Recently I had to submit a demand draft(DD) in college for taking admission. The value for which demand draft had to be made was Rs. 55062.
Banks have a rule that you must have to debit money from the account for making demand draft if the value of DD is above Rs. 50,000. This is done for tax purposes.
However, if the demand draft value is less than Rs. 50,000, there is no need for a bank account. You can simply pay by cash in that case.