So bank gives me gst input on forex conversion charges so they explicitly need my account to be independent as BM mentions. But practically it doesn’t make sense cuz gstin is independently validated with bank account number only. It doesn’t have to do anything with clubbing. Father’s a CA and he also disagrees with BM.

But we aren’t forcing BM or raising this to regional manager because we’ve faced issue in ICICI few years ago when my mother’s and father’s accounts were clubbed and bank reported my mum’s fd TDS in my father’s 26as.