Re-KYC Alert: How to Keep Your Jan Dhan Account Active in 2025
The Pradhan Mantri Jan Dhan Yojana (PMJDY) has given millions of Indians access to banking. With zero-balance accounts, RuPay cards, and direct benefit transfers, it remains the backbone of financial inclusion.
Now, account holders must complete Re-KYC (Know Your Customer update) to keep their accounts active. If ignored, services like withdrawals, transfers, and government subsidy credits may get disrupted.
Why Re-KYC is Needed
Banks are required by the Reserve Bank of India (RBI) to update customer details from time to time. This ensures accounts are genuine and not misused for fraud or money laundering.
For Jan Dhan account holders, Re-KYC is also important because many opened accounts years ago with minimal documents. Updating details helps banks verify your identity, address, and phone number.
Documents Required for Re-KYC
You need to submit any one officially valid document (OVD). The most common choices are:
| Document Type | Accepted Proofs |
|---|---|
| Identity Proof | Aadhaar Card, Voter ID, PAN Card, Passport |
| Address Proof | Aadhaar Card, Utility Bill, Driving Licence |
| Other Proofs | NREGA Job Card, Pension Card, Government ID |
If your Aadhaar is already linked to your Jan Dhan account, biometric or OTP verification may be enough in some banks.
How to Complete Re-KYC
- Visit your Jan Dhan account branch or the bank’s nearest center.
- Carry your Aadhaar card or any valid identity and address proof.
- Fill in the Re-KYC form provided by the bank.
- Submit the documents and get an acknowledgment slip.
- Banks may verify details through OTP or biometric check.
The entire process usually takes less than 15 minutes.
What Happens if You Don’t Update
Failure to complete Re-KYC may lead to:
- Account being marked inactive or frozen.
- Inability to withdraw cash or transfer money.
- Non-receipt of government subsidies, pensions, or scholarships.
- Problems in using the RuPay debit card.
Did You Know?
Over 50 crore Jan Dhan accounts have been opened since the scheme began in 2014. More than 55 percent of these are held by women.
Key Takeaway
Re-KYC for Jan Dhan accounts is simple but essential. Without it, you risk losing access to subsidies, banking services, and benefits linked to your account. Complete your Re-KYC at the earliest to avoid disruptions.
