Bank re-KYC: self-declaration, camps till 31 December 2026 and how to update
Banks hold re-KYC camps till 31 December 2026. If nothing has changed, a self-declaration is enough. How to update and avoid KYC scams.
Many people are getting messages about a "KYC update" for their bank account. Some are real and many are scams. RBI has been reminding customers about periodic KYC, called re-KYC, and a nationwide campaign runs till 31 December 2026. Here is what the official sources say.
The campaign, 21 October to 31 December 2026
The Department of Financial Services in the finance ministry announced on 19 October 2026 that banks will hold camps in 2.70 lakh gram panchayats and urban local bodies from 21 October to 31 December 2026. At the camps banks will do re-KYC for existing Jan Dhan and other savings accounts, create a C-KYC ID where it is pending, update nominations in savings accounts and lockers, and enrol people in PMJJBY, PMSBY and Atal Pension Yojana. The release gives no camp dates or places, so ask your bank branch.
How often banks must update KYC
Under RBI's KYC Master Direction, KYC is updated at least every 2 years for high-risk customers, every 8 years for medium-risk customers and every 10 years for low-risk customers, counted from account opening or the last update. Before the due date a bank must send at least three advance intimations, including one letter, and three reminders after it.
How to update
- Nothing has changed: a self-declaration is enough. The bank can take it through your registered email or mobile number, an ATM, internet or mobile banking, or a letter. You do not have to submit documents again.
- Only your address has changed: declare the new address the same way. The bank verifies it within two months.
- Other details have changed: use Aadhaar OTP e-KYC or video KYC if your bank offers them, or go to a branch with an officially valid document such as Aadhaar, voter ID, driving licence, passport or NREGA job card.
A bank can ask for more under its own board-approved policy, so check with your bank. RBI Nagpur said at the campaign launch on 21 October 2026 that completing re-KYC helps keep banking services running smoothly.
Do not fall for KYC scams
As reported by Free Press Journal on 9 November 2026, RBI has warned against links, calls and messages that demand an "immediate KYC update". Update only through your bank's app, website, ATM or branch. Never share an OTP, PIN or password. Report fraud on the 1930 helpline or at cybercrime.gov.in. Also read our guides on SBI's notice for inoperative accounts and how to claim unclaimed deposits.
Sources: PIB, 19 October 2026: Saturation campaign of Financial Inclusion schemes, PIB, 22 October 2026: RBI Nagpur launches the re-KYC campaign, RBI: Master Direction on Know Your Customer, Free Press Journal, 9 November 2026: RBI re-KYC alert
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