How to Check KYC Status?

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What is KYC Status?

KYC (Know Your Customer) status is a method that is used to verify and identify customers and is mandated by the RBI (Reserve Bank of India). Your KYC status is used by banks and other institutions to verify who you are in order to prevent money laundering, fraud, and other related illegal activities. With your consent, the bank or other financial institutions can access your information including your biometrics and digital signature.

Why Do You Need KYC?

In these technologically advanced times, security, especially financial security, has been a constant concern. To reduce such risks and ensure verified transactions, the regulatory bodies in the country have made it mandatory for banks and other financial institutions, including asset management companies and intermediaries, to complete KYC (Know Your Customer) verification for both old and new customers, as of 2004. You need to be KYC compliant even to open any bank, demat, or trading account.

 

KYC emails authenticate the customer’s identity and ensure that they are not associated with fraudulent practices. As KYC is the responsibility of the above-mentioned institutions, there are several online and offline processes available to complete your verification in an effortless way. Once you choose your preferred type of KYC verification, provide access to the relevant KYC documents, and submit your application, you can go ahead and check your KYC status.

What are the Different KYC Status Types?

Once you place the request for checking your KYC status online, it will be displayed as one of the ‘statuses’ mentioned below during processing.

KYC Inquiry Status

Meaning of each KYC Status

KYC Registered

The ‘KYC registered’ status means that the application for KYC verification has been submitted as per the KYC guidelines and your KYC has been registered.

KYC Under Process

KYC status ‘Under Process’ or ‘KYC pending’ means that the application has been accepted but the verification is pending approval with the KYC Registration Agency (KRA).

KYC On-Hold

KYC application status will read ‘on hold’ if there is any discrepancy in the documents submitted as proof for KYC.

KYC Rejected

‘KYC rejected’ status implies that the KRA has rejected the KYC application.

KYC Not Available

This KYC status implies that there is no record for KYC verification against the specific PAN number in any of the KRAs.

CVL MF Verified

This KYC status means that the application for KYC verification is approved.

How to Check KYC Status?

If you are wondering, “How do I know my KYC status?”, you would be relieved to know that the process is rather simple and can be completed by going to the KRA (KYC Registration Agency) website and following these steps:

  • Visit CDSL’s (Central Depository Service Limited) official website.

  • Go to the ‘Inquire on KYC’ page, which will let you check your PAN KYC status.

  • Enter either your PAN Card number or a combination of your name, date of birth, and exempt category.

  • Type in the captcha displayed.

  • Click on ‘Submit’ and the website will display the KYC verification status.

How to Check KYC Status of PAN Card?

A PAN card is one of the documents that needs to be submitted for KYC verification. The Income Tax Department issues PAN cards to citizens which can serve as proof of income as well as proof of identity. 

  •  Visit the official CDSL (Central Depository Services Limited) website at the following link: www.cdslindia.com.
  • Enter your PAN number and click ‘Submit’.

  • In case you do not have a PAN card you can also use your date of birth to check the KYC status.

  • If the status shows ‘MF- Verified by CVLMF’ it means your KYC status is verified.

  • In case your PAN KYC status has not been verified, it will show as ‘Pending’.

How to check KYC Status of Employee Provident Fund (EPF)?

You can check the KYC status of EPF (Employee Provident Fund) by using the UAN (Universal Account Number).

  • Visit the EPFO member e-Sewa portal

  • Enter your UAN number and password

  • Verify the CAPTCHA and click on ‘Submit’

  • Once you log in, go to the ‘KYC’ tab and click on ‘Manage’ tab

  • Check your KYC EPF status in the ‘KYC Document Status’ tab

  • If it is approved by your employer, the status will display as ‘Approved’. If it is not approved, the status will display as ‘Pending’

How to Check Aadhaar eKYC Status?

  • Visit KYC Registration Agency’s (KRA) website

  • Enter your PAN number

  • Your Aadhaar KYC status can be checked once you successfully log in

  • In case the Aadhaar eKYC status is non-compliant, you can complete the process via Aadhaar-based biometric

How to Check KYC Status in Ministry of Corporate Affair (MCA)?

  • Register/Login into the official MCA website.

  • Select MCA Service and click on the DIN Services option

  • Go to DIR-3-KYC-Web

  • Enter your DIN (Directors Identification Number)

  • An OTP will be sent to your registered Email ID and/or mobile number

  • Verify the OTP and confirm details to check your MCA KYC status

How to Check CSDL Ventures Limited (CVL) KYC Status?

  • Go to the CVL KRA website

  • Click on ‘Inquiry of KYC’

  • Enter your Aadhaar Card Number and PAN card number to check the CVL KYC status

How to Check UAN KYC Status?

  • Log into your EPF account

  • Enter your UAN number and password

  • Verify Captcha to login and go to the ‘KYC’ option

  • Select ‘Manage Tab’ and check your UAN KYC status on the ‘Digitally approved KYC’ tab

How to Check Central KYC (CKYC) Status?

The cKYC status can be checked on any financial service providing company which provides the CKYC check facility.

  • Log into the website portal

  • Enter your PAN details

  • Verify the security details and click ‘Submit’

  • Your CKYC number will be displayed on the screen

How to Check KYC DIN?

  • Visit the official Ministry of Corporate Affairs (MCA) website

  • Click on the ‘MCA Services’ tab

  • Go to ‘DIN Services’ section

  • Enter your DIN Number and click on ‘Submit’

  • Your KYC DIN status will be displayed

How to Check the KYC Status of Your Mutual Fund

You no longer need to go through the offline process of visiting the KRA (KYC Registration Agency) offices because you can easily check your KYC status online for mutual funds. KYC verification is mandatory before investing in mutual funds. You can use the PAN card to check the KYC status of your mutual funds. In case you did not offer your PAN details while registering, you can enter your date of birth, name, and category to access your mutual funds’ KYC verification status. The steps you would need to follow are mentioned below:

  • You can visit the website of the KRA (KYC Registration Agency).

  • Enter either your PAN card number or a combination of your name, date of birth, and exempt category.

  • Type in the captcha displayed.

  • Click on ‘Submit’.

  • If your KYC is compliant, the website will display “KYC registered” or “KYC verified”. 

  • If you are not yet KYC registered, it will show “Pending” or “Not Available”.

The website will display the date of KYC registration, KYC status modification date, and a checkbox for IPV (In-Person Verification) status. You can also choose from multiple websites when it comes to checking your KYC status.

How to Check KYC Status for a Bank Account?

To check the KYC status for your bank account post submitting your KYC verification application, you would need to follow the steps mentioned below:

  • Visit your bank’s website.

  • Login to your netbanking account.

  • Click on the link that says ‘Check KYC status’.

  • Enter the account number.

  • Enter the captcha code displayed and click ‘Submit’.

Your bank account KYC status will be displayed on the screen.

 

KYC is mandatory for any type of financial transaction. As a result, getting yourself KYC-verified is critical. Apart from the conventional methods, you can also avail the latest technologically advanced ways, such as Digital KYC, Video KYC, etc., to complete the verification from the comfort of your home.

 

Some of the top banks offering these facilities include the State Bank of India (SBI), Axis Bank, HDFC Bank, RBL Bank, etc. Once you have submitted the KYC application, you can check your KYC status online in a hassle-free and efficient way using your PAN card number.

 

FAQs about KYC

  • ✔️How can I check my KYC status?

    KYC status check can be done online by visiting the website of the KYC Registration Agency (KRA) and entering your PAN card number. In case you did not use your PAN card to register, you can use a combination of your name, date of birth in the specified format, and the exempt category to check your KYC status.

  • ✔️How to check KYC status when applying for a KYC update?

     If you have applied for a KYC update, you can check the KYC status by using your PAN Card number on the website of the KYC Registration Agency. However, do remember that the KYC update may take five to seven days to process.

  • ✔️How to check the status of eKYC?

     If you have applied for eKYC, you can visit the website of the financial institution that you initiated Aadhar-based eKYC through, log in with your credentials, and use your Aadhar number to check the Aadhar eKYC status.

  • ✔️Where can the KYC form be procured from?

    You can easily find the KYC form online on any mutual funds website, or you can get it offline from a broker.

  • ✔️How can I update my KYC status?

    You can easily update your KYC status on the KYC online portal. You can log in and update the latest documents you need to change information like your name or your registered address.

  • ✔️How can I check my KYC status for investing in mutual funds?

    You can check your KYC status for investing in mutual funds on the KRA website. You will mandatorily need a PAN card as part of your KYC documents to invest in mutual funds.

  • ✔️What is KYC and why is it required?

    The KYC method helps institutions like banks or other financial institutions verify your identity. You will have to comply with KYC regulations to open any kind of bank account or partake in other activities like investing in mutual funds.