Creating and operating account

Pradeep,

I fail to understand how on the basis of merely blank form the bank account was opened. The bank has to follow KYC norms. The bank form must have your photograph, your personal presence as also the production of the original documents for verification is also part of KYC. You are silent on this. Opening and operating comes next after crossing the stage of KYC. Hope you have got your answer.

Pradeep,

I fail to understand how on the basis of merely blank form the bank account was opened. The bank has to follow KYC norms. The bank form must have your photograph, your personal presence as also the production of the original documents for verification is also part of KYC. You are silent on this. Opening and operating comes next after crossing the stage of KYC. Additionally, these days RBI has made in mandatory to send the cheque book by post/courier only. Hope you have got your answer. 

yes I am also agree with Mr. Deepak Sir.

Yes sir, Let me provide more details. My advocate had taken my signatures on the photocopies of the PAN and ration card and has opened the account. The advocate had mentioned that the photocopies will only be used for court purposes. Also regarding the withdrawal, the Bank is a co-operative bank and they do not have the cheque book. they have some voucher through which they get the cheque encashed.  Let me know if more details are required.