How to Check KYC Status Online

Checking KYC status online only takes a minute with your PAN card at hand; simply log on to any SEBI-registered KRA website, enter your PAN card details, and you’ll see whether you’re validated, registered, or on hold. With your KYC status validated, you can seamlessly invest in mutual funds or any other financial instrument.

Quick Read

• Your KYC status can be checked on any of the five SEBI-registered KRA websites, simply by entering your PAN card details.

• Under the KYC norms, there are three possible statuses for an investor: validated, registered (existing), and on-hold/rejected.

• A majority of on-hold statuses are due to an unverified mobile number/email or a PAN not linked to Aadhaar.

• Once KYC is validated with any one intermediary, the KYC status remains the same across other AMCs, for demat accounts, and even for loan applications.

KYC status determines if you can invest in various financial services in India. It takes less than a minute to check your KYC status online using your PAN card. This guide will help you understand precisely how you can perform a KYC inquiry and explore different KYC statuses.

KYC (Know Your Customer) is a mandatory procedure carried out by SEBI (Securities and Exchange Board of India) to verify the identity of every investor before offering services such as mutual funds, demat account opening, portfolio management, and alternative investment funds. Instead of every mutual fund company carrying out KYC independently, SEBI has authorized KYC Registration Agencies (KRAs) to perform KYC for any financial intermediary. Thus, when you KYC with any of the agencies, you don’t have to repeat the process with other mutual fund companies.

Below are the steps to perform a KYC inquiry:

Step 1: Go to any of the below KRA websites:

• CVL KRA (CDSL Ventures) - https://www.cvlkra.com/

• CAMS KRA - https://www.camskra.com/

• NDML KRA (NSDL) -  https://kra.ndml.in/

• Karvy / KFintech KRA - https://www.karvykra.com/

• NSE KRA (DotEx) - https://www.nsekra.com/

Step 2: Click on KYC Status Inquiry or PAN Inquiry and enter your 10-digit PAN

Step 3: Complete the CAPTCHA verification

Step 4: Click “Submit” to view your KYC status

In case of an error while entering your PAN, ensure that you don’t have extra spaces. Also, if you get more than one response, it implies that you have undertaken KYC with multiple KRAs in the past, and the most recent one is your current KYC status.

You’ll generally come across three KYC statuses; below is what they mean. 

KYC Validated

KYC validated is the preferred status among all investors. It implies that your KYC is complete, including verification of your documents and biometric data, where applicable. Thus, you can freely invest in any financial instrument with a KYC validated status.

KYC Registered

KYC Registered indicates that your KYC details are incomplete or KYC was done before the SEBI guidelines for KYC validation took effect. Thus, although you can continue to manage your existing investments, KYC Registered status might prevent you from making new transactions. For investors with KYC Registered status, doing regular KYC inquiry is suggested to ensure your  status is active and there are no transactional restrictions. 

KYC On Hold or Rejected

KYC on hold or rejected status occurs when there is an error in submitting your KYC details. It could also be due to an unverified email or mobile number, or submission of a PAN card not linked to Aadhaar.

Follow these steps to resolve any status-related issues: 

• For KYC on hold due to an unverified mobile number or email address: Contact any intermediary, click on a link to verify your email or mobile number, and enter the OTP.

• For KYC on hold due to PAN not linked to Aadhaar: Go to incometax.gov.in and link PAN and Aadhaar. The KYC status usually updates within 48 hours.

• For document-related issues: Contact any mutual fund company and request to update documents.

• For KYC on hold due to In-Person Verification (IPV): Go to the KRA website and record yourself in a well- lit environment while showing your original PAN or reading the OTP on screen.

Your KYC information spans beyond mutual funds in the following ways:

• It applies to your bank accounts and demat accounts.

• When applying for insurance policies with a cover of more than ₹50 lakh, KYC status is requested.

• During a loan approval process, KYC information is mandatory.

• For personal loans, a KYC-validated status can make the loan process easier.

Checking KYC status online is an easy way to save your time and effort when making any financial transaction, including applying for a personal loan. Thus, it is essential to understand how to check KYC status on the KRA website and the KYC-related issues that might arise. Additionally, if your KYC status is not as desired, it might only take a day or two to resolve it. As a result, ensure that you frequently carry out a KYC inquiry to remain updated on your KYC status.