PAN Card KYC

KYC (Know Your Customer) using your PAN card is required to verify your identity for mutual funds, stock trading, insurance, and banking. You can complete PAN-based KYC both online and offline.

Online PAN KYC (e-KYC)

1. Through KRA Websites (KYC Registration Agencies)

Popular KRA platforms include:

• CAMS KRA – https://www.camsonline.com
• CVL KRA – https://www.cvlkra.com
• Karvy KRA, NSDL KRA, NDML KRA

Steps:

1. Visit the KRA website
2. Select “New KYC Registration”
3. Enter PAN number, Name, Mobile, Email, and DOB
4. Upload documents:
   • PAN card copy
   • Address proof (Aadhaar, utility bill, passport, etc.)
   • Selfie or photo
5. Complete OTP-based e-signing using Aadhaar
6. Submit – your KYC is verified within 1–3 working days

Check KYC Status

Go to https://www.cvlkra.com/ → “KYC Inquiry”
Enter your PAN to see your KYC status:

• KYC Registered – You’re good to go
• KYC Pending/In Process – Wait for completion or update it

Offline PAN KYC (Physical Form Submission)

Where to Submit:

• Mutual fund offices (like SBI MF, HDFC MF)
• Stockbrokers (like Zerodha, Upstox, ICICI Direct)
• Banks or insurance companies

Steps:

1. Download the KYC form (available on AMFI/KRA sites)
2. Fill your PAN, name, address, DOB, and contact details
3. Attach:
   • Self-attested PAN copy
   • Address proof
   • Recent passport-size photo
4. Submit in person at a KYC Point of Service (POS)

When PAN KYC Is Required

• Opening mutual fund accounts
• Starting a demat/trading account
• Investing in PMS, bonds, or insurance
• Updating bank records or doing high-value transactions

Summary: Online vs Offline

Feature	Online PAN KYC	Offline PAN KYC
Speed	1–2 days	3–5 working days
Documents	Upload + e-Sign	Submit self-attested copies
Aadhaar Needed?	Yes (for OTP e-KYC)	Not mandatory
Convenience	High (done from home)	Low (in-person visit)