The checklist
- PAN card in your name
- Aadhaar card linked to your current mobile number
- A bank account or UPI to pay for the FD
- A selfie or video KYC, if the bank asks for it
Common problems and fixes
| Problem | Fix |
|---|---|
| Name spelled differently on PAN and Aadhaar | Correct one of them before applying |
| Aadhaar not linked to your mobile | Update it at an Aadhaar centre |
| No PAN yet | Apply for PAN online; it usually takes a few days |
| Poor light in video KYC | Do it in a bright room with a plain background |
What you don't need
- Salary slips or ITR
- Parents' documents
- A CIBIL score
Next step
Read how the student FD card works, then use the form below.
Frequently asked questions
Do I need a salary slip or ITR?
No. A card against an FD doesn't need income documents.
Can I use my parents' PAN?
No. The card is in your name, so you need your own PAN and Aadhaar.
My Aadhaar isn't linked to my mobile. What do I do?
Link it at an Aadhaar centre first, because KYC uses an OTP sent to that number.
Keep reading
Eligibility & DocumentsCheck if you qualify in 30 secondsCredit Card at 18 in India: What You NeedAge, documents and the easiest first card at 18.How to Build a CIBIL Score as a Student (Step by Step)Six steps to go from no score to a strong one while you study.CIBIL Score -1 or NH: What It Means for StudentsWhy most students see -1 or NH, and how to change it.