Minor to Major Account Conversion

When you or your child turns 18, a Minor Account must be converted into a Major Account to continue seamless banking. This ensures full access to account features, independent operation and compliance with regulatory requirements.

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Credit Guarantee Fund Trust For Micro And Small Enterprises CGTMSE

How to Convert a Minor Account into a Major Account?

Via InstaServices

Process to be followed by the Guardian

  • Visit the InstaServices page and click ‘Let’s Begin’ after confirming prerequisites.

  • Guardian enters Registered Mobile Number + DOB/PAN/Customer ID and authenticates via OTP.

  • Confirm guardian identity using eKYC/Debit Card/NetBanking, select language, give consent, and proceed.

  • Submit details based on chosen option (e.g., Aadhaar/VID for eKYC) and confirm with OTP.

  • Select the Minor Turned Major’s Account, enter communication details, and choose Mode of Operation.

  • Select the Account Variant and confirm.

  • Review and update Nominee Details if required.

  • Preview and confirm all details.

  • A link is sent to the Minor turned Major via SMS/Email to complete the process.

Note: The Minor turned Major must convert the account within 30 days to avoid the account being blocked.

Click here to get started

Process to be followed by the Minor

  • Open the link from SMS/Email and click ‘Let’s Begin’.

  • Confirm availability of guardian-selected documents and verify with OTP.

  • Review and confirm details provided by your guardian.

  • Complete verification using Aadhaar eKYC (enter Aadhaar/VID, submit OTP).

  • Confirm address, FATCA, birthplace, and marital status details.

  • Verify via Email OTP.

  • Select Debit Card, enable Insta Alerts and e-statements.

  • Preview details, give consent, and start Video KYC (vKYC).

  • Once vKYC is completed, the account will be upgraded to a Major Account.

No need for collateral

Via Branch Visit

  • You can upgrade a Minor Account to a Major Account by downloading or collecting the Minor to Major Conversion Form, filling it with the required details, attaching a copy of your Aadhaar and address proof, and submitting it at the branch.
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Key Considerations

  • The account must be converted within 30 days of the minor turning 18. If not, it will be blocked and can only be unblocked by visiting a branch.

  • The account number remains the same after conversion—only the status changes from Minor to Major.

  • An SMS and Email will be sent to the Minor turned Major with a link to complete the conversion process.

  • A valid PAN card (with photo and signature) is mandatory. 

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Prerequisites for Minor to Major Account Conversion

Before converting a Minor Account to a Major Account, both the guardian and the now-adult account holder must these certain requirements:

A. Guardian

  • Must be an Indian national and tax resident of India.
  • Should have completed KYC (ID & Address Proof) with HDFC Bank.
  • Must have Debit Card/NetBanking/Aadhaar details handy for identity confirmation.

B. Minor Turned Major

  • Should possess a valid Aadhaar Number.
  • Must have an upgraded physical PAN card with photo and signature.
  • Aadhaar and PAN should be available for identity verification and Video KYC (vKYC).

Frequently Asked Questions

You can easily do so through InstaServices. However, a branch visit may be needed if Aadhaar isn’t linked.

The existing ATM card will continue to work unless you choose to upgrade it.

You get independent account operation, higher transaction limits and access to full banking services.

A guardian is mandatory for opening a Minor Account.

Valid Aadhaar, PAN card (with photo and signature), and address proof are required.

There is no fee for upgrading a Minor Account to a Major Account.

Minor to Major Account Conversion Now!

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