An SHG savings account needs KYC of the office bearers, not every member • Loans up to Rs 10 lakh need no collateral • A slip needs no Gazette

SHG Member Name Mismatch in Jharkhand: Sakhi Mandal, JSLPS Records and Bank Linkage

Many women in Jharkhand belong to a Self Help Group (SHG), often called a Sakhi Mandal, promoted by JSLPS, the State Rural Livelihood Mission. The SHG has its own bank account, and the RBI says only the office bearers' KYC is needed to open it. So a member's name slip does not always stop the group. But it matters in three places: when you are an office bearer who signs for the group, when you take an individual loan or benefit through the group, and when your name in the SHG's own records differs from Aadhaar. We publish Gazette notices, and we say this first: a spelling slip in SHG records needs no Gazette notice.

📞 Call 9540005002 WhatsApp 9540005064 Which case you have

1.5Lakh rupees: the minimum first loan to an SHG, or six times its corpus

10Lakh rupees: SHG loans up to this need no collateral and no margin

0Members whose KYC is needed to open the SHG's savings account

0Gazette notices needed for a spelling slip in SHG records

Reviewed by the Jharkhandnamechange.com documentation desk • Updated 29 September 2026

Quick answer

Five points, in the order you will need them. First, if you are an office bearer, your name at the bank must match Aadhaar, because your KYC stands for the group. Second, when office bearers change, the group passes a resolution and the new signatories do KYC at the bank. Third, ask your SHG to correct your name in its register to match Aadhaar; this is our advice. Fourth, for your own benefits, your own bank account must match Aadhaar too. Fifth, a spelling slip here does not need a Gazette. We publish Gazette notices, and we say this plainly.

The basics

What the RBI Rules Say About SHG Bank Accounts and KYC

SHG member name mismatch in Jharkhand, with an SHG passbook, a member register and an Aadhaar card side by side — An office bearer's name at the bank, and each member's name in the register, should match Aadhaar.

The points below come from the RBI's Master Circular on DAY-NRLM of 1 April 2025, as published by TaxGuru, and the bank linkage FAQ on the LokOS portal. Where a point is our own reading, we say so.

What the RBI rules say about SHG bank accounts
Point	What the source shows
Opening the SHG account	Account form and a resolution of the SHG authorising office bearers to open and operate it, per the LokOS FAQ
KYC of office bearers	"KYC verification of all the office bearers shall suffice", per the LokOS FAQ
KYC of members	"KYC verification of all the members of SHG shall not be required while opening the Savings bank account"
Aadhaar e-KYC	If e-KYC of office bearers is done, no other proof than Aadhaar is needed
Loans	First dose six times the corpus or Rs 1.5 lakh; second eight times or Rs 3 lakh; third at least Rs 6 lakh, per the 2025 Master Circular
Collateral	"For loans to SHGs up to Rs 10.00 lakh, no collateral and no margin will be obtained"

So the bank checks names for the office bearers, not for every member. That is why an ordinary member's slip rarely stops the group's account. But an office bearer's slip can, and so can a slip in the records used for individual benefits. This is our reading.

The SHG's own register is not a bank record. The group keeps its members' names in its books and, as reported, in the LokOS system. A correction there is the group's job, usually with help from the community resource person or the JSLPS block team. This is our advice.

Name the problem first

Which SHG Name Case You Have

SHG name problems fall into a few kinds. This sorting is ours, based on the cases members bring us.

Kinds of SHG name problems in Jharkhand
What does not match	What it usually is
Office bearer's bank name differs from Aadhaar	A slip when signatories were recorded
New office bearer not yet at the bank	Change of president or secretary not updated
Member's name in the register differs	Written from memory, or a Hindi spelling
Member's own bank account differs	An old account in a short name
Name before marriage	Joined the group after marriage, older papers in maiden name
Husband's name differs	A slip in the "wife of" line
Genuine change of name	A deliberate new name, after joining

Start with Aadhaar. If your Aadhaar is wrong, correct it first. Our Aadhaar name change page explains how. Every record then follows Aadhaar.

The fix for each

How to Fix an SHG Member or Office Bearer Name

We found no published JSLPS rule on correcting a member's name. What follows is how groups usually handle it. The table below is our practical advice.

Fixing each kind of SHG name problem in Jharkhand
Situation	What we usually advise
Office bearer's bank name differs	The office bearer gives the bank Aadhaar for e-KYC, with the group's letter
New office bearer	A fresh group resolution, then KYC of the new signatories at the bank
Member's name in the register	Correct it in the group's books at a meeting, as in Aadhaar; ask the CRP to update LokOS
Member's own bank account	See Jan Dhan account name mismatch
Name before marriage	See name change after marriage
Tribal surname spelt differently	See tribal surname correction
Genuine change of name	A Gazette notice, then Aadhaar, then the bank and the group's books

For an office bearer, the bank record is what matters, because she signs for the whole group. If her name at the bank differs from Aadhaar, the group's withdrawals and loan papers can stall. Fix her record first. This is our advice.

For an ordinary member, the group's register is what matters. At the next meeting, the group can record the correct name as in Aadhaar in its minutes, and the bookkeeper or CRP can update the group's records. Keep a copy of the minutes. This is our advice.

Do not let someone else sign in your place. If a signatory's name is wrong, fix it; do not have another member sign as her. The bank's record must match the person who signs. This is our advice.

Update the husband's or father's name too. Group records often carry it. See our father's name mismatch page.

Beyond the group

Your Own Bank Account and Benefits as an SHG Member

Many benefits reach an SHG member in her own name, not the group's. This list is our advice.

An SHG member's own records in Jharkhand
Record	Why it matters
Your own savings account	Individual payments land here. See Jan Dhan account
DBT seeding	See DBT Aadhaar seeding
Maiyan Samman	See Maiyan Samman name mismatch
Insurance through the group	See PMJJBY and PMSBY
A small business loan of your own	See PM Mudra loan
MGNREGA or pension	See MGNREGA job card

The group's loan is the group's. An SHG loan is to the group, and members repay through it. Your own name still matters for anything paid to you directly. This is our reading.

The honest part

Does an SHG Name Mismatch Need a Gazette Notice?

No, for a spelling slip, a Hindi spelling or a name before marriage. The group corrects its books, and the bank corrects an office bearer's record with Aadhaar. A Gazette notice is for a genuine change of name, and even then each record needs its own update.

When a Gazette notice is relevant to SHG records
Situation	What usually applies
Office bearer's bank name wrong	Aadhaar e-KYC at the bank. No Gazette
Member's register name wrong	Group minutes and books. No Gazette
Name before marriage	Marriage certificate. No Gazette
Change of office bearers	Group resolution and KYC. No Gazette
Genuine change of name	A Central Gazette notice, then Aadhaar, the bank and the group's books

Our commercial interest, stated plainly. We publish Gazette notices, so selling one is how we earn. For an SHG member with a spelling slip, you should not be sold one. Where a name has genuinely changed, it goes in the Gazette of India, Part IV, since the Jharkhand state press stopped personal notices in July 2025, as reported. Our name correction against name change page explains the difference.

Do it in this order

How to Fix an SHG Name Mismatch, Step by Step

Check your Aadhaar

Correct it first if wrong.

Raise it at the SHG meeting

So the group knows and agrees.

Record the correct name in the minutes

Exactly as in Aadhaar.

Ask the bookkeeper or CRP to update records

The register and the group's system.

If you are an office bearer, visit the bank

With Aadhaar and the group's letter.

If office bearers changed, pass a resolution

Then new signatories do KYC.

Fix your own bank account

For benefits paid to you.

Keep copies

Minutes, bank receipt, Aadhaar.

The one rule that holds the whole job together. The bank checks office bearers; the group keeps members' names. Fix each in its own place. This is our advice.

The full process

Central Gazette Process for a Name From Jharkhand, and Where It Fits an SHG Member

Read this before the rest of this section, because a spelling slip in SHG records never needs it. An SHG name mismatch is fixed in the group's books and at the bank, with Aadhaar, not in the Gazette. It is printed in full so you recognise at once when a notice is being sold to a family that does not need one.

No district in Jharkhand has a gazette counter, so a genuine file goes from Ranchi, Jamshedpur, Dhanbad, Bokaro, Hazaribagh, Deoghar or anywhere else in the state to the Department of Publication, Civil Lines, Delhi 110054, and the notice publishes in Part IV of the Gazette of India. As reported in July 2025 the Finance Department stopped personal name change notifications from the Jharkhand Government Press with immediate effect, so there is no state alternative to fall back on.

The Eight Steps of a Name File Sent From Jharkhand

Settle the final name first

Letter by letter, with the spacing you want, and then use exactly that everywhere, Aadhaar included. A corrigendum after publication is a second fee and a second wait.

Pick the category, then its proforma

A genuine change of name is change of Name Adult or Major. A wrongly typed spelling is the public notice for a wrongly written name. Twelve categories exist and only one is yours.

Type the proforma in duplicate

Two originals with two witnesses giving signature, full name, address and mobile number on both copies. A change of name is signed in the old name; a public notice is signed in your own name.

Fill the employment field if it is a change of name

The adult proforma asks for the post of the applicant and the office or company name. A student or a homemaker should still complete it rather than leaving it blank, because a blank field brings the file back.

Publish and keep the original paper

One of the daily local leading newspapers, carrying both names in full, the father or husband name and the residential address. The whole original paper goes in the file, not a cutting.

Pay only through BharatKosh

The Non Tax Receipt Portal and nowhere else since October 2018. Select the Department of Publication by name, read the amount the portal shows on the day, pay in your own name and print the e-receipt.

Check every date, then post it yourself

Nothing in the file older than one year. Personally or by post or courier only, never through an agent or advocate. Photocopy everything first, because nothing sent in comes back.

Read the notice, then update in the right order

Check every word the day it publishes and download the e-Gazette copy. Then update Aadhaar and PAN, and then the bank and the group's books, with the original Gazette notification.

The Five Papers in the File, and What Is Checked in Each

The five papers of a Central Gazette name file from Jharkhand and what the Department checks in each
The paper	What is checked in it, clause by clause
1. The proforma, in duplicate	That it is the right category format; the existing full name exactly as your documents carry it; the new full name exactly as settled; the father or husband name; the full address with pin code; the post and office or company name where it is a change of name; the signature in the right name for the category; two witnesses complete with signature, full name, address and mobile number
2. The affidavit or undertaking	The same names and address as the proforma, word for word, with wording matching the category. On Rs 100 non-judicial stamp paper as our safe default
3. The original newspaper	The original paper, not a cutting; the paper name and date of publication visible; both names carried; the father or husband name and residential address; dated within the last year
4. Photographs, identity proof and any category paper	Two self attested passport photographs; self attested identity and address proof matching the proforma address; both witnesses proofs; and, in a public notice file, the attested photocopy of the connected document carrying the error
5. The CD, its certificate and the BharatKosh receipt	MS Word, without the witness portion, with the name typed in place of the signature; the certificate that the hard copy and the soft copy are the same; the forwarding letter to the Controller of Publication with a telephone number and email; the e-receipt

The proforma is where files are lost, and there are twelve to choose from. A wrongly typed spelling filed on the change of name form declares henceforth be known as, claiming a change you never made. The Government charge already paid is not refunded, because BharatKosh payments are non-refundable. You then have six months to make good a shortcoming the Department points out, after which a fresh application with all new documents is required.

What to select on BharatKosh, field by field. Pay to the Department of Publication under the Ministry of Housing and Urban Affairs, and pick the Ministry, the Pay and Accounts Office and the Drawing and Disbursing Officer by their names in the dropdown, never by a code copied off a website. The codes printed for this office on different websites do not agree with each other, and money paid into the wrong head cannot be traced to your file. Read the amount on the portal on the day you pay, because it is revised each financial year.

What a Gazette notice will not do for an SHG. It will not change the group's register or the bank's signatory record by itself; each still has to be updated. It links old and new names, and nothing more. Since we publish these notices, the honest version is this: for a spelling slip, you need none. Our name correction against name change page explains the categories.

The posting detail is on the sending the file to Delhi page, the change of name wording on the proforma format page and the public notice wording on the public notice proforma page, the charge by category on the fee and undertaking page, the reasons files come back on the rejection reasons page, and the download on the download page.

Money, plainly

What an SHG Name Correction Costs in Jharkhand

The costs are small: perhaps an Aadhaar update fee and an affidavit. Correcting the group's own books costs nothing. Not a Gazette notice, for a slip.

Costs connected with an SHG name correction in Jharkhand
Item	What we can and cannot tell you
Correcting the group's register	The group's own work, at its meeting
Office bearer KYC at the bank	We found no published fee. Ask your branch
Aadhaar update	As UIDAI charges at the centre. See our Aadhaar page
Affidavit	Stamp paper, Rs 100 as our safe default, plus the notary's fee
Gazette notice	Only if you choose it for a genuine new name. Paid on BharatKosh, revised each year and non-refundable
What we charge	Quoted on the call. For telling you which record to fix, nothing

The mistake that costs the most. Leaving a departed office bearer as signatory. The group cannot withdraw without her. Pass a resolution and update the bank as soon as office bearers change.

Myths we correct most often

Myths About SHG Member Names in Jharkhand

Common beliefs about SHG names and what is actually so
What people believe	What is actually so
A name mismatch needs a Gazette	A slip is fixed in the group's books or at the bank
Every member needs KYC to open the SHG account	Only office bearers' KYC, per the RBI rules
A member's slip blocks the group loan	The bank checks office bearers; the group's books need fixing
SHG loans need collateral	None up to Rs 10 lakh, per RBI
A new president can sign straight away	After a resolution and KYC at the bank
JSLPS can change my bank name	Your bank changes it
Another member can sign for me	The signatory must be the person on record
My group record fixes my own account	Your own account is a separate record
The Jharkhand Government Press can publish my notice	Personal notices were stopped in July 2025, as reported

The habit that protects you from all nine. Ask which published rule requires the thing being demanded. Apply it to any agent, and to this page.

Plain meanings

Key Terms in an SHG Name Case

Key terms used on this page
Term	What it means in practice
SHG	Self Help Group, a small group of women who save and borrow together
Sakhi Mandal	The common name for an SHG in Jharkhand
JSLPS	Jharkhand State Livelihood Promotion Society, the State Rural Livelihood Mission
DAY-NRLM	The national rural livelihood mission behind SHG lending
Office bearers	The group's president, secretary and treasurer, who sign at the bank
Resolution	A written decision of the group, recorded in its minutes
CRP	Community resource person who helps groups with records
Corpus	The group's own savings and funds
One-and-the-same affidavit	A sworn statement that two names are one person

Coverage

SHG Member Name Help Across Jharkhand

For an SHG member or office bearer whose name differs across records, the first question is whether it is the bank's record or the group's. We read the passbook, Aadhaar and the group's papers, and draft the group's letter to the bank. For a spelling slip, we will tell you that you need no Gazette notice, and we charge nothing for telling you. We help people across Ranchi, Jamshedpur, Dhanbad, Bokaro, Hazaribagh, Deoghar and every other district, on scans over WhatsApp.

RanchiJamshedpurDhanbadBokaroHazaribaghDeogharGiridihRamgarhDumkaChaibasaMedininagarChatraKodermaGarhwaLateharGumlaLohardagaSimdegaKhuntiGoddaSahibganjPakurJamtaraSaraikela

District pages are linked from the services page.

Send your Aadhaar and the SHG passbook

Send your Aadhaar first, then the first page of the SHG passbook and, if you have it, the page of the group register with your name. Our first reply tells you which record to fix. For a spelling slip, we will tell you that no Gazette notice is needed and charge you nothing. Details on the contact page.

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✉️info@jharkhandnamechange.com
📍Ranchi office: Main Building, Near Shaheed Chowk, Ranchi, Jharkhand 834001
🏛️Head office (Gazette filing desk): Metro Pillar No. 377, Near Burari Metro Station, Shop No. B-1, Ground Floor, Gali No. 1, Khasra No. 31/12, Hardev Nagar, Jharoda Majra, Burari, Delhi 110084

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FAQ

SHG Member Name Mismatch in Jharkhand: Frequently Asked Questions

My name in the SHG register differs from Aadhaar.+

Raise it at the meeting, record the Aadhaar spelling in the minutes, and ask the bookkeeper to update.

Do all members need KYC for the SHG account?+

No. Office bearers' KYC is enough to open it, per the RBI rules.

I am the secretary and my bank name is wrong.+

Give the bank your Aadhaar for e-KYC, with a letter from the group.

Our president has changed.+

Pass a group resolution, then the new signatories do KYC at the bank.

How much can our SHG borrow?+

First loan at least Rs 1.5 lakh or six times the corpus, per the 2025 Master Circular.

Does the SHG loan need collateral?+

None up to Rs 10 lakh, per RBI.

Can JSLPS correct my bank name?+

No. Your bank corrects it. JSLPS staff can help with the group's records.

My name changed after marriage.+

Update Aadhaar, then the group's books and your bank, with the marriage certificate.

My own benefit did not come.+

Check your own account's name and DBT seeding, not only the group's.

Can another member sign for me?+

No. The signatory must be the person on the bank's record.

Do I need a Gazette notice?+

No, for a slip or a married name. We publish Gazette notices, and we still tell you this.

How much of this can you do for us?+

Reading your papers and drafting the group's letter to the bank. The group and the bank decide.

Who wrote and checked this page

Written and maintained by the Jharkhandnamechange.com documentation desk, led by founder Vipin Chauhan, B.Tech LL.B, with 5+ years filing with the Department of Publication. The loan doses and collateral rule come from the RBI's Master Circular on DAY-NRLM of 1 April 2025, as published by TaxGuru. The account opening and KYC points come from the bank linkage FAQ on the LokOS portal. Three limits are declared openly on the page itself. First, we found no JSLPS rule on correcting a member's name, so the minutes and books route is our advice. Second, we could not open the RBI circular itself. Third, how LokOS records are updated is as reported, not read from a manual. We publish Gazette notices, and this page says plainly that a slip needs none. We are a documentation consultancy and not a bank, not JSLPS, and not the Department of Publication. Who we are is on the about page.

Last reviewed 29 September 2026 • 9540005002 • info@jharkhandnamechange.com • Jharkhandnamechange.com is a private documentation consultancy and is not the Department of Publication, the Controller of Publication, JSLPS, the Rural Development Department, any bank, a law firm or any Government office. This page is general information, not legal or financial advice.

Verify it yourself

Official Sources on SHG Bank Linkage

Sources used for the SHG name mismatch page
Source	What it is used for on this page
RBI Master Circular on DAY-NRLM, 1 April 2025	Loan doses, collateral-free limit, KYC reference
LokOS bank linkage FAQ	Resolution, office bearers' KYC, no member KYC for the savings account, Aadhaar e-KYC
JSLPS website	JSLPS as the State Rural Livelihood Mission under the Rural Development Department
What we could not verify	A JSLPS rule on member name correction; the RBI circular's own text; a bank fee
Our other pages on the neighbouring questions	Jan Dhan account; DBT seeding; Aadhaar

Why this page names what is missing. SHG guides explain loans. Few say that the bank checks only office bearers, so members' names are fixed in the group's own books.

Quick Summary

SHG Member Name Mismatch in Nine Lines

The short version

An SHG has its own bank account.
Only office bearers' KYC is needed to open it.
An office bearer's bank name must match Aadhaar.
New office bearers need a resolution and KYC.
Members' names are fixed in the group's own books.
Record the Aadhaar spelling in the minutes.
Your own account matters for benefits paid to you.
SHG loans up to Rs 10 lakh need no collateral.
A spelling slip needs no Gazette notice.

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