In this section, you’ll find answers to these questions:

  1. ID
    I don’t have an ID card, how can I get it?
    What documents do I need to provide?
    Can I get it without my family knowing? If not, what excuses can I make for why I want it?
  2. BANK ACCOUNT
    Current account vs. savings account
    How do I get one?
    How much will it cost? How long will it take to open?
    What do I need for it?
    Can I get it without my family knowing? If not, what excuses can I use for why I want it?

 


 

ID | I DON’T HAVE AN ID CARD

I don’t have an ID card, how can I get it?
In order to apply for an identity card (Aadhar Card), you need to visit an Aadhar Enrolment centre set up the Unique Identification Authority of India (UIDAI). It is FREE to get an Aadhar card. Anyone can get an Aadhar card regardless of age, gender, creed, caste, religion. It might take anywhere between 60-90 days for the Aadhar Card to be mailed to your address. You can apply for an appointment time on the website and learn about the process.

Click here to find out what documents you need.

 

What documents do I need to provide?
It is mandatory to provide one of the 18 acceptable Proofs of Identity and one of the 33 acceptable Proofs of Address to assist processing of your UIDAI application. Here is the list of all valid national documents.

 

Can I get it without my family knowing? If not, what excuses can I make for why I want it?
If you have access to the required documents, you can apply at any Aadhar Enrolment Centre. In case you don’t have your documents, you can contact a Gazetted Officer/Tehsildar to obtain Certificate of Identity. Proof of Address can also be obtained through a similar procedure i.e. by contacting MP/MLA/Gazetted Officer or Tehsildar.

If you need to make an excuse for getting the card, you can perhaps use one of the following:

  • You may need it as ID proof to vote.
  • You can say it has become mandatory to have one.
  • Your child’s school may need ID for you to pick them up, as added security.
  • It’s important to have one on you in case of an emergency, eg. an accident.

 

 

BANK ACCOUNT | I DON’T HAVE A BANK ACCOUNT

Current account vs. savings account

Savings account is an interest-bearing account with certain limitations. Since their main purpose is to save money, they usually come with conditions about how much money you can withdraw per month.

Current account is a “general-use” account on which you can write checks, use ATM/Debit cards and have unlimited transactions. Checking accounts can have interest as well, but they usually don’t, and if they do – it’s much lower than the savings account interest.

 

How do I get one?
You will need to select a bank, and then visit the branch where you intend to open your account. You will be able to acquire an application form which the bank employees can help you fill. Some banks have online application forms on their website. The banks also issue a specimen signature card to record your signature that will be used for future withdrawals.

 

How much will it cost? How long will it take to open?
Banks have a minimum prescribed amount that needs to be deposited before they open your account. Usually this amount is between Rs. 1000 to Rs. 1500. You bank account will take a maximum of 2 weeks to open, at which point you can collect your cheque book.

 

What do I need for it?
The banks would ask for KYC (Know Your Customer) documents as specified by the AOF (Academy of Finance). These would include Proof of Identity for which the acceptable documents are passport, voter ID, PAN card, Driving License, or Government/Defence ID card etc. and Proof of Address for which the acceptable documents are passport, salary slip, credit card statement, electricity and landline bills – not older than 6 months, ration card etc.

 

Can I get it without my family knowing? If not, what excuses can I make for why I want it?
If you have access to the required documents, most of which are easy to acquire, you can manage to open a bank account without your family’s involvement.

 

I don’t have a passport, how do I get one?
Passport application can be done online by registering here. You can fill in the application and should book an appointment to visit the nearest Regional Passport Office to present the documents in support of your application. The officials would screen your application by interviewing you and then decide whether to process or reject your application.

 

How much will it cost? How long will it take?
A standard 36 page passport cost Rs. 1500 and will take 15-20 working days to be delivered. If applied under Tatkaal scheme, the passport would be delivered in 1 or 3 working days depending on the need for Police verification and would cost Rs. 3500. For prices of other passport issues, please visit the passport fee calculator

 

What do I need for it?
You would have to present a Proof of Identity and a Proof of Address for processing your application. Check what documents you need to provide at the Regional Passport Office for your appointment here.

 

Can I get it without my family knowing? If not, what excuses can I use for why I want it?
You can most definitely get it without your family knowing, if you have access to the required documents.

In many cases, if you do not have a driver’s licence or Aadhar card, your passport is needed as proof of your identity as well as your address so it is a very useful document to have. Perhaps, you can say that you have trusted siblings/relatives abroad that you’d like to visit or you are planning a religious pilgrimage (Hajj, for example).