Iob Online Account Opening: Fill & Download for Free

If the criterion applied is rate of interest, Kotak and Yes Bank qualify.If account-opening speed matters, some nationalized banks where account-opening operations are not centralized yet (like IOB), do a quick job.Minimum KYC documentation may be a concern, where you can choose either the Basic Savings Account type in any bank, or choose a co-operative bank.If online banking matters, compare the facilities provided by different banks, with the minimum average balance required, and make your choice.If you are opening a salary account, choose the bank with which your company has a tie-up, to get maximum benefits.It is ultimately a matter of what suits your requirement.

Want to transfer your Sukanya Samriddhi Account from post office to bank? Or you want to transfer from one post office to another post office or one bank account to another bank account? This situation mostly arrives when someone changes city due to the job or any other reason.I will help you to understand the process and answer all your queries. Just for your information, if you have SSA account in post office better you transfer that to any of the authorized banks so that you can enjoy better facilities like net banking transfer, online balance check etc.List of Authorized Banks for Opening / Transferring Sukanya Samriddhi AccountAlthough I have shared already, here is the list of 28 banks where you can transfer your SSA account from the post office.State Bank Of India (SBI)State Bank Of Patiala (SBP)State Bank of Bikaner & JaipurState Bank of Travancore (SBT)State Bank of Hyderabad (SBH)State Bank of Mysore (SBM)Andhra BankAllahabad BankBank of Baroda (BOB)Bank of India (BOI)Punjab & Sind BankBank of MaharashtraCanara BankCentral Bank of IndiaCorporation BankDena BankIndian BankIndian Overseas Bank (IOB)Punjab National Bank (PNB)Syndicate BankUCO BankOriental Bank of Commerce (OBC)Union Bank of India (UBI)United Bank of India (UBI)Vijaya BankAxis Bank LtdICICI Bank Ltd.IDBI Bank Ltd.Note: You can also open SSA account in other banks like HDFC Bank, ICICI Bank which are not mentioned in the initial list of authorized banks. Please check your bank website or call them whether they have enabled the SSA account opening process.Steps To Transfer Sukanya Samriddhi Yojana AccountThis is a very simple step by step guide and I will describe for one process. I will share the process of transfer from the post office to the bank, you can follow the same for the bank to bank also. In the case of the post office to post office transfer, you can do it easily if both the post offices are CBS enabled.Step #1 Visit Your Post OfficeFirst of all, you have to visit your post office where you have opened the SSA account. Make sure you carry all necessary documents like passbook, photo id proof, KYC document, a photograph of girl child etc.Step #2 Fill up account transfer request formYou have to fill up the account transfer form which is nothing but the SSA account closure form. You have to share the details of the bank where you want to transfer your bank account.Step #3 Document verificationAfter that post office executive will verify the documents and after successful verification, you will be provided with the documents like Original certified copy of the account, application form filled up, remaining account balance DD or cheque etc.Step #4 Visit Your BankAfter that, visit your nearest bank and follow the process of new account opening. You have to fill up the SSA application form and submit all the necessary proofs with the documents received from the post office.After verification by the bank executive, you will get the new SSA passbook. The amount will be transferred from the post office to bank account in next few days.ConclusionSo, these are the simple step by step process with which you can easily transfer your Sukanya Samriddhi Account from the post office to SBI, HDFC Bank, ICIC Bank etc. You can write a comment below and share your experience or any question regarding Sukanya Samriddhi Yojana transfer process.Original Post: How To Transfer Sukanya Samriddhi Account From Post Office To Bank?

My View and experience is any bank which has it's head office in South India like Tamil Nadu, Karnataka or Kerala would be having excellent service like Indian Overseas Bank, Indian Bank,Vijaya Bank among Nationalized Banks and City Union Bank, Lakshmi Vilasa Bank, Karur Vyasya Bank, The South Indian Bank among Pvt Sector banks if South Indian Staff are Posted in branches irrespective of Geographical Location on PAN India Basis.It is better to open a Savings Bank Account with a Nationalized Bank than with a Private Sector Bank like ICICI, HDFC, Citi-Bank, AXIS etc for safety. Also these pvt banks have very high service charges, penalities and high minimum balance requirements in Savings Bank Accounts.During Demonetization in India 08th Nov-31st Dec 2016 the maximum amount of old 2 new illicit currency swap for commission was done by the above Private Sector Bank Managers only using 0 Balance Jandhan Savings Account of Illiterate semi literate holders ! So ethics & transparency of these Banks is a Big ????ICICI Bank CEO was involved with unethical Conflict of Interest business Lending, had to go on long leave & resigned voluntarily having been at the helm for 20+ years.A recent RBI survey also revealed that ICICI Bank employees were involved in maximum fraudulent activities.For FY 2017-2018 only Indian Bank & Vijaya Bank made profits due to very cautious prudent lending !In all cases Internet, Mobile Banking, Mobile Transaction Alerts, ATM Cum Debit Card are standard features but it is not advisable to keep cash balances excess of Rs 5,000 if all these facilities are enabled due to risk of electronic fraud.One important point to consider is that for signature attestation/verification purposes, for Shares, Repayment of Fixed Deposits etc most Co’s insist on getting it done from Nationalized Bank Only.If PAN India Offline, ATM's, Netbanking reach & presence is considered then State Bank of India Rocks.It is enough to have Just one Regular Savings Bank Account with State Bank of India near your home or office in sole single name like that in PAN & Aadhaar Card which can be verified & linked with Income Tax E-Filing Website & will also facilitate payment of Direct Taxes.Why I emphasize on Single Name A/c is joint depositors ID with PAN+Aadhaar Link will clash with their Single Name A/c's ! Also joint accounts need the signatures of both Account holders for simple things like changing Registered Mobile # for SMS alerts of bank, net banking dr card etc !But make nomination.This one SBI A/c can be used for PPF Deposits & NPS in the same branch.In addition to SBI another Post office Savings Bank A/c in any Govt of India Post Office for Post Office Small Savings Schemes.Any thing more than this 2 is not advisable due to multiple charges of Debit Card, SMS Alerts, Internet Banking Charges, hassles of keeping track, maintaining minimum balance requirements, impossibility of Income Tax Evasion, Money Laundering,due to PAN+Aadhaar + Bank A/c Link & Online Form 26AS etc.The above is proved correct after the Kerala High Court Verdict on 16/05/2017 for Petition # (WP-C No. 37894/2016)(Kindly Search Google for more on this) that no Employee of any Govt or Private Sector, can be forced to open a Salary A/c with his Employers Bank if they already have a bank account then that Salary can be transferred by Cheque or via Electronic Transfer to the already existing bank a/c of the employee.Refer Times of India Dated 16–05–2017.This Judgement is very much relevant in the present times where people change Jobs/Cities Frequently & cannot keep opening/closing a Salary Bank Account each & every time.In PSU Banks Uco Bank is to be avoided at all costs with branch service in shambles.I have been dealing with it since the last 30+ yrs with the same rut staff and rutt service.But their Android Mobile Banking Apps are world class & 100% reliable as opposed to IOB's.In IOB Mobile Banking App M PIN & UPI PIN is interlinked. Once you change it from 4 to 6 Digits,in IOB Mobile App, BHIM, PhonePe UPI Apps will not do Funds Transfer. Same in IOB if you change your Registered Mobile Number.The above is my personal experience since March 2018 till date. My UPI Funds Transfer doesn't work.In Foreign Banks avoid Standard Chartered Bank as it is a purely anti consumer, anti employee bank, with all one sided rules regulations loaded heavily in favour of the Bank.In short they would even take your “breath air” in writing before opening an account or sanctioning a loan with pathetic customer service with no resolution for problems.My personal experience.As compared to Standard Chartered Bank a Government of India, Post Office Savings Bank, has better service with more human, down to earth & people centric helpful staff.Swami Aniruddha