Online KYC Registration: PM Kisan, SBI, PF & e-KYC Guide

In India, almost every financial service today requires KYC (Know Your Customer). From opening a bank account in SBI to receiving government benefits like PM Kisan Yojana or managing your PF (Provident Fund) account, online KYC registration is a must.

Earlier, KYC meant filling forms, attaching documents, and visiting banks or offices. Today, with the help of technology and Aadhaar authentication, the process has become paperless, instant, and online. This is called e-KYC (Electronic KYC).

In this blog, we will explain:

What is online KYC, and why is it important
Step-by-step process for PM Kisan KYC online registration
How to complete SBI online KYC registration
Process of PF KYC online registration via UAN
Common issues and solutions in e-KYC
Benefits of keeping KYC updated

By the end, you will clearly understand how to complete online KYC registration for different services without confusion.

What is KYC and e-KYC?

KYC (Know Your Customer) is a process to verify your identity using valid documents. It helps banks, government departments, and financial institutions ensure that the right person is using the service.

Types of KYC:

Offline KYC:
- Submit physical copies of Aadhaar, PAN, or other ID proofs at the branch.
- Takes more time as documents are verified manually.
Online KYC (e-KYC):
- Verification is done electronically using Aadhaar and OTP.
- No paperwork, quick approval, safe and secure.

Benefits of Online KYC:

Saves time and effort
Paperless and eco-friendly
Can be done from home using an Aadhaar-linked mobile
Required for receiving subsidies, salary credits, PF withdrawals, and more

PM Kisan KYC Online Registration

The Pradhan Mantri Kisan Samman Nidhi (PM-Kisan) is a scheme that provides ₹6,000 yearly financial support to farmers. To continue receiving the money, farmers must complete e-KYC.

Why KYC is Important for PM Kisan?

Without KYC, farmers will not receive instalments.
Helps the government verify genuine beneficiaries.
Ensures money is directly credited to the right bank account.

Steps for PM Kisan e-KYC Online:

Go to the official PM Kisan Portal
On the homepage, click on ‘e-KYC’
Enter your Aadhaar number
Submit the OTP received on the Aadhaar-linked mobile
If details match, KYC is successful

If the mobile number is not linked with Aadhaar, visit the nearest CSC (Common Service Centre) for biometric KYC.

Common Problems in PM Kisan KYC:

Aadhaar is not linked to a bank account
Wrong mobile number
Server not responding
Biometric mismatch

Solution: Update Aadhaar, link mobile number, and retry.

Online KYC Registration in SBI (State Bank of India)

SBI, like all banks, requires customers to keep their KYC updated. Without KYC, your account may be frozen or limited.

Documents Needed for SBI KYC:

Aadhaar Card
PAN Card
Passport-size photo
Address proof (if different from Aadhaar)

Methods of SBI e-KYC:

Through YONO App:
- Open YONO App → Go to “Services” → Select “Update KYC”
- Upload scanned Aadhaar/PAN → Submit
Through SBI NetBanking:
- Login to SBI NetBanking → Profile → Update KYC
- Upload Aadhaar, PAN, and photo
By Visiting Branch:
- Carry documents → Fill KYC update form → Submit at the counter

How to Check SBI KYC Status:

Call customer care (1800 1234 / 1800 2100)
Login to SBI NetBanking → Profile → View KYC status

PF KYC Online Registration (EPFO / UAN Portal)

For employees, KYC in Provident Fund (PF) accounts is very important. Without KYC, you cannot withdraw PF or transfer money.

Documents Required for PF KYC:

Aadhaar Card
PAN Card
Bank account details

Steps to Update PF KYC via UAN:

Visit EPFO UAN Portal
Log in with your UAN number and password
Go to ‘Manage’ → ‘KYC’
Add Aadhaar, PAN, and bank details → Save
The employer will approve the request
Status will change from “Pending” to “Approved”

Once approved, your PF account is fully verified and active.

Other Services Where e-KYC is Used

Online KYC is not just for PM Kisan, SBI, or PF. It is now required almost everywhere:

Mutual Funds & Demat Accounts – For investment verification
Mobile SIM cards – Airtel, Jio, and VI use Aadhaar-based e-KYC
Insurance policies – For health, term, and life insurance
DigiLocker & Government Services – For safe digital document storage

Common Issues in Online KYC Registration

Even though e-KYC is simple, users often face issues:

Aadhaar not linked with mobile → Cannot receive OTP
Name mismatch between Aadhaar and PAN → Application rejected
Slow server on government portals → Delay in registration
Bank account not linked with Aadhaar → Transaction failure

Solutions:

Link Aadhaar with mobile at the Aadhaar Seva Kendra
Update PAN details through the NSDL portal
Try again during non-peak hours
Link Aadhaar with bank account via branch/NetBanking

Benefits of Keeping KYC Updated

Keeping your KYC up to date ensures:

Hassle-free banking transactions
Timely government benefits like PM-Kisan instalments
Easy PF withdrawal and transfer
Smooth investment in mutual funds, stocks, and insurance
Safe and verified digital identity

FAQs on Online KYC Registration

Q1. Is online KYC safe?
Yes, online KYC is secure when done on official portals like SBI, EPFO, or PM-Kisan.

Q2. How long does e-KYC take?
It is usually instant, but approval in PF and bank accounts may take 1–3 days.

Q3. Can I do PM Kisan KYC without Aadhaar OTP?
No. If the mobile is not linked, visit the CSC centre for biometric KYC.

Q4. What happens if I don’t update KYC?
Your bank account may become inactive, PF withdrawal will be blocked, and PM-Kisan money will stop.

Q5. Is KYC required for all bank accounts?
Yes, KYC is compulsory for savings, current, and salary accounts.

Conclusion

Online KYC registration is now essential in India. Whether you are a farmer under PM Kisan Yojana, a bank customer in SBI or another bank, or an employee with a PF account, updating your e-KYC is mandatory.

With Aadhaar-based OTP, the process has become simple, fast, and paperless. By completing your KYC on time, you ensure uninterrupted services, timely benefits, and smooth transactions.

Always use official websites or apps for KYC to stay safe from fraud. Keep Aadhaar, PAN, and mobile number ready, and finish your KYC today!