Bank Account “Frozen” or “Inactive”? How to Complete Re-KYC Online (2026 Guide)
Many bank customers are suddenly finding their bank accounts “Frozen” or “Inactive”. This usually happens because the bank’s records require a mandatory periodic update called Re-KYC.
If your account is frozen, you may not be able to withdraw money, use your ATM card, or receive government subsidies (DBT). The good news is that most major banks now allow you to complete this process from home.
Before you start, ensure your mobile number is updated and active for OTP verification. If not, refer to our guide on Aadhaar mobile number update .
If your bank account is linked to EPFO, a freeze can also cause PF claim failures. You may find this related guide helpful: PF claim rejected due to bank account issues .
Why Bank Accounts Get Frozen
Reserve Bank of India (RBI) guidelines require banks to update customer information periodically (every 2, 8, or 10 years depending on risk profile). If you fail to provide updated documents, the bank is legally required to restrict transactions in your account.
This requirement is based on Reserve Bank of India (RBI) KYC Master Directions, which mandate periodic customer due diligence for all customers.
Important: In most cases, banks apply a debit freeze, meaning withdrawals and transfers are blocked, but credits such as salary or interest may still be received. A complete freeze usually happens only in fraud or legal cases.
How to Check if Your Re-KYC is Pending
- SMS or Email: Banks usually send multiple alerts before freezing an account.
- Net Banking: Look for a banner or notification saying “Your KYC is due”.
- ATM Message: Some ATMs display alerts related to pending KYC.
Methods to Complete Re-KYC Online
As of 2026, you can complete Re-KYC through these digital channels if there is no change in your address or personal details:
[Image placeholder: Example of bank Re-KYC pending notification in a mobile banking app – personal details blurred]
- Self-Declaration via Email: Sending a signed declaration from your registered email ID.
- Net Banking / Mobile App: Uploading documents using the bank’s secure portal.
- Video KYC: A short video call with a bank official (required if details have changed).
Step-by-Step for Major Banks
1. State Bank of India (SBI)
- Log in to onlinesbi.sbi.bank.in.
- Go to Profile → Update KYC.
- If no details have changed, submit the No-Change Declaration.
2. HDFC Bank
- Open the HDFC Bank Mobile App.
- Go to Menu → Your Profile → Personal Profile.
- Select Re-KYC and complete Aadhaar-based OTP verification.
3. ICICI Bank
- Use the iMobile Pay app.
- Search for Re-KYC under services.
- Upload documents and complete verification.
Frequently Asked Questions
Q: How long does it take to unfreeze a bank account?
Once documents are verified, most banks restore account access within 24 to 48 working hours.
Q: Can I complete Re-KYC if my mobile number has changed?
No. You must first update your mobile number at the branch or through supported ATM options before using online Re-KYC services.
Q: Is a branch visit mandatory?
Only if your signature has changed significantly or if you are classified as a high-risk customer under bank guidelines.
Disclaimer
This article is for informational purposes only. We are not a bank or financial institution. For official confirmation and personalized guidance, always refer to your bank’s official website or visit the nearest branch.
