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:
- Visit the KRA website
- Select “New KYC Registration”
- Enter PAN number, Name, Mobile, Email, and DOB
- Upload documents:
- PAN card copy
- Address proof (Aadhaar, utility bill, passport, etc.)
- Selfie or photo
- Complete OTP-based e-signing using Aadhaar
- 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:
- Download the KYC form (available on AMFI/KRA sites)
- Fill your PAN, name, address, DOB, and contact details
- Attach:
- Self-attested PAN copy
- Address proof
- Recent passport-size photo
- 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) |
