AUTHORITY TO OPERATE A BANK ACCOUNT
(A limited banking mandate. Not a general power of attorney.)
Executed on 1 April 2026 at Chandigarh (Andhra Pradesh).
NOTE TO THE BANK AND TO BOTH SIGNATORIES
This authority records the terms agreed between the Account Holder and the Operator, and is given to the Bank in support of a mandate request. It does not replace the Bank's own mandate form, specimen-signature card or KYC formalities, and the Bank may require all of those before the Operator is allowed to operate the Account. This is not a joint account, not a nomination and not a transfer of the money in the Account. The Operator receives authority to act. The Operator receives no ownership of a single rupee.
- 1. THE PARTIES
1.1 Account Holder: Sunita Ramesh Deshpande, W/o Shri Ramesh Deshpande, aged 71 years, resident of X, holding Aadhaar no. XXXX XXXX 4417 (referred to below as "the Account Holder", "I" and "me").
1.2 Operator: Aditi Sunita Deshpande, D/o Shri Ramesh Deshpande, aged 38 years, resident of X, holding Aadhaar no. ABCDE1234F (referred to below as "the Operator").
1.3 Relationship of the Operator to the Account Holder: Spouse.
Email address for notices to the Operator: X.
- 2. THE ACCOUNT
2.1 Bank: State Bank of India ("the Bank").
2.2 Branch: Sector 22 Branch, SCO 1234, Chandigarh 160022 ("the Branch").
2.3 Account: the Savings Bank account bearing account no. 3012 4456 7789, IFSC SBIN0001234, held at the Branch ("the Account").
2.4 The Account is held jointly. The other holder or holders of the Account are Ramesh Vasant Deshpande. They join in this authority and sign it below to record their consent, and every reference below to my instructions is to be read as the instructions of all holders.
- 3. WHY I AM GIVING THIS AUTHORITY
3.1 My purpose is this: I am 71, recovering from a hip replacement and unable to travel to the branch. My daughter will pay my household bills, medical expenses and society maintenance from this account until I can attend the branch again.
3.2 The Operator must use the Account only for that purpose, and for nothing else.
- 4. WHAT THE OPERATOR MAY DO
4.1 Subject to clauses 5 and 6, I authorise the Operator to do the following on the Account, and nothing beyond it: pay in cash and cheques, withdraw cash by cheque or withdrawal slip, and obtain statements, passbook entries and cheque books.
4.2 Mode of operation: Singly. The Operator may sign and give instructions alone, without any second signature.
4.3 Every cheque, instruction, form or instrument that the Operator signs under this authority must be signed in a form that shows the Operator is signing for me and not personally, such as "Aditi Sunita Deshpande, authorised to operate account no. 3012 4456 7789 for Sunita Ramesh Deshpande", or in whatever form the Bank prescribes.