18 years of age.

WHO IS THE GUARDIAN OF A MINOR :

The guardian to a minor can be a: (a) Testamentary Guardian, or (b) Legal Guardian, or (c) Natural
Guardian.

Guardian appointed by the will of the minor's father

For a minor married girl, who has become a widow,

The natural guardian of an adopted son

For a Muslim minor, Father is the natural guardian (for property only). After father, guardianship lies
with (i) executor appointed by father‘s will and after him (ii) father‘s father (iii) the executor
appointed by the will made by the father‘s father

For term deposits maturing for payment on or after a date on which the minor attains majority, the
guardian has no power to foreclose the same.

Death of Minor: Balance is payable as a claim case.

Death of Guardian: The balance is treated as a Trust and is paid to the minor upon his attaining
majority

Self Operated Minor Account: Minors who have completed 10 years of age, who are literates and
can sign uniformly

No Current Account

Cheque book may be issued to the minor customer. However, the cheque will be paid against the
Credit Balance in the account. Account is not allowed to be over drawn.

Joint Accounts in the name of two illiterates can be opened

Passing official verifies left hand thumb impressions affixed in his presence and the amount
withdrawn is orally confirmed, by the (illiterate) depositor.

Cheque book to blind persons should be with ordinary crossing and the word „bearer‟ substituted
with „order‟ so that the payees could be traced.

Even cheque book / cheque leaves can be issued to the blind customers who put thumb impression
or cannot sign consistently, for certain specified purposes, such as payment of loan instalments,
utility bill payment.

Considering the fact that the blind persons / persons with low v