{"id":55231,"date":"2026-10-13T16:00:06","date_gmt":"2026-10-13T10:30:06","guid":{"rendered":"https:\/\/www.tatacapital.com\/blog\/?p=55231"},"modified":"2026-10-13T16:00:21","modified_gmt":"2026-10-13T10:30:21","slug":"mutual-fund-kyc-process","status":"publish","type":"post","link":"https:\/\/www.tatacapital.com\/blog\/wealth-services\/mutual-fund-kyc-process\/","title":{"rendered":"Mutual Fund KYC: Process, eKYC, Status Check & Recent Guidelines\u00a0"},"content":{"rendered":"\n

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Summary: <\/strong>Mutual funds KYC process requires the address and identity verification of investors.  Online KYC is also possible as an alternative to physical processes. Upon registration with the KRA, you can easily check the KYC status and update when required. Staying up to date of the applicable validation requirements may help to maintain the compliant and accurate KYC records. <\/p>\n\n\n\n

KYC (Know Your Customer) is a mandatory procedure under SEBI where mutual fund investors have to verify by submitting their identity and address proofs. A KYC process involves the submission of certain personal and documents of investors to an authorised dealer or KYC Registration Agencies (KRAs). Online and offline KYC procedures are possible. You can complete it either by visiting authorised branches or completing the Aadhaar-based eKYC online.<\/p>\n\n\n\n

<\/a>What is KYC for Mutual Funds?<\/strong><\/h2>\n\n\n\n

KYC (Know Your Customer<\/a>) is a compulsory procedure where the investor shares personal information and documents for verification through the KYC framework. The procedure is to provide investors with information through which verification will be done.<\/p>\n\n\n\n

KYC records submitted in a SEBI-registered KYC Registration Agency (KRA) are valid across all eligible mutual fund investors and AMCs as long as the status is applicable. So, there is no change to the information and the investor details are still valid in the KRA. The investor does not need to complete the full KYC process for each fund house.<\/p>\n\n\n\n

<\/a>Who Manages MF KYC? KRAs Explained<\/strong><\/h2>\n\n\n\n

KYC Registration Agencies (KRAs) maintain KYC records of mutual fund investors and also process these KYC records. Major KRAs are CAMS KRA, CVL KRA, Fintech KRA, NSE KRA and NDML KRA. These are SEBI-registered agencies, and they hold your KYC information, which can be retrieved by your intermediaries.<\/p>\n\n\n\n

<\/a>Mutual Fund KYC Form: Documents Required<\/strong><\/h2>\n\n\n\n

To complete the mutual fund KYC form, investors should submit the documents to verify their ID and address. The exact requirements may vary based on whether the KYC is completed offline or through the online process.<\/p>\n\n\n\n

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Document\/Requirement<\/strong><\/td>Purpose<\/strong><\/td><\/tr>
KYC Form<\/strong><\/td>Collect the personal, ID, and address details<\/td><\/tr>
PAN Card<\/strong><\/td>Used for identity and tax verification<\/td><\/tr>
Address Proof<\/strong><\/td>Used for address verification of the investor through the Aadhaar passport utility bill or bank statement<\/td><\/tr>
Passport-Sized Photograph<\/strong><\/td>Required during paper-based KYC processes<\/td><\/tr>
In-Person Verification (IPV)<\/strong><\/td>Verify the investor\u2019s identity through an authorised person, if needed<\/td><\/tr>
Aadhaar & Registered Mobile<\/strong><\/td>Used for Aadhaar-linked eKYC and OTP verification<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/a>How to Do Mutual Fund KYC: Step-by-Step<\/strong><\/h2>\n\n\n\n

Mutual funds KYC process can be done offline or online. In the offline process, you need to fill the KYC form and submit the essential documents. The eligible investors can also complete online KYC through eKYC. Here is how to do KYC for a mutual fund offline by following the given steps:<\/strong><\/p>\n\n\n\n