How-to KCRF KYC modification CAMS KFin

How to do KYC modification at CAMS or KFin (multi-field update)

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The KYC Change Request Form (KCRF) is the standardised consolidated form for modifying any combination of KYC fields. CAMS and KFin (the two largest RTAs in India) process KCRFs at scale; AMC-direct submissions also flow through CAMS/KFin as backend processors.

Using KCRF for a multi-field update avoids multiple round-trips of separate single-field requests.

Conflict-of-interest disclosure. This guide is published by WebNotes Editorial Team for informational purposes. WebNotes has no commercial relationship with CAMS, KFin, any AMC, or any KRA. No affiliate commission is earned from KYC modification services.

Step-by-step procedure

See the procedure infobox above.

When to use KCRF vs separate forms

Use KCRF whenUse single-field form when
Modifying 2+ fieldsModifying only one field
Major life change (marriage, relocation)Routine update (mobile only)
KYC refresh cycle reviewSingle discrepancy fix
In-person visit anywayOnline-only update possible

For online single-field updates (mobile, email, address with Aadhaar OTP), the dedicated forms / portals are faster.

Documents required per field

FieldDocuments
NamePAN with new name, marriage cert / deed poll, Aadhaar (recommended)
AddressOVD: passport, voter ID, latest bank statement, utility bill, Aadhaar
MobileOTP verification online; declaration offline
EmailOTP / verification link online; declaration offline
SignatureBank-attested specimen of new signature
PhotoPassport-size colour photo
PANUpdated PAN card
OccupationLatest salary slip, business proof
Income rangeSelf-declaration on the KCRF
FATCAForeign tax residency self-cert

CAMS vs KFin

AspectCAMSKFin
Coverage~70% of MF AUM~30% of MF AUM
Centres300+ across India200+ across India
Online portalmycams.camsonline.comedge360.kfintech.com
KCRF processingSame SLASame SLA

For folios at CAMS AMCs, prefer a CAMS centre. For KFin AMCs, prefer KFin. For mixed portfolios, either works, the modification cascades via the KRA regardless.

Cascade to all AMCs

Once the KRA processes the KCRF, the master record at the KRA updates. AMC folios refresh from the KRA within 1-2 working days. No separate per-AMC submission needed.

Exception: bank mandate is folio-level, not KRA-level. For bank changes, file separately at each AMC (see how-to-update-kyc-bank-mf).

See also

External references

References

  1. SEBI Master Circular for KYC dated 12 October 2023 (SEBI/HO/MIRSD/MIRSD_RTAMB/P/CIR/2023/171).
  2. SEBI (KYC Registration Agency) Regulations, 2011.
  3. AMFI Best Practice Guidelines on KCRF processing.
  4. CAMS / KFin operational manuals on KYC modification.

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