KYC Documentation Guide

KYC Document Checklist

Complete list of documents needed for KYC verification. Ensures smooth account setup with no delays or rejections.

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Complete KYC Requirements

KYC Document Checklist

Everything You Need for Smooth Account Opening

Prepared by NovaRock Advisory – AMFI ARN-344268

Table of Contents

  1. Identity Proof Documents
  2. Address Verification Documents
  3. Income Proof Options
  4. Signature Requirements
  5. Digital vs Physical Submission
  6. Quick Reference Checklist

Section 1: Identity Proof Documents

Know Your Customer (KYC) verification is mandatory for all financial services in India. This comprehensive guide lists all required documents with detailed specifications to ensure smooth account setup.

Submit ANY ONE of the Following Documents

PAN Card (Permanent Account Number) ⭐ MANDATORY

Requirements:

  • Clear, colored copy (scanned or photographed)
  • Name should match bank account exactly
  • Aadhaar-PAN linking is compulsory as per CBDT guidelines
  • Must be valid and not expired or cancelled

Why PAN is Essential: Mandatory for all financial transactions in India. Used for tax reporting and compliance.

Aadhaar Card

Requirements:

  • Both front and back sides required
  • Masked Aadhaar (last 4 digits hidden) is acceptable
  • Can be used for instant e-KYC verification
  • Must be linked to active mobile number for OTP verification

Benefits: Fastest verification method. Enables digital signature and instant account opening.

Passport

Requirements:

  • Valid Indian passport (not expired)
  • Photograph and signature page required
  • Suitable for NRI clients and international documentation
  • All pages with visa stamps accepted as supporting documents

Voter ID Card (Election Commission)

Requirements:

  • Government-issued voter identification card with photograph
  • Valid across all states in India
  • Accepted by all SEBI-registered financial institutions
  • Both old format and EPIC (Electors Photo Identity Card) accepted

Driving License

Requirements:

  • Valid state-issued driving license with photograph
  • Both old paper format and smart card format accepted
  • Must be within validity period
  • International driving licenses not accepted
⚠️ Important Guidelines

All documents must be self-attested. Your signature should match across all documents. Documents should be clear and readable – blurred, damaged, or torn copies will be rejected. Photocopies must be certified or self-attested.

Section 2: Address Verification Documents

Submit ANY ONE current address proof. For utility bills, documents should not be older than 3 months.

Accepted Address Proof Documents

Utility Bills (Electricity / Water / Gas)

Requirements:

  • Recent bills not older than 3 months from submission date
  • Must clearly show your full name and complete address
  • Landline telephone bills also accepted
  • Must be in your name or close relative (with relationship proof)

Bank Account Statements

Requirements:

  • Last 3 months statements from any scheduled commercial bank
  • Must show name, address, and account details clearly
  • E-statements acceptable if bank-stamped or digitally signed
  • Passbook front page also accepted

Aadhaar Card

Dual Purpose:

  • Serves as both identity and address proof
  • Latest address should be updated in Aadhaar database
  • Instant verification available through e-KYC
  • No additional documents needed if Aadhaar is used

Passport

Requirements:

  • Current address mentioned in passport
  • If address differs from current residence, submit additional address proof
  • Address page must be clearly visible

Rent Agreement with Utility Bill

For Rented Accommodation:

  • Notarized or registered rent agreement in your name
  • PLUS landlord's utility bill in their name
  • Both documents are mandatory
  • Rent agreement should be current (not expired)
💡 Pro Tip

If your current address differs from permanent address, provide both current and permanent address proofs to avoid future complications in correspondence and document delivery.

Section 3: Income Proof Options

Required for investment advisory services, risk assessment, and suitable product recommendation. Submit ANY ONE of the following documents.

For Salaried Individuals

Income Tax Returns (ITR)

Requirements:

  • Latest ITR acknowledgment with computation of income
  • Filed returns for last 2 financial years preferred
  • Shows comprehensive income picture from all sources
  • Must be filed with Income Tax Department (acknowledgment number required)

Salary Slips

Requirements:

  • Last 3 months' salary slips from current employer
  • Must show gross salary, deductions, and net pay
  • Company seal and authorized signatory signature required
  • Digital pay slips accepted if from company email

Bank Statements Showing Salary Credits

Requirements:

  • 6 months bank statements clearly showing regular salary credits
  • Name of employer should be visible in transaction description
  • Consistent monthly credit pattern required
  • Must be from salary account

Form 16 / Form 16A

Requirements:

  • Tax deduction certificate from employer (Form 16)
  • Form 16A for other sources (TDS on interest, etc.)
  • Latest financial year document required
  • Must be issued by employer or deductor

For Self-Employed / Business Owners

⚠️ Additional Requirements

Submit ITR with computation of income, audited financial statements (if applicable), or GST returns for last 2 years. Professional tax receipt or business registration certificate also helpful for verification.

Document Type Who Should Submit Validity Period
Latest ITR All categories Latest 2 financial years
Salary Slips Salaried employees Last 3 months
Form 16 Salaried employees Latest financial year
Audited Financials Self-employed/Business Latest 2 years
GST Returns Business owners Last 2 years

Section 4: Signature Requirements

Physical Signature

  • Sign all documents in blue or black ink pen (blue preferred for verification)
  • Signature should match across PAN card, bank account, and all submitted documents
  • Use consistent signature style – avoid major variations
  • If signature differs from PAN/bank, submit declaration

Digital Signature (e-Sign)

  • Aadhaar-based e-Sign accepted for online submissions
  • Legally valid under Information Technology Act, 2000
  • Instant verification and processing
  • Requires OTP authentication on Aadhaar-linked mobile

Photograph Specifications

  • Recent passport-size color photograph (3.5 cm × 4.5 cm)
  • White or light-colored background preferred
  • Clear face visibility without sunglasses or headgear
  • Religious headgear allowed (face must be visible)
  • Digital photos acceptable (minimum 200 DPI resolution)
💡 Signature Verification Tip

Take a photo of your signature on white paper for reference. This helps maintain consistency across all financial documents and speeds up verification.

Section 5: Digital vs Physical Submission

Digital Submission (Recommended)

Advantages

  • Processing Time: 24-48 hours
  • Convenience: Submit from anywhere, anytime
  • Environment: Paperless and eco-friendly
  • Tracking: Easy to track status online
  • Storage: Digital copies safe and accessible

Technical Requirements

  • Formats Accepted: PDF, JPG, JPEG, PNG
  • Maximum File Size: 5MB per document
  • Quality: Minimum 200 DPI resolution
  • Color: Color scans preferred (black & white acceptable for text documents)

Physical Documents

Submission Process

  • Format: Self-attested photocopies
  • Original Verification: Required at time of submission (returned immediately)
  • Processing Time: 3-5 working days
  • Mailing Address: NovaRock Advisory, Kurukshetra, Haryana

e-KYC (Instant Verification) ⭐ FASTEST

Process Overview

  • Method: Aadhaar-based OTP verification
  • Time Required: 5-10 minutes
  • Documents Needed: Aadhaar + PAN
  • Approval: Instant (subject to verification)

How e-KYC Works

  1. Enter Aadhaar number on platform
  2. Receive OTP on registered mobile
  3. Enter OTP to authenticate
  4. System pulls details from UIDAI database
  5. KYC completed instantly
Method Processing Time Documents Best For
e-KYC 5-10 minutes Aadhaar + PAN Fastest option
Digital Upload 24-48 hours Scanned documents Convenient & paperless
Physical 3-5 days Hard copies Detailed verification
💡 Recommended Approach

Use e-KYC for fastest processing if your Aadhaar is linked to active mobile number. Keep backup physical documents ready in case additional verification is needed. Digital submission preferred for environmental sustainability.

✓ Quick Reference Checklist

  • PAN Card (Mandatory – linked with Aadhaar)
  • Any one Address Proof (not older than 3 months for bills)
  • Any one Identity Proof with photograph
  • Income Proof (ITR / Salary slips / Bank statements)
  • Recent passport-size photograph
  • Bank account details and cancelled cheque
  • Nomination details (optional but recommended)
  • All documents self-attested with matching signatures

Need Help with KYC?

Our team at NovaRock Advisory is here to assist you with the complete KYC process. We can guide you through document preparation, e-KYC setup, and address any questions you may have.

Contact Us