Why is the error "Bank account addition cannot be processed online for your account. Please initiate request offline." displayed?

The error Bank account addition cannot be processed online for your account. Please initiate request offline is displayed for NRI, minor account holders and clients who do not have a demat account with Zerodha. They must follow the offline process of adding secondary/tertiary bank accounts.

To add the secondary/tertiary bank account, follow these steps:

1. Print Account Modification Form (PDF).
2. Enter the bank details and sign in the F box. Ensure that the signature on the documents matches the signature in the account. To know the existing signature proof in the account, see Where can the submitted documents be checked while opening an account?
3. Provide bank proof. Any of the following: personalised cancelled cheque with the name printed, bank statement or passbook with the name, IFSC and MICR numbers clearly visible.
4. Courier the documents to:
   Zerodha,
   153/154, 4th Cross, J.P Nagar 4th Phase,
   Opp. Clarence Public School,
   Bengaluru - 560078
   

The request is processed within 48 working hours, and a confirmation email is sent. There are no charges to change the secondary bank account.

Secondary bank accounts can only be used to transfer money to the Zerodha account. Withdrawals cannot be made into the secondary bank account and can only be made into the primary bank account.