Can a bank refuse to open an account?

Yes, a bank can refuse to open an account under certain conditions. Common reasons include the failure to provide valid KYC documents such as Aadhaar, PAN, or proof of address. Banks may also decline applications if the information provided is found to be forged or suspicious. Additionally, a bank may refuse to open a specific type of account if the applicant already holds a similar account, such as a Basic Savings Bank Deposit Account, or if the applicant does not meet the bank's internal eligibility criteria.