Sure, will follow the same as suggested by you. Also, please confirm if both the account holders can apply the RSDC since you hold the account so you're the most credible person to answer this. Kindly pardon if I am asking too much questions but it is just curiosity.Yes. i am joint ac holder in that ac. Why to send ur mother. Just go alone with her sign on paper with documents. If they ask then send ur mother. I dont think they will ask as its just Product code change.