Opening a bank account online in India is a straightforward process today, thanks to digital banking and the government’s push for financial inclusion. Here’s a step-by-step guide to open a savings or current account online: Step 1: Choose the Bank Decide which bank you want to open an account with (e.g., SBI, HDFC, ICICI, Axis Bank, etc.). Visit the official website or download the bank’s mobile app. Step 2: Select Account Type Choose the type of account you want to open (Savings Account, Current Account, Salary Account, etc.). Some banks offer zero balance savings accounts or special accounts for students, senior citizens, etc. Step 3: Fill in the Online Application Form Provide personal details: Name, Date of Birth, Address, Contact Number, Email ID. Upload identity proof and address proof documents (e.g., Aadhaar card, PAN card, passport, voter ID). Provide your PAN (Permanent Account Number) — mandatory for most accounts. Enter your nominee details (optional but recommended). Step 4: KYC (Know Your Customer) Verification Most banks now use Aadhaar-based e-KYC (biometric or OTP verification). You might have to do video KYC, where you interact with a bank executive on a video call to verify your identity. Some banks accept digital KYC using your Aadhaar and PAN without physical documents. If you can’t complete e-KYC, some banks may require physical document submission or a branch visit later. Step 5: Set Account Preferences Choose your debit card type (classic, platinum, etc.). Opt for internet banking and mobile banking services. Set your nominee if not done earlier. Step 6: Submit Application Review all details carefully. Submit your application online. You will receive an acknowledgment number for tracking. Step 7: Initial Deposit (if required) Some accounts require a minimum initial deposit (can be done online via net banking or UPI). Others, like zero-balance accounts, may not require any deposit. Step 8: Account Opening Confirmation The bank processes your application and verifies your documents. After approval, you will receive your account number, debit card, and net banking credentials via email/SMS or courier. Debit card and checkbooks are usually sent to your registered address. Tips: Use official bank websites or apps to avoid fraud. Keep scanned copies of your documents handy for quick upload. Aadhaar and PAN are the most commonly accepted documents. Video KYC saves time and avoids branch visits.