Minor Account Kaise Khole? (Complete Guide 2026)

Aaj ke samay me banking har vyakti ki zarurat ban chuki hai. Sirf bade hi nahi balki bachchon ke liye bhi bank account kholna bahut faydemand hota hai. Isi ko Minor Account kaha jata hai. Agar aap apne bachche ke naam se paise jama karna chahte hain, scholarship lena chahte hain ya future savings karna chahte hain, to minor account sabse accha option hai.


Is article me hum detail me jaanenge ki Minor Account Kaise Khole, iske liye kya documents chahiye, kaun-kaun se bank me yeh suvidha milti hai, aur iska kya fayda hota hai.



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Minor Account Kya Hota Hai?


Minor account ek aisa bank account hota hai jo 18 saal se kam umar ke bachche ke naam par khola jata hai. Kyunki bachcha legal age me nahi hota, isliye account ko uske mata-pita ya guardian ke through operate kiya jata hai.


Kuch banks me 10 saal se upar ke bachche ko limited transaction ki permission bhi mil jati hai.


Simple shabdon me:


> 18 saal se kam bachche ke naam se jo saving account khola jata hai use Minor Account kehte hain.





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Minor Account Kholne Ke Fayde


Minor account kholne se bahut saare benefits milte hain:


1. Bachchon me Saving Habit Banti Hai


Jab bachche ke naam se account hota hai to parents usme regular paisa jama karte hain. Isse future ke liye saving hoti hai.


2. Scholarship ya Government Paisa Direct Aata Hai


School scholarship, government yojana ka paisa direct bank me aa sakta hai.


3. Safe Money Management


Cash ghar me rakhne ke bajay bank me safe rehta hai.


4. Future Financial Planning


Higher education, insurance, ya emergency ke liye fund ready hota hai.


5. ATM / Passbook ki Suvidha


Kai banks minor account ke sath ATM card aur passbook bhi dete hain.



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Minor Account Kaun Khulwa Sakta Hai?


Minor account kholne ke liye:


Bachche ki age 18 saal se kam honi chahiye


Mata, pita ya legal guardian hona chahiye


Guardian ke documents valid hone chahiye



Yani bachcha khud akela account nahi khol sakta, guardian ki zarurat hoti hai.



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Minor Account Kholne Ke Liye Zaruri Documents


Minor account open karte samay bank kuch important documents mangta hai.


Bachche ke Documents


Birth Certificate


Aadhaar Card (agar bana ho)


School ID Card (kuch banks me)


Passport size photo



Guardian ke Documents


Aadhaar Card


PAN Card


Address Proof


Passport Size Photo


Mobile Number



Additional Documents


Relationship proof (jaise birth certificate me parents ka naam)


Initial deposit amount (500 se 1000 rupaye bank ke hisab se)




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Minor Account Kaise Khole? Step By Step Process


Ab sabse important sawal — Minor Account Kaise Khole?


Niche poora process diya gaya hai:



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Step 1: Kisi Bank ka Chunav Kare


Sabse pehle aapko ek accha bank choose karna hoga jahan minor saving account ki suvidha ho.


Popular banks:


State Bank of India


Punjab National Bank


Bank of Baroda


Canara Bank


HDFC Bank


ICICI Bank



Har bank me alag-alag minor account scheme hoti hai.



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Step 2: Bank Branch Me Visit Kare


Guardian ko bachche ke sath bank branch jana hota hai.


Wahan bank se Minor Account Opening Form lena hota hai.



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Step 3: Form Fill Kare


Form me ye details bharni hoti hain:


Minor ka naam


Date of Birth


Guardian ka naam


Address


Mobile number


Nominee details



Dhyan rahe sab details sahi bharni hai.



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Step 4: Documents Attach Kare


Form ke sath:


Bachche ka birth certificate


Aadhaar


Guardian ka Aadhaar PAN


Photos



attach karne hote hain.



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Step 5: Initial Deposit Jama Kare


Bank ke rule ke hisab se minimum amount jama karna hota hai.


Kuch banks:


₹0 balance


₹500


₹1000



me bhi account open kar dete hain.



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Step 6: Verification Process


Bank employee documents verify karta hai aur signature leta hai.


Guardian ko sign karna hota hai.



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Step 7: Account Activate Ho Jata Hai


Verification complete hone ke baad:


Passbook mil jati hai


Account number mil jata hai


Kabhi-kabhi ATM card bhi milta hai



Is tarah minor account successfully khul jata hai.



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Online Minor Account Kaise Khole?


Kuch private banks online apply karne ki suvidha dete hain.


Online process:


1. Bank ki official website par jaye



2. Minor saving account choose kare



3. Online form fill kare



4. Documents upload kare



5. Video KYC / Branch verification kare




Lekin final verification ke liye kai baar branch jana pad sakta hai.



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Minor Account Me Kya-Kya Facilities Milti Hai?


Minor account me ye suvidhaye mil sakti hain:


Saving account


Passbook


ATM card


Net banking (limited)


Mobile banking


Scholarship receive


Deposit facility




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Minor Account Ke Kuch Rules


Minor account ke kuch important rules hote hain:


Account guardian operate karega


18 saal complete hone par account normal saving account me convert hota hai


Kuch banks withdrawal limit lagate hain


Cheque book limited cases me milti hai




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Kaun Sa Bank Minor Account Ke Liye Best Hai?


Agar aap best bank dekh rahe hain to:


Government Bank


State Bank of India ka Pehla Kadam / Pehli Udaan account popular hai



Private Bank


HDFC Bank Kids Advantage account accha mana jata hai




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Minor Account Kholte Samay Dhyan Dene Wali Baatein


Guardian ka mobile number active ho


Aadhaar linked ho to accha hai


Zero balance account prefer kare


ATM facility ke rules samajh le


Nominee zarur add kare




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Minor Account Kis Kaam Aata Hai?


Minor account in kaamon me bahut useful hai:


Scholarship lene me


Bachche ki fees jama karne me


Birthday saving karne me


Future education fund ke liye


Government scheme ka paisa receive karne ke liye




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Conclusion


Agar aap apne bachche ke future ke liye saving shuru karna chahte hain to Minor Account kholna ek smart decision hai. Isme paisa safe rehta hai aur dheere-dheere bada fund ban jata hai. Minor account kholne ka process bahut simple hai — bas guardian ke documents aur bachche ka birth proof chahiye hota hai.


Umeed hai ab aapko samajh aa gaya hoga ki Minor Account Kaise Khole aur iske kya-kya benefits hain.



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FAQs – Minor Account Kaise Khole


Q1. Minor account kis age tak hota hai?


18 saal se kam umar tak.


Q2. Kya minor account online khol sakte hain?


Haan, kuch banks online apply ki suvidha dete hain.


Q3. Minor account me ATM milta hai?


Kai banks limited ATM card dete hain.


Q4. Minor account me minimum balance kitna hota hai?


Bank ke hisab se ₹0 se ₹1000 tak.




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