UCO Bank KYC Update Online: Step-by-Step Guide
UCO Bank KYC Update Online: Step-by-Step Guide
You can update your KYC with UCO Bank online through the UCO mBanking+ app or by visiting the nearest branch with valid documents. The process is straightforward and takes only a few minutes when done digitally.
Why KYC Update Matters
The Reserve Bank of India (RBI) requires all banks to periodically refresh customer KYC records. If your KYC is outdated, UCO Bank may restrict transactions on your account until the update is complete.
Documents Required for KYC Update
- Identity proof: Aadhaar card, PAN card, or passport
- Address proof: Aadhaar card, utility bill, or driving licence
- Recent passport-size photograph
- PAN card (mandatory for accounts with annual transactions above Rs 50,000)
How to Update KYC Online via UCO mBanking+
- Download and open the UCO mBanking+ app on your smartphone.
- Log in using your registered mobile number and MPIN.
- Navigate to Services and select KYC Update.
- Enter your Aadhaar number and consent to OTP-based verification.
- An OTP will be sent to your Aadhaar-linked mobile number. Enter it to authenticate.
- Review your updated details and submit.
Once submitted, UCO Bank typically processes the update within 2 to 3 working days. You will receive an SMS confirmation on your registered mobile number.
How to Update KYC at a UCO Bank Branch
- Visit your home branch during working hours (typically 10 AM to 4 PM on weekdays).
- Collect the KYC update form from the help desk or download it from the UCO Bank website.
- Fill in the form and attach self-attested copies of your identity and address proof.
- Submit the form along with originals for verification by the bank officer.
- Collect the acknowledgement slip for your records.
Video KYC Option
UCO Bank also offers Video KYC (V-CIP) for eligible customers. You can schedule a video call with a bank representative through the UCO mBanking+ app. During the call, you will need to show your original Aadhaar and PAN card to the camera.
Key Takeaways
- KYC can be updated online via UCO mBanking+ using Aadhaar OTP verification.
- Branch-based KYC requires self-attested copies of identity and address proof.
- Video KYC is available through the UCO mBanking+ app for remote completion.
- Processing typically takes 2 to 3 working days after submission.
- Outdated KYC can result in transaction restrictions on your account.
Frequently Asked Questions
Can I update UCO Bank KYC without visiting the branch?
Yes. UCO Bank allows KYC updates through the UCO mBanking+ app using Aadhaar-based OTP verification. Video KYC is also available for eligible customers who prefer a remote option.
How long does UCO Bank KYC update take?
Online and video KYC submissions are typically processed within 2 to 3 working days. Branch-based submissions may take a similar time depending on workload at the branch.
What happens if I do not update my KYC with UCO Bank?
UCO Bank can restrict or freeze your account for debit transactions if KYC is not updated within the stipulated period. You will receive prior intimation via SMS and email before any restriction is applied.
