SBI Nomination Add/Change: How to Update Nominee Online & Offline

What is SBI Nomination?

Nomination in an SBI bank account allows you to designate a person (nominee) who will receive the account balance in the event of the account holder's death. Under the Banking Regulation Act, every bank account holder should register a nominee. SBI allows up to two nominees with customizable percentage splits.

Why is Nomination Important?

• Smooth claim settlement: Nominee can claim the balance without lengthy legal proceedings
• Mandatory for insurance: Linked insurance benefits require a valid nominee
• RBI advisory: RBI encourages all bank account holders to register nominees
• Avoids family disputes: Clear nomination prevents confusion among legal heirs

Who Can Be a Nominee?

• Any individual (family member, friend, or any person)
• Minor nominees are allowed — but a guardian must be appointed
• NRI account holders can also nominate
• For joint accounts, nomination activates after the death of all account holders

How to Add or Change Nominee in SBI

Method 1: Via YONO SBI App (Online)

1. Open the YONO SBI app and log in
2. Go to Service Requests or My Accounts
3. Select Nomination → Add/Modify Nomination
4. Select your account number
5. Enter nominee details:
   • Full name
   • Date of birth
   • Relationship with account holder
   • Address
   • Percentage share (if adding multiple nominees)
6. For minor nominees, enter guardian details:
   • Guardian name
   • Guardian relationship
   • Guardian address
7. Verify with OTP sent to registered mobile
8. Submit and save the acknowledgement

Method 2: Via SBI Net Banking (OnlineSBI)

1. Log in to www.onlinesbi.sbi
2. Navigate to e-Services → Nomination in Deposit Accounts
3. Click Add/Modify Nomination
4. Select the account
5. Enter nominee details (same as YONO method)
6. Set percentage share for each nominee
7. Submit with OTP verification
8. Print the acknowledgement for records

Method 3: Via Branch Visit Using Form DA1 (Offline)

Form DA1 is the standard nomination form for SBI deposit accounts.

1. Visit your SBI home branch
2. Request Form DA1 (Nomination Form) from the counter
3. Fill in the form with:
   • Account holder details and account number
   • Nominee name, date of birth, and relationship
   • Nominee address
   • For minor nominee: guardian name and address
   • Percentage share (if multiple nominees)
4. Sign the form
5. For joint accounts, all account holders must sign
6. Submit with a photo ID proof copy
7. Collect acknowledgement receipt

Form DA1 — Key Details

Download: Form DA1 is available at SBI branches. It may also be downloadable from sbi.co.in under Forms section.

Multiple Nominees and Percentage Split

SBI allows up to 2 nominees per deposit account:

• Each nominee can be assigned a percentage share of the account balance
• The total percentage must equal 100%
• Example: Nominee 1 — 60%, Nominee 2 — 40%
• If only one nominee is registered, they receive 100% of the balance

Minor Nominee — Guardian Requirement

If your nominee is below 18 years of age:

• You must appoint a guardian for the minor nominee
• The guardian will receive the funds on behalf of the minor until they turn 18
• Guardian details required: name, relationship with minor, address, and ID proof
• Once the minor turns 18, they can claim directly by updating the nomination

Important: The guardian for nomination purposes can be different from the legal guardian.

Documents Required

• Form DA1 (for branch submission)
• Account holder's photo ID (Aadhaar, PAN, Passport)
• Nominee's ID proof (Aadhaar or any valid ID — for verification)
• Guardian's ID proof (if nominee is a minor)
• No separate documents needed for online nomination via YONO/net banking

Processing Time

Important Tips

1. Register a nominee immediately after opening a bank account — don't delay
2. Update nomination when life events occur (marriage, birth of child, death of existing nominee)
3. Nomination is not the same as a will — legal heirs can still contest; but nomination ensures quick initial settlement
4. Keep acknowledgement safe — it's proof that nomination was registered
5. Check nomination status periodically via YONO or net banking under account details

Frequently Asked Questions

Q1. How many nominees can I add in SBI account?

SBI allows up to 2 nominees per deposit account. You can split the percentage between them (must total 100%).

Q2. Can I add nominee in SBI account online?

Yes. You can add or change nominee via YONO SBI app or SBI net banking (OnlineSBI). The update is instant.

Q3. What is Form DA1 in SBI?

Form DA1 is the standard nomination registration/modification form for SBI deposit accounts. It is submitted at the branch for adding or changing nominees.

Q4. Can a minor be a nominee in SBI account?

Yes. A minor (below 18) can be a nominee, but you must appoint a guardian who will manage the funds until the nominee turns 18.

Q5. What happens if there is no nominee in SBI account?

Without a nominee, the legal heirs must produce a succession certificate, legal heir certificate, or court order to claim the account balance, which is a lengthy process.

Q6. Can I change my SBI nominee without visiting the branch?

Yes. Nomination can be changed online via YONO SBI app or SBI net banking. No branch visit is needed for online modification.

Q7. Does SBI nomination override a will?

No. Nomination does not override a will. The nominee acts as a trustee. Legal heirs can claim their rightful share through legal proceedings. However, nomination ensures the bank releases funds quickly to the nominee.

This guide is for informational purposes only. CitizenNest is an independent platform and is not affiliated with the State Bank of India or any government body. For official information, visit sbi.co.in or your nearest SBI branch.