In India, you can open a current account with a virtual office address as long as the address is a valid business or registered address and you can give the bank the proof it needs. The virtual office address bolsters your paperwork for the banks. Also, the GST/MCA/letterhead matches the address you provide.

Here is a useful checklist and some frequently asked questions about virtual bank accounts in India that you can use before you go to the branch or apply online.

Can you use a virtual office address to open a current account?

Yes, a lot of banks will accept a virtual office address when:

This address is where your Registered Office or Principal Place of Business is located, and
You can show proof of the entity’s address and proof of occupancy (an agreement, a notice of cancellation, or a utility bill), and
The bank can finish checking (by phone or in person).

Also, banks follow RBI KYC rules. For individuals, RBI FAQs say that accounts can be opened with a deemed address proof and then updated with the current address within a certain amount of time (if applicable).

A list of current account documents that most banks will accept

1) Documents for the entity or business (if needed)

The PAN of the business, firm, or entity
Proof of business constitution:

Company: MOA/AOA and Certificate of Incorporation
LLP: the LLP agreement and the papers needed to form and register the business
Partnership: Partnership deed and, if possible, registration
Proprietorship: Any government-issued registration or licence that has the name and address of the business

Axis, for instance, lists the company’s PAN, MOA/AOA, COI, board resolution, and other information for its current accounts.

2) KYC of the person or people who are allowed to sign

PAN, ID proof, and proof of address
Pictures as needed (ICICI clearly states the requirements for proof of identity, proof of address, and proof of business).

3) Proof of business address for the bank (the “make-or-break” set)

If you work from home, have two or three strong address proofs ready:

GST registration certificate with the address of the virtual office (if you have one)
Shop and establishment or other local registration showing the same address (if this applies)
Agreement for a virtual office or service
NOC from the address provider (for GST and bank use)
A recent utility bill for the property (provided by the virtual office provider)
A board resolution that includes the registered office address (for companies).

HDFC’s checklist for opening a current account includes proof of the entity’s address, such as GST and Shop & Establishment, among other things.

Quick list of things to do before you apply for a “virtual office”

The address is the same on the MCA, GST, letterhead, and invoice template
The agreement, NOC, and utility bill are all up to date and easy to read.
Signatory KYC address proofs are clean (front and back, valid, and self-attested if needed)
You can say, “Where do you work from?” (keep website, bills, and proof of clients)

Frequently Asked Questions (FAQs) by Bank

HDFC Bank

Q: What kind of proof of address can I send in for a current account?

A: HDFC’s current account checklists usually ask for proof of the entity’s address, such as GST and Shop & Establishment certificates. If your virtual office address is on these papers, it usually makes acceptance stronger.

ICICI Bank

Q: What proof of address do I need for a proprietorship current account?

A: ICICI says that proprietorship accounts need two government-issued documents in the business’s name that confirm the name and address (registration or licence type documents). That’s where GST and registration that show the virtual office address come in handy.

Axis Bank

Q: What papers do businesses need, and where does proof of address fit in?

A: Axis lists things like the company’s PAN, MOA/AOA, and COI, proof of the company’s address, a board resolution, and KYC and beneficial owner/FATCA declarations for the signatory. Your “company address proof” should show the address of your registered office if it is a virtual office.

Last tip: how to lower the chance of being turned down

When you apply for a current account with a virtual office, don’t just rely on an agreement. Along with it, you should have at least one government-issued document that shows the same address (GST/registration). You should also have the NOC and utility bill ready.

Quick Summary:

If your GST address is in the same state, you can change it online using the GST portal’s core-field amendment for the Principal Place of Business (home → virtual office).

Prepare your virtual office documents (proof of address and an agreement or NOC, if necessary), send in your GST amendment application via DSC/EVC, and keep track of it using the ARN.

Once you get the green light, download the new certificate and change the GST address on your invoices, website, and vendor profiles.

Introduction

In the beginning, it’s common for people to run GST from their home address. But as the business grows, founders often choose a virtual office address for privacy, credibility, and easier vendor and onboarding checks. The good news is that in most cases, you can change your GST address online using the GST amendment application process.

Important note: GST is different in each state. If the “new” address is in a different state, you usually need to get a new GST registration (new GSTIN) instead of changing your address. If it’s in the same state, go ahead and change it.

What happens when you go from Home to Virtual Office?

Most of the time, when you switch from a home office to a virtual office, you have to update your Principal Place of Business (PPOB). Changing the address of the PPOB is considered a core-field amendment and is filed through the portal under Amendment of Registration (Core Fields).

Keep in mind that GST changes should usually be filed within 15 days of the change.

List of documents needed (Virtual Office → GST address change)

For a virtual office GST address change, have these things ready (the exact combinations may depend on the case, rent, or type of ownership):

Address proof of premises (like a utility bill, property tax, or municipal document-these are all commonly accepted as “proof of place of business”)
Rental or lease agreement (if the property is rented or leased)
An NOC or consent letter from the owner of the property (this is common for rented or agreed-upon properties)
Any paperwork your virtual office provider gives you to help you follow GST rules (like an agreement and proof set)

Tip: Make sure that the address you entered matches the proof you uploaded exactly (unit number, floor, building name, and PIN code). The most common reason for queries is small differences.

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Step by step: Change the address on your GST registration (PPOB)

Step 1: Sign in and choose the option to make changes

Visit gst.gov.in and sign in.
To change your registration, go to Services → Registration → Amendment of Registration (Core Fields).

Step 2: Choose “Main Place of Business”

In the core amendments, click on the Principal Place of Business tab and then click Edit. (PPOB address change goes through a core amendment.)

Step 3: Type in the new address for the Virtual Office.

Address: building, street, locality, city, district, state, and PIN
Contact information (if needed)
Type of possession (rented, leased, consented to, or owned)
Reason for the change and when it will take effect (make sure this matches what your supporting documents say)

Step 4: Add documents that back up your claim

Upload the utility proof and the agreement/NOC from the checklist, if they apply. The portal flow needs documents to prove that the address has changed.

Step 5: Check and send (DSC/EVC)

To verify, choose the authorised signatory and send the request via DSC or EVC, as needed.

Step 6: Write down the ARN and keep an eye on the status.

After you send in your application, an ARN is made to keep track of it. The officer usually handles core amendments. Keep an eye on portal notices and questions.

Step 7: After getting the green light, download the new Registration Certificate.

Once it is approved, the changed registration or order can be found on the portal

After you get the go-ahead, don’t forget these quick updates.

Change the address on your invoices, letterheads, website, and contact pages.
Change the addresses in the profiles of vendors and marketplaces (where GSTIN is checked)
Have a folder ready with the virtual office proofs for any checks or audits

General FAQs

1) Do I need to go to the GST office to change my GST address, or can I do it online?

Yes, you can change your address online by filling out a GST amendment application on the GST portal under Amendment of Registration (Core Fields). Please consult with your GST expert or CA before taking any action.

2) Is it a core change to change the Principal Place of Business (PPOB)?

Yes, changing the principal place of business GST is a core field amendment that is filed through the core amendment flow.

3) What papers do you need to change the address on your GST registration to a virtual office?

You usually need proof of the address of the property (like a utility bill or property document) and, if necessary, a rent or lease agreement and/or owner consent/NOC, just like you do for PPOB changes.

4) Can I just change the GST address if I move from one state to another?

No, usually not. GST registration is different in each state. Usually, if your new address is in a different state, you need a new GST registration (GSTIN) instead of an amendment.

5) Can I change my GST address from my home to a virtual office?

If you have real supporting documents and the address can meet any verification needs (if asked), a virtual office address is often used as the PPOB for GST.

Month: January 2026

Current Account with Virtual Office Address: Documents + Bank-wise FAQs (India)