SBI KYC Update Online: Step-by-Step Guide 2026
How to Update KYC in SBI Online
You can complete your SBI KYC update online through YONO SBI, internet banking, or by submitting documents at your home branch. The Reserve Bank of India (RBI) mandates KYC compliance for all bank accounts, and failing to update it can result in account restrictions or freezing of transactions.
SBI allows both online and offline KYC renewal. For most customers, the YONO SBI app is the fastest option.
Why KYC Update Is Required
As per RBI guidelines, banks must periodically re-verify customer identity. SBI follows a risk-based approach where high-risk accounts need updates every 2 years, medium-risk every 8 years, and low-risk every 10 years. If your KYC is due, you may see restricted transaction limits or alerts on YONO SBI.
Documents Required for KYC Update
- Aadhaar card (OTP-based e-KYC accepted)
- PAN card
- Passport-size photograph (for branch visit)
- Address proof if your address has changed
Method 1: KYC Update via YONO SBI App
- Open the YONO SBI app and log in with your MPIN or biometric.
- Go to Services and tap KYC Update.
- Select Aadhaar-based e-KYC.
- Enter your 12-digit Aadhaar number and consent to OTP verification.
- An OTP is sent to your Aadhaar-linked mobile number.
- Enter the OTP to authenticate and submit.
- You will receive a confirmation SMS once KYC is updated successfully.
Method 2: KYC Update via SBI Internet Banking
- Log in at onlinesbi.sbi with your username and password.
- Navigate to My Account and Profile then Update KYC.
- Choose e-KYC or upload scanned documents.
- Follow the on-screen prompts and submit.
Method 3: Branch Visit
If online options are unavailable, visit your home branch with original documents and filled KYC form. SBI also accepts Video KYC (V-CIP) for select customers where a bank official verifies identity via video call.
Key Takeaways
- YONO SBI app offers the fastest Aadhaar OTP-based e-KYC update.
- RBI requires KYC updates based on account risk category (every 2 to 10 years).
- Non-compliance can lead to partial account freeze by SBI.
- Keep your Aadhaar-linked mobile number active for OTP delivery.
- Video KYC (V-CIP) is available as an alternative to branch visits.
Frequently Asked Questions
Can I update SBI KYC without visiting the branch?
Yes. SBI allows Aadhaar-based e-KYC through YONO SBI app and internet banking without any branch visit.
What happens if I do not update my KYC in SBI?
SBI may restrict transactions, block internet banking access, or partially freeze your account until KYC is updated, as per RBI directives.
Is SBI KYC update free of cost?
Yes, KYC update in SBI is completely free of charge through all channels including branch, YONO, and internet banking.
How long does SBI KYC update take?
Online Aadhaar-based e-KYC is usually processed instantly. Branch submissions may take 2 to 3 working days.
Can I do SBI KYC update if my mobile number is not linked to Aadhaar?
No, for online e-KYC you need an Aadhaar-linked mobile number. If not linked, you must visit the nearest Aadhaar Seva Kendra or SBI branch for offline KYC.
