Know Your Customer — the mandatory one-time identity verification required before investing in any mutual fund in India.
KYC (Know Your Customer) is a regulatory requirement under the Prevention of Money Laundering Act (PMLA) mandating financial institutions to verify customer identity and address. For mutual fund investors, KYC is a one-time process — once completed, it applies across all SEBI-regulated investments.
Before your first mutual fund investment, you submit PAN and Aadhaar for verification. This is KYC. It's done once and registered centrally. After that, you can invest with any fund house, broker, or platform without repeating the process — one KYC unlocks all regulated investing in India.
Submit PAN and Aadhaar (for e-KYC) or physical address proof to any KYC Registration Agency (KRA): CAMS, KFINTECH, or CKYC.
e-KYC via Aadhaar OTP is instant and fully online; physical KYC requires document submission.
Once verified by one KRA, KYC status is shared across all KRAs — the investor is centrally KYC-compliant.
KYC must be updated if personal details change (address, contact, marital status).