Demat Account KYC: How to Update, Link Aadhaar and Change Details

16 Jun 2026|

10 min read |

by ICICI Securities Team

A demat account needs updated KYC details for smooth investing, compliance, alerts, and access to transactions. If your address, mobile number, email ID, Aadhaar details, PAN record, or name has changed, you should update your records to avoid access issues later. Investors may also need to update their KYC details after marriage, divorce, a spelling correction, a legal name change, or a mismatch between the PAN and Aadhaar records. This guide explains the KYC update process for demat accounts step by step:

What is KYC in a Demat Account?

KYC, or Know Your Customer, is the process through which a Depository Participant, broker or securities market intermediary verifies an investor’s identity, address, and key personal details before allowing an investor to fully operate a demat and trading account.

For demat accounts, KYC records may also be linked to CKYC, or Central Know Your Customer. CKYC is a centralised KYC system in India where verified customer records are stored securely. Once a customer is successfully registered in the CKYC registry, a unique 14-digit KYC Identifier (CKYC number) is assigned, which can be used by participating financial institutions to reduce the need for repeated KYC document submissions. Investors can also check their CKYC status using their PAN or CKYC number through the CKYC registry or relevant KRA platforms, making it easier to verify KYC records and update account information when required.

KYC vs Re-KYC

KYC is usually completed when you open the account. Re-KYC, or a KYC update, is carried out when your details change, when regulatory requirements require revalidation of your records, or when your broker or intermediary asks you to reconfirm your information.

Why KYC Updates Matter

Reason	Why It Matters
Regulatory compliance	Securities market intermediaries are required to maintain updated investor records in accordance with regulatory requirements.
Account security	Correct mobile numbers and email IDs support OTP delivery, alerts, and account verification.
Smooth transactions	Incorrect details may affect account access, service requests, and transactions.
Accurate investor records	Name, PAN, Aadhaar, and bank account details should remain accurate and consistent across records.

NSDL states that KYC attributes such as name, address, PAN details, mobile number, email ID, and income range are mandatory. Failure to update or validate mandatory KYC attributes may result in restrictions on account operations, including the account being frozen for debit transactions, in accordance with applicable regulatory requirements.

What Details Are Covered Under Demat Account KYC?

Demat account KYC covers identity, contact, tax, and financial details. These records should be consistent with your official documents.

Key KYC Details in a Demat Account

KYC Detail	What It Means
Name	Investor's name as per PAN and other official records.
Date of birth	Must match PAN and supporting documents.
Gender	Used for identity verification.
Permanent address	Investor’s registered address.
Mobile number	Used for OTPs, alerts, and KYC/KRA-related verification.
Email ID	Used for statements, transaction confirmations, and regulatory communications.
PAN	Key tax and securities market identifier.
Aadhaar	May be used for e-KYC, DigiLocker-based document retrieval, and OTP-based verification.
Bank details	Used for funds transfer and payouts.
Income range	Used for risk assessment, regulatory compliance, and investor profiling.

When Should You Update KYC in a Demat Account?

Do not wait for a failed transaction or verification issue to update your KYC details. If any official information changes, start the demat account KYC update process promptly.

You Changed Your Mobile Number or Email ID

Your registered mobile number and email ID are used for OTPs, alerts, statements, and KYC/KRA-related validation. If these details are outdated, you may miss important communications or face verification issues.

Your Address Has Changed

Address updates usually require valid proof of address. Common documents include Aadhaar, passport, voter ID or driving licence, depending on what your DP accepts.

Your Name Has Changed

A name change may occur after marriage, divorce, a spelling correction, a legal name change, or a change in the order of the first name and surname. This often requires more supporting documentation than a contact detail update.

Your PAN, Aadhaar or DOB Details Do Not Match

Online KYC verification may fail when your name, date of birth, or gender differs across your broker's records, PAN records, and Aadhaar records. In such cases, you may need to correct the source document or submit signed forms with supporting proof.

You Receive a KYC or Re-KYC Prompt

You may see a prompt after logging in, or receive a request from a KRA, broker, or depository participant to validate your mobile number and email ID. Complete it promptly, as pending validation may result in restrictions on certain account activities or services.

Documents Required for Demat Account KYC Update

Document requirements may vary by broker or Depository Participant (DP). Keep clear copies ready before starting any demat account modification request.

Documents for Online KYC Update

Requirement	Purpose
PAN	Identity and tax verification.
Aadhaar	DigiLocker-based document retrieval, e-KYC, or address verification.
Aadhaar-linked mobile number	OTP-based authentication and verification.
Live photo	Used for online In-Person Verification (IPV) through digital capture.
Bank proof or cancelled cheque	Bank account verification, where required.
Updated address proof	Required if the address has changed.

Documents for Offline KYC Update

For offline KYC, you may need a KYC form prescribed by the KRA, broker, or DP, FATCA declaration, self-attested PAN copy, proof of identity, proof of permanent address, communication address proof if different, and recent self-attested photographs. If you submit an Aadhaar copy, provide a Masked Aadhaar or follow the document-submission requirements specified by your broker, DP, or KRA.

How to Update KYC in Demat Account Online

If you are wondering how to update KYC in a demat account, the process is usually straightforward when your PAN, Aadhaar, mobile number, and email ID records are consistent.

Step 1: Log in to Your Demat or Trading Account

Use only the official website or app of your broker or DP. Avoid unknown links. After logging in, check whether a KYC, Re-KYC, or profile update prompt is visible.

Step 2: Go to the Account Profile or KYC Update Section

Open the account profile, service request, or KYC section. The wording may differ by platform. Review existing details before changing anything.

Step 3: Review the KYC Attributes

Check your name, date of birth, gender, address, mobile number, and email ID. Some platforms allow online editing of selected attributes after confirmation.

Step 4: Submit or Verify Updated Details

Minor changes, such as updates to an email ID, may be completed directly online. Other changes may go for DP or KRA verification. Keep the acknowledgement or reference number, if one is generated.

Step 5: Complete Aadhaar-Based Verification, If Prompted

Some Re-KYC processes use DigiLocker to retrieve Aadhaar-linked information. You may need your Aadhaar number, DigiLocker access and OTP sent to the Aadhaar-linked mobile number.

Step 6: Complete Live Photo Capture and E-Sign

Live photo capture confirms the applicant's presence. E-sign may use Aadhaar-based OTP authentication to digitally sign the KYC form. Use stable internet and good lighting.

Step 7: Wait for KRA Validation

Validation is not always instant. Depending on the intermediary and the type of update requested, KRA verification and record updates may take a few working days to complete.

How to Change Name in Demat Account

Changing the name in a demat account requires careful verification, as the updated name must match your legal, PAN, and tax records. Before applying for a name change, investors should review their PAN records and ensure that the details are accurate and up to date.

When Do You Need to Change Your Name in a Demat Account?

Scenario	Example
Marriage	Change of surname after marriage.
Divorce	Reverting to the previous name.
Legal name change	Name change supported by a gazette notification or other legal documentation.
Spelling correction	Correction of a minor spelling mismatch between PAN and demat account records.
Order mismatch	The order of the first name and surname differs across documents.

First, Ensure Your Name Is Exactly as Shown in PAN Records

Treat PAN as the primary reference for securities market KYC. Ensure that your name and date of birth exactly match the details recorded in your PAN records. If the details in your PAN records are incorrect, update your PAN records before requesting a name change in your demat account.

Documents Required to Change Name in Demat Account

Reason for Name Change	Documents Usually Required
Marriage	Name change request form, updated PAN records, marriage certificate, and any additional identity proof required by the broker or DP. Aadhaar, passport, or a gazette notification may be required in certain cases.
Divorce	Name change request form, updated PAN records, divorce decree (where applicable), and identity proof reflecting the updated name.
Legal name change	Gazette notification or other legally accepted name-change document, updated PAN records, and identity proof reflecting the new name.
Spelling correction	PAN, Aadhaar, passport, or voter ID showing the correct name, along with a correction request form.
PAN mismatch	Determine whether the discrepancy exists in the PAN records or the demat account records. If the PAN records are incorrect, update them first before requesting a demat account correction.

Step-by-Step Name Change Process

A demat account name change usually requires an Account Modification Form or a KYC modification form. Some brokers may accept scanned copies for initial review, but major changes are often handled offline.

Steps to Change Name in Demat Account

Download the Account Modification Form or KYC form from your DP’s website.
Fill in the new name exactly as it appears in the updated PAN records.
Attach self-attested proof, such as a marriage certificate, divorce decree or gazette notification.
Attach the updated PAN and any identity or supporting documents required by the DP, such as a masked Aadhaar, passport, or other accepted proof reflecting the updated name.
Submit the form through the channel specified by the broker or DP, such as a branch office, head office, courier address.
Wait for document verification and confirmation of the updated records.

How to Update Demat KYC Offline

Offline KYC updates may be useful when online verification is unavailable, fails, or when certain changes require manual review.

When Offline KYC May Be Needed

Situation	Why Offline Route May Be Required
Frozen account	An offline process may be needed to reactivate it.
PAN and Aadhaar mismatch	Online e-sign may fail.
Aadhaar mobile not linked	OTP cannot be completed.
Major name change	Supporting documents need manual review.
Non-individual account	The online journey may not be available.
Technical failure	Branch or DP support may be needed.

Offline Process

To update demat KYC offline, obtain the KYC Modification Form from your DP, fill in the updated details, and submit it along with the required self-attested supporting documents. In-person verification may be required.

Steps to Update Demat KYC Offline

Download the KYC Details Update Form or collect it from your DP.
Fill in the form as instructed by your DP, using the format specified in the form or as per your DP’s requirements.
Mention the exact details that need correction.
Attach self-attested PAN and any supporting documents required for the specific update, such as address proof where applicable.
Paste a recent photograph and sign where required.
Submit the form at a branch office or through any submission channel approved by your broker or DP.
Track the request until confirmation.

Required Documents

Duly filled and signed KYC update form.
Self-attested copy of the PAN card.
Self-attested address proof, such as a Masked Aadhaar, voter ID card, passport, or driving licence.
Recent photograph.
Additional supporting documents for name, bank account, or address changes, if required.

Common Demat KYC Problems and How to Fix Them

KYC issues are common, but most can be corrected by checking the source record first.

PAN Name and Demat Name Do Not Match

Check if the spelling, initials, and order of your name exactly matches your PAN records. If the demat account records are incorrect, submit a correction request. If the PAN records are incorrect, update the PAN records first.

Aadhaar OTP Is Not Received

This can happen if your mobile number is not linked to Aadhaar, there is a network delay, or you are checking a different number from the one registered with Aadhaar. Retry after some time, verify your Aadhaar-linked mobile number, or use the offline process if the issue persists.

Email or Mobile Is Not Verified at KRA

KRAs verify the email ID and mobile number recorded in their systems. If those details do not match your current contact information, update them through your broker or DP and then complete the required verification process.

KYC Status Still Shows Pending After Submission

KRA or DP validation may take a few days. Wait for confirmation, check your email and SMS, and contact your DP if the status does not change after the expected timeline.

Name Change Request Is Rejected

Reason	What to Do
PAN not updated	Update the PAN records first and then re-submit the request.
Missing proof	Submit the marriage certificate, divorce decree, gazette notification, or other required supporting document, as applicable.
Aadhaar/PAN mismatch	Identify which record contains the error and correct the relevant Aadhaar or PAN record before reapplying.
Form not signed properly	Re-submit the form and supporting documents with the required signatures.
Aadhaar not masked	Submit a masked Aadhaar copy if required.

How Aadhaar Is Used in Demat Account KYC

Aadhaar for e-KYC and DigiLocker Verification

During Re-KYC, Aadhaar details may be fetched from DigiLocker with your consent. This allows the platform to use verified identity and address data in the online KYC flow.

Aadhaar-Linked Mobile Number for OTP

An Aadhaar-linked mobile number is important for OTP-based authentication. Without it, online e-KYC may not move ahead, and your broker may ask you to submit forms offline.

Aadhaar and PAN Details Should Match Where Required

Your name, date of birth and gender should be consistent across PAN, Aadhaar and demat records. Even a small order mismatch can delay verification.

How to Use Aadhaar in Online Re-KYC

Log in to your account.
Start the Re-KYC journey if prompted.
Allow Aadhaar details to be fetched from DigiLocker.
Enter the OTP received on your Aadhaar-linked mobile number.
Confirm personal details.
Complete live photo capture.
Complete Aadhaar OTP-based e-sign.
Wait for KRA validation.

Conclusion

Demat KYC updates are important for accurate records, smooth transactions, and account security. Before starting an online KYC update or a name change request, keep your PAN, Aadhaar, mobile number, email ID, and address details consistent across official records. A careful update today can prevent avoidable delays later.

Frequently Asked Questions

How to update KYC in demat account online?

Log in to your broker or DP account, open the profile or KYC update section, review details, edit allowed fields, submit documents if required, complete Aadhaar OTP, live photo and e-sign if prompted, and wait for validation.

How to link Aadhaar Card with demat account?

Aadhaar is commonly used for DigiLocker-based verification, OTP authentication, and e-sign. If your broker or DP offers Aadhaar-based Re-KYC, follow the on-screen process to retrieve Aadhaar-linked information, verify the OTP, and complete the required verification steps.

How to change name in demat account?

Check your PAN name first. Then submit the Account Modification Form with updated PAN and proof such as marriage certificate, divorce decree, gazette notification or identity proof.

Can I update my demat KYC without an Aadhaar-linked mobile number?

Online Aadhaar OTP may not work without an Aadhaar-linked mobile number. You may need signed KYC forms and self-attested documents offline.

How long does demat KYC update take?

Online changes may be faster, but KRA or DP validation can take a few working days, depending on the type of update and verification requirements.

What happens if KYC is not updated in a demat account?

Your account may face operational restrictions. Failure to update or validate mandatory KYC attributes may result in limitations on certain account activities, including restrictions on debit transactions.

How can I check my demat account KYC status online?

Log in to your broker or DP account and check the KYC or profile section. You can also check your KYC status on the CKYC or relevant KRA website by entering your PAN and following the instructions shown.