ICICI KYC Update: How to Update KYC in ICICI Bank Online (2026)

ICICI KYC Update: (2026 Guide)

A KYC update notification popping up the moment you log into your banking app can feel like an annoyance, but skipping it is one of the quickest ways to end up locked out of your own account. ICICI Bank runs periodic KYC reviews as part of RBI's ongoing compliance framework, and this guide walks through every way to get it done, whether you're at your laptop, on your phone, or at a branch counter.

What Is KYC Update in ICICI Bank

KYC, or Know Your Customer, is the verification process banks use to confirm who you are and where you live. ICICI Bank asks customers to refresh this information periodically, and also whenever specific triggers come up, such as:

• A change of address
• An expired identity or address document
• A periodic review cycle mandated by RBI
• A change in your registered mobile number or email
• A routine Re-KYC cycle that applies to all existing customers over time

Banks typically schedule these reviews based on account risk category, roughly every couple of years for higher-risk accounts and every five to eight years for lower-risk ones, though the exact due date will show up as a notification the moment it's your turn.

Why ICICI Bank KYC Update Matters

Skipping the icici bank kyc update isn't just a compliance box left unchecked. Here's what it actually protects:

• Fraud prevention: strict KYC processes make it harder for someone to open or misuse an account under false identity, and help guard against money laundering and terrorist financing.
• Risk profiling: updated information helps the bank understand a customer's profile and flag unusual patterns early.
• Beneficial ownership checks: for business accounts, KYC also verifies the individuals who actually control or benefit from the account, not just the account holder on paper.
• Transaction monitoring: current KYC data makes it easier for the bank to spot suspicious account activity in real time.

ICICI KYC Rules Every Customer Should Know

A few rules apply across the board for icici kyc:

• Every customer type, resident Indians, NRIs, and foreign nationals alike, must complete KYC by the due date shown on their account.
• Document requirements shift depending on account type and transaction limits, so a savings account and an NRI account may not ask for exactly the same paperwork.
• Under RBI's PML Rules, a bank cannot shut down an account purely for a pending KYC update. What it can do is restrict debit operations until the update goes through, and it must restore full account access within a few working days once you've submitted valid documents.
• ICICI Bank is obligated to notify you before restricting or suspending your account, giving you a window to act first.

Documents Required for KYC in ICICI Bank

Keep scanned or physical copies of these ready before you start:

Identity proof (any one):

• PAN card
• Aadhaar card
• Voter ID card
• Driving licence

Address proof (any one):

• Aadhaar card
• Passport
• Driving licence
• Voter ID
• NREGA job card

Additional requirements:

• A recent passport-size photograph
• FATCA/CRS declaration, if there's a change in your country of residence or it hasn't been submitted before
• For NRI accounts, valid visa or residency permit documents alongside your passport

Note that when submitting Aadhaar as a document, ICICI generally asks you to mask the first eight digits before uploading, so keep a masked copy ready rather than the full number.

How to Update ICICI Bank KYC Online

There are two main digital routes for icici kyc online updates, and both take just a few minutes if your documents are ready.

Method 1: Update ICICI KYC via iMobile Pay App

1. Log in to the iMobile Pay app using your MPIN or user ID and password.
2. Look for the KYC update notification that appears once your update is due, and tap "Document Upload."
3. Your account number will show up on screen. Select the authorisation checkbox and tap "Proceed."
4. Review your personal details, make any edits needed, upload your PAN card, and tap "Proceed."
5. Upload your address proof document and photograph, then tap "Proceed."
6. Check the auto-filled FATCA details, confirm authorisation, and tap "Proceed."
7. Fill in any remaining profile details, tick the KYC declaration box, and hit "Submit."
8. Preview everything one last time and tap "Continue" to finish.

You'll get a success message along with a Service Request (SR) number, which lets you track your KYC update status going forward.

Method 2: Update ICICI KYC Through Internet Banking

1. Log in to ICICI Bank's net banking portal using your Customer ID and IPIN.
2. If your KYC update is pending, a notification will appear on screen. Tick the authorisation box and select "Update Through Document Upload."
3. Review your personal details and upload your PAN card, editing anything that needs updating.
4. If your address has changed, tick "I want to update my address" and enter the new one. Upload your address proof and photograph either way, then tick authorisation and click "Continue."
5. Check the auto-filled FATCA details, confirm authorisation, and click "Confirm."
6. Fill in the remaining profile fields, tick the KYC declaration, and click "Confirm."
7. Preview your submission and click "Continue" to complete the process.

Alternatively, you can navigate through Customer Service > Service Requests > Update KYC (or Dashboard > Services > Service Requests > Request for Updation of Re-KYC depending on your account type) on either platform if the notification banner doesn't appear directly on your dashboard.

How to Update ICICI Bank KYC via Video Call

Video KYC is fully RBI-approved and carries the same legal standing as an in-person verification. Here's how it works:

1. Log in to your ICICI Bank net banking account or the iMobile Pay app.
2. Select the video call option on your KYC due notification. A bank officer joins the call to guide you through the process.
3. Keep your original KYC documents ready and show them clearly on camera.
4. The officer verifies your documents and signature in real time, and confirms completion once satisfied.

This route works well if you'd rather avoid a branch visit but still want a human to walk you through anything unclear.

Updating KYC by Visiting an ICICI Bank Branch

If you prefer doing this in person, or your documents need physical verification:

1. Visit your nearest ICICI Bank branch carrying all required KYC documents.
2. Collect the KYC update form from the bank and fill in your details.
3. Attach your supporting documents to the completed form and submit it at the counter.
4. The bank verifies everything, and once approved, sends a confirmation message to your registered mobile number.

Updating KYC via Email (NRI Customers Only)

NRI customers get an additional route: sending scanned copies of the signed customer information updation form along with KYC documents to ICICI Bank's official NRI email address. If nothing in your KYC details has changed, including address, passport, NRI status proof, and FATCA/CRS declaration, you can instead send a simple self-declaration email from your registered email ID stating there's no change, which completes the Re-KYC requirement without additional paperwork.

How Long Does KYC Update Take in ICICI Bank

Online submissions through iMobile Pay or net banking are generally processed quickly, often within a few working days once your documents pass verification. Branch-based or document-heavy updates can take a little longer, so it helps to submit clean, legible copies the first time rather than needing a resubmission.

What Happens If You Don't Update Your ICICI Bank KYC

Ignoring a kyc update icici notification doesn't lead to instant account closure, but it does set off a sequence of restrictions:

1. Advance notice: the bank informs you first, giving you time to act before anything is restricted.
2. Account restrictions: continued non-compliance can lead to limits on transactions, withdrawals, or other account activity.
3. Account closure: if the KYC update still doesn't happen after repeated notices, the bank may eventually close the account under RBI's PML Rules, though this is treated as a last resort after due notice, not an automatic outcome.

The good news is this entire chain is avoidable with a five-minute update through the app or net banking, well before any deadline turns urgent.

Frequently Asked Questions

Can I update KYC online in ICICI Bank?

yes. You can complete the icici bank kyc online through either the iMobile Pay app or Internet Banking. Both methods involve logging in, opening the KYC update notification, and submitting your documents through a guided form.

How do I update KYC in the ICICI Bank app?

Log in to the iMobile Pay app with your MPIN or user ID and password, tap "Document Upload" on the KYC notification, and follow the on-screen steps to upload your PAN, address proof, and photograph.

Is Video KYC as valid as visiting a branch?

Yes. Video-based Customer Identification Process (V-CIP) has been fully recognised by RBI as legally equivalent to in-person KYC.

What documents are mandatory for ICICI KYC update?

At minimum, you'll need one identity proof (commonly PAN or Aadhaar) and one address proof, along with a recent photograph. NRI and business accounts may need additional documents depending on account type.

Can ICICI Bank close my account for not updating KYC?

Not immediately. RBI rules prevent banks from closing an account solely for a pending KYC update. The bank can restrict transactions first, and closure only follows sustained non-compliance after proper notice.

How long does ICICI take to process a KYC update?

Online updates are usually processed within a few working days of successful document verification, while branch-based updates may take slightly longer.

Is KYC update mandatory for NRI accounts too?

Yes. NRIs, along with resident Indians and foreign nationals, all need to complete KYC by their due date, though NRIs get an additional email-based route for submitting documents or a no-change declaration.