- Re-KYC is required for Pradhan Mantri Jan Dhan Yojana account holders to keep accounts active and follow RBI rules.
- Visit your bank branch with valid ID and address proofs or use digital/doorstep services to complete re-KYC.
- Ignoring re-KYC can lead to account freezing and loss of access to subsidies and banking services.
The government has urged Pradhan Mantri Jan Dhan Yojana (PMJDY) account holders to complete their re-KYC at the earliest to avoid service disruptions. The move comes in line with the Reserve Bank of India’s updated Know Your Customer (KYC) regulations. Officials said updating KYC details is essential to ensure that Jan Dhan accounts remain active and beneficiaries continue to receive scheme-related benefits without any interruption.
Re-KYC is needed to keep your Jan Dhan account following RBI regulations. Many accounts were opened with limited documents, and regular updates are needed to confirm your identity and address. This helps banks keep accurate records and stop fraud. If you ignore re-KYC requests, your account might be temporarily frozen, limiting your access to funds and government benefits.
Documents Needed for Re-KYC of PMJDY Account
Make sure to bring original and photocopies of valid ID and address proofs. Commonly accepted documents include:
- Aadhaar Card
- PAN Card
- Passport
- Voter ID
- Driving License
- Utility Bills (electricity, water, gas)
- Rental Agreement
- Any other government-issued document showing your address
How to Complete Your Pradhan Mantri Jan Dhan Yojana Account Re-KYC
Completing your re-KYC is easy. You can visit your bank branch or use digital or doorstep services if available. Here’s a simple guide to help you through the process.
Visiting the Bank Branch for Re-KYC
When you visit your bank branch, carry all required documents and fill out the KYC update form given by the bank. Bank staff will check your documents and update your account details. This usually takes a few working days. It’s best to visit during working hours and avoid busy times for a smoother experience.
Other Re-KYC Options: Digital and Doorstep Services
If visiting the branch is hard, see if your bank offers digital re-KYC through mobile or net banking. For this, your Aadhaar must be linked to your registered mobile number. Some banks also offer doorstep services where a representative comes to your home to collect documents and complete the process. These options make re-KYC easier, especially for senior citizens or those with mobility issues.
What Happens If You Ignore Re-KYC Notifications
Not updating your KYC details can lead to your Jan Dhan account being frozen. This means you won’t be able to withdraw money, get direct benefit transfers, or access government subsidies linked to your account. To avoid these problems, respond quickly to re-KYC reminders sent via SMS, email, or post.
Keeping your Pradhan Mantri Jan Dhan Yojana account updated with re-KYC is a simple but important step to make sure your banking services and government benefits continue without interruption. If you’ve received a re-KYC notification, act fast by visiting your bank or using available digital options.