How To KYC Bank Account Online Video KYC Guide 2026

How To KYC Bank Account Online Video KYC Guide 2026 5 Mins Step By Step 100% Online Safe Easy ID Verified Liveness Check Complete - Indian Yojna This Week Yojna FD How To KYC Bank Account News Winter Vacation - 200% Unique Real Topic Today 31st Oct 2026 - All Over India English Text Breaking Indian Banking How To KYC News Today 31 October 2026 - How To KYC Bank Account Online Video KYC Guide 2026 5 Mins Step By Step 100% Online Safe Easy ID Verified Liveness Check Complete Aadhaar PAN Mandatory SBI HDFC ICICI PNB Axis Bank FD Rates 8.25% - This Week Yojna Indian Yojna News - Real Latest News Today No Older No Same Post. How To KYC Bank Account Online Video KYC Guide 2026 - Full Details: As per RBI New KYC Rules Effective 1 Nov 2026, all bank accounts where KYC is pending more than 2 years must do Re-KYC before 30 Nov 2026 else account will be freezed from 1 Dec 2026. For new customers, Video KYC is mandatory for account opening from home. This guide explains how to KYC bank account online in 5 minutes without visiting branch. What Is Video KYC - VKYC: Video KYC is RBI approved method where bank officer verifies customer identity via live video call. Customer shows Aadhaar, PAN, and does liveness check by blinking, smiling, turning face. No need to visit branch. Approved by RBI since 2020, now mandatory for all banks from 2026. SBI, HDFC, ICICI, PNB, Axis, Kotak, Bank of Baroda, IPPB all offer Video KYC. Benefits Of Video KYC: - 100% Online From Home - No branch visit, no queue, save time, especially useful during winter vacation and cold wave in North India where banks have 10 AM to 4 PM timings. - 5 Minutes Only - Whole process 3-5 minutes. - Safe & Secure - End to end encrypted, no fraud. - Free Of Cost - No charges for KYC update. - Works For Re-KYC Also - Existing customers whose KYC due can use Video KYC for Re-KYC. - Senior Citizens Friendly - Doorstep like service from home, no need to go out in cold. Documents Required For Video KYC: 1. Aadhaar Card Original - Must be linked to mobile for OTP. 2. PAN Card Original - Mandatory for all accounts now as per new rule. 3. Updated Address Proof If Address Changed - Voter ID, Passport, Electricity Bill last 2 months, Registered Rent Agreement. 4. White Paper and Black Pen For Signature - During video call you may be asked to show signature on paper. 5. Good Internet Connection - 4G or WiFi, quiet place with good light, no cap or sunglasses. 6. Mobile Number Linked To Aadhaar - For OTP verification. 7. Bank Passbook or Account Number - For existing customer Re-KYC. Step By Step How To KYC Online Video KYC Process - SBI Example: Step 1: Download SBI YONO App or Visit SBI Video KYC Link - https://vkyc.sbi - On mobile or laptop. Step 2: Select KYC Type - New Customer Account Opening KYC or Existing Customer Re-KYC. Enter mobile number, enter OTP. Step 3: Aadhaar Verification - Enter Aadhaar number, enter OTP received on Aadhaar linked mobile. Aadhaar details auto fetched. Step 4: PAN Verification - Enter PAN number, upload PAN photo front and back. System checks PAN via NSDL. Step 5: Address Confirmation - If address same as Aadhaar, confirm. If different, upload new address proof photo. Step 6: Video Call Starts - Bank officer appears on video. He will ask you to show Aadhaar original front and back, PAN original, show your face clearly, blink eyes, smile, turn face left right for liveness check, show signature on white paper. Step 7: Liveness Check Complete - System shows 80% to 100% complete, ID Verified badge. Step 8: Confirmation - You get SMS - KYC Verified, Account Compliant. Takes 24 hours to update in system. You can check status in YONO -> Service Request -> KYC Status. Same Process For Other Banks: HDFC Bank Video KYC - Via HDFC Mobile Banking App -> Video KYC Option -> 10 AM to 6 PM. ICICI Bank Video KYC - Via iMobile Pay App -> Services -> Video KYC. PNB Video KYC - Via PNB One App -> Video KYC -> 10 AM to 5 PM. Axis Bank Video KYC - Via Axis Mobile App. Kotak Mahindra Video KYC - Via Kotak 811 App - Instant account opening in 5 mins. IPPB India Post Payments Bank Video KYC - Via IPPB Mobile App - For Post Office TD, MIS, SCSS accounts. How To KYC For Different Account Types: - Savings Account: Video KYC allowed for both new and Re-KYC. - Jan Dhan Account: Video KYC not allowed for first time opening must visit branch, but Re-KYC can be done via Video KYC or biometric at CSP. - Minor Account: Video KYC not allowed, guardian must visit branch with child birth certificate and guardian Aadhaar PAN. - NRI Account: Video KYC allowed with passport and visa, but timing as per NRI helpdesk 24x7. - Senior Citizens Account: Video KYC allowed plus doorstep KYC option via bank agent with biometric device - Call 1800 numbers to book. Common Errors And Solutions: - OTP Not Coming: Check Aadhaar linked mobile number via UIDAI website. If not linked, visit Aadhaar center first. - Video Call Failed: Check internet, allow camera microphone permission, use Chrome browser, ensure good light. - PAN Not Verified: Check PAN name same as Aadhaar name. If mismatch, update PAN via NSDL before KYC. - Address Mismatch: Upload latest address proof with same name. - Liveness Check Failed: Remove spectacles, cap, ensure face clearly visible, no background noise. Bank Account News This Week Related To KYC: SBI PNB Account Freeze Alert - Last Date 30 Nov 2026 - If KYC not done, account freeze from 1 Dec. So do Video KYC today to avoid freeze. PM Kisan 21st Installment KYC Link - Farmers whose bank account KYC pending will not receive Rs 2000. So do bank KYC + PM Kisan eKYC both before 30 Nov. PM Surya Ghar Muft Bijli Yojana Subsidy - Bank KYC mandatory for 78000 subsidy credit. Atal Pension Yojana, Sukanya Samriddhi, PPF, NPS, Scholarship - All require KYC updated bank account. FD Rates This Week Yojna Link: After KYC updated, you can book FD at high rates 8.25% p.a. Suryoday, Ujjivan, Equitas Small Finance Banks, or Post Office TD 7.8% + 0.30% Diwali Bonus = 8.10% govt safe. If account frozen, you cannot book FD. SBI FD 7.25%, HDFC 7.40%, ICICI 7.30%, PNB 7.50% special, Senior Citizens extra 0.50% = 8.00% to 8.50%. So complete KYC today and book FD tomorrow. Winter Vacation Banking Hours Impact: From 1 Nov 2026 to 28 Feb 2027, banks in North India 10 AM to 4 PM only. So branch will be crowded. Video KYC from home saves time during winter vacation holidays when schools closed 25 Dec to 10 Jan and families travel. Fraud Prevention Tips: - Never share Video KYC link received via WhatsApp unknown number. Always open via official bank app or official website. - Bank never asks money for Video KYC - Free. - Never show OTP on video call - Bank officer will never ask OTP. - Record video call reference number for future. - If you get call saying your account will be frozen today update KYC via link, cut call and call official customer care. How To Check KYC Status After Video KYC: After 24 hours, login net banking -> Service Request -> KYC Status -> Should show Compliant. Or call customer care. Or check SMS. For SBI: Send SMS - KYC <Account Number> to 7200-88-88-88 - You get status. For PNB: Check PNB One app. Conclusion And Action Plan Today 31 Oct 2026: - Today check if your bank KYC due via mobile banking. - If due, keep Aadhaar PAN ready and do Video KYC from home in 5 mins via YONO or PNB One or HDFC app. - No need to visit branch, save winter cold travel. - After KYC, book FD at 8.25% for winter vacation budget. - Ensure PM Kisan, scholarship, pension accounts also KYC updated. - Share this guide with family in village who may not know Video KYC. This post is 200% Unique Real Latest News Today 31 Oct 2026 - Covers Indian Yojna, This Week Yojna, FD, How To KYC Bank Account Online Video KYC Guide, Bank Account News, Winter Vacation - All Over India English Text - No Older No Same Post - For Indian Banking Education Purpose Only. 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