Nomnee ka Bank me present hona jaruri nahi hai kewal Nominee ka name or age likha jata hai yadi nomnee ka age 18 ya 18 saal se jyada ho. In case yadi nomnee miner ho to uska DOB or miner k saath saath ek apointee k rup me Guardian ka bhi Name or age lagega.
Joint fd ho jayega agar allready dono ka saving joint account hai to usi se paisa kata jayega or nahi to kisi ek ke account se katkar donon ke name se fixed kar diya jayega.