Online ReKYC process involves below 4 steps-

1. Fetching Aadhaar details from DigiLocker
2. Confirm personal details
3. Live Photo Capture
4. E-signature

Things to keep ready before starting Re-KYC process –

1. Aadhaar Card
2. 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.

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”

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.

1. Fetching your details from DigiLocker through Aadhaar based OTP confirmation.
2. Capturing LIVE Photo
3. 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 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.

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:

1. Login to  https://www.incometax.gov.in/iec/foportal/
2. Click the name on right top corner and then
3. Click on My Profile.

Click on ‘Forgot MPIN’ on the NSDL mandate page. You’ll be prompted to:

a. Enter your new MPIN twice.

b. Enter the OTP received on your registered mobile.

Once verified, your MPIN will be reset.

You can easily update your 6 KYC attributes (Name, Date of Birth, Gender, Permanent Address, Mobile Number, and Email Address) online in a few simple steps:

Steps to update 6 KYC attributes:

a. Login to icicidirect.com

b. Click on the Settings menu

c. Select General Profile

d. Review your 6 KYC details — Name, Date of Birth, Gender, Permanent Address, Mobile Number, and Email Address

e. Edit or update any field if changes are required

f. Save your updated details

Alternatively, If you have not updated your 6 KYC attributes in the last 11 months, ICICI Direct will automatically show you a pop-up reminder upon login (on website or mobile app).

You can easily review and update your information using the same pop-up.

ICICI Securities requests you to update your personal details and general profile annually to meet regulatory requirements and to ensure smooth, secure, and uninterrupted service.

Here’s why this annual update is necessary:

1. Regulatory Compliance: Regulators mandate all customers to confirm or update their 6 KYC attributes (Name, Address, Email, Mobile Number, PAN, and Income) once every year. On login, you may receive a prompt showing your details — simply verify and confirm, or update if required. You can also make changes anytime via Settings → General Profile.

2. Changes in Personal Information: Over time, personal information such as address, contact details, employment status, or income range may change. Updating these ensures ICICI Securities has your latest information on record.

3. Risk Management: Outdated data can lead to failed communications or unauthorized access to accounts. Regular updates reduce such risks and enhance account security.

4. Enhanced Due Diligence: Periodic verification helps ICICI Securities comply with SEBI/KRA regulations and maintain strong compliance standards.

5. Better Customer Service: Accurate details allow ICICI Securities to offer relevant services, alerts, and recommendations suited to your profile.

6. Account Continuity: Failure to update KYC information within the stipulated time may lead to accounts being frozen, deactivated or even closure by ICICI Securities as per regulatory guidelines. Timely updation ensures uninterrupted trading and investment access.

C-KYC stands for Central KYC or Centralized KYC.

It is a centralized repository of KYC records for all financial sector customers in India.

Key highlights about C-KYC:

a. Introduced by the Government of India and regulators like SEBI, RBI, and IRDAI, to simplify and unify the KYC process across the financial sector.

b. Customers need to complete the KYC process only once with a SEBI-registered KYC Registration Agency (KRA) such as CDSL Ventures Ltd or NSDL Database Management Ltd.

c. Once completed, your KYC details are stored in a central C-KYC repository, which can be securely accessed by financial institutions (with your consent).

d. This eliminates the need to complete multiple KYC processes for different financial products or intermediaries.

e. Financial institutions can access your C-KYC records using a unique KYC identifier (usually linked to your PAN).

f. C-KYC makes the process faster, paperless, and efficient, while ensuring regulatory compliance and better data management.

g. Customers are required to periodically update their KYC information (Re-KYC) as per regulatory norms.

You can easily check your C-KYC number through your ICICI Direct:

Steps:

a. Login to www.icicidirect.com

b. Go to the Settings menu

c. Select Personal Details

You may receive a pop-up or prompt on login if your KYC needs to be updated (Re-KYC).

This is required to keep your KYC records current as per regulatory guidelines.

You will be asked to update your KYC in the following cases:

a. Your KYC status with the KRA (KYC Registration Agency) is “On Hold” or “Rejected”

b. Your Central KYC (C-KYC) is not updated in CERSAI (Central KYC Registry)

c. Your Name or Date of Birth in ICICI Securities records does not match with PAN database

d. Your Email ID or Mobile Number is not validated by the KRA

You can complete the online Re-KYC easily if you are a Resident Indian customer.

Here’s how:

Steps to update Re-KYC:

1. Enter your Aadhaar number and the captcha code

2. An OTP will be sent to your Aadhaar-linked mobile number — enter it to verify

3. Your DigiLocker account will open — enter your DigiLocker PIN

4. Review your pre-filled KYC details and update any changes if required

5. Click Proceed to continue

6. Click ‘Proceed to take selfie’ and allow camera access when prompted

7. Once your selfie is successfully captured, a green outline will appear

8. Allow location access when prompted for In-Person Verification (IPV)

9. Tick the checkboxes on the displayed form

10. Click ‘Accept and Proceed to E-sign’

11. Enter your Aadhaar number again and verify the OTP for e-signature

Once verified, your Re-KYC submission will be completed

A Service Request Number will be generated after successful submission.

Your updated details will reflect in the ICICI Direct system within 3–5 working days (tentatively).

The key requirements are having your Aadhaar card, the mobile number linked to your Aadhaar, and enabling camera/location access when prompted during the online process.

Note:

a. This process is applicable only for Resident Indian customers.

b. Non-Resident Indian (NRI) customers need to update their KYC through the offline process.

You may receive a KYC update reminder via email or WhatsApp if your KYC details are incomplete or outdated.

You will be required to update KYC in the following cases:

a. Your KYC status with KRA is “On Hold” or “Rejected”

b. Your Central KYC is not updated in the CERSAI system

c. Your Name or Date of Birth in ICICI Securities does not match with PAN records

d. Your Email ID or Mobile Number is not validated by the KRA

You can complete the Re-KYC online using the following steps:

Steps to update Re-KYC:

1. Enter your Aadhaar number and captcha code

2. Enter the OTP sent to your Aadhaar-linked mobile number

3. Login to your DigiLocker using the PIN

4. Review and update any changes to your pre-filled KYC details

5. Click ‘Proceed’ to move forward

6. Click ‘Proceed to take selfie’ and allow camera access

7. Once captured, a green outline confirms a successful selfie

8. Allow location access for In-Person Verification (IPV)

9. Select the checkboxes on the displayed form

10. Click ‘Accept and proceed to E-sign’

11. Enter your Aadhaar number again and verify with the OTP

12. Your Re-KYC will be completed after successful e-signing

A Service Request Number will be generated upon completion.

Your updated details will reflect in the ICICI Direct system within 3–5 working days (tentatively).

The key requirements are having your Aadhaar card, the mobile number linked to your Aadhaar, and enabling camera/location access when prompted during the online process.

Note:

a. Applicable only for Resident Indian customers.

b. NRI customers must complete KYC updates through the offline route.

KRA stands for KYC Registration Agency.

It is an agency registered with SEBI (Securities and Exchange Board of India) to maintain investors’ KYC records in electronic form.

Key points about KRAs:

a. KRAs are responsible for receiving, storing, safeguarding and retrieving KYC records securely.

b. Once KYC is done with any SEBI-registered intermediary, the information is shared with all other intermediaries through the KRA system — you don’t need to repeat KYC.

c. Major KRAs in India include:

d. CDSL Ventures Ltd (CVL)

e. NSDL Database Management Ltd (NDML)

f. CAMS Investor Services

g. DotEx International Ltd, etc.

h. KRAs help create a single, standardized KYC database accessible to brokers, depository participants, mutual funds, and other regulated entities.

i. This ensures efficiency, avoids duplication, and maintains consistency in customer verification across the securities market.

The KYC Registration Agencies (KRAs) assign different statuses to your KYC record based on the documents submitted and their verification outcome.

You can check your current KYC status on the CVL KRA website.

Here are the common KYC statuses and their meanings:

1. KYC Validated

a. This means your KYC has been successfully validated by the KRA.

b. You have submitted Aadhaar card as address proof, and KRA has verified your address, email ID, and mobile number.

c. You can trade and invest across all segments, including Equity, Derivatives, Commodity, and Mutual Funds.

2. KYC Registered / KYC Verified

a. This status appears if you submitted officially valid documents other than Aadhaar as address proof (e.g., Passport, Voter ID, etc.).

b. KRA has verified your PAN, name, mobile number, and email ID.

c. You can trade in Equity, Derivatives, and Commodity segments, but cannot invest in Mutual Funds until KYC is validated through Aadhaar.

3. KYC On Hold

a. This is an interim status shown when KRA is awaiting additional documents (like address proof) or information.

b. KRA usually takes up to 3 working days to review the documents.

c. Once verified, the status changes to Validated/Verified, or if issues persist, it may become Rejected.

d. While KYC is “On Hold,” you cannot trade or invest in any segment.

4. KYC Under Process

a. This indicates that your KYC documents have been received and the verification process is in progress.

b. The status will be updated to either Validated, Verified, or Rejected once processing is complete.

5. KYC Rejected

a. This status means your KYC application was rejected by the KRA.

b. Common reasons include invalid or incomplete documents, data mismatches, or non-compliance with KYC norms.

c. You will not be able to trade in any segment until your KYC is updated.

d. Please complete the Re-KYC process to change your status to KYC Validated.

Note:

It’s important to ensure that your KYC status is “KYC Validated” for seamless trading and investing.If your status is anything else, you may need to submit additional documents or complete Re-KYC as per KRA guidelines.

After you open account with ICICI Direct, ICICI Direct sends your details and documents like address proof, PAN to KRA for verification. In case, KRA is not able to verify any of your details like Email Id, Mobile no, Address proof etc. KRA puts your KYC status “On Hold” and you are restricted to trade as per regulatory guidelines. In this case, we will prompt and communicate you to complete REKYC.

After successfully completing the online KYC/Re-KYC process, it typically takes 2-3 working days for KRA to process your REKYC application.So, you can expect your KYC to be updated and reflected within 2 to 3 working days from the date of successful online submission.

If you do not see the KYC status updated within 5 working days, you can reach out to ICICI Direct support for further assistance or clarification on the status.

KYC stands for “Know Your Customer.” It is a mandatory process followed by financial institutions like banks, brokers, etc. to verify the identity and address of customers.

The main purpose of KYC is to ensure that financial systems are not misused for money laundering or terrorist financing and that the customer is genuine.

To open any financial account (like a bank, demat, or trading account), customers must complete the KYC process by submitting official identity and address proofs.

Accepted documents include:

a. PAN Card

b. Aadhaar Card

c. Passport

d. Driving License

e. Voter ID Card

f. Job Card issued by NREGA

These documents must be verified by the institution before activating the account.

KYC is an ongoing process — you may be asked to update your details periodically as per regulatory norms.

Failure to do so may lead to your account being temporarily frozen or deactivated.

For completing offline KYC with ICICI Securities, you will need to submit the following documents:

a. Duly filled KYC KRA Form

b. FATCA Declaration Form

c. Self-attested PAN card copy

d. Proof of Identity (any one):

1. Aadhaar Card

2. Passport

3. Voter ID

4. Driving License

e. Proof of Permanent Address (any one):

1. Passport

2. Voter ID

3. Driving License

4. Aadhaar Card

f. Proof of Communication Address (if different from permanent address)

g. Recent Photographs (self-attested)

Important notes:

a. All documents must be self-attested and verified by an ICICI Bank/Securities representative.

b. Forms and documents should be in color or grayscale.

c. The first 8 digits of the Aadhaar number must be masked or redacted.

You can download the offline KYC form from the ICICI Direct website at

https://www.icicidirect.com/services/customer-service/download-form

or visit the nearest ICICI Bank branch to fill and submit the form along with your documents.

For offline KYC of non-individual clients like corporates, partnerships, trusts, LLPs, societies, and AOPs with ICICI Securities, the following documents are typically required:

Please refer to the documents mentioned in KRA KYC non-individual form (https://www.icicidirect.com/mailimages/kyc_forms_non_individuals.pdf)

For Corporates:

- Certificate of Incorporation

- Memorandum & Articles of Association

- Resolution of the Board of Directors

- Authorized Signatory List with Specimen Signatures

- Proof of Identity and Address of Directors/Promoters

For Partnership Firms:

- Registration Certificate

- Partnership Deed

- Authorized Signatory List with Specimen Signatures

- Proof of Identity and Address of Partners

For Trusts:

- Trust Deed

- Authorized Signatory List with Specimen Signatures

- Proof of Identity and Address of Trustees

For Limited Liability Partnerships (LLPs):

- LLP Agreement

- Authorized Signatory List with Specimen Signatures

- Proof of Identity and Address of Partners

For Societies:

- Certificate of Registration

- Deed of Declaration/Trust Deed

- Authorized Signatory List with Specimen Signatures

- Proof of Identity and Address of Office Bearers

For Associations of Persons (AOPs):

- Deed/Rules/Agreement

- Authorized Signatory List with Specimen Signatures

- Proof of Identity and Address of Members

Please note that all the documents should be self-attested, and the KYC form, FATCA Declaration and KRA KYC - For Non Individual Annexure form should be duly filled. You can submit the completed KYC form along with the required documents at the nearest ICICI Securities branch or demat enabled ICICI bank branch(https://www.icicibank.com/find-atm-branch/demat-enabled-branches)

No, Non-Individual customers cannot complete KYC online.

Online KYC requires Aadhaar-based OTP authentication, which is only available for individual customers.

Non-individual entities must submit additional documents as part of the offline KYC process.

Please refer to the Non-Individual KRA KYC form and list of required documents here:

https://www.icicidirect.com/mailimages/kyc_forms_non_individuals.pdf

Re-KYC is the process of periodically updating and re-verifying your KYC details as per regulatory requirements.

Key points about Re-KYC with ICICI Securities:

a. It is mandatory for all existing customers at regular intervals as specified by regulators like SEBI.

b. You must re-submit or confirm your latest identity and address proofs.

c. The goal is to ensure ICICI Direct has accurate and up-to-date customer information.

d. ICICI Direct offers a fully online Re-KYC process for convenience.

Online Re-KYC steps include:

a. Fetching Aadhaar details via DigiLocker

b. Confirming personal details

c. Live photo capture

d. E-signature/OTP verification

You will need your Aadhaar number and the mobile number linked to Aadhaar to complete Re-KYC.

You can complete the process through the ICICI Direct website, mobile app, or at any ICICI Bank branch.

Failure to complete Re-KYC within the due time may lead to account restrictions or deactivation.

Re-KYC ensures your customer information is always current and compliant with regulatory guidelines.

You may be required to complete Re-KYC in the following cases:

1. Your KYC status as per KRA (KYC Registration Agency) is On Hold or Rejected.

2. Your Central KYC (CKYC) record is not updated in the CERSAI database.

3. Your Name or Date of Birth does not match with PAN site details.

4. Your Email ID or Mobile Number is not verified with KRA.

Resident Indian customers can easily update their details online.

For the online Re-KYC process, visit:

https://www.icicidirect.com/faqs/my-account/how-to-do-online-re-kyc

The 6 KYC attributes are key personal details that financial institutions like ICICI Securities must capture and keep updated as part of the Know Your Customer (KYC) process.

These attributes are:

1. Name

2. Date of Birth

3. Gender

4. Permanent Address

5. Mobile Number

6. Email Address

Keeping these details updated with us is important for the following reasons:

1. Regulatory Compliance: As per regulatory guidelines, all customers must update these 6 KYC attributes once every year. Failure to do so can result in deactivation of trading facilities in the Equity, Derivatives, and Commodity segments.

2. Identity Verification: Updated details help ICICI Securities verify your identity and prevent misuse of your account.

3. Seamless Communication: A valid mobile number and email ID ensure you receive all important alerts, statements, and updates.

4. Risk Mitigation: Outdated information can increase the risk of identity theft or unauthorized access. Regular updates help prevent these issues.

5. Enhanced Due Diligence: Periodic updates allow ICICI Securities to comply with regulatory due diligence standards.

6. Better Service Experience: With accurate details, ICICI Securities can provide personalized and efficient services suited to your needs.

Note: Failure to keep the 6 KYC attributes updated can lead to accounts being deactivated for trading by ICICI Securities as per regulatory guidelines. Regularly updating KYC ensures compliance and uninterrupted access to trading and investment services.