Letter to Bank Manager for Minor to Major Account

When a bank account is opened for a child below 18 years of age, it is maintained as a minor account under the supervision of a parent or guardian. Once the account holder turns 18, it becomes necessary to submit a minor to major account application to the bank. This process ensures that the account is updated and the holder can operate it independently. A properly written application for minor to major account helps the bank to verify details and officially convert the account.

Writing a minor to major account application letter is a simple but important task. It is usually addressed to the branch manager, where the account is held, and includes details like the account number, name of the holder, and date of birth. The purpose of this application for bank account minor to major is to inform the bank that the customer has now attained majority and wishes to continue using the account as a regular one. Most banks, including SBI, require this step to complete the process. That is why many customers specifically search for an application for minor to major account SBI bank format to avoid mistakes.

The bank account minor to major application is also necessary for updating KYC documents such as Aadhaar card, PAN card, and a passport-size photograph. Submitting these documents along with an application for converting minor account to major allows the bank to complete the verification smoothly. Without this, certain services may not be available, and in some cases, the account might even get restricted.

A minor account to major account application is always written in a formal tone. It should be clear, polite, and precise. This type of minor to major account letter is not only a request but also proof that the customer has formally asked the bank for the conversion. While different banks may have their own guidelines, the overall format of an application to bank manager for minor to major account remains similar.

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Why Is a Minor Account Converted to Major Account?

A minor account is opened for children below the age of 18 years. The account is usually managed by a parent or guardian. However, once the minor turns 18, he or she is considered an adult under the law and gets full rights to operate the account independently. At this stage, the bank requires an application for converting minor account to major to update the status of the account.

This step is essential for:

1. Legal Compliance – Banks need to follow rules of the Reserve Bank of India (RBI) and ensure that only adults operate major accounts.
2. Independent Access – The account holder can now independently deposit, withdraw, and use banking facilities.
3. KYC Update – The bank updates the Know Your Customer (KYC) documents, such as Aadhaar card, PAN card, and photographs, during the conversion process.
4. Continued Usage – Without an application for minor to major account, the account may face restrictions or even be suspended.

Format of an Application for Minor to Major Account

To write a proper bank account minor to major application, you should follow a standard format.

1. Sender’s Details – Name, address, contact number.
2. Date – The date of writing the application.
3. Receiver’s Details – Branch Manager’s name, bank name, and branch address.
4. Subject – Clearly mention "Application for Minor to Major Account".
5. Body of the Letter – Mention account details, date of birth, and request for conversion.
6. Enclosures – Attach KYC documents like Aadhaar, PAN, photographs, etc.
7. Closing – Thank the manager and provide signature

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Application to Bank Manager for Minor to Major Account

Minor to Major Account Application - Sample 1

To,
The Branch Manager
[Bank Name]
[Branch Address]

Subject: Request to Convert Minor Account to Major Account

Respected Sir/Madam,

I, [Your Full Name], holding a minor savings account with account number [XXXXXXX] in your branch, have recently attained the age of 18 years on [DOB]. I kindly request you to convert my minor account into a regular/major account at the earliest.

I am enclosing my updated KYC documents (Aadhaar card, PAN card, and recent passport-size photograph) for your records.

I shall be grateful for your assistance in this regard.

Thanking you,
Yours faithfully,
[Your Signature]
[Your Name]
[Contact Number]

Application for Minor to Major Account - Sample 2

To,
The Bank Manager
[Bank Name]

Subject: Application for Conversion of Minor Account to Major Account

Dear Sir/Madam,

I am [Your Name], maintaining a minor savings account in your bank under account number [XXXXXXX]. I have now completed 18 years of age, and therefore I request you to kindly convert my account into a major account.

I am attaching my valid ID proofs and photographs for the required formalities.

Thank you for your kind support.

Yours sincerely,
[Your Name]

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Minor to Major Account Application Letter - Sample 3

To,
The Branch Manager
[Bank Name]

Subject: Application for Conversion of Minor Account

Respected Sir/Madam,

I am [Parent’s/Guardian’s Name], guardian of [Account Holder’s Name], who holds a minor account in your branch (Account No. [XXXXXXX]). Since my ward has now attained 18 years of age, I request you to kindly update and convert the minor account into a regular account.

All necessary KYC documents are enclosed herewith for your reference.

Kindly do the needful at the earliest.

With regards,
[Guardian’s Name]
[Signature]
[Contact Details]

Application for Bank account Minor to Major - Sample 4

To,
The Branch Manager
[Bank Name]

Subject: Request for Upgradation of Minor Account to Major Account

Sir/Madam,

I am writing to formally request the conversion of my minor savings account (Account No. [XXXXXXX]) to a major account, as I have now attained majority (Date of Birth: [DD/MM/YYYY]).

Kindly let me know if any additional documents are required apart from the KYC proofs (PAN, Aadhaar, photographs) enclosed herewith.

I look forward to your kind cooperation.

Sincerely,
[Your Full Name]
[Signature]
[Phone Number]

Bank Account Minor to Major Application -Sample 5

To,
The Bank Manager
[Bank Name]

Subject: Minor to Major Account Conversion

Dear Sir/Madam,

I am [Your Name], account holder of minor account no. [XXXXXXX]. I have now turned 18 years of age and request you to kindly convert my account to a regular account.

Please find attached the required documents for verification.

Thank you,
[Your Name]
[Signature]

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Application for Minor to Major Account SBI Bank

To,
The Bank Manager,
State Bank of India,
Branch Name,
Branch Address

Subject: Request to Convert Minor Account to Major

Respected Sir/Madam,

I, [Your Name], holding a minor savings account with account number [Your Account Number], have recently turned 18. I kindly request you to upgrade my account from minor to major.

I am submitting the required documents for your reference:

1. Proof of identity (Aadhaar Card/PAN Card)
2. Proof of age (Birth Certificate/Passport)
3. Proof of address (Aadhaar/Utility Bill)
4. Passport-sized photographs

Please process my request and update my account at the earliest.

Thank you for your assistance.

Yours sincerely,
Your Name
Contact Number
Email Address

Tips for Writing a Minor to Major Account Letter

1. Keep the letter formal and polite.
2. Clearly mention account details and date of birth.
3. Attach all necessary KYC documents.
4. Use a proper subject line like “Application for Minor to Major Account”.
5. End the letter with a note of thanks.

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Step-by-Step Process for Converting Minor Account to Major

1. Write an application to bank manager for minor to major account.
2. Attach KYC documents: Aadhaar, PAN, photograph.
3. Submit the minor to major account letter at the branch.
4. Bank verifies the documents.
5. Account status is updated from minor to major.
6. The account holder can now enjoy full banking rights.

Importance of a Minor to Major Account Application Letter

A minor to major account application letter is an official request to the branch manager of the bank. The purpose of this letter is to inform the bank that the account holder has turned 18 and wishes to continue using the same account as a major.

The letter also serves as:

• Proof of communication between the account holder and the bank.
• A record for the bank to initiate KYC updates.
• A formal step in the conversion process.

Without submitting an application for bank account minor to major, banks cannot allow full usage of the account.