ICICI KYC Update Online: Steps for 2026
How to Update KYC in ICICI Bank Online
ICICI Bank allows KYC update through iMobile Pay, net banking, or video KYC (V-CIP) without a branch visit. As per RBI KYC Master Directions, periodic re-KYC is mandatory for all bank accounts. Online KYC via Aadhaar OTP is the fastest method and takes under 5 minutes.
Why ICICI KYC Update Is Required
The Reserve Bank of India mandates KYC re-verification to prevent money laundering and financial fraud. ICICI Bank follows a risk-based approach: high-risk accounts every 2 years, medium-risk every 8 years, and low-risk every 10 years. You receive alerts via SMS and email when your KYC renewal is due.
Documents Required
- Aadhaar card (active mobile number linked for OTP)
- PAN card
- Updated address proof (if address has changed)
Method 1: KYC Update via iMobile Pay
- Open iMobile Pay and log in with MPIN or biometric.
- Tap Services and search for KYC Update or go to Profile.
- Select Re-KYC / Aadhaar e-KYC.
- Enter your 12-digit Aadhaar number and consent to data sharing.
- An OTP is sent to your Aadhaar-linked mobile number.
- Enter OTP and submit.
- KYC update confirmation is sent via SMS.
Method 2: KYC Update via ICICI Net Banking
- Log in to icicibank.com.
- Navigate to My Profile then KYC Status.
- If KYC update is due, click Update Now.
- Choose Aadhaar OTP verification.
- Enter Aadhaar number, get OTP, and submit.
Method 3: Video KYC (V-CIP)
ICICI Bank’s Video KYC process (V-CIP) allows a bank official to verify your identity over a video call. Schedule through iMobile Pay or icicibank.com. During the call, show original PAN and Aadhaar. Video KYC is an RBI-approved alternative to physical branch visits.
Key Takeaways
- iMobile Pay offers the fastest Aadhaar OTP-based ICICI re-KYC experience.
- RBI’s KYC Master Directions make periodic KYC re-verification mandatory.
- Video KYC (V-CIP) is available as an alternative for those preferring a human-assisted process.
- Non-compliance with KYC can lead to transaction restrictions.
- Aadhaar-linked mobile must be active for OTP authentication.
Frequently Asked Questions
How do I know if my ICICI KYC is due for update?
ICICI Bank sends SMS and email alerts when KYC renewal is due. You can also check KYC status in iMobile Pay under Profile or in net banking under My Profile.
What happens if I miss ICICI KYC update deadline?
ICICI Bank may impose restrictions on transactions including fund transfers, online banking, and new service requests until KYC is updated.
Can I update ICICI KYC at any branch?
Yes. You can update KYC at any ICICI Bank branch across India with original identity and address documents, not necessarily at your home branch.
Is ICICI KYC update free?
Yes, KYC update is free through all ICICI Bank channels — iMobile Pay, net banking, video KYC, and branch.
How long does ICICI online KYC update take?
Aadhaar OTP-based e-KYC via iMobile Pay or net banking is processed instantly. Video KYC may take up to 24 hours for approval after the call.
