(1) An Account may be opened either as a Single Account or as a Joint Account.
(2) On the basis of mode of operation, Joint Accounts shall be of two types, namely:-
(i) Joint ‘A’ type, to be operated by all the depositors or the surviving depositors jointly; and
(ii) Joint ‘B’ type, to be operated by any of the depositors or the surviving depositors severally.
(3) An account opened as a Single Account cannot be subsequently converted into a Joint Account or vice versa.
(4) A depositor in a single account under a Savings Scheme desirous of opening a joint account under the same Savings Scheme may do so subject to the overall ceiling on the amount of deposit or the number of accounts, applicable to that Savings Scheme.
(5) A depositor in a Joint Account under a Savings Scheme, desirous of opening a Single Account under the same Savings Scheme, may do so subject to the overall ceiling on the amount of deposit, and the number of accounts, applicable to the Savings Scheme.
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