KYC Update Form: How to Do Re-KYC for Your Bank Account
How often banks ask, what you need, and how to avoid restrictions on your account.
By FinMandi Team · Last updated 27 October 2026 · Information only, not legal or tax advice.
What is re-KYC?
KYC (Know Your Customer) is the identity and address check a bank does when you open an account. Banks must refresh it from time to time. If your details are out of date or you ignore the request, the bank can restrict the account.
How often?
RBI’s rules link the gap to the customer’s risk category. As summarised in industry guides, it is about every 10 years for low-risk, every 8 years for medium-risk and every 2 years for high-risk customers. Most ordinary salaried savers are low-risk. Your bank may also ask you earlier if your documents expire or details change. Confirm the current timelines in the RBI master direction or with your bank.
Documents
- If nothing has changed, many banks accept a self-declaration for low-risk customers, online or by letter.
- If your address or name has changed, give an Officially Valid Document such as Aadhaar, passport, driving licence or voter ID.
- PAN (or Form 60) and a recent photograph if the bank asks.
How to update
- Online: net banking or the bank app, often with Aadhaar OTP, DigiLocker or video KYC.
- Branch: submit the KYC form with copies of your documents. Carry the originals.
- Post or email: some banks accept a self-declaration from your registered email or address — check first.
Open your bank’s own forms page from our bank forms directory (SBI, HDFC, ICICI, Axis, PNB, Bank of Baroda, Canara, Kotak, IndusInd, Union Bank, IDFC FIRST).
Warning: fake KYC messages
Banks do
not ask for your OTP, PIN or password over calls, SMS links or WhatsApp to “update KYC”. If a message threatens to block your account within hours and sends a link, it is a scam. Use only your bank’s official app or website. Report fraud on
1930 or at the cyber crime portal. See our
fraud recovery guide.
FAQ
Will my account be frozen if I miss it?
Banks can put restrictions after notice. Update as soon as you get a genuine request from your bank.
Is KYC the same as Aadhaar linking?
No. Aadhaar can be used as one KYC document, but KYC is a separate process.
Disclaimer: Rules and forms change, and each bank has its own version. This guide is general information, not tax, legal or banking advice. Confirm the current form and process with your bank before submitting. FinMandi is not affiliated with any bank. Never share your OTP, card PIN or CVV.
Sources
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