Update or complete re-KYC at your bank periodically or when you change address or apply for a new product.
Jurisdiction
All of India — regulated by Reserve Bank of India (RBI); implemented by all scheduled commercial banks, urban cooperative banks, NBFCs, post offices, and mutual fund houses
Who applies
Any existing bank account holder, mutual fund investor, post office savings account holder, or financial product customer whose KYC records are incomplete, outdated, or need to be updated as per RBI's periodic KYC refresh requirements; also applies to new customers opening accounts
Typical time
In-branch KYC update: same day to 7 working days; Video KYC (V-CIP): 30–45 minutes (real time, account active within 24 hours); CKYC update: reflected across institutions within 7 working days
Fee
Free (banks cannot charge for mandatory KYC compliance)
| # | Document | Type needed | Purpose |
|---|---|---|---|
| 1 | Aadhaar Card (OTP-based or physical) | Original | Primary KYC document for identity and address proof; OTP-based Aadhaar eKYC is the fastest digital route accepted by all RBI-regulated entities |
| 2 | PAN Card | Original | Mandatory for all bank accounts with aggregate annual credits or debits exceeding ₹50,000; required for mutual funds and trading accounts |
| 3 | Passport-size photograph | Original | Required for physical KYC update at the branch; not required for video KYC or Aadhaar-OTP based eKYC |
| 4 | Address proof (if address has changed)(optional)Mandatory if current address differs from the address on record with the bank | Self-attested Copy | Required when the customer's address has changed since last KYC; accepted documents: utility bill (not older than 2 months), rent agreement, Aadhaar with updated address |
| 5 | Mobile number (OTP-capable) | Original | Required for OTP-based Aadhaar eKYC and for Video KYC (V-CIP); must be the number linked to Aadhaar for electronic KYC |
| 6 | Income proof (for high-value or premium accounts)(optional)Required for private banking, NRI, or wealth management accounts; not required for standard savings accounts | Self-attested Copy | Salary slip, ITR, or Form 16 required by some banks for premium accounts, NRI accounts, or when a large credit limit is sought |
Original documents: Carry originals only for in-person visits — do not hand them over permanently unless explicitly required.
Log in to your bank's net banking or mobile app and check the KYC status in your profile section. Alternatively, visit the CERSAI CKYC portal (ckycreg.in) and enter your PAN to check if your CKYC record is complete and up to date. Your bank may also notify you via SMS, email, or letter when re-KYC is due.
Choose from: (a) Aadhaar-based eKYC (OTP method) — fully online, fastest; (b) Video KYC (V-CIP — Video Customer Identification Process) — live video call with bank officer, fully online; (c) Branch visit — physical submission of documents. For re-KYC, many banks accept a simple self-declaration form submitted digitally if core details have not changed.
On your bank's mobile app or net banking, navigate to 'Update KYC' or 'Re-KYC'. Choose 'Aadhaar OTP' method. Enter your 12-digit Aadhaar number, click 'Send OTP', and enter the OTP received on your Aadhaar-linked mobile. Your identity and address details are fetched from UIDAI in real time. Consent to the eKYC and submit. The bank updates KYC records within 1–3 working days.
For new accounts or where Aadhaar OTP is not sufficient (e.g., NRI accounts, accounts with address change), schedule a V-CIP session through the bank's app. A trained bank officer will conduct a live video call, capture your PAN and Aadhaar details in real time, and take a live photo. The session is recorded and stored by the bank. Account restrictions are lifted within 24 hours of successful V-CIP.
Visit the home branch (or any branch for banks with central KYC) with original Aadhaar, PAN, and a passport-size photograph. Fill the KYC re-verification form (available at the counter). Submit originals for verification and self-attested copies for records. The bank officer will update records and provide a KYC acknowledgement slip. KYC update reflects in the system within 3–7 working days.
If you update KYC with one regulated entity, you can request them to upload your CKYC record to the Central KYC Registry (CKYCR operated by CERSAI). Once your record is in CKYCR, other banks, mutual funds, and insurers can fetch it without requiring fresh KYC from you. Ask your bank to submit your CKYC record after completing re-KYC.
Scheduled Commercial Bank / Post Office / NBFC
Physical KYC submission, document verification, and form processing
Verifies original documents, accepts KYC forms, and updates the core banking system with revised KYC details.
Bank's Digital Banking / Compliance Team
Video KYC session for new accounts or address change
Conducts live video identification, verifies PAN and Aadhaar details in real time, and approves or rejects the V-CIP session.
Bank / NBFC Compliance Department
Escalations and frozen accounts
Handles escalations where accounts have been frozen due to non-compliance; oversees the bank's overall KYC / AML compliance programme.
Checking your Central KYC Record status using PAN; used by regulated entities to fetch KYC records of existing customers
Reference for KYC norms, re-KYC timelines, and document requirements mandated by the Reserve Bank of India
Aadhaar-based OTP or biometric eKYC; used by banks and regulated entities to authenticate customers electronically
RBI mandates that banks freeze transaction facilities (debit, credit, or both) on accounts where KYC is overdue. A frozen account cannot be used for payments or withdrawals. Once frozen, the account is unfrozen only after KYC is completed, which can take 3–7 working days after submission.
OTP-based Aadhaar eKYC sends OTP to the mobile number registered with UIDAI, not to the number registered with the bank. If your Aadhaar-linked mobile has been disconnected or changed, eKYC will fail and you must visit the bank branch physically or get your Aadhaar mobile updated at an Aadhaar enrolment centre first.
The 14-digit CKYC Identification Number (KIN) assigned by CKYCR is separate from your Aadhaar. Share your KIN with all financial institutions instead of submitting fresh KYC each time. If you don't know your KIN, check on ckycreg.in using your PAN.
Bank accounts inactive for 12+ months (inoperative) require full KYC update before they can be reactivated. Simply depositing money is not enough — you must complete KYC first. Visit the branch with documents.
Accounts opened with simplified KYC (only self-declaration) — including some Jan Dhan accounts — have a maximum aggregate credit of ₹1 lakh per year and a balance limit of ₹50,000. Full KYC removes these restrictions. If you are approaching these limits, complete full KYC immediately to avoid transaction failures.