Change of Bank Account Details Guide

This guide explains how to update your bank account details with the Pay and Accounts Office (PAO) to ensure smooth crediting of pay, allowances, advances, and Post Discharge Claims (PDCs). Follow these steps to avoid delays or payment issues.

Key Points for Change of Bank Account Details

Topic	Details
Monthly Pay System	Pay, allowances, AFPPF advances, and withdrawals credited directly to bank account.
Mandate Form	Compulsory for updating bank details with PAO.
Changing Bankers	Requires NOC from previous bank and mandate form from new bank; don’t close old account until salary credited.
Post Discharge Claims	PDC cell/NE section credits via bank; submit NEFT Mandate Form with LPC.

Checklist for Changing Bank Account Details

Check	Document/Action	Notes
✔️	Mandate Form	Submit with new bank details (account number, IFSC code).
✔️	NOC from Previous Bank	Required if changing bankers.
✔️	Verification	Ensure salary credited to new account before closing old one.
✔️	NEFT Mandate Form (PDCs)	Submit with LPC at discharge, include bank account number.
✔️	Service Book Entry	Confirm updated bank details recorded.
✔️	Ink-Signed Request	For bank change, countersigned by OC/CO.
✔️	Copy of Passbook/Cheque	For verification of new bank details.

Common Reasons for Issues

Issue
Missing/incomplete mandate form with incorrect bank details.
Not submitting NOC from previous bank.
Closing old bank account before salary credited to new account.
Missing NEFT Mandate Form or incorrect account number for PDCs.
Failure to update service book with new bank details.
Not submitting ink-signed request for change.

Quick Tips for Jawans

Tip
Complete mandate form accurately with new bank details.
Obtain NOC from previous bank before switching.
Wait for salary credit in new account before closing old one.
Submit NEFT Mandate Form with LPC for PDCs.
Verify pay slips for correct account crediting.
Keep copies of mandate form, NOC, passbook, LPC.
Ensure service book reflects updated bank details.
Report payment issues to PAO/unit promptly.