Know Your Customer (KYC) is a mandatory process through which banks verify the identity and address of their customers. As per the guidelines issued by the Reserve Bank of India (RBI), every account holder must keep their KYC details updated from time to time. If KYC is not updated within the specified period, banks have the authority to restrict or freeze the account.

To make this process easier, State Bank of India (SBI) allows customers to update their KYC details online from home using internet banking and the YONO mobile app.

Why Is KYC Update Important in SBI?

Updating KYC on time helps customers avoid unnecessary banking disruptions. If KYC is not completed, your account may be partially or fully frozen, which means you may not be able to withdraw money, use ATM services, or issue cheques.

Apart from uninterrupted banking, regular KYC updates also strengthen account security and reduce the risk of fraud or misuse.

Key Highlights of SBI KYC Update

• Modes Available: Online via Net Banking, YONO App, or offline by visiting the bank branch
• Documents Required: Aadhaar card, Voter ID, Passport, Driving License, NREGA card, etc.
• Coverage: Once updated, KYC applies to all accounts linked with the same CIF
• Different Rules: Separate guidelines for individuals, minors, and NRI account holders

How to Update SBI KYC Online

SBI provides two convenient online methods for KYC updation—Internet Banking and the YONO App.

KYC Update Through SBI Internet Banking

Customers using SBI Net Banking can follow these steps:

1. Visit the official SBI Internet Banking website and log in using your user ID and password.
2. After logging in, click on “My Accounts & Profile.”
3. Select the “Update KYC” option from the available services.
4. Enter your profile password for security verification.
5. Choose the bank account from the dropdown menu and proceed.
6. Update the required personal details and upload the necessary documents.
7. Enter the OTP sent to your registered mobile number.
8. Submit the request. SBI will verify the details, and your KYC will be updated once approved.

KYC Update Using SBI YONO App

The YONO app makes KYC updation quick and user-friendly.

1. Open the SBI YONO app on your smartphone and log in using MPIN.
2. Tap on the menu icon and select “Service Request.”
3. Choose the “Update KYC” option.
4. Enter your profile password.
5. Fill in the updated details and upload the required documents.
6. Verify using the OTP received on your registered mobile number.
7. After submission, you will receive a confirmation message stating that KYC has been updated successfully for your CIF.

Offline SBI KYC Update Process

Customers who are not comfortable with digital banking can update their KYC by visiting the nearest SBI branch.

How to Download the KYC Form

1. Visit SBI’s official website.
2. Go to the Personal Banking section.
3. Navigate to the KYC section and download “Annexure B – KYC Updation Form for Individuals.”
4. Take a printout of the form.

Fill the form clearly using block letters and attach self-attested copies of identity and address proof. Submit the documents to the bank official for verification.

List of Required Documents

For Individual Account Holders:

• Aadhaar Card
• Voter ID
• Passport
• Driving License
• NREGA Card
• NPR-issued address certificate

For Minor Accounts:

• KYC documents of the guardian operating the account

For NRI Accounts:

• Documents attested by Indian Embassy, Notary Public, or authorized overseas officials

Timely KYC updation ensures uninterrupted banking services and protects your account from restrictions. With multiple online and offline options available, SBI has made the process simple and accessible for every customer.