🏦 Bank KYC Update Guide

How to update KYC for SBI, HDFC, ICICI, Axis, Paytm, PhonePe and more — online and offline methods.

🚨 Scam Warning — Read Before Proceeding Banks NEVER send SMS/WhatsApp links for KYC update. Never share OTP, PIN, or password with anyone. If you receive such messages, report to 1930 (Cybercrime Helpline). Always visit official bank website/app directly.

🏛️ SBI KYC Update — Online (YONO App)

Open YONO SBI App

Download "YONO SBI" from Play Store / App Store. Login with your username and MPIN.

Go to Services → KYC

Tap "Services" at the bottom → "My Account" → "KYC Update" or search "KYC" in the search bar.

Aadhaar-Based eKYC

Enter your Aadhaar number → OTP will be sent to Aadhaar-linked mobile → Enter OTP → KYC updated.

💡 This works only if your Aadhaar mobile number is active and linked.

Branch Visit (If Online Fails)

Visit nearest SBI branch with original Aadhaar + PAN card. Fill KYC form at the counter. Takes 2–3 working days.

Video KYC (V-CIP)

SBI offers Video KYC for new accounts. Go to YONO → New Account → Video KYC → Live video call with bank officer.

🔵 HDFC Bank KYC Update

Login to HDFC NetBanking

Go to netbanking.hdfcbank.com or open HDFC Bank MobileBanking app.

Go to Accounts → Update KYC

Click "Accounts" → "Update KYC Details" → Select account → Choose Aadhaar or PAN-based KYC.

Upload Documents

Upload clear photos of Aadhaar (front & back) and PAN card. File size should be under 2MB each.

Verification

HDFC verifies within 2–5 working days. You'll receive SMS/email confirmation once KYC is updated.

HDFC Video KYC

For new accounts: HDFC app → Open Account → Video KYC → Keep Aadhaar + PAN ready for the video call.

🟠 ICICI Bank KYC Update

Open iMobile Pay App

Services → KYC Update

Go to "Services" → "Account Services" → "KYC Update" → Select your account.

Aadhaar OTP Verification

Enter Aadhaar number → Verify with OTP → KYC updated instantly for Aadhaar-linked accounts.

Document Upload

If Aadhaar OTP fails, upload PAN + address proof documents. Verification takes 3–5 working days.

💙 Paytm KYC (Full KYC)

Open Paytm App

Tap your profile icon (top left) → "Complete KYC" or "Upgrade to Full KYC."

Choose KYC Method

Option A: Aadhaar OTP (instant) | Option B: Video KYC | Option C: Visit Paytm KYC Point (offline).

Aadhaar OTP Method

Enter Aadhaar number → OTP on Aadhaar-linked mobile → Take selfie → KYC done in 2 minutes.

Video KYC Method

Tap "Video KYC" → Keep Aadhaar + PAN ready → Live video call with Paytm agent → Done in 5 minutes.

Benefits of Full KYC

Full KYC unlocks: ₹2 lakh wallet limit, Paytm Payments Bank account, FD, insurance, and more.

📲 PhonePe KYC

PhonePe uses UPI — No Separate KYC

PhonePe is linked to your bank account via UPI. KYC is done at your bank level. Ensure your bank KYC is updated.

PhonePe Switch KYC

For PhonePe Switch (mini-apps wallet): Profile → KYC → Aadhaar OTP verification.

📋 KYC Documents — What's Accepted

Identity Proof (any one)

🪪 Aadhaar Card

🛂 Passport

🗳️ Voter ID

🚗 Driving License

💳 PAN Card

Address Proof (any one)

🪪 Aadhaar Card

🏠 Utility Bill

🏦 Bank Statement

🛂 Passport

📮 Post Office Passbook

✓

Document Photo Tips

Take photos in good lighting. All 4 corners must be visible. Text must be clearly readable. File size under 2MB. JPG or PDF format preferred.

✓

Use Masked Aadhaar

For online submissions, use Masked Aadhaar (shows only last 4 digits). Download from myaadhaar.uidai.gov.in.

Frequently Asked Questions

What happens if I don't update KYC?

Your bank account may be frozen for transactions above a certain limit. UPI payments, NEFT, and RTGS may be blocked until KYC is updated.

Is Video KYC safe?

Yes, Video KYC (V-CIP) is RBI-approved and fully secure. The bank officer will verify your documents live. Never share OTP during video KYC.

How long does KYC take?

Aadhaar OTP-based eKYC is instant. Document upload takes 2–5 working days. Branch visit KYC takes 1–3 working days.