How to close a bank account

To close a bank account in India, you generally need to visit your home branch and follow these steps:

• Ensure your account balance is zero and all pending transactions are cleared.
• Unlink automated payments, such as EMIs or utility bill instructions.
• Submit a filled account closure form along with a valid ID proof like Aadhaar or PAN.
• Surrender your passbook, unused cheque leaves, and debit card to the bank.
• Collect a written acknowledgment of the closure request.

Banks may charge a fee (often around ₹500) if closed between 15 days and one year of opening.