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How to check KYC status?

3 min read

Mar 17, 2026

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In today's financial landscape, Know Your Customer (KYC) compliance has become mandatory for accessing banking services, investing in Mutual Funds, trading in stocks, or even using digital wallets. Whether you're opening a new bank account, investing in Mutual Funds, or using payment apps, verifying your KYC status is essential.

If you often wonder, 'How to check my KYC status?', you've come to the right place. Read on to find out how to check your KYC status efficiently.

What is KYC (Know Your Customer)?

KYC is a mandatory verification process implemented by financial institutions to confirm the identity of their customers. The primary objective of KYC is to ensure that deposits and investments are made by legitimate individuals, thereby preventing fraud, money laundering, identity theft, and terrorist financing activities.

In India, the KYC process is regulated by various authorities, including the Reserve Bank of India (RBI) and the Securities and Exchange Board of India (SEBI). SEBI introduced a unified KYC procedure for all registered intermediaries, including mutual fund companies, portfolio managers, stockbrokers, and venture capital funds. This standardisation eliminates the need for duplicate KYC verifications across different financial services.

The KYC process typically requires submitting identity proof and address proof. Once verified, your KYC details are stored in a centralised database maintained by KYC Registration Agencies (KRAs), which all authorised financial institutions can access.

Methods to check KYC status

'How can I check my KYC status?'

If the question is still running through your mind, don't worry. There are several reliable methods to check your KYC status. Here are the primary methods:

1. KRA websites: In India, there are five SEBI-registered KRAs where you can check your status:

CDSL Ventures Ltd (CVL).
NSDL Database Management Limited (NDML).
DotEx International Limited (DotEx).
CAMS Investor Services Private Limited.
Karvy Data Management Services Limited (now operating under NSE Data & Analytics governance due to regulatory restructuring)

2. Financial institution portals: Most banks, Mutual Fund platforms, and stockbrokers offer KYC status-checking facilities on their websites or mobile applications.

3. E-KYC verification: For those who have completed Aadhaar-based e-KYC, checking your e-KYC status online can happen via UIDAI, but eKYC status is usually displayed on your bank or financial institution platform.

4. Offline methods: You can visit your bank branch or call customer service to enquire about your KYC status.

Some banking institutions like Axis Bank offer a convenient solution to open a bank account without visiting a branch. You can open an ASAP Digital Savings Account with Axis Bank using video KYC, which allows you to complete the entire process from home using just your smartphone camera.

Step-by-step guide to checking KYC status

Here's a step-by-step guide on how to check KYC status -

Checking KYC status on KRA websites

1. Via CDSL Ventures Limited (CVL):

Visit the official CVL website (cvlkra.com).
Navigate to the "KYC Inquiry" section.
Enter your PAN card number.
Complete the captcha verification.
Click "Submit" to view your KYC status.

2. Via NSDL KRA:

Visit the NSDL KRA website.
Select the "KYC Status Enquiry" option.
Enter your PAN card number.
Complete the captcha verification.
Click "Submit" to check your status.

3. Via CAMS KRA:

Visit the CAMS KRA portal.
Look for the "Check KYC Status" option.
Input your PAN card details.
Submit the form to view your status.

Checking e-KYC status

If you're wondering how can I check my e-KYC status online, follow these steps:

1. Visit the UIDAI website or your financial institution's portal.

2. Navigate to the e-KYC verification section.

3. Enter your Aadhaar number and the OTP received on your registered mobile number.

4. Submit to view your e-KYC status.

Checking KYC status with your bank or financial institution

1. Log in to your bank's internet banking portal.

2. Navigate to the profile or KYC section.

3. Check your KYC status in the account details.

4. Alternatively, visit your bank branch with your account details and identity proof.

Also Read - Don’t settle for 'half' when you can get 'full'

Understanding KYC status results

When you check your KYC status, you might encounter various status indicators. Here's what each one means:

KYC registered/validated: Your KYC verification is complete and approved.
Under Process: Your KYC application has been received and is currently being verified. This typically takes 2-5 working days.
On-hold: Additional information or documents are required to complete your KYC verification.
Rejected: Your KYC application has been declined due to discrepancies in the submitted documents or information. Resubmit your KYC with the corrected details.
Not available: The KRA does not have your KYC details for the PAN entered. You may need to complete your KYC process.
CVL MF verified: This specific status indicates that CVL Mutual Funds has verified and registered your KYC details.

Conclusion

Knowing how to check your KYC status is essential for seamless access to financial services in India. With multiple online and offline methods available, verifying your KYC compliance has become straightforward.

Staying informed about your KYC status ensures you won't face any interruptions when accessing financial services.

Frequently Asked Questions

1. How long does it take for KYC verification to be completed?

KYC verification typically takes 2-5 working days to complete once all required documents are submitted correctly.

2. Which platforms allow me to check my KYC status?

You can check your KYC status on various platforms, including KRA websites (CVL, NSDL, CAMS, Karvy, and DotEx), bank websites, Mutual Fund platforms, stockbroker portals, and digital wallet applications.

3. Can I check my KYC status using my PAN or Aadhaar number?

While PAN is the primary identifier for KYC verification, some platforms may also allow you to check your status using your Aadhaar number, particularly for e-KYC verification. However, for security reasons, most financial institutions prefer using PAN for KYC status checks.

4. How do I check my KYC status with my bank?

To check your KYC status with your bank, log in to your internet banking portal, visit your bank branch or call the customer care helpline. Many banks also offer mobile banking apps to check your KYC status.

5. Is there a way to check my KYC status for digital wallets?

6. Can I check my KYC status offline?

Yes, you can check your KYC status offline by visiting your bank branch, Mutual Fund office, or the office of any KRA with your identity proof and PAN card. You can also call your financial institution's customer service helpline to enquire about how to check your KYC status.

Disclaimer: This article is intended solely for informational purposes. The views expressed in this article are personal. Axis Bank and/or the author shall not be liable for any direct or indirect loss or liability incurred by the reader arising from reliance on the content herein. Readers are advised to consult a qualified financial advisor before making any financial decisions. Axis Bank does not endorse or guarantee the accuracy of any third-party content or links included in this article.