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Clarification sought 

Whether ATM cards can be issued to the following depositors:

1. SB Accounts of illiterate depositors.
2. SB Accounts opened by minor above 10 years and.
3. SB Accounts opened in the name of minors and operated through guardian.

Clarification received 

ATM Cards can be issued to the minors of above 10 years of age if account is directly operated. In other two cases, ATM Cards should not be issued.

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