Guide
KYC is the one-time identity check you must clear before investing in any Indian mutual fund. Here's how it works.
KYC (Know Your Customer) is a regulator-mandated verification of your identity and address. It exists to prevent fraud and money laundering, and it applies across the financial system, not just mutual funds.
The important practical point: KYC is a one-time, portable process. Once you're KYC-verified, that status works across all fund houses and platforms — you don't repeat it for each new fund.
The core documents are your PAN card (mandatory for mutual fund investing), proof of identity and address (Aadhaar is commonly used and covers both), a passport-size photograph, and a cancelled cheque or bank statement to establish your bank account.
For the online route, you'll usually need digital copies or a webcam for a short video verification. Exact requirements can vary slightly by platform.
Most investors now complete KYC online. You enter your PAN and personal details, upload or fetch your Aadhaar-linked information, and complete an in-person verification step — often a short video or an OTP-based Aadhaar authentication.
Aadhaar-based eKYC can be near-instant, though some methods carry investment limits that a full KYC removes. Platforms explain which method they use.
You can also complete KYC by submitting a physical form with self-attested document copies to a fund house, registrar (such as CAMS or KFintech), or distributor. This takes longer to process but is an option if you prefer it or hit an online snag.
You can check your KYC status on a KYC registration agency's website using your PAN. If your address or other details change, you file a KYC modification — again, once, and it propagates across fund houses.
This is general information, not advice. Follow the specific instructions of your chosen platform, and consult a SEBI-registered adviser for guidance on investing itself.
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