KYC on WebNotes

Clients of Special Category (CSC)

Sat, 20 Jun 2026 00:00:00 +0000

Clients of Special Category (CSC) is a higher-risk client classification under India’s anti-money-laundering framework, defined in the SEBI Master Circular on AML/CFT obligations of securities market intermediaries dated 6 June 2024, that obliges a broker such as Zerodha to run enhanced due diligence on the client, the practical trigger being a mandatory income-proof and source-of-funds check at account opening or re-KYC . The classification flows from the Prevention of Money Laundering Act, 2002 and the Prevention of Money-Laundering (Maintenance of Records) Rules, 2005, which require every regulated intermediary to grade clients by money-laundering risk and apply heavier scrutiny to the riskier ones.

FATF lists and your Zerodha account

Sat, 20 Jun 2026 00:00:00 +0000

The FATF lists are the two registers of high-risk countries maintained by the Financial Action Task Force, the inter-governmental body that sets the global standards for anti-money-laundering and counter-terrorist-financing, and they decide whether a non-resident or foreign national can open or hold a Zerodha account: a resident of a country on the FATF black list cannot open an account, and a resident of a country on the FATF grey list can open one only after Zerodha’s compliance team approves it. India is a FATF member and gives the lists legal force through the Prevention of Money Laundering Act, 2002 , the PML Rules 2005, and the SEBI Master Circular on AML/CFT obligations dated 6 June 2024.

How to change the name on a Zerodha account

Sat, 20 Jun 2026 00:00:00 +0000

To change the name on your Zerodha account, you must first update the name with the Income Tax Department, because Zerodha pulls your name from ITD records linked to your PAN , not from the documents you submit. Once the PAN name is corrected, you run the re-KYC flow at account.zerodha.com, enter your ITD name when prompted, authenticate with Aadhaar , upload the supporting document and e-sign. An account modification charge of Rs 25 plus 18 per cent GST applies, and the change is updated within 72 working hours.

How to find your Zerodha account details

Sat, 20 Jun 2026 00:00:00 +0000

Your Zerodha account details live in two places: Console , the back office, holds the demat and bank numbers, and your account-opening email holds the login client ID. Open console.zerodha.com/account and you see your registered mobile number, email ID, bank account number and demat account number on one page. Click Account, then Demat, and you see the DP ID, the 8-digit BO ID and the 16-digit demat ID. The client ID you type to log in is separate: it is your Kite user ID, a 6-character code Zerodha mailed you at account opening.

How to reactivate a voluntarily deactivated Zerodha account

Sat, 20 Jun 2026 00:00:00 +0000

A Zerodha account you closed on your own request, a voluntary deactivation, cannot be reactivated; it is permanently closed, and the route back to trading is to open a fresh Zerodha account with full KYC, not to revive the old one. This is the point that trips people up, because a different situation, the dormant account , genuinely is reactivated through re-KYC. The two look similar from outside, “my account isn’t working, how do I get it back”, but the answer is opposite: a dormant account comes back through a re-KYC flow, a closed-on-request account does not come back at all.

How to recover a Zerodha account when you lost both email and mobile

Sat, 20 Jun 2026 00:00:00 +0000

If you have lost access to both your registered email and your registered mobile number at Zerodha , you recover the account by updating your contact details first, then resetting the password; you cannot reset the password until the new email and mobile are live, because every reset OTP is sent to those channels. The update runs through an e-signed account modification form and a CDSL KYC form, a support ticket, and an In-Person Verification video check. Zerodha updates the contact details within 72 working hours after successful verification, and only then can you reset the password and re-enable two-factor authentication.

How to respond when Zerodha emails asking you to re-submit documents

Sat, 20 Jun 2026 00:00:00 +0000

When Zerodha emails asking you to re-submit documents, verify the email’s sender domain first, then submit the requested documents through a support ticket at support.zerodha.com within 30 days; once valid documents are submitted the account is unblocked within 48 working hours, and if you miss the 30-day window the account is blocked until you do submit. The request is legitimate where it comes from a Zerodha domain and routes you to a ticket; it is a phishing attempt where it comes from a lookalike domain or asks for your password, OTP or a payment.

How to respond when Zerodha emails asking you to update KYC details

Sat, 20 Jun 2026 00:00:00 +0000

When Zerodha emails asking you to update your KYC details, verify the email’s sender domain first, then update the details yourself by logging in to account.zerodha.com , clicking Complete Rekyc, and working through the flow; the account reactivates within 48 working hours of completing every step. The request is legitimate where it comes from a Zerodha domain and routes you to log in and complete Re-KYC yourself; it is phishing where it comes from a lookalike domain or asks you to enter your password or OTP into a link.

How to unfreeze a Zerodha demat account frozen for an inactive mobile number

Sat, 20 Jun 2026 00:00:00 +0000

If your Zerodha demat account is frozen because your registered mobile number went inactive, you unfreeze it by updating the number at console.zerodha.com/account: click the edit icon next to your mobile number, enter a new active number, verify it via OTP, then complete the in-person verification and the Aadhaar eSign. The account unfreezes automatically within 48 working hours once Zerodha updates its records. There is no separate unfreeze request and no charge for the fix.

How to update PAN and residential status when you become an NRI

Sat, 20 Jun 2026 00:00:00 +0000

This guide walks an Indian resident who has become a Non-Resident Indian through the two-part change that must follow: updating the PAN residential status to non-resident on the Income Tax Department records, then converting the resident Zerodha account to an NRI-NRO account through a re-KYC. The same two steps run in reverse, with the residential status flipping back to resident, when an NRI returns to India and becomes a resident again.

The KRA KYC validation email and SMS explained

Sat, 20 Jun 2026 00:00:00 +0000

A KRA KYC validation email or SMS is a message from one of India’s five SEBI-registered KYC Registration Agencies, CVL, NDML, DOTEX, CAMS or KFin (formerly Karvy), reporting the status of your KYC record against your PAN and, where required, asking you to validate your registered email address or mobile number. It is sent under SEBI’s framework for validation of KYC records by KRAs, not by your broker, and the status it carries (Validated, Registered, Under Validation, On Hold or Rejected) governs whether you can transact in the securities market.

Why a Zerodha demat account gets frozen, and how to unfreeze it

Sat, 20 Jun 2026 00:00:00 +0000

A Zerodha demat account freezes for one of a defined set of reasons: incomplete or non-compliant KYC , an inoperative PAN , holding multiple demat accounts on the same PAN, mobile, email or bank, a mobile number on TRAI’s inactive list, a minor account turning major at 18, or an order from CDSL , SEBI, the Income Tax Department, the CBI or a court. The email Zerodha sends names the exact reason and the documents needed to fix it, and the fix depends entirely on which cause applies and who placed the freeze.

Why Zerodha blocks Rediffmail email IDs

Sat, 20 Jun 2026 00:00:00 +0000

Zerodha restricts Rediffmail email IDs for two documented reasons: it has observed an increase in cyberattacks targeting Rediffmail accounts, and emails it sends are frequently not delivered to Rediffmail addresses. Because every contract note, statement, OTP and alert reaches you by email, a provider that drops or bounces those messages is a compliance and security problem, not a minor inconvenience. New registrations on Rediffmail are not accepted, and existing Rediffmail accounts are blocked from resetting the Kite password by email.

Zerodha email asking for bank proof

Sat, 20 Jun 2026 00:00:00 +0000

A Zerodha email asking you to confirm your bank account by submitting bank proof is sent when the automatic penny-drop verification fails during account opening or a bank-detail change. SEBI requires every client’s bank account to be verified, and Zerodha runs that verification automatically by penny drop: a token amount is credited to the account and the bank’s registered account-holder name is read back and matched against your PAN and KYC name. When that automated match cannot complete, SEBI’s KYC rules let Zerodha accept a manual bank proof instead, so the email asks you for one.

Zerodha email: multiple accounts share the same mobile or email

Sat, 20 Jun 2026 00:00:00 +0000

A Zerodha email stating that your registered mobile number or email ID is linked to more than one trading account is a KYC-compliance notice, not a fraud alert. SEBI requires each client to hold a unique mobile number and email ID against every trading and demat account , so that exchange and broker communications, order confirmations, and one-time passwords reach a single identifiable contact. When the same number or email sits on two or more accounts, Zerodha’s records breach that requirement, and the email asks you to make the contact details unique or to declare a permitted family relationship.

Zerodha email: your registered mobile number is blocked

Sat, 20 Jun 2026 00:00:00 +0000

A Zerodha email stating that your registered mobile number is blocked means the number appears on the Telecom Regulatory Authority of India (TRAI) list of inactive or disconnected numbers. SEBI requires every demat account to carry an active mobile number so that one-time passwords and trade alerts reach only the account holder, and Zerodha sends this notice so you update the number before communications start failing. It is a security and compliance message, not a marketing email.

Aadhaar

Sun, 17 May 2026 00:00:00 +0000

Aadhaar is a 12-digit unique identification number issued to Indian residents by the Unique Identification Authority of India (UIDAI) , a statutory authority constituted under the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016, commonly called the Aadhaar Act, 2016. Aadhaar is the world’s largest biometric identity system: as of 2026, over 1.4 billion Aadhaar numbers have been issued (more than 99 per cent of the eligible Indian resident population), with the enrolment infrastructure operated through enrolment agencies and Common Service Centres across India. The Aadhaar ecosystem includes the Aadhaar e-KYC API, the Aadhaar-based e-sign framework, Aadhaar Authentication services, and AAdhaar offline-XML pathway, which together form the operational backbone for digital identity verification across Indian financial services, government welfare delivery, telecom, and other regulated sectors.

How to complete video KYC for a PPFAS investment

Sun, 17 May 2026 00:00:00 +0000

Video KYC (formally the Video-based Customer Identification Process or VCIP, under SEBI and RBI rules) is the alternative to Aadhaar e-KYC for opening a PPFAS Mutual Fund investor account. You take this route when the Aadhaar-linked mobile number is inactive, when you do not have Aadhaar, or when you prefer not to route the KYC through UIDAI. The session itself takes 10-15 minutes on a scheduled call; activation comes 2-3 business days later. The end state is the same SelfInvest account, capable of transacting in all seven PPFAS schemes.

Video KYC (Video-based Customer Identification Process) in India

Sun, 17 May 2026 00:00:00 +0000

Video KYC, formally known as Video-based Customer Identification Process (VCIP), is a SEBI-and-RBI-permitted KYC mechanism in India that uses a real-time video call between a customer and an authorised representative to verify identity and complete the Know Your Customer (KYC) process. VCIP was introduced as an alternative to physical-document-based KYC and as a complement to Aadhaar -based e-KYC, particularly relevant for customers without active Aadhaar-linked mobile numbers, NRIs, foreign citizens, or customers preferring not to use Aadhaar OTP-based verification. The framework was formalised through SEBI Circular SEBI/HO/MIRSD/DOP/CIR/P/2020/73 dated 24 April 2020 and aligned RBI guidelines.

How to fix a stuck 'pending verification' on Zerodha KYC

Tue, 12 May 2026 00:00:00 +0000

After submitting documents for a new Zerodha account, some applicants find their KYC status stuck on “Pending Verification” for longer than the normal 2 to 5 business-day window. In some cases, the application is silently rejected and the status never updates to “Rejected” in the portal.

Understanding the KYC pipeline, which involves Zerodha’s internal team, CKYC (Central KYC Registry), and UIDAI’s DigiLocker, helps identify where the delay has occurred and what action to take.