Differences

This shows you the differences between two versions of the page.

@@ Line 1: / Line 1: @@
+{{htmlmetatags>
+metatag-keywords=(bank kyc, kyc update, kyc freeze, account frozen kyc)
+metatag-description=(Account frozen for KYC non-update. Periodic KYC mandatory every 2-10 years (risk-based). Online or in-branch.)
+}}
+====== Bank KYC issues — block, freeze, periodic update (2026) ======
+{{ :social:auto:banking-kyc-issues.png?direct&1200 }}
+<WRAP info>
+**Quick answer:** KYC required: at account opening + periodic update (every 2-10 years based on risk). Non-update = account frozen. Re-KYC online via portal OR in-branch.
+</WRAP>
+===== Key facts =====
+  * 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
+===== Step-by-step process =====
+  - **Bank notifies for KYC update** — SMS / email / letter.
+  - **Online KYC via bank portal** — Video call + document upload.
+  - **OR visit nearest branch** — With Aadhaar + PAN + photo.
+  - **KYC completed in 7-15 days** — Account auto-unfrozen.
+  - **Periodic KYC every 2-10 years** — Based on risk tier.
+===== Documents needed =====
+  * Aadhaar
+  * PAN
+  * Recent photograph
+  * Address proof (utility bill / passport)
+===== Common issues + how to handle =====
+  * 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.
+===== If stuck — file an RTI =====
+Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
+<code>
+. Status of my application no. _____ dated _____ as on date.
+. Name + designation of dealing officer assigned to my file.
+. Reasons for delay beyond the statutory timeline.
+. Copy of any noting / movement of my file in the past 30 days.
+. Likely date of resolution / decision.
+</code>
+**Auto-fill the PIO + your case:** [[:citizen-rti-playbook|Open the AI RTI Drafter →]]
+===== Frequently asked questions =====
+==== Account frozen — how to unfreeze? ====
+Complete KYC. Auto-unfreeze in 7-15 days post-completion.
+==== Online video KYC mandatory? ====
+No — branch alternative always available.
+==== PAN must match Aadhaar? ====
+Yes — name + %%DoB%%. Update one if mismatch.
+==== Why repeated KYC? ====
+Risk-based periodic schedule. Once in 2-10 years.
+===== Summary + next step =====
+<WRAP center round tip 90%>
+**Bottom line:** KYC required: at account opening + periodic update (every 2-10 years based on risk). Non-update = account frozen. Re-KYC online via portal OR in-branch. If delayed beyond statutory timeline, file an RTI — most cases clear within 15 days.
+  * **AI RTI Drafter:** [[:citizen-rti-playbook|Auto-fill PIO + your case]]
+  * **More guidance:** [[:audience:msme-entrepreneurs|Schemes for msme entrepreneurs]]
+  * **Browse all banking guides:** [[:banking:start|Index]]
+</WRAP>
+===== Related =====
+  * [[:banking:start|All banking guides]]
+  * [[:check-status:start|25 status-check guides]]
+  * [[:how-to-apply:start|25 how-to-apply guides]]
+  * [[:rejection-recovery:start|16 rejection-recovery guides]]
+  * [[:helplines:start|32 helplines + grievance routes]]
+  * [[:citizen-rti-playbook|Full RTI Playbook]]
+//Last reviewed: 26 April 2026.//
+{{tag>banking kyc-issues citizen-services rti-fallback}}

Was this helpful? — views