The RBI old-name rule • One letter per branch • Same account number

Name Change in Bank Records in Jharkhand

Banks are the third record on the list and the one most people do worst, because they update one branch and forget that the account number carries a cheque book, a debit card, a CKYC record, a credit bureau file, a DBT mapping, a locker, a loan and a nomination. This page is the bank step for a Jharkhand resident: the rule of law that makes an old-name ID valid KYC when produced with a marriage certificate or a Gazette, the branch letter and the document set, everything that changes and everything that does not, the Gramin Bank and the big branch networks in the state, the loans, lockers and nominations people miss, and the escalation when a branch refuses what the Reserve Bank has told it to accept.

📞 Call 9540005002 WhatsApp 9540005064 The RBI rule

2015PML Rules amendment: old-name OVD plus certificate or Gazette

Rs 0Bank fee for a KYC name update, at most banks

SameAccount number, IFSC and history

1 weekEvery branch, so the credit bureau sees one name

Reviewed by the Jharkhandnamechange.com documentation desk • Updated 15 September 2026

Quick answer

A name change in bank records in Jharkhand is a KYC update at the home branch: a signed request letter to the branch manager, the bank's KYC or customer-information form, self-attested copies of the updated Aadhaar and PAN, and the proof for your reason, the registered marriage certificate for a surname after marriage, the decree for a maiden name, or the Gazette of India for any other change, with the originals shown at the counter. Since the Prevention of Money Laundering Rules were amended in 2015, on the Reserve Bank's advice, a bank may accept an officially valid document in your old name together with the marriage certificate or the Gazette, so an Aadhaar or passport not yet updated is not a reason to refuse. There is normally no fee. The account number, IFSC and history stay the same; the passbook, cheque book, debit card, net banking profile, CKYC record and credit bureau file are updated or reissued, and every account, loan, locker, deposit and nomination is done in the same week so no record disagrees with another.

The pages ranking for name change in bank records in Jharkhand are letter templates, and two of them add a line that is wrong in law: that "most scheduled banks now insist on a Gazette" for anything that is not marriage, and that a bank "requires" an affidavit and a newspaper. The Reserve Bank's own circular says the opposite of the first, and the second is a Gazette-file requirement, not a bank one. None of them mentions the CKYC record that every bank reads before it reads your passbook, the credit bureau file that reports whichever name the first bank sends, or the DBT mapping that pays a Jharkhand pension or scholarship into the account.

This page keeps the bank in its place, third after Aadhaar and PAN, and covers the branch and everything attached to it. Aadhaar is on the Aadhaar name change page; PAN, which the bank reads against the account, is on the PAN name change page.

At a glance

Where: The home branch of each account; some banks accept the request at any branch
The set: Request letter; KYC form; updated Aadhaar and PAN; the reason's proof; photographs; originals shown
Proof by reason: Marriage certificate; decree; or the Gazette of India for any other change
The rule: PML Rules 2005, Rule 2(1)(d) explanation, inserted 2015: an old-name OVD is valid with a State marriage certificate or a Gazette notification
Fee: Nil at most banks; a small charge for a reissued cheque book or card at some
Time: Same day to a week for the core record; the card and cheque book by post
Unchanged: Account number, IFSC, customer ID, history, standing instructions
Changed or reissued: Passbook, cheque book, debit card, net banking profile, CKYC, credit bureau, DBT and UPI display names
Do together: Every account, loan, deposit, locker, demat and nomination, in the same week
Refused: Cite the circular in writing; the bank's nodal officer; then the RBI Integrated Ombudsman

Key takeaways

The bank reads your PAN and CKYC before your letter. Correct Aadhaar and PAN first, and the branch update takes minutes; do it the other way and it stalls.
An old-name Aadhaar or passport is valid KYC with the marriage certificate or the Gazette. That is a right under the PML Rules, not a favour from the branch.
Marriage needs the certificate; divorce the decree; any other change the Gazette of India. A bank does not need an affidavit or a newspaper.
The account number never changes. The things attached to it, cheques, card, CKYC, credit bureau, DBT, nominations, are what the update is really about.
Do every bank in the same week. The credit bureau reports the first name it receives, and a loan in the old name against a card in the new one is a bureau mismatch for years.
A branch that refuses the circular is escalated in writing, not argued with at the counter.

The rule of law

The RBI Rule for a Bank Name Change: An Old-Name ID Stays Valid KYC

Name change in bank records in Jharkhand: the branch KYC update with updated Aadhaar and PAN, the Gazette or marriage certificate, and the RBI rule that keeps an old-name ID valid — The passbook, the KYC form, and the two papers the Reserve Bank told the branch to accept.

In 2015 the Government, in consultation with the Reserve Bank, amended the Prevention of Money Laundering (Maintenance of Records) Rules, 2005 by G.S.R. 730(E) of 22 September 2015, and the Reserve Bank circulated it to every bank. The amendment inserted an explanation into the definition of an officially valid document: where a person has changed name on marriage or otherwise, a document in the old name is acceptable when produced with a copy of the marriage certificate issued by the State Government or a Gazette notification showing the change. The RBI's KYC Master Direction carries the same provision. The rule exists because the Reserve Bank was receiving complaints from people, mostly married women, whose branches refused an Aadhaar or passport that still showed the maiden name.

What it means at the counter

You do not have to finish updating every ID before the bank will act. The updated Aadhaar and PAN are the smooth route; the old-name Aadhaar with the certificate or Gazette is the lawful one, and the branch may not refuse it.

What it does not mean

It does not make an affidavit or a newspaper cutting a KYC document; neither is. It does not oblige a bank to accept a Gazette for a marriage change where it can accept the certificate; it allows either.

Say it in writing

A branch that refuses is asked to note the refusal on your letter and to cite the rule it relies on. Most refusals end there, because there is none.

Carry this

The Branch Letter and the Document Set for a Bank Name Change in Jharkhand

Documents for a bank account name change in Jharkhand by reason
Reason	Proof	Plus, every case
Surname after marriage	Registered marriage certificate	Signed request letter to the branch manager; the bank's KYC or customer information form; self-attested copies of Aadhaar and PAN, updated or old-name with the proof; two photographs; the passbook or account details; originals shown at the counter
Maiden name after divorce	Certified decree
Any other change	The Gazette of India notification, printed from egazette.gov.in
Spelling correction to match PAN	Updated PAN and Aadhaar; the bank corrects to the PAN name
Wrongly written name corrected by public notice	The public notice PDF

The letter, in plain words

To the Branch Manager, [bank], [branch]. Subject: change of name in account number [number]. I hold the above account in the name [old name]. My name has changed to [new name] on [reason: marriage on date / Gazette of India notification number and date]. I request that the account, the CKYC record and all linked facilities be updated to [new name]. Enclosed: [list]. Old signature, new signature if changed, date, mobile. The affidavit page has formats for the Gazette file; the bank letter needs no affidavit.

Signature

A woman who signed in her maiden name and now signs in the married one gives both specimens on the bank's signature-change form at the same visit. Cheques already issued in the old signature stay valid; the bank notes the change from the date.

When the Gazette is needed

Central Gazette Name Change Process From Jharkhand, Step by Step, Before the Bank KYC Update

For a chosen new name, a bank wants the Gazette of India as the instrument, and the Gazette of India notification. There is no Gazette office in Jharkhand and no State Gazette route; the file goes to the Department of Publication in Delhi in your own name. Here is the whole Central Gazette process, in the order it happens.

Route check and wording, day 0

Confirm that you actually need a gazette: a marriage surname, a divorce or a spelling correction do not. Then fix the exact new name, spacing and initials included, against your Class 10 certificate, and confirm it in writing. Every later paper copies this wording.

Affidavit, day 1 to 2

Sworn on non-judicial stamp paper before a notary at your district court, in the OLD name as on your current Aadhaar: old name, new name, father's or husband's name, address with pin code, reason, verification clause, notary seal and register number. Stamp paper and notary commonly Rs 100 to Rs 500. Format on the affidavit page.

Two newspaper notices, day 3 to 7

One Hindi daily and one English daily in editions that circulate in Jharkhand, identical twenty-word wording quoting the affidavit number and date. Keep the complete original page of each paper, masthead and date visible, two copies. Rs 800 to Rs 4,000 at actual cost. Detail on the newspaper page.

Proforma, CD and request letter, day 7 to 8

The Department's proforma typed in two copies, headed "No. ADVT IV /", signed in the old name, two witnesses with full addresses and pin codes, two photographs, self-attested IDs of you and both witnesses; a CD with the notice in Word without the witness portion plus a signed certificate that soft and hard copy match; a request letter to the Controller of Publications. Full list on the documents page.

Fee on BharatKosh, day 8

Only on bharatkosh.gov.in, in your own name, selecting the Department of Publication and the Gazette notification purpose: commonly Rs 1,100 for an adult, Rs 1,700 for a minor, revised each financial year, non-refundable. Print the receipt for the file. No demand draft, no cash, no counter anywhere in Jharkhand.

Delivered in Delhi in your name, day 8 to 10

The five papers, affidavit and pages in original, to the Department of Publication, Civil Lines, behind Delhi Vidhan Sabha Metro Station, Delhi 110054, in person or by tracked post in the applicant's name. Our Delhi office delivers Jharkhand files in your name. Nothing is returned, so keep a scanned set.

Published and downloaded, day 40 to 55

Part IV is released weekly; publication commonly takes 30 to 45 days. Search your old or new name on egazette.gov.in, download the free PDF, and note the Gazette number, date and page. No attestation is needed for use in India. A wrong print is corrected by corrigendum within six months.

Then the bank update

Carry the printed Gazette PDF with the affidavit and both newspaper pages to Aadhaar and PAN first, then to every branch in the same week, as the sections below explain. The address in the Gazette should match your Aadhaar address. The gazette pillar, with the July 2025 story of the Jharkhand Gazette, is the gazette name change page.

Two proformas, two fees. A chosen new name is a change of name, "hitherto known as", commonly Rs 1,100. A name wrongly written on a certificate is a PUBLIC NOTICE quoting the misprint exactly, commonly Rs 1,350, on the public notice page. Sending one for the other's case returns the file and the fee is not refunded.

At the branch

The Bank Name Change at the Branch, Step by Step

Aadhaar and PAN first

The core banking system checks the PAN name and pulls the CKYC record. With both in the new name, the branch update is a formality; without them, it is a discussion.

List every relationship

Savings, salary, joint accounts, the Jan Dhan account, fixed and recurring deposits, the locker, the home or vehicle loan, the credit card, demat and mutual fund folios, and the nominee on each. One letter per bank can cover them all; list them.

The visit

The letter, the KYC form, the proof, Aadhaar and PAN copies, photographs, originals. The branch verifies, updates the customer ID, and gives an acknowledgement. Ask for the CKYC update and the bureau update by name.

The reissues and the checks

New cheque book and debit card by post; net banking and UPI display names within days; the passbook reprinted. Check the CKYC record and a credit report a month later, and the DBT mapping if a Government benefit is paid to the account.

The full record order is on the name change process page; the banks sit at step three, after Aadhaar and PAN and before the passport.

The real job

What the Account Number Carries: Everything a Bank Name Change Has to Reach

Records and facilities attached to a bank account and what happens to each on a name change
Attached to the account	What happens	Note
Account number, IFSC, customer ID	Unchanged	History, standing instructions and auto-debits continue
CKYC record	Updated by the bank with the central registry	Every other bank and insurer reads it; ask for the update by name and check the KYC identifier later
Credit bureau file	Reports the name each lender sends	All lenders in the same week, or the bureau carries two names for years
Cheque book and debit card	Reissued in the new name	Old cheques already issued stay valid; the old card is destroyed on receipt of the new
Net banking, mobile banking, UPI	Display name updates	UPI apps refresh from the bank; log out and in
DBT and Aadhaar seeding	The NPCI mapper follows Aadhaar, not the bank name	Pensions, scholarships and Jharkhand's welfare payments keep flowing if Aadhaar is seeded; re-seed if the account was re-linked
Fixed and recurring deposits	Updated under the same customer ID	Receipts reprinted on request
Loans and credit cards	Updated with the lender's KYC	The hypothecation on an RC and the mortgage record follow
Locker	Agreement endorsed	Nominee re-confirmed
Nominations	Not updated automatically	Re-file the nomination on each account and deposit; a nominee's own name change is a separate form
Demat and mutual funds	Through the depository participant and the registrars, on the KYC registration agency	On the PAN page's what-follows table

In the state

Banks in Jharkhand: The Gramin Bank, the Lead Bank and the Big Networks

Jharkhand Gramin Bank

The state's regional rural bank, sponsored by the State Bank of India, with its head office in Ranchi and about 450 branches across all 24 districts through regional offices at Ranchi, Singhbhum, Gumla, Palamu, Hazaribagh, Giridih, Deoghar and Godda. It was Jharkhand Rajya Gramin Bank until 2025. Most rural Jan Dhan, pension and scholarship accounts in the state sit here; the KYC update is at the branch on the same document set, and the sponsor bank's KYC forms apply.

The lead bank and the public sector networks

Bank of India convenes the State Level Bankers' Committee for Jharkhand; the State Bank of India, Bank of India, Punjab National Bank, Canara Bank and Union Bank carry the widest branch networks. Each takes the request at the home branch and, for SBI, at any branch for a KYC update; ask.

Private banks and payments banks

HDFC, ICICI, Axis and the others update at any branch on the same set; India Post Payments Bank at the post office; the salary accounts of CCL, BCCL, SAIL and Tata Steel staff follow the employer's payroll bank, which reads the employer's own name record too.

The Jan Dhan account. A PMJDY account opened on Aadhaar e-KYC alone updates when Aadhaar does; take the updated Aadhaar to the branch or the business correspondent and the record follows. Where a welfare payment stopped after a name change, the cause is almost always an Aadhaar seeding that lapsed, not the bank name; re-seed on the NPCI mapper through the branch.

Cost and time

Bank Name Change Fees and Timelines in Jharkhand

Bank name change fees and timelines in Jharkhand and the Government fees for the proof before it
Item	Amount or time	Note
KYC name update	Rs 0 at most banks	A schedule charge for a reissued cheque book or card at some, per the bank's tariff.
Core record	Same day to about a week	Faster with updated Aadhaar and PAN.
Card and cheque book	About 7 to 15 days by post	Old cheques stay valid.
CKYC and credit bureau reflection	About 30 to 45 days	Check a credit report after that.
The proof before it: marriage certificate or decree	Registrar's or court's copying fee	No gazette.
The proof before it: Gazette of India	Commonly Rs 1,100 adult, Rs 1,700 minor, on BharatKosh	Revised each financial year, non-refundable. Full bill on the cost page.
Our charge	Usually nothing for the bank step; the route check is free	Quoted per case where the Gazette is needed.

If the branch says no

Bank Not Accepting the Gazette or Certificate: The Escalation

A refusal is almost always one of three things: the branch wants the Aadhaar updated first, which the 2015 amendment says it need not; the branch wants a Gazette for a marriage change, which the certificate covers; or the branch wants an affidavit and a newspaper, which are not KYC documents. Each is answered in writing, and the writing is what moves it.

At the branch

Ask the manager to endorse the refusal and its ground on your letter, and hand over a copy of the RBI circular of November 2015 on the PML Third Amendment Rules with the explanation to Rule 2(1)(d) marked. Ask for the bank's KYC policy clause being relied on.

The bank's own ladder

A written complaint to the bank's customer service or nodal officer through its portal or email, quoting the letter, the refusal and the rule, with a 30-day window. Public sector banks have a principal nodal officer in each circle; Ranchi has one for each.

The Ombudsman

If the bank does not resolve it within 30 days, or you are not satisfied, a complaint to the Reserve Bank under the Integrated Ombudsman Scheme, 2021 through cms.rbi.org.in, free, with the correspondence attached. Deficiency in service on a KYC update is within its scope.

Then

What Follows the Bank in the Jharkhand Order

Records after the bank in the update order and what each takes from it
Order	Record	Takes
4	Passport	Aadhaar and PAN in the new name as the two documents; the bank passbook is not one of them but a bank statement in the new name serves as address proof
5	Voter ID, driving licence, RC	Updated Aadhaar
6	EPFO and UAN, NPS, insurance	The bank account in the new name for withdrawals and claims; nominations separately
7	Employer payroll	The salary account name matching the employee name, or the credit bounces
8	Property, GST, ration and welfare	The DBT account in the new name where the department re-verifies it

Avoid this

Bank Name Change Mistakes That Create a Credit Bureau Mismatch

Order and coverage

Going to the bank before PAN, so the system flags a PAN name mismatch and the update stalls.
Updating one bank and leaving the loan at another in the old name; the bureau carries both.
Forgetting the Gramin Bank or post office account that receives the pension or scholarship.
Leaving nominations untouched; they do not update by themselves.

Documents and follow-through

Accepting "update Aadhaar first" when the rule says the old-name Aadhaar is valid with the certificate or Gazette.
Carrying an affidavit and a newspaper to the branch and being told they are not KYC documents.
Not asking for the CKYC update, so the next bank or insurer still sees the old name.
Never checking a credit report after the change.

Plain English

Bank Name Change Terms Explained for Jharkhand

Officially valid document: A KYC identity document under the PML Rules: passport, driving licence, Aadhaar, voter ID, NREGA job card, NPR letter. An OVD in an old name is valid with a marriage certificate or a Gazette since the 2015 amendment.
PML Rules 2015 amendment: G.S.R. 730(E) of 22 September 2015, the Prevention of Money Laundering (Maintenance of Records) Third Amendment Rules, which inserted the old-name explanation, circulated by the RBI to all banks.
KYC Master Direction: The Reserve Bank's consolidated KYC rules for banks and other regulated entities, updated from time to time, carrying the same provision.
CKYC: The Central KYC Records Registry run by CERSAI, where every bank and insurer files and reads a customer's KYC record under a KYC identifier. A name change is updated there by the bank on request.
Customer ID: The bank's own identifier for you across accounts, unchanged on a name change; the reason one letter can cover every account at a bank.
Credit bureau file: The record at CIBIL, Experian, Equifax and CRIF built from what each lender reports; it carries whichever name each lender sends, so all lenders are updated together.
DBT and the NPCI mapper: Direct benefit transfers are paid to the account most recently seeded with your Aadhaar in the NPCI mapper; they follow Aadhaar, not the bank's name field.
Jharkhand Gramin Bank: The state's regional rural bank, SBI-sponsored, head office Ranchi, about 450 branches in all 24 districts; Jharkhand Rajya Gramin Bank until 2025.
Lead bank: Bank of India, convenor of the State Level Bankers' Committee for Jharkhand.
Nodal officer: The officer each bank designates for complaints, the second rung before the Ombudsman.
RBI Integrated Ombudsman Scheme, 2021: The single free complaint scheme for banks, NBFCs and payment systems, filed at cms.rbi.org.in after the bank has had 30 days.
Nomination: The person named to receive an account or deposit on death; filed separately on each and never updated by a name change automatically.

Coverage

Bank Name Change Help in All 24 Districts of Jharkhand

RanchiJamshedpur (East Singhbhum)DhanbadBokaroHazaribaghDeogharGiridihRamgarhDumkaPalamu (Medininagar)ChatraKodermaGoddaSahibganjPakurJamtaraLateharLohardagaGumlaSimdegaKhuntiSaraikela-KharsawanWest Singhbhum (Chaibasa)Garhwa

Send your passbook's first page and your Aadhaar

The first reply says whether PAN and Aadhaar are ready for the branch, which proof your reason needs, and the list of relationships to cover in the same week. The bank step is free at most banks and we say so. Details on the contact page.

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FAQ

Name Change in Bank Records in Jharkhand: Frequently Asked Questions

How do I change my name in my bank account in Jharkhand?+

Take a signed request letter to the branch manager, the bank's KYC form, self-attested copies of Aadhaar and PAN, the proof for your reason, the marriage certificate, the decree or the Gazette of India, and two photographs to the home branch, with originals. The branch updates the customer ID, CKYC and linked facilities and reissues the cheque book and card. There is normally no fee and the account number does not change.

Do I need a gazette to change my name in the bank?+

Not for a surname after marriage, where the registered marriage certificate is the proof, nor for a maiden name after divorce, where the decree is. For any other change, a full name, a first name, a surname added or dropped, the Gazette of India is the instrument banks accept. The line that "banks now insist on a Gazette for anything not marriage" restates this; it does not add a rule for marriage cases.

My Aadhaar still shows my maiden name. Will the bank refuse?+

It may not. Since the Prevention of Money Laundering Rules were amended in 2015 on the Reserve Bank's advice, an officially valid document in the old name is acceptable together with the marriage certificate issued by the State Government or a Gazette notification. Updating Aadhaar first is the smoother route; the old-name Aadhaar with the certificate is the lawful one.

Does the bank need an affidavit and a newspaper advertisement?+

No. Neither is a KYC document. The affidavit and the two newspaper notices are parts of the Gazette of India file, and the bank reads the Gazette that results, or the certificate or decree. A branch asking for them is asking for the wrong papers and can be told so in writing.

Will my account number, IFSC or customer ID change?+

No. The name on the record changes; the account number, IFSC, customer ID, history, standing instructions and auto-debits continue. What is reissued is the passbook, cheque book and debit card, and what is updated is the net banking profile, the CKYC record, the credit bureau file and the display names on UPI.

What is CKYC and why does the bank page mention it?+

The Central KYC Records Registry, where every bank and insurer files and reads your KYC under a KYC identifier. If the bank updates only its own core record and not CKYC, the next bank, the insurer and the mutual fund still see the old name. Ask for the CKYC update by name and check the identifier a month later.

Why do every bank and loan in the same week?+

Because the credit bureaus record whichever name each lender reports. A savings account in the new name and a vehicle loan at another bank in the old one gives the bureau two names for years, and a loan application later is queried or refused on the mismatch. List every relationship and do them together.

My pension or scholarship stopped after the name change. What happened?+

Almost always the Aadhaar seeding on the NPCI mapper lapsed, not the bank name. Direct benefit transfers follow the account most recently seeded with your Aadhaar. Re-seed through the branch or the business correspondent with the updated Aadhaar, and the payment resumes from the next cycle; the department may also need the new name on its own record.

How do I change my name at Jharkhand Gramin Bank?+

At the branch, on the same document set, with the sponsor bank's KYC forms; the head office is in Ranchi and the regional offices at Ranchi, Singhbhum, Gumla, Palamu, Hazaribagh, Giridih, Deoghar and Godda handle escalations. A Jan Dhan account opened on Aadhaar e-KYC updates once the updated Aadhaar is shown.

Do nominations update automatically?+

No. A nomination is a separate record on each account, deposit and locker, and a name change does not touch it. Re-confirm each nomination at the same visit; a nominee's own name change is a fresh nomination form with the nominee's proof.

What do I do if the branch refuses?+

Ask the manager to endorse the refusal and its ground on your letter, hand over the RBI circular on the 2015 PML amendment, and ask for the bank's policy clause. Then a written complaint to the bank's nodal officer with 30 days, and if unresolved, a free complaint to the Reserve Bank under the Integrated Ombudsman Scheme through cms.rbi.org.in.

Can I do the bank name change online?+

Most banks want the originals seen once at a branch for a name change, though some accept the request through a video KYC or a service request with uploads. The reissued card and cheque book come by post either way. The name change online page lists which steps of the whole journey are online.

Does a bank statement count as one of the passport's two documents in the new name?+

No. Passport Seva's two documents are public, educational or Government records, which Aadhaar and PAN satisfy; a bank statement in the new name serves as proof of address. Update the bank after Aadhaar and PAN and before the passport appointment.

Does the Jharkhand Gazette work for a bank name change?+

Not today. The Jharkhand Gazette carries Government notifications and, as reported, stopped printing personal name changes in July 2025; the practice is under inquiry. The Gazette a bank reads under the PML Rules is the Gazette of India, Part IV, from Delhi.

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Who wrote and checked this page

Written and maintained by the Jharkhandnamechange.com documentation desk, led by founder Vipin Chauhan, B.Tech LL.B, who has taken clients from the Gazette through the branch and the bureau for over five years. The rule cited is the Reserve Bank's circular on the Prevention of Money Laundering (Maintenance of Records) Third Amendment Rules, 2015 and the KYC Master Direction; bank tariffs and forms are each bank's own and change. Who we are is on the about page.

Last reviewed 15 September 2026 • 9540005002 • info@jharkhandnamechange.com • Jharkhandnamechange.com is a private documentation consultancy and is not a Government body, a bank or the Reserve Bank. This page is general information, not legal or financial advice.

Verify it yourself

Official Sources for Name Change in Bank Records in Jharkhand

Reserve Bank of IndiaThe November 2015 circular on KYC, change in name on account of marriage or otherwise, and the KYC Master Direction.
RBI Complaint Management SystemThe Integrated Ombudsman Scheme, 2021, for a bank that refuses.
Central KYC Records Registry, CERSAIThe CKYC record every bank and insurer reads.
Jharkhand Gramin BankThe state's regional rural bank, head office Ranchi.
Unique Identification Authority of IndiaThe Aadhaar the bank reads and the DBT seeding follows.
Income Tax DepartmentThe PAN the core banking system checks the account name against.
The Gazette of India, e-Gazette portalWhere the Gazette PDF shown at the branch is downloaded free.

Quick Summary

Name Change in Bank Records in Jharkhand in Eight Lines

The short version

Aadhaar and PAN first; the bank reads both before your letter.
Letter, KYC form, Aadhaar and PAN copies, the certificate, decree or Gazette, photographs, originals; no fee at most banks.
An old-name Aadhaar or passport is valid with the certificate or Gazette under the 2015 PML Rules amendment; say so in writing if refused.
No affidavit, no newspaper; they are not KYC documents.
The account number never changes; cheques, card, CKYC, bureau, DBT and nominations are the real job.
Every bank, loan, deposit, locker and nomination in the same week.
The Gramin Bank and Jan Dhan accounts follow the updated Aadhaar; re-seed DBT if a payment stops.
Refused: nodal officer in writing, then the RBI Ombudsman, free.

One letter per bank, every bank in one week, and the bureau sees one name

Send your passbook's first page and Aadhaar on WhatsApp and get the list of relationships to cover.

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