Customer can register to DigiLocker while doing KYC process by providing Aadhaar number. Your documents like Aadhaar card and PAN card will be available in your DigiLocker account.
Online ReKYC process involves below 4 steps-
- Fetching Aadhaar details from DigiLocker
- Confirm personal details
- Live Photo Capture
- E-signature
Things to keep ready before starting Re-KYC process –
- Aadhaar Card
- Mobile number linked to Aadhaar card for OTP validation
In case your KYC is not completed in KRA, KYC Pop-up will appear after login.
Click on consent box and Proceed
Step 1 – Fetching Aadhaar details from DigiLocker
Customer will be redirected to Digilocker for fetching Aadhaar Card. Please enter Aadhaar Number, Captcha code and click on Next.
OTP will come on Aadhaar linked mobile number.
Customer need to enter Digilocker PIN. If customer is not registered on Digilocker, then complete registration.
If customer has forgot PIN, it can be reset using the birth date.
Click on box next to Aadhaar Card, select “Know Your Customer” in Purpose and Click on Allow.
PAN Name and DOB verification-
After 30st April, as per new regulation Name and DOB in ICICI Direct account has to be exactly match with PAN details.
Step 2 – Confirm Personal Details
Your Address will be fetched from Aadhaar Card. Please confirm contact details and click on Proceed. Even if current and Aadhaar address is different, customer can still proceed with Aadhaar address as we send all communications on Mobile and Email.
Step 3 – Photo Verification
Please remove Spectacles, Hats and masks and Proceed to take Selfie.
Please note, there is no Submit button. Once photo is captured, outer circle will turn Green.
Customer will be redirected to KYC pop-up after completing photo capture.
Please Note –
- Please give location access to the browser. As per regulations, customer needs to be in India to complete ReKYC.
- Please attempt ReKYC via personal laptop or mobile device. Some office laptop blocks photo capturing due to internal firewalls.
Customer can view pre-filled form and Click on Submit.
Step 4 – E-signature
Customer will be redirected to protean for e-sign.
Accept consent, enter Aadhaar number and click on “Send OTP”
Enter OTP received on Aadhaar linked mobile number. Sometimes due to slowness, there might be delay in receiving OTP.
After successful e-sign, customer will be redirected to ICICIdirect.
Please note, this pop-up will keep on coming for next 2-3 days till your KYC application is not validated by KRA. KRA generally takes 3-5 days.
Please note, KRA will send SMS and Email to validate the contact details of customers. SMS and email will have a link, customer should click on the links to validate their contact details.
Please note – In between any stage, if customer not able to continue due to technical errors. Please retry, ReKYC journey will start from where it halted last time. But ReKYC needs to be completed in 3 days.
To check the KYC status, follow these steps:
1. Visit cvlkra.com.
2. Click on KYC inquiry.
3. Enter PAN, input the captcha, and click Submit to fetch the status.
4. Once KYC verification is done, Modify Status column will show “KYC VALIDATED”
As per SEBI guidelines, KYC Registration Agencies (KRA) are responsible for verifying customer’s email and mobile updated as per their records.
Customers are required to visit their KRA website listed below and follow the on-screen instructions to validate their details.
- CVL KRA: https://validate.cvlindia.com/CVLKRAVerification_V1/
- KARVY KRA: https://www.karvykra.com/KYC_Validation/Default.aspx
- NDML KRA: https://kra.ndml.in/ClientInitiatedKYC-webApp/#/ClientinitiatedKYC
- CAMS KRA: https://camskra.com/PanDetailsUpdate.aspx
- DOTEX KRA: https://secure.icicidirect.com/customer/otherdetails
Note:
- If email and mobile details on KRA portal is mismatching with your current email and mobile, you need to update it on ICICI Direct website from General Profile page (https://secure.icicidirect.com/customer/otherdetails).
- Contact modification request will be sent to KRA, it will be processed by KRA within 72 hrs. After the KRA updates the contact details, customer needs to verify it using KRA links.
You don’t need any physical document in this process. You need to have Aadhaar card number and your mobile should be linked with Aadhaar in order to receive OTP for completing the KYC process.
Customer need to submit duly filled signed KYC form along with self-attested copy of Aadhaar card and PAN card at the nearest ICICI Direct branch.
Online Re-KYC can be completed in below 3 easy steps.
- Fetching your details from DigiLocker through Aadhaar based OTP confirmation.
- Capturing LIVE Photo
- Aadhaar based e-sign through OTP confirmation.
DigiLocker is service provided by Government where you can access your documents like Aadhaar Card, PAN card digitally. By default, all user can access Digilocker through Aadhaar number and OTP confirmation.
Customer can reset DigiLocker PIN using “I have forgot PIN” button. It can be done by confirming the Date of Birth.
Customer need to remove Spectacles/ Hat/ Mask before capturing photo. There is no submit button, customer need to stay still inside the camera circle until it turns Green. Once it turns Green, photo will be auto capture.
Customer needs to give location access to browser/ mobile app. Customer within Indian territory will be able to do online KYC process.
No, only the account holder can do the online KYC. In this process it is required to capture a LIVE photo of the account holder.
Customer need to submit signed KYC form along with signed photocopy of Aadhaar card and PAN card to nearest ICICI Direct/ ICICI Bank branch.
If customer is attempting KYC process from company’s laptop, firewalls will block the photo verification. It is advisable to do KYC from personal laptop or mobile apps.
If customer’s Name/ date of birth / Gender is different in ICICI Direct account, Aadhaar Card and PAN card, system will not allow online KYC. Customer need to submit signed KYC form along with signed photocopy of Aadhaar card and PAN card to nearest ICICI Direct branch.
It may take upto 3 days to validate your PAN at KRA. Once the same is validated, you will stop getting the pop-up at the time of login
It may take upto 3 days to validate your PAN at KRA. Once the same is validated, you will stop getting the pop-up at the time of login
Yes, you will get a pop-up to complete the KYC at the time of login to either All-in One app or Markets App.
Pop-up will only come for those account where the KYC process is required to be completed. If no pop-up is coming then it means your KYC is complete and you don’t need to re-submit the same.
The name on the PAN card can differ from the name on the Aadhaar Card. While updating the name with ICICI Direct, customer must enter name as per the latest PAN card or Name as per Income Tax Department (ITD) website.
Example:
Name on PAN card: Nishanth Anantha
Name on Aadhaar Card: Anantha Nishanth
The customer must enter the name as per the PAN card or ITD in the same order. Please note that, the name cannot be entered as Nishanth A or Anantha N. Also, customer must enter exact Date of Birth as per PAN in DD/MM/YYYY format.
You can find the Name and Date of Birth (DOB) on the PAN card as shown below:
If you do not have your latest PAN card, you can find the name and Date of Birth on Income Tax Department website. Please follow below steps:
- Login to https://www.incometax.gov.in/iec/foportal/
- Click the name on right top corner and then
- Click on My Profile.
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