KYC is a process by which a bank obtains and verifies information relating to the customer’s identity, address, nature of business, and financial status.

Yes. KYC is mandatory at the time of account opening and during periodic Re-KYC.

For Individual Accounts:

(a). Any one Officially Valid Document (OVD):

• Passport
• Driving Licence
• Proof of possession of Aadhaar number
• Voter’s Identity Card
• NREGA Job Card (duly signed by a State Government officer)
• Letter issued by the National Population Register

(b). PAN or Form 60 (as per Income-tax Rules, 1962)

(c). Any additional information/documents relating to nature of business or financial status, if required by the Bank

For Non-Individual Customers:

Refer to: ICICI Bank documentation guidelines.

The customer must submit an OVD containing the updated address or complete Aadhaar OTP–based e-KYC through self-declaration.

“No”, only a self-declaration confirming “no change in KYC information” is suffice, provided the existing OVD on bank records is valid and not expired.

Re-KYC can be done both through Online & Offline modes.

(a). Can Re-KYC be completed online with ICICI Bank?

Ans. Yes. Re-KYC can be completed digitally through:

• ICICI Net Banking / iMobile app
• Video KYC (where applicable)
• Aadhaar OTP–based authentication (if eligible)

(b). Is Re-KYC allowed via email?

Ans. Yes. Customers may submit a self-declaration via their mapped RM / BM / Customer Care.

(c). Is branch visit mandatory for Re-KYC?

Ans. No. Customers may complete Re-KYC online or visit the nearest ICICI Bank branch.

Through SMS; Email / Letter; Notification on iMobile App

Post login on digital channels:

• iMobile App: Me > Update KYC or Services > Update KYC / Profile
• Net Banking: Service Requests > Bank Accounts > Update KYC / Profile

Re-KYC may be updated immediately or within 4 working days, subject to verification.

The account may be restricted for transactions. As per PML Rules, 2005, continued non-compliance may result in account closure after due notice.

Yes. After prolonged non-compliance, the Bank may restrict and eventually close the account as per RBI guidelines.

Within 24-72 hours after successful verification.

Based on customer risk categorisation:

• Low Risk: Every 10 years
• Medium Risk: Every 8 years
• High Risk: Every 2 years

Yes. Any change in OVDs or demographic details must be reported within 30 days, and the Bank will acknowledge receipt.

Yes. Confirmation will be sent via SMS and Email.

Re-KYC must be completed by the guardian until the minor turns 18. OVD, PAN, and Birth Certificate of the minor are mandatory.

No. ICICI Bank offers:

• Digital Re-KYC / e-KYC /Video Re-KYC/email
• Doorstep service (mapped RMs)

No. Re-KYC is completed for all accounts under same customer ID

Yes.

Yes. Customers may connect with their RM/BM for assistance.

Yes. Re-KYC is completed securely within the customer’s logged-in ICICI Bank App / Net Banking session.

No. ICICI Bank does not send clickable links via SMS for KYC updates. Customers are advised to avoid suspicious links.

Bank is required to update the customers’ KYC records as part of ongoing due diligence process to ensure that the information or data collected under CDD is kept up to date and relevant. The periodicity of such updation depends on the risk categorisation of the customer by the Bank and such periodic updation of KYC records (at times referred to as re-KYC) shall be carried out at least once in every two years for high-risk, eight years for medium risk and ten years for low-risk customers.