What is CAMS KRA A Complete Guide to KYC Registration in India

CAMS KRA, short for Computer Age Management Services – KYC Registration Agency, plays a pivotal role in streamlining the KYC (Know Your Customer) process for mutual fund investors in India. It acts as a centralised repository that stores and manages investor identity and address verification records. Once investors complete their KYC through CAMS KRA, they can seamlessly transact across any mutual fund house without having to repeat the documentation process. This not only saves time but also ensures consistency and compliance with SEBI-mandated norms for investor verification.

CAMS KRA functions as a centralised platform that collects, verifies, and stores KYC documents for mutual fund investors. This includes essential information such as identity proof, address proof, PAN details, and a photograph. Once the submitted details are validated as per regulatory norms, CAMS KRA generates a unique KYC Registration Number (KIN). This number serves as a universal KYC record, allowing investors to transact with any mutual fund distributor or AMC in India without needing to repeat the KYC process.

• Convenience: Investors need to complete the KYC process only once through CAMS KRA. This eliminates the hassle of submitting the same documents to multiple mutual fund houses. It offers a seamless and user-friendly experience for ongoing and future investments.

• Time Saver: By centralising KYC, CAMS significantly reduces the time spent on onboarding. Investors can quickly start investing without repeated form-filling or document submission. This speeds up access to mutual fund opportunities and portfolio building.

• Regulatory Compliance: CAMS KRA ensures all KYC details meet SEBI-prescribed verification standards. This reduces the risk of errors or rejections and prevents delays in investment processing. It helps maintain regulatory integrity for both investors and fund houses.

• Download Forms: Obtain KYC Form A or Form B from CAMS KRA or mutual fund websites.
  

• Provide Documents: Submit PAN, Aadhaar (or other approved ID), photo, and proof of address.
  

• Submit & Validate: Send forms to CAMS KRA centres or KRA-approved intermediary; biometrics may be required.
  

• Verification Status: CAMS processes and verifies documents, issuing a unique KYC number. This process takes 1–2 weeks.
  

• Use Across Mutual Funds: The KRA number acts as a universal authentication token for mutual fund investments.
  

1. Visit the CAMS KRA portal and select the appropriate KYC form (Individual, Non-Individual, etc.).
   

2. Enter personal details like PAN, name, and contact information.
   

3. Verify mobile number using OTP.
   

4. Upload documents – PAN, Aadhaar/address proof, photo, and signature.
   

5. Complete In-Person Verification (IPV) via live video or recorded selfie.
   

6. E-sign the form using Aadhaar OTP.
   

7. Submit and track status online using your PAN.
   

1. Download and fill the physical KYC form.
   

2. Attach self-attested copies of PAN, address proof, and a passport-size photo.
   

3. Visit a CAMS centre, AMC office, or distributor to complete IPV.
   

4. Submit the documents and get an acknowledgement.
   

5. KYC is processed in 10–15 working days; status can be checked online.
   

Refer the table below:-

• Individual KYC Form

Used by individual investors to complete their KYC for the first time. It includes personal details like name, PAN, Aadhaar, contact details, and identity/address proof.

• Non-Individual KYC Form

Meant for entities like companies, trusts, partnerships, and LLPs. It requires information such as registration documents, PAN of the entity, and details of authorised signatories.

• KYC Modification Form

Used to update or correct information already submitted in the KYC, such as a change in address, contact number, or name correction.

• KYC Status Rectification Form

Submitted when the KYC is on hold or rejected due to errors or missing documents. It helps to rectify the issues and get the KYC verified.

• KYC Annexure Form

A supplementary form used to provide explicit consent for Aadhaar-based eKYC and comply with authentication guidelines.

• KIN Generation Form

Used to generate a KIN (KYC Identification Number) through Aadhaar-based eKYC, especially when the investor chooses to do paperless verification.

• Document Discrepancies: Name/address mismatches may delay KYC; ensure consistency across IDs.
  

• Verification Failures: Incorrect Aadhaar OTP or incomplete forms can cause rejections; cross-check submission.
  

• Status Check: Track application on CAMS KRA portal using PAN or KRA number.
  

CAMS KRA plays a crucial role in simplifying and standardising the KYC process for mutual fund investors across India. By centralising investor data and enabling a one-time registration, it eliminates the need for repetitive documentation with every fund house. This not only enhances convenience for individuals but also boosts operational efficiency for financial institutions. The platform ensures secure verification and compliance with SEBI norms, making the investment process smoother and more reliable. For both new and seasoned investors, completing KYC through CAMS KRA is a vital step toward accessing the full range of mutual fund options with ease and regulatory assurance.

This content is for informational purposes only and the same should not be construed as investment advice. Bajaj Finserv Direct Limited shall not be liable or responsible for any investment decision that you may take based on this content.