SBI KYC Update Online 2026 — Without Branch Visit

State Bank of India (SBI) is India's largest bank and issues KYC update notices regularly as per RBI mandate. With YONO app and SBI net banking, you can complete KYC update without visiting a branch in most cases.

Why SBI Is Sending KYC Update Notice

Method 1: YONO SBI App (Most Convenient)

Document Upload Method

1. Open YONO SBI app → Login with MPIN
2. Go to "Services" → "KYC Update" OR tap KYC notification banner
3. Select document type:
   • Aadhaar (front + back)
   • PAN card
4. Take clear in-app photos of each document
5. Take live selfie in-app
6. Accept declaration
7. Submit → KYC reference number issued
8. Processing: 24–72 hours (working days)

Aadhaar e-KYC (OTP Method) — Fastest

1. YONO SBI → KYC → "e-KYC via Aadhaar"
2. Enter Aadhaar number → OTP on linked mobile
3. UIDAI data fetched electronically (name, address, photo)
4. Confirm → KYC updated instantly
5. No physical document upload needed

Method 2: SBI Net Banking (onlinesbi.sbi.co.in)

1. Login at onlinesbi.sbi.co.in
2. "My Accounts" → "Profile" → "KYC Update"
3. Upload scanned/photo copies:
   • Aadhaar (front + back — self-attested: signature + date)
   • PAN card
4. Submit → Reference number
5. Processing: 3–5 working days

Method 3: SBI Video KYC

SBI has rolled out Video KYC for savings account KYC:

1. YONO app → KYC → "Video KYC"
2. Choose available time slot
3. At call time: Grant camera access
4. SBI executive joins (5–7 minute call)
5. Show original Aadhaar (front + back) to camera
6. Show PAN card
7. Answer: full address, occupation, source of funds
8. KYC approved live — SMS within 1 hour

Method 4: SBI Branch

1. Visit any SBI branch (home branch or any branch for KYC)
2. Request "Re-KYC Form" at the counter/enquiry desk
3. Fill form with current details
4. Submit self-attested copies:
   • Aadhaar (front + back)
   • PAN
   • Recent passport-size photo
5. Same-day or next working day processing

SBI Customer Care: 1800-11-2211 or 1800-425-3800 (toll-free)

Documents Accepted for SBI KYC

SBI Jan Dhan Account KYC

Jan Dhan accounts have simplified KYC:

• Aadhaar alone is sufficient (Self-Certification)
• Income/occupation not required
• Balance limit: ₹50,000 without full KYC; unlimited after full KYC
• Update at SBI branch — YONO upload may not be enabled for all Jan Dhan accounts

SBI Senior Citizen KYC Update

For senior citizens (60+):

• Doorstep banking available for KYC update
• Call SBI: 1800-11-2211 → Request "Doorstep Banking for KYC"
• Bank representative visits home with required forms
• Available in most urban and semi-urban areas

Frequently Asked Questions

SBI sent KYC notice but my account works fine — do I need to update? Yes — update immediately. SBI gives 30–90 days from notice. After deadline, debits are blocked while credits/salary continue. The restriction applies without warning after deadline.

SBI YONO KYC rejected — what to do? Common causes: Document photo too dark/blurry, Aadhaar photo face not visible, name mismatch. Retry with clearer photos in good daylight. If rejected twice, visit branch.

SBI KYC for joint account — what to do? For joint accounts: Each account holder needs to submit KYC separately. YONO handles primary holder's KYC. Second holder must visit branch OR submit their KYC documents at branch for combined processing.

My SBI account has 3 linked accounts (savings + salary + loan) — do I need to update KYC for each? KYC is per CIF (Customer Information File) number in SBI — not per account. Updating KYC once via YONO covers all accounts linked to your CIF. Confirm with your branch if you have very old accounts.

SBI KYC update shows completed in YONO but debit still blocked? Allow 2–3 working days after YONO confirmation for the block to lift. If still blocked: Call 1800-11-2211 or visit home branch with YONO reference number.