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

anonymous@undisclosed.example.com (Anonymous) — Tue, 05 May 2026 04:27:14 +0000

2026/05/05 12:06	current
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	+	{{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. * Periodic KYC mandatory under PML Act + RBI Master.)
	+	}}

	+	====== Bank KYC issues — block, freeze, periodic update (2026) ======
	+
	+	{{:social:auto:banking-kyc-issues.png?direct&1200 \|Bank KYC issues — block, freeze, periodic update (2026) — RTI Wiki}}
	+
	+	<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>
	+	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.
	+	</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}}

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