This document lays out the Terms and Conditions which shall be applicable to all the accountswhich are existing or may be opened anytime in future with SARVHARA NIDHI LIMITED .The words, I, me, my and Customer refer to the person(s) who open the account and shallinclude both singular and plural. Reference to masculine shall include the feminine and neutergender. The Bank refers to AU Small Finance Bank Limited, a scheduled commercial bankunder second schedule of Reserve Bank of India Act 1934, and a small finance bank underSection 22 of Banking Regulation Act 1949