Bank KYC issues — block, freeze, periodic update (2026)

• Periodic KYC mandatory under PML Act + RBI Master Direction
• Frequency: 2-3 years (high risk), 8 years (medium), 10 years (low)
• Online video KYC available since 2020
• Non-update = account frozen
• RTI to bank for KYC criteria + periodic update schedule

1. Bank notifies for KYC update — SMS / email / letter.
2. Online KYC via bank portal — Video call + document upload.
3. OR visit nearest branch — With Aadhaar + PAN + photo.
4. KYC completed in 7-15 days — Account auto-unfrozen.
5. Periodic KYC every 2-10 years — Based on risk tier.

• Aadhaar
• PAN
• Recent photograph
• Address proof (utility bill / passport)

• Account frozen without notice — RTI for notification log.
• Online KYC failing — biometric / video issue; visit branch instead.
• Repeated KYC requests — RTI for periodic schedule.
• KYC denial — bank suspecting risk; clarify with documents.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of resolution / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

Complete KYC. Auto-unfreeze in 7-15 days post-completion.

No — branch alternative always available.

Yes — name + DoB. Update one if mismatch.

Risk-based periodic schedule. Once in 2-10 years.

• All banking guides
• 25 status-check guides
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 32 helplines + grievance routes
• Full RTI Playbook

Last reviewed: 26 April 2026.