What is a Bank Affidavit?
A bank affidavit is a legally sworn declaration submitted to a bank for various purposes such as loan application, KYC update, account opening, nominee declaration, address verification, and other banking transactions where a sworn statement is required.
Banks often require a notarized affidavit when there are discrepancies in documents, when traditional proofs are unavailable, or when a specific declaration is needed under oath. A bank affidavit provides legal validity and assurance to the bank about the truth of the information provided.
Note: A bank affidavit is a self-declaration sworn before a Notary Public. Different banks may have specific formats or requirements, so always confirm with your bank branch before submitting.
When is a Bank Affidavit Required?
A bank affidavit is commonly required in the following situations:
- Loan applications — Education loan, home loan, personal loan, business loan
- KYC updates — Address re-verification, identity confirmation
- Name mismatch resolution — When name varies across documents
- Address proof — When other proofs are unavailable
- Nominee declaration — For account or deposit nominations
- Joint account changes — Adding or removing account holders
- Lost passbook/cheque declaration — For reissue
- Signature mismatch — Declaration of correct signature
- Account closure — When physical presence isn't possible
- Dormant account reactivation — For re-activation purposes
- Deceased account claims — By legal heirs
- Unclaimed deposit claims — For recovery
Documents Required for Bank Affidavit
Keep the following documents ready before you begin:
- Aadhaar card
- PAN card
- Bank account details (account number, IFSC)
- Passbook / statement copy
- Address proof
- Passport-size photographs (2 copies)
- Two witnesses with valid ID proof
- Non-judicial stamp paper (₹10 / ₹20 / ₹50 / ₹100)
- Loan documents (for loan applications)
- Nominee details (for nomination matters)
Bank Affidavit Format — What It Contains
A standard bank affidavit format typically includes the following information:
| Field | Details |
|---|---|
| Deponent Name | Full legal name as per bank records |
| Father's / Husband's Name | Relation and name |
| Address | Complete residential address with PIN |
| Date of Birth | As per Aadhaar / birth certificate |
| Bank Name | Bank branch name and branch code |
| Account Number | Bank account number |
| Purpose | Loan / KYC / Nominee / Lost Document |
| Declaration Statement | Specific declaration for banking purposes |
| Place & Date | Where and when the affidavit is signed |
| Signature | Deponent + two witnesses |
| Notary Verification | Notary stamp, registration number & seal |
How to Make a Bank Affidavit — Step by Step
- Fill the online form on AffidavitFormat.com with your name, father's name, address, bank account details, and the specific declaration needed.
- Choose your language — Hindi, English, or bilingual (Dwibhashi).
- Select the correct stamp paper value for your state — ₹10, ₹20, ₹50, or ₹100 non-judicial stamp paper.
- Click Preview to review the affidavit. Cross-check bank account details carefully.
- Print the affidavit on the selected stamp paper. Use e-stamp paper from the SHCIL portal if needed.
- Sign before a Notary Public along with two witnesses. The notary will verify identity and apply their seal.
- Attach supporting documents — Aadhaar, PAN, passbook copy, loan documents, etc.
- Submit to bank — at your bank branch along with the relevant application form.
Common Types of Bank Affidavits
Different banking situations require different types of affidavits:
| Type | Purpose |
|---|---|
| Loan Affidavit | For loan application supporting documents |
| KYC Affidavit | For KYC address or name mismatch |
| Address Proof Affidavit | When traditional address proof unavailable |
| Nominee Affidavit | For account/deposit nomination |
| Lost Passbook Affidavit | For reissue of passbook |
| Lost Cheque Affidavit | For reissue of cheque book |
| Signature Declaration | For signature mismatch resolution |
| Legal Heir Affidavit | For deceased account claims |
| Joint Account Affidavit | For adding/removing joint holder |
| Account Closure Affidavit | When unable to visit branch |
Tip: Each bank may have its own affidavit template for specific purposes. Confirm with your bank first — they may provide a standard format, or accept this general format with modifications.
Important Points to Remember
- The information must be accurate — bank affidavit is a sworn statement.
- Use the exact name as it appears in bank records.
- Mention the correct bank account number and branch details.
- Use the correct stamp paper value — some banks specify the required value.
- Attach supporting documents — Aadhaar, PAN, passbook copy — as required.
- Sign only in front of the Notary with two witnesses present.
- Keep multiple notarized copies for future use.
- Never provide false information — it can lead to account closure and legal action.
Legal Tip: Some banks now accept a self-declaration form instead of a notarized affidavit. Ask your bank first — a self-declaration is simpler and free. Only use a notarized affidavit if specifically required.
Frequently Asked Questions (FAQ)
A bank affidavit is a sworn legal declaration submitted to a bank for various purposes such as loan application, KYC update, account opening, nominee declaration, address verification, and other banking transactions where a sworn statement is required.
A bank affidavit is required for loan applications, KYC updates, name mismatch resolution, address proof, nominee declarations, joint account changes, lost passbook or cheque declarations, and various other banking matters.
Yes. A bank affidavit is legally valid in India when it is printed on non-judicial stamp paper, signed by the deponent, witnessed by two witnesses, and notarized by a licensed Notary Public.
You need Aadhaar card, PAN card, bank account details, passbook/statement copy, address proof, passport-size photographs, two witnesses with valid ID proof, and non-judicial stamp paper.
A bank affidavit is a sworn statement notarized before a Notary Public, carrying higher legal weight. A bank declaration is a simpler self-declaration form provided by the bank. Some banks require an affidavit for specific matters, while others accept a declaration.
The affidavit format is free on AffidavitFormat.com. You only pay for the non-judicial stamp paper (₹10 to ₹100) and notary charges (usually ₹50 to ₹200).
Many banks accept a notarized bank affidavit for KYC purposes, especially for address proof or name mismatch resolution, along with a valid photo ID. Each bank may have specific requirements, so confirm with your bank.
Yes. Bank affidavits are commonly required for education loans, home loans, personal loans, and business loans as part of the documentation process, especially when there are discrepancies in income proof, address, or other documents.
A bank affidavit format includes the deponent's details (name, father's name, address, DOB, bank account number), the specific declaration for banking purposes, place, date, signature, witness signatures, and notary verification.
Yes. AffidavitFormat.com provides the bank affidavit in Hindi, English, and bilingual (Dwibhashi) formats, which you can print directly from your browser.
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