- No Minimum AMB required.
- No penal charges for non-maintenance of balance in account.
- Free e-banking / m-banking facility.
- All pensioners of Union Territories of J&K and Ladakh Govt. Departments, Govt. Undertakings/Corporations, etc.
- Application Form duly filled in.
- Full KYC
- PAN Card or Form 60/61
- PPO from the concerned Treasury Officer.