How-to DigiLocker Zerodha re-KYC Aadhaar KYC update address update PAN

How to update KYC using DigiLocker for Zerodha re-KYC

From WebNotes, a public knowledge base. Last updated 20 June 2026. Reading time ~9 min.

Key facts

Time required	About 5 to 10 minutes for the DigiLocker refresh; re-KYC verification can take up to 72 working hours
Cost	Free online; an offline account modification at Zerodha costs Rs 25 plus 18 per cent GST
What you need	A DigiLocker account, Aadhaar linked to your mobile, and your PAN and Aadhaar already updated at source
What DigiLocker updates	It refreshes the Aadhaar document copy so the latest UIDAI data (including address) is fetched into KYC
What DigiLocker cannot update	It does not change your Aadhaar or PAN data itself; those are updated at UIDAI and the Income Tax Department, and refreshing DigiLocker does not update KYC with Zerodha by itself
Mandatory next step	A separate Zerodha re-KYC submission is required to push the refreshed data to the KRA

Procedure

Update Aadhaar or PAN at source first if the data is wrongDigiLocker only mirrors source data. If your address or details are outdated, update Aadhaar at UIDAI (uidai.gov.in) and PAN at the Income Tax Department before refreshing DigiLocker, or the old data will be fetched again.
Sign in to DigiLockerVisit digilocker.gov.in/home and sign in with your mobile number and DigiLocker PIN or Aadhaar OTP.
Open Issued DocumentsClick Issued Documents to see the Aadhaar and PAN already pulled into your DigiLocker.
Refresh the Aadhaar documentClick the three-dot menu under the Aadhaar card, click Refresh, accept the consent, click Update, enter the OTP, and click Update again so the latest UIDAI data is pulled in.
Start the re-KYC in Zerodha ConsoleLog in to console.zerodha.com. If a re-KYC is due, a banner appears on the dashboard. Open it and proceed to the DigiLocker fetch step.
Select both PAN and Aadhaar in the DigiLocker fetchIn the Zerodha DigiLocker step, select both PAN and Aadhaar so Zerodha can match the PAN name against ITD records, match the Aadhaar photo to your IPV, and pull the Aadhaar address into KYC.
Review and e-sign the updated KYC formReview the prefilled KYC form, then authenticate with an Aadhaar OTP to e-sign it electronically and submit.
Wait for KRA validationZerodha files the refreshed KYC with the KRA. Online changes typically reflect within a few working days; an offline modification updates within 72 working hours.

You update KYC through DigiLocker for Zerodha by refreshing your Aadhaar document in DigiLocker so the latest UIDAI data, including your address, is the version Zerodha pulls in, and then running a re-KYC in Console that fetches PAN and Aadhaar from DigiLocker. The DigiLocker step on its own does not change your Aadhaar or PAN data, and it does not update your KYC with Zerodha; it only ensures the document Zerodha fetches is current. The actual update to your securities-market KYC happens when the re-KYC is submitted and filed with the KRA .

This is the most misunderstood part of the flow. People refresh their Aadhaar in DigiLocker, see the new address there, and assume their broker now has it. They do not. Zerodha says it plainly: updating the KYC on DigiLocker will not update the KYC with Zerodha; a separate re-KYC is required. This guide walks the refresh, the Zerodha re-KYC fetch, and draws the precise line between what DigiLocker can do (mirror the latest source document) and what it cannot (edit your Aadhaar or PAN, or push the change to your broker by itself).

Conflict-of-interest disclosure. This guide is published by the WebNotes Editorial Team for informational purposes and is written independently. WebNotes operates a Zerodha account-opening referral programme, disclosed on the pages that carry the referral link; this guide does not carry it and earns no referral commission from the procedure described here.

Step-by-step procedure

The numbered Procedure box at the top of this guide gives the sequence. The H3 subsections below expand the parts that catch people out: updating at source first, the DigiLocker fetch in Zerodha, and the offline fallback.

1. Update Aadhaar or PAN at source first

DigiLocker mirrors source data; it does not hold an editable copy. If the thing that changed is your address or your name, fix it at the source before you touch DigiLocker, or DigiLocker will simply pull the old data again. Update Aadhaar at UIDAI (online address update, or at an Aadhaar centre) and PAN at the Income Tax Department. Only after the source reflects the change does refreshing DigiLocker fetch the new version.

Go to digilocker.gov.in/home and sign in with your mobile number and DigiLocker PIN, or with an Aadhaar OTP. Click “Issued Documents” to see the Aadhaar and PAN already linked into your locker.

3. Refresh the Aadhaar document

Click the three-dot menu under the Aadhaar card, then “Refresh”. Accept the consent, click “Update”, enter the OTP sent to your Aadhaar-linked mobile, and click “Update” again. This re-fetches the digitally signed Aadhaar from UIDAI so the version in DigiLocker carries your current data. Note that this refreshes the document copy; it does not edit your Aadhaar, and it does not, by itself, tell Zerodha anything.

4. Start the re-KYC in Zerodha Console

Log in to Console at console.zerodha.com. If a re-KYC is due, a banner appears on the dashboard with a link into the flow. Open it and proceed to the DigiLocker fetch step. If no banner appears but you need to update particulars, use the relevant account-modification flow (see how to update your address with the Zerodha KRA ).

5. Select both PAN and Aadhaar in the DigiLocker fetch

In the Zerodha DigiLocker step, select both PAN and Aadhaar, not one. Zerodha collects both through DigiLocker so it can match the name on your PAN against Income Tax Department records, match the Aadhaar photo against your in-person verification capture, and pull the Aadhaar address into your KYC record. Selecting only one returns an error. Both documents must be present and updated in DigiLocker for the fetch to complete.

6. Review and e-sign the updated KYC form

Zerodha prefills the KYC form from the fetched documents. Review every field, then authenticate with an Aadhaar OTP to e-sign the form electronically and submit. The Aadhaar-based authentication is limited-information sharing that behaves like physical KYC; Zerodha receives only the listed fields needed to complete KYC online.

7. Wait for KRA validation

Zerodha files the refreshed KYC with the KRA, which re-verifies the changed particulars against the issuing source and updates your status. Online changes typically reflect within a few working days. An offline account modification, by contrast, updates within 72 working hours of Zerodha receiving the form.

What DigiLocker can and cannot update

This is the line to hold, because most re-KYC confusion lives here.

DigiLocker can supply Zerodha with the digitally signed, verified copies of your Aadhaar and PAN, and it can refresh the Aadhaar copy so the latest UIDAI data (including a changed address) is the version that gets fetched. That refreshed Aadhaar address is what flows into your KYC when Zerodha reads it during re-KYC.

DigiLocker cannot change the data inside your Aadhaar or PAN. To update Aadhaar you go to UIDAI; to update PAN you go to the Income Tax Department. DigiLocker only reflects what those authorities hold. And critically, refreshing a document in DigiLocker does not update your KYC with Zerodha. DigiLocker does not sync to your broker. The change reaches your Zerodha KYC, and through it the KRA and the central CKYC registry, only when you complete the re-KYC submission that fetches the refreshed document.

Task	DigiLocker	Where it is actually done
Change Aadhaar address or details	Cannot	UIDAI (uidai.gov.in or an Aadhaar centre)
Change PAN details	Cannot	Income Tax Department
Refresh the Aadhaar document copy	Can	DigiLocker (Issued Documents, Refresh)
Update KYC with Zerodha	Cannot, on its own	Zerodha re-KYC, which fetches the document and files with the KRA

The offline route when DigiLocker will not work

DigiLocker and the online fetch depend on an Aadhaar OTP, so they fail when your Aadhaar is not linked to your mobile, and the online address change is not available for joint or NRI accounts. In those cases use Zerodha’s offline account modification: fill the account modification or KYC form (PDF) and send a self-attested copy of an officially valid document as address proof, a driving licence, voter ID, passport or Aadhaar (use the masked Aadhaar if submitting Aadhaar). An account modification charge of Rs 25 plus 18 per cent GST applies, and the change is updated within 72 working hours. NRI and non-individual account holders send physical documents only when the address needs updating, completed before the online reactivation.

After the update, confirm the result by checking your KRA status (see how to check your KYC status on Zerodha ); a successful re-KYC should move the record to Validated.

What can go wrong

Refreshing DigiLocker and assuming Zerodha is updated: it is not. Updating KYC on DigiLocker does not update KYC with Zerodha. You must complete a separate re-KYC.
Old data fetched again: DigiLocker mirrors the source. Update Aadhaar at UIDAI or PAN at the ITD first, then refresh DigiLocker, or the stale data returns.
Selecting only PAN or only Aadhaar: the Zerodha DigiLocker step needs both selected, or it errors. Ensure both are present and updated in DigiLocker.
Aadhaar not linked to mobile: the OTP-based fetch fails. Use the offline modification route (Rs 25 plus 18 per cent GST), or link Aadhaar to your mobile at an Aadhaar centre first.
Name or DOB mismatch across PAN and Aadhaar: linking via DigiLocker fails. Correct the mismatch at source before the fetch.
Joint or NRI account: the online DigiLocker address change is not available; submit physical documents through the offline route before reactivating.

External references

References

SEBI circular SEBI/HO/MIRSD/SECFATF/P/CIR/2024/41 dated 14 May 2024 (KYC validation framework requiring Aadhaar source validation for KYC Validated status).
Zerodha support, How to update KYC details on DigiLocker (refreshing the Aadhaar document does not update KYC with Zerodha; a separate re-KYC is required), as of 20 June 2026.
Zerodha support, Why Zerodha collects PAN and Aadhaar via DigiLocker (name match against ITD, Aadhaar photo against IPV, Aadhaar address into KYC), as of 20 June 2026.
UIDAI, Aadhaar enrolment and update guidelines (address and demographic updates done at UIDAI, not DigiLocker).
Prevention of Money-Laundering (Maintenance of Records) Rules, 2005, Rule 9 / 9A (KYC records and the central registry filing the refreshed data flows to).

WebNotes Editorial Team prepares factual how-to guides based on publicly available regulatory documents and broker disclosures. WebNotes is not affiliated with Zerodha Broking Limited, UIDAI, or DigiLocker. App flows, charges and procedures are subject to change; verify the current process at support.zerodha.com and digilocker.gov.in before acting.

Frequently asked questions

How do I update my KYC using DigiLocker for Zerodha?

Sign in to DigiLocker, open Issued Documents, and refresh the Aadhaar card via the three-dot menu so the latest UIDAI data is pulled in. Then start a re-KYC in Zerodha Console, select both PAN and Aadhaar in the DigiLocker fetch, and e-sign the form.

What can DigiLocker update in my KYC?

DigiLocker refreshes the digitally signed copy of your Aadhaar, so the current UIDAI data, including your address, is the version Zerodha fetches during re-KYC. It supplies the verified Aadhaar and PAN documents that the broker reads.

What can DigiLocker not update?

DigiLocker does not change your Aadhaar or PAN data itself; you update Aadhaar at UIDAI and PAN at the Income Tax Department. Refreshing DigiLocker alone does not update your KYC with Zerodha either; a separate re-KYC submission is required.

Why does refreshing DigiLocker not update my Zerodha KYC?

DigiLocker holds your documents but does not sync them to your broker. Zerodha must fetch the refreshed documents during a re-KYC and file them with the KRA. As Zerodha states, updating KYC on DigiLocker will not update the KYC with Zerodha.

My address changed. Will DigiLocker update it everywhere?

Update your address at UIDAI first so the Aadhaar reflects it, then refresh DigiLocker and complete a Zerodha re-KYC fetching the new Aadhaar. The new address flows to the KRA and your KYC, but only after the re-KYC, not from the DigiLocker refresh alone.

What if my Aadhaar is not linked to my mobile?

If your Aadhaar is not linked to your mobile, the OTP-based DigiLocker and online fetch will not work. Use Zerodha’s offline account modification route: submit a self-attested address proof; an account modification charge of Rs 25 plus 18 per cent GST applies.

Is updating KYC through DigiLocker free?

The DigiLocker refresh and the online Zerodha re-KYC are free. Only the offline account modification route, used when Aadhaar is not linked to your mobile or for joint and NRI accounts, carries a Rs 25 plus 18 per cent GST charge at Zerodha.

Reviewed and published by

WebNotes Editorial Team

The WebNotes Editorial Team covers Indian capital markets, payments infrastructure and retail investor procedures. Every article is fact-checked against primary sources, principally SEBI circulars and master directions, NPCI specifications and the official support documentation published by the intermediary in question. Drafts go through a second-pair-of-eyes review and a separate compliance read before publication, and revisions are tracked against the SEBI and NPCI rule changes referenced in the methodology section.

Last reviewed: 20 June 2026
Conflicts of interest: WebNotes is independent. No relationship with any broker, registrar or bank named in this article.