If you’re looking to update your KYC details in your SBI account, you’ve landed on the right page. In this comprehensive guide, we explain everything about the SBI KYC Update process, including online and offline methods, required documents, and the latest guidelines. With the changes in RBI rules, updating your KYC has become easier than ever before.
What is KYC and Why is it Important?
Know Your Customer (KYC) is a mandatory process through which banks verify the identity and address of their customers. As per RBI regulations, every bank account holder must keep their KYC updated. Otherwise, they may face service restrictions.
For instance, not updating your KYC can lead to:
- Limited access to your account
- Suspension of debit card and UPI services
- Ineligibility for loans and fixed deposits
Therefore, keeping your SBI KYC updated is essential for seamless banking.
SBI KYC Update 2025: What’s New?
Recently, the Reserve Bank of India introduced several customer-friendly changes to simplify the KYC process. As a result:
- Minor changes can now be done without re-submitting all documents
- Aadhaar-based e-KYC is now widely accepted
- SBI has enabled digital KYC submission via app, web, and email
These changes significantly reduce the hassle for customers, especially senior citizens and NRIs.
Methods to Update SBI KYC in 2025
1. SBI KYC Update Online via Internet Banking
If you have access to SBI’s Internet Banking, this is one of the most convenient ways to update your KYC.
Steps:
- First, log in to SBI Internet Banking.
- Next, navigate to My Accounts & Profile > Profile > Update KYC.
- Enter your profile password when prompted.
- Then, choose your account and upload self-attested KYC documents.
- Finally, confirm with OTP sent to your registered mobile number.
💡 Processing Time: Typically, the update takes 2–5 working days.
2. SBI KYC Update via YONO App
Alternatively, you can update your KYC using the YONO SBI app, which is user-friendly and fast.
Steps:
- Open the YONO SBI app and log in.
- Go to Menu > Service Request > Update KYC.
- Enter your profile password or use biometrics.
- Upload the scanned copies of your KYC documents.
- Submit the request and confirm via OTP.
Moreover, this method doesn’t require any branch visit.
3. SBI KYC Update via Email
In case you are unable to access digital banking, SBI also allows KYC updates through email.
Steps:
- First, scan and self-attest your KYC documents.
- Then, send them from your registered email ID to your home branch’s official email.
- Don’t forget to mention your account number and purpose in the email body.
While this method is slightly slower, it is very helpful for senior citizens or customers in remote locations.
4. SBI KYC Update Offline (In-Branch)
For those who prefer in-person service, visiting the bank is still an option.
Steps:
- Visit your nearest SBI home branch.
- Fill out the KYC Update Form.
- Submit the photocopies of your KYC documents (with self-attestation).
- Carry original documents for verification.
- Collect an acknowledgment receipt after submission.
Although it may take longer, this method ensures face-to-face assistance.
SBI KYC Update via ATM
SBI has introduced a convenient method for customers to update their KYC details through SBI ATMs. This service is specifically designed for customers whose KYC information remains unchanged, whose CKYCR (Central KYC Registry) number is available with the bank, and whose KYC documents meet current standards
Eligibility Criteria for SBI ATM KYC Update
You can utilize the SBI ATM KYC update feature if:
- There are no changes in your existing KYC details.
- Your CKYCR number is already available with SBI.
- Your KYC documents comply with the current Customer Due Diligence (CDD) standards.
Step-by-Step Guide to Update KYC via SBI ATM
- Insert your SBI ATM card into the ATM machine.
- Navigate to:
Main Menu > Banking > Services > KYC Update. - A prompt will appear asking if you wish to update your KYC data with the existing Officially Valid Document (OVD). Select Yes or No accordingly.
- Enter any two digits as prompted and confirm.
- Input your ATM PIN when requested.
- Review the OVD details displayed on the screen. If correct, select Yes to proceed.
- Enter the OTP sent to your registered mobile number.
- Update income parameters and address details if required.
- Agree to the terms and conditions by selecting Yes.
- Upon successful submission, a confirmation message will be displayed, and an SMS will be sent to your registered mobile number after eligibility verification.
Important Notes
- This facility is only available for customers meeting the specified eligibility criteria.
- If there are changes in your KYC details or if your CKYCR number is not available with the bank, you will need to update your KYC through other channels such as Internet Banking, YONO app, email, or by visiting your home branch.
By utilizing the SBI ATM KYC update facility, eligible customers can conveniently ensure their KYC details are up-to-date without the need to visit a branch.
Documents Required for SBI KYC Update
Here’s a quick look at acceptable KYC documents:
| Document Type | Examples |
|---|---|
| Identity Proof | Aadhaar Card, PAN Card, Passport, Voter ID, Driving License |
| Address Proof | Aadhaar, Electricity Bill, Water Bill, Rent Agreement |
🔔 Note: PAN is mandatory for most updates involving financial transactions.
KYC Update for NRI Customers
If you are an NRI, SBI provides multiple options to update your KYC without returning to India.
Options Include:
- Sending scanned documents via registered email
- Visiting an SBI overseas branch
- Getting documents attested by the Indian Embassy or a Notary Public
Thus, even NRIs can complete their SBI KYC update without much hassle.
New RBI KYC Guidelines (2025)
The Reserve Bank of India has streamlined KYC compliance:
- Digital KYC and Video KYC are now accepted
- No need to re-submit full KYC unless there is a change in details
- Periodic KYC revalidation reminders will be sent via SMS/email
Hence, customers can now enjoy a simplified, tech-driven update process.
SBI KYC Update Form Download
You can download the official SBI KYC Update Form from this link:
👉 SBI KYC Form PDF
Once downloaded, fill in the required details, sign it, and submit it with self-attested documents.
What Happens If You Don’t Update KYC?
If you fail to update your KYC on time:
- Your account may be frozen for withdrawals or deposits
- Digital services like UPI and net banking will be deactivated
- Your credit card, loan, and investment links will be affected
Therefore, it is strongly advised to complete your SBI KYC update well before the deadline.
How to Check Your KYC Status in SBI?
To check if your KYC is updated:
- Log in to Internet Banking
- Go to e-Services > ATM Card Services > KYC Status
- Alternatively, contact your home branch or customer care
This step ensures you don’t miss any update deadlines.
SBI KYC Support: Customer Care
If you face any issues, you can contact SBI Customer Support:
- 📞 Toll-Free: 1800 1234 / 1800 2100
- 🌐 Website: https://www.onlinesbi.sbi
The customer care team will guide you step-by-step through your KYC update.
Conclusion
In conclusion, updating your KYC with SBI is no longer a tedious task. Whether you choose Internet Banking, YONO App, email, or a physical branch visit, the SBI KYC update process is now flexible and customer-friendly. More importantly, staying KYC-compliant protects your account and allows you to enjoy uninterrupted banking services.