KYC Update Online for Bank Accounts — All Major Banks 2026

Banks periodically ask customers to update KYC (Know Your Customer) — usually every 2 years for high-risk accounts, every 5–8 years for low-risk. If KYC is not updated, the bank can restrict debit/credit operations or freeze the account entirely.

This guide covers how to update KYC without visiting a branch for every major Indian bank.

RBI Rule: Banks cannot close an account solely for non-updation of KYC. They can freeze debit operations. Once you submit KYC documents, they must restore account operations within 3 working days.

Why Is KYC Update Required?

Documents for KYC Update (All Banks)

Fastest combination: Aadhaar (OTP-based) + PAN — accepted digitally by most banks.

SBI KYC Update Online

Method 1: SBI YONO App (Aadhaar OTP-based)

1. Open YONO → More → Service Requests
2. Select "Re-KYC Update"
3. Choose Aadhaar OTP Verification
4. Enter Aadhaar number → OTP received on Aadhaar-linked mobile
5. Submit — KYC updated digitally
6. Timeline: 1–2 working days

Method 2: SBI Net Banking

1. Login → My Accounts → Profile → KYC Update
2. Upload Aadhaar + PAN (scan/photo, clearly readable)
3. Submit
4. Timeline: 2–3 working days

Method 3: Email to Branch (If App Not Working)

• Email your home branch with scanned KYC documents
• Attach: Self-attested Aadhaar, PAN, recent photo
• Subject: "Re-KYC Update Request — Account XXXX"

Branch Visit (Last Resort):

• Home branch → Fill re-KYC form → Submit documents
• Same-day processing

SBI Customer Care: 1800-11-2211

HDFC Bank KYC Update Online

Method 1: HDFC Mobile App

1. Open HDFC Mobile Banking → More → KYC Update
2. Select Video KYC or Document Upload
3. Video KYC: Bank representative joins a video call → you show Aadhaar, PAN live on camera
4. Document Upload: Upload photos of KYC documents
5. Timeline: 24–48 hours

Method 2: HDFC Net Banking

1. Login → My Account → Update KYC
2. Upload documents digitally
3. Timeline: 2–3 working days

Method 3: WhatsApp Banking

• Save HDFC WhatsApp number 7290077711
• Send "Hi" → Select KYC → Follow prompts

HDFC Customer Care: 1800-202-6161

ICICI Bank KYC Update Online

Method 1: iMobile Pay App (Video KYC)

1. Open iMobile Pay → Services → KYC Update
2. Select Video KYC
3. ICICI bank officer initiates video call (usually within 15 minutes during banking hours)
4. Show Aadhaar + PAN on camera → KYC done
5. Timeline: Real-time (same call)

Method 2: iMobile — Aadhaar OTP

1. iMobile → Profile → KYC → Aadhaar OTP Verification
2. Enter Aadhaar → OTP → Confirm
3. Timeline: Instant to 2 hours

Method 3: ICICI Net Banking

1. Login → My Account → Update Documents → KYC
2. Upload Aadhaar + PAN

ICICI Customer Care: 1800-1080

Axis Bank KYC Update Online

Method 1: Axis Mobile App

1. Open Axis Mobile → Profile → KYC Update
2. Choose Video KYC or Document Upload
3. For Video KYC: Axis executive calls within 24 hours
4. Timeline: 24–48 hours

Method 2: Axis Net Banking

1. Login → Profile Settings → KYC / Documents
2. Upload required documents
3. Timeline: 2–3 working days

Method 3: Axis Aha! Chatbot

• Axis website/app chatbot → Type "KYC Update" → Follow document upload flow

Axis Customer Care: 1860-419-5555

Kotak Mahindra KYC Update Online

Method 1: Kotak Mobile Banking App

1. Open Kotak app → Menu → My Accounts → KYC Update
2. Upload Aadhaar + PAN photos
3. Timeline: 24–48 hours

Method 2: Kotak Net Banking

1. Login → My Account → Profile → KYC
2. Upload documents

Method 3: Kotak 811 Customers

• Kotak 811 → Profile → Update KYC → Video KYC with Aadhaar

Kotak Customer Care: 1860-266-2666

PNB KYC Update Online

Method 1: PNB ONE App

1. Open PNB ONE → Services → KYC Update / Re-KYC
2. Select Aadhaar-based eKYC
3. Enter Aadhaar → OTP → Submit
4. Timeline: 1–2 working days

Method 2: PNB Net Banking

1. Login at netpnb.com
2. Services → KYC → Upload documents
3. Timeline: 2–3 working days

Branch (For Cases Where Digital Fails):

• Visit PNB branch → Fill KYC form → Submit documents

PNB Customer Care: 1800-180-2222

Union Bank KYC Update Online

Method 1: Vyom App

1. Open Union Bank Vyom → Services → KYC Update
2. Upload Aadhaar + PAN
3. Timeline: 1–2 working days

Method 2: Union Bank Net Banking

1. Login at unionbankonline.co.in
2. Profile → KYC Updation → Upload

Union Bank Customer Care: 1800-22-2244

Bank of Baroda KYC Update Online

Method 1: BOB World App

1. Open BOB World → Services → KYC
2. Upload Aadhaar + PAN
3. Timeline: 24–48 hours

Method 2: BOB Net Banking

1. Login → Customer Profile → KYC Update → Upload

BOB Customer Care: 1800-5700

Canara Bank KYC Update Online

Method 1: Canara ai1 App

1. Open Canara ai1 → Profile → KYC Update
2. Upload documents
3. Timeline: 2–3 working days

Method 2: Canara Net Banking

1. Login at canarabank.in
2. My Accounts → KYC Update

Canara Customer Care: 1800-425-0018

What Happens After You Submit KYC?

1. Bank reviews documents: 1–3 working days
2. If approved: Account restrictions lifted, debit operations restored
3. If documents rejected: Bank sends SMS/email with reason → resubmit correct documents
4. RBI mandates: Restrictions must be lifted within 3 working days of receiving complete documents

If Bank Still Blocks Account After KYC Submitted

1. Get acknowledgment — Branch/app should give reference number for KYC submission
2. Wait 3 working days — RBI mandates restoration within this time
3. Escalate: Customer Care → Ask for "KYC Processing Status"
4. Banking Ombudsman: If bank does not restore within 7 days after complete KYC submission, file complaint at cms.rbi.org.in

Frequently Asked Questions

My Aadhaar mobile number is different from bank mobile number — can I still do online KYC? For Aadhaar OTP-based KYC, the OTP goes to your Aadhaar-registered mobile, not your bank-registered mobile. You need both numbers to be active. If not, visit branch for offline KYC.

My bank says KYC is "pending" but I submitted documents 2 weeks ago — what do I do? Escalate via customer care with your submission reference number. If no resolution in 7 working days after submission, file complaint at RBI CMS portal: cms.rbi.org.in.

Can KYC be done for a joint account online? Typically, both account holders need to complete KYC separately. Online KYC works if both are digitally verified. For complex joint accounts, branch visit is safer.

Is Video KYC as valid as in-person KYC? Yes — Video KYC (V-CIP: Video based Customer Identification Process) is fully RBI-approved and legally equivalent to in-person KYC since 2021.

Does KYC update change my bank account number? No — your account number, IFSC, and all details remain the same. Only your identity verification records are updated.

PAN not linked to bank account — is that the same as KYC issue? Related but different. PAN linking is mandatory for accounts with transactions above certain limits. Your bank may mark the account restricted if PAN is not linked. Link via net banking (Profile → Link PAN) or branch.