KYC Update Online in 2025: Updating KYC (Know Your Customer) has now become easier than ever. The Reserve Bank of India (RBI) has simplified the entire KYC update process so that customers no longer need to stand in long queues at banks. If your KYC details such as name, address, or date of birth have not changed, you can update your KYC online sitting comfortably at home.
Earlier, most banks required customers to visit the branch for KYC updates. But now, with digital verification and self-declaration, you can easily complete the process using your mobile number, email ID, ATM, or net banking.
How to Update KYC Online – Step-by-Step Process
If your KYC is pending, follow these simple steps:
1. Log in to your online banking portal
Visit your bank’s official net banking website or app and sign in using your customer ID and password.
2. Go to the “KYC Update” or “KYC” tab
Most banks now have a dedicated KYC section. Open the tab to begin the process.
3. Enter your details
You will be asked to confirm or update details like:
- Full name
- Address
- Date of birth
- Mobile number
- Email ID
4. Upload your documents
Scan and upload your:
- Aadhaar card
- PAN card
Make sure the scanned images are clear.
5. Submit the request
After submission, you will receive a Service Request Number for tracking the status of your KYC update. You will also get SMS and email updates from your bank.
When You Must Visit the Bank
Although most updates can be done online, physical branch visits are required when:
- Your KYC documents have expired
- Your address or personal details have changed
- Your bank requests in-person verification
In these cases, you must carry original Aadhaar, PAN, and any other required documents.
What Happens If You Don’t Update Your KYC ?
KYC helps banks verify the identity and address of customers and reduces financial fraud. If you do not update your KYC on time:
- You may not be able to use banking services
- Your account may get temporarily suspended
- Long delay can lead to account closure
Banks usually send multiple reminders through SMS, calls, and emails before taking action. To avoid trouble, update your KYC as soon as possible.