UBI KYC Update | Quick & Simple Updated Guide

Key Takeaways
 

• You can complete your UBI KYC update easily through online or offline methods.
   
• The Union Bank online KYC update app allows you to update your details quickly without visiting a branch.
   
• KYC information updation ensures smooth banking and uninterrupted account services.
   

If you bank with Union Bank of India, keeping your KYC updated ensures smooth and secure banking. Before we begin, think about the last time you updated your details was it online, at a branch, or not done yet?

The UBI KYC update is an important process that helps Union Bank of India keep customer records accurate and secure. It ensures smooth transactions and compliance with RBI guidelines. 

For example, I have an account with Union Bank of India, and I recently received a reminder to update my KYC. I opened the Union Bank online KYC update app, uploaded my Aadhaar and PAN, and completed the entire process within a few minutes without visiting the branch. 

This blog explains how you can update your UBI KYC easily through online and offline methods in a few simple steps.

Bonus Tip: Union Bank of India was among the first public sector banks in India to introduce KYC updates through WhatsApp banking. This feature allows customers to complete parts of their UBI KYC update by chatting securely with the bank’s verified WhatsApp number.

Channels for UBI KYC Update (Online and Offline)

You can complete your UBI KYC update through both online and offline methods. The bank provides several convenient options to help you keep your information current.
 

Both online and offline channels make the UBI KYC update process simple, convenient, and accessible for all customers.

Required Documents for UBI KYC Update 

To complete your UBI KYC update, you must provide a few essential documents for identity and address verification. These documents are needed whether you choose to do your UBI KYC update online or at a branch.
 

Make sure all documents are clear and valid to ensure a smooth UBI KYC update online or at your nearest Union Bank branch.

Step-by-Step Process for UBI KYC Update

Keeping your bank records up to date is important for smooth transactions and compliance with RBI rules. Union Bank of India makes the UBI KYC Update process simple through its UBI KYC update form, which you can submit online or offline. 

Below is a clear step-by-step process to help you complete your UBI KYC update easily.

Step 1: Download the UBI KYC Update Form

Go to the official Union Bank of India website and download the “Data Updation Form under KYC Compliance.” This is your UBI KYC update form. Print it if you plan to submit it offline, or keep it ready for upload if you prefer to update your KYC online.

Step 2: Fill in Your Personal Details

Write your full name, account number, customer ID, and address as mentioned in the bank records. If you have a new address, tick the change box and provide updated details such as flat number, city, state, and PIN code. Include your mobile number, email address, and date of birth. Enter your PAN number, or mention Form 60 if PAN is not available.

Step 3: Mention Occupation and Income Details

Provide details about your occupation, annual income, and source of income. If you expect any foreign inward remittance, mention the country and type of activity related to it.

Step 4: Attach Proof Documents

Attach copies of valid documents, including:

• Identity proof such as Aadhaar, PAN, passport, voter ID, or driving licence.
• Address proof such as a utility bill, ration card, or tax receipt.
• A recent passport-sized photograph and a signed cancelled cheque, if required.

Step 5: Sign the Form

Sign and date the form at the bottom, ensuring your signature matches the one on the bank’s records. If your photograph is not printed on the form, affix one and sign beside it.

Step 6: Submit the Form

You can submit the filled form in two ways:

• Offline: Visit any Union Bank branch, including non-home branches, and hand over the form along with your documents.
• Online: For a UBI KYC update online, scan your filled form and documents and upload them via the bank’s Re-KYC portal, internet banking, or the UBI VYOM app.

Step 7: Verification and Confirmation

Once submitted, the bank will verify your information and documents. You will receive a confirmation message via SMS or email after successful completion. If the bank requires additional information, they will contact you.

The UBI KYC update process is straightforward and can be completed through both online and offline options. By carefully filling out the UBI KYC update form and attaching the required documents, you ensure your account remains active and compliant with the latest banking regulations.

Conclusion

The UBI KYC update process is simple and convenient for all customers. You can easily complete it online through the Union Bank online KYC update app or by visiting your nearest branch. 

By submitting the required documents and keeping your details accurate, you ensure that your account stays active and compliant with banking rules. Updating your KYC on time helps you enjoy uninterrupted services and smooth digital banking with Union Bank of India.

FAQs

What is CKYC with respect to Union Bank of India?

CKYC, or Central Know Your Customer, is a one-time centralised system managed by CERSAI. For Union Bank of India customers, it means your verified KYC details are stored in a central database. This allows the bank to access your information securely with your consent, so you do not need to submit your KYC documents repeatedly for different financial services.

Can I complete my UBI KYC update without visiting the branch?

Yes, you can. Union Bank of India allows customers to complete their UBI KYC update online through the Union Bank Re-KYC portal, internet banking, or the Union Bank online KYC update app, making the process quick and convenient without visiting a branch.

Can I Link My PAN with Union Bank of India Through Internet Banking?

Yes, you can link your PAN using Union Bank of India’s Internet Banking.
Simply log in, open the Services or Profile/KYC section, choose Link PAN, enter your PAN details, and confirm the request with an OTP. The bank usually updates it within a few working days.

Can a bank force me to do Re-KYC even when there is no change in my details?

No, a bank cannot force you to redo KYC if nothing has changed. You can simply give a written declaration or send an email from your registered address stating “There is no change in my KYC details,” and the bank must accept it.

Is it legal for banks to ask for extra documents during Re-KYC?

No, banks cannot ask for documents that are not required. If your details remain the same, your declaration is enough, and the bank should not collect additional data beyond standard KYC requirements.