (Savings, Current, etc.). Tick the correct box.3. Both applicants have to fill personal details like name, father’s name, date of birth, PAN, Aadhaar, occupation, and address.4. The form has a section for mode of operation: - Either or Survivor (most common for couples) - Jointly (both must sign for every transaction) - Former or Survivor Tick whichever is appropriate.5. Paste passport size photos of both account holders and sign across them.6. Both applicants sign at the bottom where it says Signature of Applicant 1 and Signature of Applicant 2. Don’t worry if you make mistakes – staff at the branch will guide you.

When filling SBI joint account form, remember that SBI has slightly different versions of forms depending on state and branch. But all require the same info:- Applicant 1 and Applicant 2 details (name, DOB, address, occupation).- Mode of operation.- Specimen signatures.Also, both applicants must visit branch in person for verification. If one applicant is abroad, then attested documents from embassy are required. If you’re just opening a simple savings account with your spouse, it’s usually done in 1 hour. My suggestion: fill whatever you can at home, then complete tricky parts like operation mode at the bank counter with staff guidance. Saves time.

I filled one last year for my parents. Here’s exactly how we did it:- Took joint account opening form (it’s about 6 pages). - My father filled as Applicant 1, my mother as Applicant 2. - We attached passport photos, PAN, Aadhaar copies. - We selected Senior Citizen Savings Account type. - Chose Former or Survivor mode, because Dad wanted to be primary operator. - Added my name as nominee. Everything was checked and accepted in one go. Within two days, passbook was ready. Honestly, the hardest part was getting neat passport photos that matched Aadhaar! :)

From a layman’s view: it’s basically filling names, ticking boxes, and signing. Don’t overthink. I opened with my brother. The real challenge is not filling the form, but waiting in the queue! Carry pen, documents, and photos. Bank staff are usually helpful. If in doubt, just leave the field blank and ask the officer before submitting. That’s the safest way.

I am currently working in SBI as Assistant Manager. Let me share professional guidance:- Always read instructions printed on the form’s back. - Use BLOCK letters. - For PAN and Aadhaar, both must be self-attested and shown in original. - Occupation field is compulsory; many leave it blank and face rejection. - Mention exact relationship between applicants (spouse, father-son, etc.) where required. - Do not forget to fill Introducer’s details if branch asks. Once submitted, your CIF numbers (Customer Information File) are linked, and a new joint account number is generated. ATM cards and cheque books are optional but can be requested.

I’m a retired banker, and this question brings back memories of guiding countless people. The joint account form of SBI is not difficult. What matters is accuracy and clarity. My advice:- Fill names exactly as in Aadhaar/PAN, don’t use initials unless your IDs have them.- The communication address must be complete with PIN code. Most delays happen because of partial addresses.- Attach self-attested copies of PAN and Aadhaar for both applicants.- Choose “Either or Survivor” unless you specifically need otherwise. This option ensures that if one holder is not available, the other can operate without hassles.- If you want ATM cards, tick the debit card request section for each applicant.- Finally, submit with passport photos and sign in presence of bank official.The bank will verify everything, and within 5-7 working days, you should get your account kit.

I once filled it incorrectly and had my form rejected, so I’ll warn you: - Do not overwrite. If you make mistake, take fresh form. - Do not staple photographs – paste them properly. - Ensure your signatures match exactly with ID proof. These tiny mistakes delay the process. Take 20 minutes, fill carefully, and you’ll be fine.

I prefer online things, so let me add: SBI also allows account opening process online through YONO app, though joint accounts usually require physical verification. Still, you can start online by filling details, generating reference number, and then submitting documents in branch. Saves time as half of the form gets pre-filled. Highly recommended if you are tech-savvy.

If you are opening account with parents or spouse, make sure you think carefully about operation mode. For elderly parents, “Either or Survivor” is better. For business partners, “Jointly” is safer. This small choice affects your day-to-day banking. Otherwise, the form itself is standard: name, address, PAN, Aadhaar, sign, attach photos. Done.