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KYC (Know Your Customer), also called periodic KYC or Re-KYC, verifies the identity and address information held for your account. The exact procedure depends on your country, bank, account type, customer risk category and whether anything has changed. The India-specific examples and rules below are not universal banking requirements.
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What a safe KYC update involves
A genuine KYC request should lead you to a bank-controlled, authenticated or otherwise bank-designated process. You should be able to verify the request without relying on the message, caller or social-media account that brought it to your attention.
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- Independent confirmation: Check whether an update is actually due using contact details obtained from your card, statement, a saved bookmark or the bank app already installed on your device.
- Bank-approved channel: Use the route the bank confirms for your account, such as authenticated mobile or internet banking, a branch, or an eligible ATM, IVR, SMS, registered-email or business-correspondent process.
- Minimum necessary information: Submit only documents and declarations listed in the bank’s own checklist for the change you are making.
- Credential protection: A bank employee should not need your login password, card PIN, full card security information or OTP to “complete” a KYC update.
- Completion evidence: Keep the acknowledgement or reference number and check later, through an authenticated channel, that the profile was actually updated.
Submitting a form or uploading a document is not proof that the bank changed its records. Confirmation from the bank and a check of the resulting profile are separate steps.
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Step-by-step: update KYC without taking a scammer’s route
1. Verify the request independently
- Do not tap the link or reply to the text, email or chat that asks for KYC.
- Open the official banking app that is already on your phone, type the bank’s web address manually, or call the number printed on your debit card, account statement or other trusted bank material.
- Ask whether periodic KYC is due for your specific account, what information needs updating and which channels are available to you.
- Record the date, time and any case or service reference supplied by the bank.
Indian government cyber-safety guidance advises customers to contact the financial institution directly and obtain contact numbers from the institution’s official website or another trusted source. Read the KYC-fraud guidance in the Indian government I4C “Dos and Don’ts” handbook.
2. Select the channel the bank authorizes for your account
Eligibility can depend on whether you are an individual customer, whether your address or identity has changed, the validity of your identity document and the bank’s internal controls. A channel that works for one customer may be unavailable to another. Ask the bank to confirm the route before submitting anything.
3. Check the document list for the precise change
Determine whether you are making a “no change” declaration, changing only an address, replacing an expired identity document, updating a name, or changing another profile field. The bank may accept a self-declaration in an authenticated session for a no-change case, but may require documents, an in-person check or additional verification for a material change.
Use the bank’s own checklist and submit legible copies only through the verified route. Do not email identity documents to an unsolicited address or upload them to a website reached through an unverified message.
4. Protect your account while completing the update
- Type the address of the bank’s website instead of following a message link.
- Use the official app obtained from your device’s legitimate app store; never install an APK sent through a message or by a caller.
- Check the domain, encryption indicator and app publisher before signing in, but do not treat a padlock alone as proof that a site is genuine.
- Never reveal a login ID and password, card number and security code, ATM PIN, telephone banking PIN or OTP to a caller, chat contact or email correspondent.
- Do not permit remote-control or screen-sharing software at someone else’s instruction.
The person who initiated contact is not made trustworthy by knowing your name, partial account information or an apparently genuine reference number.
5. Save the acknowledgement and verify the record
- Save the on-screen confirmation, email, SMS, receipt or reference number generated by the bank.
- Note any stated processing period and keep copies of documents submitted.
- After that period, sign in through the bank’s authenticated app or website and inspect the KYC, address or profile field that was supposed to change.
- If the record is unchanged, contact the bank through the independently obtained number and quote the reference number. Do not restart the process through an unsolicited link.
For a specified India amendment, the Reserve Bank of India says, “The bank shall update the customer’s KYC records and intimate the customer once the records get updated in the system.” That obligation does not turn every message into a genuine one; you still need to use the bank’s verified process.
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Which official channel should you use?
The safest channel is the one your bank confirms for your account, not a channel that looks easiest in a message. This comparison shows what to ask about before proceeding.
| Channel | Typical eligibility or use | Verification and documents | In-person visit | How completion may be confirmed |
|---|---|---|---|---|
| Authenticated mobile or internet banking | Enrolled customers; availability varies by bank and by whether details changed | Login and bank-controlled authentication; self-declaration or uploads when the bank permits | Usually no, if the digital route is enabled | On-screen receipt, message, reference number and later profile check |
| Branch | Customers with changes, exceptions or unavailable digital eligibility | Originals or copies listed by the bank; staff verification and forms may apply | Yes | Stamped receipt or branch acknowledgement, followed by a profile check |
| ATM or cash/deposit machine | Only where the bank explicitly offers Re-KYC and the customer meets its conditions | Machine authentication and the bank’s permitted declaration flow | No, but an ATM visit is still required | Transaction slip or electronic acknowledgement |
| IVR, SMS or registered email | Limited no-change cases or other bank-defined workflows | Registered contact details and bank-prescribed confirmation; do not send credentials | No | Reply or case confirmation from the bank, then verify the record |
| Authorized business correspondent | Only where the bank and applicable rules authorize that correspondent and your case qualifies | Identity checks and the declaration or documents permitted by the bank | May be possible outside a branch | Receipt and bank notification after the records are updated |
Electronic KYC is governed by local law and bank controls. For example, Saudi Arabia’s central-bank rulebook allows electronic updates for enrolled customers when identity information is verified and documented using reliable, independent sources. That rule should not be read as permission to use any electronic link or as a rule for customers in other countries.
How to recognize a fake KYC message
High-risk signs
- A threat that your account, card or mobile service will be blocked within minutes unless you act through a link.
- A request to install an app, APK, browser extension or remote-support tool.
- A shortened, misspelled or look-alike domain, or a link whose destination differs from the text shown.
- A caller who asks for an OTP, PIN, password, card security code or a complete set of identity details.
- A demand to transfer money, pay a “verification fee” or share a screen while logging in.
- Pressure to keep the call secret or to bypass a branch, the normal app or the number on your card.
- A social-media direct message claiming to be a bank support agent.
What to do when a message might be real
- Do not respond, click, download or call the number in the message.
- Capture the sender and wording if you need to report it, then use the bank’s independently sourced contact route.
- Ask the bank to confirm the due date, the exact change required and the approved channel.
- Report suspected fraud through the bank’s official reporting route and your country’s cybercrime authority. If you entered credentials, contact the bank immediately to block access and change them using a clean device.
A genuine reminder can be copied or forwarded by criminals. Treat the reminder and the update process as two separate things: verify the first, and initiate the second yourself.
India: regulatory details that affect Re-KYC
RBI amendment of June 12, 2025
The Reserve Bank of India (Know Your Customer (KYC)) (Amendment) Directions, 2025 contain a time-bound provision for an individual customer categorized as low risk. The regulated entity should allow transactions and ensure KYC updation within one year of the KYC falling due or up to June 30, 2026, whichever is later. The provision also covers eligible low-risk individuals whose periodic updation had already fallen due.
This is a dated, India-specific rule with eligibility conditions. It is not a general guarantee that every customer can ignore a KYC request, and later regulatory changes may affect the dates or conditions. Confirm your status with the bank.
In specified no-change or address-only-change cases, the amendment permits self-declarations through an authorized bank Business Correspondent. The bank must notify the customer once the records are updated. Not every correspondent is authorized, and not every customer qualifies; ask the bank to identify the approved route.
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Central KYC Records Registry (CKYCR)
On November 6, 2024, the RBI amended its KYC direction concerning the Central KYC Records Registry. For specified purposes, regulated entities should seek or retrieve the customer’s KYC Identifier and obtain records online when available. In general, they should not require the customer to submit the same records or extra details except in listed circumstances.
CKYCR reduces duplicate paperwork in qualifying cases; it does not mean a bank can never request updated information. A changed address, expired document, regulatory requirement or discrepancy may still require evidence.
What Indian banks’ published procedures show
These pages illustrate why you must follow your own bank’s instructions rather than a generic KYC checklist.
Federal Bank
Federal Bank’s ReKYC instructions say eligible individual customers with no change may have ATM or cash/deposit-machine, IVR and SMS options, subject to conditions including the validity of the Officially Valid Document. Customers whose information has changed are directed to a branch. The page is a bank-specific example, not a universal entitlement.
ICICI Bank
ICICI Bank’s Re-KYC page describes routes through its app and net banking, a branch e-KYC process, form and document submission, and a registered-email self-declaration for no-change cases. Terms and eligibility apply, so use the page only after confirming that it applies to your account.
Axis Bank
Axis Bank’s Re-KYC information sets out channel and customer-type limitations and warns customers not to share personal details over calls or emails claiming to update Re-KYC. Its warning reflects a general rule: a request’s topic does not authorize the person making it to collect your credentials.
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Choose documents based on what changed
No information changed
Ask whether a self-declaration through authenticated banking, registered email, IVR, SMS, an ATM or an authorized correspondent is available. Do not send a fresh identity-document scan merely because a message says “re-verify” if the bank’s own checklist says a declaration is enough.
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Confirm which address evidence is accepted and whether the bank permits a digital declaration or requires a branch. An address-only route may have different rules from a complete profile change.
Name, identity document or other core information changed
Expect the bank to request the documents and verification appropriate to that change. If the document is expired, damaged or inconsistent with the bank’s record, ask what replacement evidence is required before uploading anything.
Business, joint or non-individual account
Do not assume an individual-customer process applies. Authorized signatories, beneficial owners and entity documents can require a branch or a specialized relationship channel. Obtain the checklist from the bank handling the account.
Problems and recovery steps
The link says the deadline is today
Ignore the urgency, verify the status through the bank’s official app or number and ask whether any restriction has actually been placed. A genuine deadline does not require you to surrender credentials to the sender.
You cannot complete the digital flow
Stop after the bank’s error message, save the reference or screenshot, and contact official support. Ask whether your account type, document status, joint-account arrangement or changed details require a branch. Do not switch to a link supplied by an unknown caller.
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You submitted documents but received no confirmation
Contact the bank through an independently obtained route, provide the submission reference and ask whether the records were updated or remain pending. Keep the original files and submission evidence until the bank confirms completion.
You disclosed an OTP or password
Call the bank immediately using the number on your card or statement. Ask it to block or secure digital access and transactions, then change credentials through the genuine app or website. Review recent transactions and report any unauthorized activity without delay.
Final safety checklist
- Did you verify the request independently?
- Did the bank confirm that KYC is due and name the approved channel?
- Does the channel belong to the bank and require only the information on its checklist?
- Have you refused to share passwords, PINs, card security details and OTPs?
- Did you avoid unsolicited links, APKs and remote-access requests?
- Did you save the acknowledgement and later confirm the updated profile?
Frequently Asked Questions
Can I complete Re-KYC from a message sent by my bank?
Do not use the message link. Start from the bank’s app, a manually entered official website address or the number on your card, and ask whether the message and channel are genuine.
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Does an existing CKYCR record mean I never need to provide documents again?
No. CKYCR can prevent duplicate submission in qualifying cases, but a bank may still need updated evidence for a changed detail, an expired document, a discrepancy or another listed exception.
What proves that my KYC update is finished?
The bank’s acknowledgement and a subsequent check of your KYC or profile record through an authenticated channel. Uploading documents alone does not prove that the records changed.
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