Types of Customers
TYPES OF CUSTOMERS
1. MINOR: A minor is a person below 18years of age.Minority is also extended till 21 years if a guardian is appointed by the court in case he is not having a parent.If a minor girl is married then her husband will be her guardian.According to Hindu law ,if a person is practicing some spiritual work ,then he cannot act as a guardian.According to Indian contract act 1872 a minor cannot enter into contract.Joint Account can be opened by two minors together . In-case of joint account if a minor becomes a major and the other is still a minor then the account is considered only as a minor account. The birth certificate should be provided to the bank for opening a account. In case of a Muslim child a mother cannot act as a guardian and only the father can act as a guardian. If the minor is a partner of the firm he can only act as a member.
2. MARRIED WOMEN: A married women can have an individual account. It cannot be operated by her husband. If it is accepted only the husband can settle the debts.
3. PARDHANASIN WOMEN: Pardhanasin women is the women who do not know the outside world and stays inside the house.A pardhanasin women can open a account but she should be clear with all the terms and conditions of the bank and the type of account she is opening.The banker is responsible to explain all the terms and conditions of the bank.It is made for the safety of the bank to protect from any problems that may occur in future.
4. DRUNKEN CUSTOMER: This person can open an account but there must a witness to open an account and he must sign the papers. This is done to prevent the bank from future problems.
5. LUNATICS: A lunatic is a person who is not with a stable mind .he cannot open an account.
6. TRUSTY: The trust deed should be given to open an account.The trust deed contains the information's of all the members.If a new trusty is entered or any trusty is
1. MINOR: A minor is a person below 18years of age.Minority is also extended till 21 years if a guardian is appointed by the court in case he is not having a parent.If a minor girl is married then her husband will be her guardian.According to Hindu law ,if a person is practicing some spiritual work ,then he cannot act as a guardian.According to Indian contract act 1872 a minor cannot enter into contract.Joint Account can be opened by two minors together . In-case of joint account if a minor becomes a major and the other is still a minor then the account is considered only as a minor account. The birth certificate should be provided to the bank for opening a account. In case of a Muslim child a mother cannot act as a guardian and only the father can act as a guardian. If the minor is a partner of the firm he can only act as a member.
2. MARRIED WOMEN: A married women can have an individual account. It cannot be operated by her husband. If it is accepted only the husband can settle the debts.
3. PARDHANASIN WOMEN: Pardhanasin women is the women who do not know the outside world and stays inside the house.A pardhanasin women can open a account but she should be clear with all the terms and conditions of the bank and the type of account she is opening.The banker is responsible to explain all the terms and conditions of the bank.It is made for the safety of the bank to protect from any problems that may occur in future.
4. DRUNKEN CUSTOMER: This person can open an account but there must a witness to open an account and he must sign the papers. This is done to prevent the bank from future problems.
5. LUNATICS: A lunatic is a person who is not with a stable mind .he cannot open an account.
6. TRUSTY: The trust deed should be given to open an account.The trust deed contains the information's of all the members.If a new trusty is entered or any trusty is