How to Check KYC Status?

Last Updated: 2 Jul 2025

The Reserve Bank of India made the Know Your Customer (KYC) process mandatory in 2002 for the customers before they begin their investing journey. All the banks had to be KYC-compliant by December 31, 2005. According to the Prevention of Money Laundering Act, 2002, and the Securities Exchange Board of India-KYC Registration Agency (SEBI-KRA) Rules, 2011, it is compulsory for all market participants to follow the KYC guidelines. The main aim of KYC was curbing illegal activities such as money laundering, terror funding, bribery, and other corrupt means of accumulating money.

What is KYC?

If you need to invest money or open an account, banks or even financial institutions need to understand who you are. This is where KYC (Know Your Customer) helps, which is a process to ensure a proper check of who you are before you start the above-mentioned processes. The KYC process helps verify a customer’s identity in order to prevent illegal activities such as fraud, money laundering, or even terrorist funding, etc.

What Is KYC Status?

The KYC Status is a means to check whether the application has been denied or approved by banks or other financial institutions, confirming whether you are KYC compliant or not. This process of checking KYC status is considered complete if the identity and documents submitted have been checked and accepted by the issuing authorities. There are means to check KYC status through online portals as well. If there has ever been a doubt in your mind as to “How can I check my KYC status online?”, then read on further.

How to Check KYC Status Online?

Take help of the following steps given below to understand how to check KYC status online:

• Step 1: First, go ahead and visit any begin by visiting any KYC Registration Agency (KRA) website that is SEBI-registered.
• Step 2: Find the option to check KYC status.
• Step 3: Fill in the details that appear on the screen, entering PAN number or date of birth, name, etc. Fill in the CAPTCHA code displayed on the screen and press ‘submit’.
• Step 4: KYC status appears, determining whether it is verified, on hold or rejected.

How to Check KYC Status Using PAN?

To learn how to check KYC status using a PAN Card, the steps below explain the process:

• Step 1: Head over to the Central Depository Service Limited (CDSL) website.
• Step 2: Check the option for KYC status. It enables an option to opt for PAN KYC status.
• Step 3: Fill in PAN card number, followed by the CAPTCHA Code displayed on the screen.
• Step 4: Post submitting the details, press the ‘submit’ button.
• Step 5: The details regarding the KYC status will be made visible.

Alternative Ways to Check KYC Status

To understand in depth how to know KYC status, there are alternative methods available:

• For Bank Account: By logging into the bank website or via internet banking, it is possible to check the KYC Status by entering the account number.
• For DIN (Director Identification Number): The MCA (Ministry of Corporate Affairs) Portal proves to be helpful to check the KYC Status for DIN—by simply entering DIN and PAN details.
• For EPF (Employee Provident Fund): To check KYC Status for EPF, visit the official EPFO member portal, then log in by entering UAN and check the status immediately.

How to Interpret Your KYC Status?

The type of KYC status received can be interpreted as:

• Validated: It signifies that documents are appropriately checked and validated by the respective authorities, allowing investing or the use of other financial services to be carried out without worry.
• Registered or Verified: It signifies that documents have been accepted but not fully validated by the authority. For extra clarity, it may be a requirement to show more documents.
• Under Process: The documents are not completely checked yet, signifying that the process for this is still underway.
• On hold/ Rejected: In this particular type, the authority may be unwilling to accept the required documents. One needs to add in more details and then submit the information again.

What does it mean to be KYC compliant?

When the financial house has access to all your personal information, it can verify your credentials and monitor your transaction trail. This is called being KYC Compliant.

Advantages of Being KYC Compliant

Implementing KYC status online processes offers numerous advantages for businesses, such as:

Building Trust and Reputation

KYC helps build trust between businesses and customers by making sure that transactions are real and that people are who they say they are. This is very important for customers to feel safe. This is how the institute builds its reputation and makes long-term connections..

Management of Risk and Prevention of Fraud

Identifying and mitigating risks associated with financial transactions is where a KYC Status online proves to be instrumental. Businesses can not only detect but also prevent financial crimes involving fraudulent behaviours, money laundering, etc, by screening customers and monitoring their activities.

Regulatory Compliance

Because they have to follow KYC rules, banks and other financial organisations can avoid getting in trouble with the law. By following these rules, businesses not only avoid fines, but they also help make the economy safer.

Efficiency of Operations

Using good KYC processes makes operations more efficient by making it easier to enrol new customers and manage existing ones. Automating KYC processes improves the entire customer experience by cutting down on human work, mistakes, and the time it takes to verify customers.

Conclusion

So, before you start investing, you need to make sure you are KYC compliant, which is a necessity. You also need to pick a trusted and reliable financial partner before you put any money into anything. This is where IIFL Capital comes in as your trusted partner. Offering you not just the best Demat account along with other financial services, but to help you realise your goals they also have a lot of different investment programs that are made particularly for you.

Frequently Asked Questions

What is KYC status?

KYC status online shows how much verification is done during the KYC procedure to check a customer’s identification. This lets organisations check to see if the KYC is validated, in process, on hold, or refused, to make sure their clients are who they say they are and rules are followed. 

How to check Aadhaar eKYC status?

Aadhaar eKYC status can be found out by visiting the UIDAI website. Enter your Aadhaar number and follow the steps to reach the eKYC area. During this process, you may also need to verify your identity with a one-time password (OTP) sent to the phone number you used to sign up.

How to check UAN KYC status?

You may find out if your UAN KYC is up to date by going to the EPFO member portal. Use your UAN to log in, navigate to the KYC area, and check the status of your KYC documents that you sent in for verification.

How to check the KYC status of EPF?

With your UAN, log in to the EPFO member portal with your UAN. Then, in order to check on the status of your KYC papers, go to the KYC section.

What is bank account KYC status?

A bank account KYC status online shows whether the verification of your identity with the bank has been completed. Based on the current state of KYC compliance, it can be reflected as “KYC Registered,” “Under Process,” “On-Hold,” or “Rejected,”.

How do I verify my KYC verification?

Firstly, pay a visit to the KYC Registration Agency (KRA) website where KYC is registered. Then, enter in your PAN and captcha details to understand how to check KYC status online.

What happens if bank KYC is not updated?

In case upon checking KYC status, you find out your bank KYC is not updated, you may face account operations restrictions, which may include withdrawal limits or account freezing. Non-compliance violates regulatory requirements and can also lead to penalties for the bank.

What is KYC in banking?

Know Your Customer, or KYC, is a process to allow banks to make sure they have the information about who their clients are. The goal KYC Status Online hopes to achieve is to stop fraud and money laundering, to make it easier for banks to keep an eye on their customers as well as their money.