HDFC KYC Update Online: Step-by-Step Process 2026

How to Update KYC in HDFC Bank Online

HDFC Bank allows KYC update through net banking, the HDFC mobile app, or video KYC (V-CIP) without visiting the branch. RBI mandates periodic KYC re-verification, and non-compliance may result in restricted transactions. The online process takes under 10 minutes with Aadhaar-based e-KYC.

When Is HDFC KYC Update Required?

As per RBI guidelines, HDFC Bank categorizes customers by risk level. High-risk accounts require KYC update every 2 years, medium-risk every 8 years, and low-risk every 10 years. HDFC Bank notifies customers via SMS and email when their KYC is due for renewal.

Documents Required for HDFC KYC Update

• Aadhaar card (for OTP-based e-KYC)
• PAN card
• Address proof (if address has changed: utility bill, passport, or driving licence)
• Passport-size photograph (for branch visit only)

Method 1: KYC Update via HDFC Net Banking

1. Log in to netbanking.hdfcbank.com.
2. Navigate to My Profile and select KYC Update.
3. Choose e-KYC via Aadhaar OTP.
4. Enter your 12-digit Aadhaar number and provide consent.
5. OTP is sent to your Aadhaar-linked mobile number.
6. Enter OTP to authenticate and submit.
7. Confirmation is sent via SMS and email.

Method 2: KYC Update via HDFC MobileBanking App

1. Open HDFC Bank MobileBanking app and log in.
2. Go to Profile and tap Update KYC.
3. Select Aadhaar OTP verification.
4. Enter Aadhaar number, get OTP, and submit.

Method 3: Video KYC (V-CIP)

HDFC Bank offers Video Customer Identification Process (V-CIP) as an RBI-approved alternative to branch visits. Schedule a video call through the HDFC website or app. During the call, an HDFC official verifies your PAN, Aadhaar, and photograph in real time. This is particularly useful for customers in remote areas.

Key Takeaways

• HDFC e-KYC via Aadhaar OTP is available through net banking and mobile app.
• Video KYC (V-CIP) is an RBI-approved branch-less alternative.
• RBI mandates periodic KYC reviews based on account risk classification.
• Non-compliance can lead to transaction restrictions or account freeze.
• Aadhaar-linked mobile number must be active for OTP authentication.

Frequently Asked Questions

How often do I need to update KYC in HDFC Bank?

RBI’s risk-based approach means high-risk accounts need updates every 2 years, medium-risk every 8 years, and low-risk every 10 years. Most regular savings customers fall in the low to medium risk category.

What happens if I do not update HDFC KYC?

HDFC Bank may partially restrict account operations such as fund transfers, online banking, or new requests until KYC is updated, as per RBI’s KYC Master Directions.

Can I update HDFC KYC at any branch?

Yes, you can update KYC at any HDFC Bank branch in India, not just your home branch, with valid identity and address proof documents.

Is HDFC KYC update free?

Yes, KYC update is free of charge across all HDFC channels including online, video KYC, and branch.

My Aadhaar mobile number is not active. How can I update HDFC KYC?

If your Aadhaar-linked mobile number is inactive, use Video KYC (V-CIP) or visit an HDFC branch with original identity and address documents for biometric KYC.