How to Fill Out and Submit the Indian Bank KYC Form

To complete the Indian Bank KYC form, gather an Officially Valid Document (OVD) for identity and address, your PAN card or Form 60, and a recent photograph; fill in your personal, contact, and financial details in block letters; and submit either online through the bank’s Re-KYC portal at apps.indianbank.in/Rekyc, at any branch, or as a simple self-declaration if nothing has changed since your last update.

Which path fits you depends on what, if anything, has changed in your records. The sections below walk through the documents, the fields on the form, and each submission route.

Documents to Gather First

Indian Bank accepts a specific list of Officially Valid Documents that prove both your identity and your current address. You need one of the following, showing your name and address:

Passport, valid and unexpired
Driving licence, valid and unexpired
Aadhaar card or proof of Aadhaar number, which is the option the bank’s online portal is built around
Voter’s Identity Card issued by the Election Commission of India
NREGA job card signed by a state government officer
National Population Register letter containing your name and address

An equivalent electronic form of any of these, such as a DigiLocker copy, is equally acceptable.¹

You also need your Permanent Account Number. If you don’t have a PAN, fill out and submit Form 60, the declaration used by people conducting financial transactions without one.² Add a recent passport-sized photograph; the branch typically affixes it to the physical form and stamps it.

FATCA and CRS Self-Declaration

If you hold tax residency outside India, including US citizenship, a green card, or tax obligations in any other country, the bank requires a separate FATCA/CRS self-declaration. The form asks for your country of tax residence and your foreign Tax Identification Number. If your country does not issue TINs, explain that on the form. Report any change in tax residency status to the bank within 30 days. Failing to provide this declaration can result in the bank sharing your account information with tax authorities or, in serious cases, suspending the account.

Filling Out the Form

The physical KYC form collects personal, contact, and financial profile information. Write everything in block capitals so the data entry team can read it clearly.

Start with personal details. Enter your full legal name exactly as it appears on your OVD. A mismatch between the form and your ID is the most common reason updates get sent back. Fill in your date of birth and provide either your father’s name or spouse’s name; one of the two is mandatory. Some versions of the form also include a field for your mother’s name.

In the contact section, enter the mobile number currently registered with the bank and a valid email address. Indian Bank sends OTP verification codes and confirmation notifications through these channels, so an outdated number here will stall the process.

The financial profile section asks for your occupation type (salaried, self-employed, retired, homemaker, student, and similar) and an approximate annual income range. The bank uses this to set expected transaction patterns on the account. It’s a regulatory requirement, not an audit of your tax returns. Pick the bracket that fits.

Sign the form with the same signature you used when opening the account. If your signature has changed significantly, the branch may ask you to complete a separate signature update before processing the KYC form.

Submitting the Form

You have several submission paths depending on whether anything has actually changed and how comfortable you are with digital tools.

If Nothing Has Changed

When none of your KYC details, name, address, occupation, or identity documents, have changed since your last update, you don’t need to visit a branch or fill out the full form. The RBI allows banks to accept a simple self-declaration confirming no change, submitted through your registered email, registered mobile number, ATM, internet banking, or the bank’s mobile app.¹ This is the fastest route. Most people updating on schedule with no life changes can finish in a few minutes.

If Only Your Address Changed

For a change limited to your address, submit a self-declaration of the new address through the same digital channels. The bank then verifies the declared address through positive confirmation, such as sending a verification letter to the new address, within two months.³ You may also be asked to provide a copy of an OVD showing the new address.

Online Re-KYC Portal

Indian Bank operates a dedicated Re-KYC portal at apps.indianbank.in/Rekyc. Enter your CIF (Customer Information File) number or account number, along with the mobile number registered with the bank. The portal uses Aadhaar-based OTP authentication: you’ll receive an OTP on your Aadhaar-linked mobile number and authorize the bank to verify your details with UIDAI.⁴ After you submit, the request is forwarded to your home branch for processing, and the bank notifies you once the update is complete.

Branch Visit

For changes beyond just an address, such as a new name after marriage, a different identity document, or updated financial details, visit any Indian Bank branch with the completed form, self-attested photocopies of your OVDs, your PAN card or Form 60, and a passport-sized photograph. Self-attesting means signing each photocopy to confirm it’s a true copy of the original. Carry the originals as well; the branch officer will compare them against your copies during in-person verification.

Video KYC

The RBI also permits re-KYC through a Video-based Customer Identification Process, a live video call with an authorized bank official who verifies your identity through facial recognition and document checks. It’s treated on par with a face-to-face visit. During V-CIP, your identity can be confirmed through Aadhaar OTP-based e-KYC, offline Aadhaar verification, CKYC records, or documents from DigiLocker.¹ Check with Indian Bank’s customer service to confirm availability and schedule a session.

After You Submit

Once the bank receives your update, the request goes to your home branch for verification and system entry. The online portal confirms this explicitly, saying your request is “accepted and forwarded to the branch for updation in the system.”⁴ There’s no officially published processing timeline, but branch staff handle most straightforward updates within a few business days. You’ll receive an SMS or email once the update is recorded.

If you haven’t heard anything after a week or two, contact your branch directly. Common holdups include a signature mismatch between the form and the bank’s records, a blurry or unreadable photocopy, or a name discrepancy between the form and the submitted OVD.

When Indian Bank processes your KYC, your records are uploaded to the Central KYC Registry managed by CERSAI, which assigns you a 14-digit KYC Identification Number (KIN). When you open an account at any other bank or financial institution in India, you can provide your KIN instead of repeating the entire documentation process.⁵ Your CKYC number appears on the acknowledgment you receive after a successful update. Keep it somewhere accessible.

When Your Update Is Due

The RBI’s Master Direction on KYC assigns every bank customer a risk category that determines update frequency. Most salaried individuals and pensioners with standard savings accounts fall into the low-risk group and update once every ten years from the date the account was opened or last updated. High-risk customers update every two years, medium-risk every eight.³

For low-risk individual customers whose periodic update has already come due or is approaching, the RBI has extended the deadline: the bank must allow all transactions and complete the update within one year of the due date or by June 30, 2026, whichever is later.³ If Indian Bank has been sending you SMS or email reminders about a pending update, that extended window is what’s keeping your account active.

What Happens If You Don’t Update

Ignoring KYC reminders triggers a staged account restriction. The bank is required to send advance notice before your update falls due, followed by at least three reminders (including at least one by letter) at appropriate intervals.³

If you still don’t respond, the bank imposes a partial freeze: money can come into the account (salary credits, government payments), but you can’t withdraw or transfer funds out. Continued inaction escalates to a full freeze, no credits or debits in either direction, and unfreezing then requires completing the full KYC process at a branch with original documents. If your details haven’t changed, a self-declaration through your registered mobile number or internet banking takes a few minutes and resets the clock for your entire update cycle.

1
Reserve Bank of India. Frequently Asked Questions
2
Press Information Bureau. Income-tax Rules Amended to Provide That Bank Shall Obtain and Link PAN or Form No 60
3
Reserve Bank of India. Know Your Customer (KYC) Direction, 2016
4
Indian Bank. Online Re-KYC Portal
5
Central KYC Registry. CKYC