Delisha oznzi (DESK PEN SET ASSEMBLER)

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.