KYC Update Kaise Kare Online — SBI, HDFC, ICICI, All Banks 2026

By FinMandi TeamMay 202610 min read✓ 2026 Updated

3 Ways to Update KYC in 2026

Video KYC (fastest — 10 min): Mobile app → Settings → Complete KYC → Video call with bank agent
Aadhaar OTP KYC (easiest): Net banking → KYC → Link Aadhaar → OTP verification — done instantly
Branch KYC (traditional): Visit branch with Aadhaar + PAN + passport photo + filled KYC form
Why urgent: RBI mandates periodic KYC update — accounts freeze if not updated
No KYC fee: Banks cannot charge for KYC update — it is free by RBI mandate

📋 When must you update KYC? RBI mandates periodic KYC: High-risk accounts every 2 years, medium-risk every 8 years, low-risk every 10 years. Your bank will send SMS/email reminders. If you ignore — account gets partially frozen (deposits allowed, no withdrawals). Update immediately when notified!

📋 Bank-wise KYC Update Methods

Bank	Video KYC	Aadhaar KYC	App/Net Banking
SBI	YONO app	YONO + INB	YONO SBI
HDFC Bank	iMobile app	NetBanking	iMobile
ICICI Bank	iMobile Pay	Net Banking	iMobile Pay
Axis Bank	Axis Mobile	Net Banking	Axis Mobile
Kotak Bank	Kotak app	Net Banking	Kotak 811

📋 SBI KYC Update — Step by Step

Open YONO SBI app

Choose Video KYC

Select Video KYC option → Allow camera and microphone access → Bank agent will call you within 5 minutes during banking hours (9AM-5PM weekdays).

Complete video verification

Show original Aadhaar card to camera → Agent verifies face + document → KYC updated instantly! No branch visit needed.

💡 Avoid fake KYC calls: Banks NEVER call asking for OTP for KYC update. If someone calls saying "your KYC is pending, share OTP" — it is 100% fraud! Real bank KYC is done through the official bank app or by visiting the branch. Never share OTP with anyone claiming to do KYC over phone.

Also read: Banking Problems Hub · Account Frozen Guide · Aadhaar Link Bank Account

Disclaimer: KYC process as of 2026. Steps may vary slightly by bank app version. Always use official bank apps only.