FAQ To Avoid KRA Rejections - 20-12-21

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DearTeam,

Ki
ndl
yref
erbel
owt
abl
etoav
oidKRAr
ejec
tionsands
olut
ionsf
ort
hes
ame.

KRARej
ect
ion/On-
Hol
dReas
onandSol
uti
ons

S.
No. Reas
onf
orKRARej
ect
ion/On-
hol
d Sol
uti
on/Act
iont
obet
aken

1. ProofofAddress(Per
manent/ Clearcopyofsel
f-at
tes
tedAddr
essproof
Corres
pondence)notlegi
ble/notpr
oper requi
red(Name,Addres
sandPhotoshoul
d
bec l
ear)
.

2. Appl
icantphot
onotl
egi
bleont
he Clearcopyoflatestpassportsi
ze
appl
i
cationfor
m photographrequir
edwithoutwearingt
he
mas kandwithoutanylivingobjec
tinthe
background.ClienthastodoReKYC.

3. PANc
ardc
opynotl
egi
ble/c
utc
opy Clearcopyofself
-att
estedPANr equi
red
(Cli
entName,FatherName,Dat eofBirt
h
andPANnumbers houldbeclearandful
l
viewofPANr equi
red).

4. Fat
hernamemi
smat
chwi
thKRAs
yst
em Fat
hernames houl
dbefil
l
edasper
PANcard.Cl
i
enthastodoReKYC.

5. I
ncompl
eteKYCf
orm pr
ovi
ded ClientName,Fat herName,Dat eofBi r
th,
Mar it
alst
atus,Citi
zenship,Resi
dent i
al
status,Occupati
on,ProofofAddr es
s
doc ument,Addressasperaddr esspr oof,
City,Stat
ename,Pi nc
odeandCount 
code,Mobi l
eandEmai li
ds houldbefil led.
Anydet ai
lsfill
edwr onglythenc l
ienthast o
doReKYC.

6. Appli
cantnamemismatchwi
thKRA PANandAddr essproofs houl
dbei nsame
sys
tem /ProofofAddr
essnoti
nthe name.s el
f-att
es t
edc opyofaddressproof
nameofapplic
ant requi
redasperPANnameandaddr ess
shouldbemat chwithgivenaddresswhich
wasal r
eadyfilledintheappl i
cat
ionform.
Ifnot,addi
tionalIDproofrequir
edorName
affidav i
t/ Gaz etteproof/Mar r
iage
certi
ficaterequir
ed.

7. Pr
oofofi
dent
it
ynotav
ail
abl
e/i
mpr
oper Cli
ent'
sphotoshoul
dbec l
earinthe
addres
sproof
.Ifnot,addi
tional
sel
f-at
test
edIDproofrequiredwit
hclear
photo(ot
herthanPANc ard).

8. Appl
i
cants
ignat
urenotav
ail
abl
eon Forphy si
calKYCf orm,Client'
ssi
gnatur
e
PANcar
d requir
edint heappropriat
eboxi nthePAN
card.Ifnot,sel
f-att
estedc opyofPAN
requir
edwi thCli
ent'ssignatur
einthe
appropri
atebox .

9. Appli
canthasnots
ignedont
heappl
i
cat
ion Client
'ss
ignat
urerequi
redi
nal
lthe
for
m requir
edpages.Cl
i
enthastodoReKYC.

10. St
atenamemi
smat
chwi
thKRAs
yst
em St
atenameshoul
dbefil
ledasperaddr
ess
pr
oof
.Cli
enthast
odoReKYC.

11. Pr
oofofAddr
essmi
smat
ch Proofshoul
dbesubmi t
tedasperaddress
fil
ledintheappl
ic
at i
onform andalsot
he
appropr
iat
edocumentnames houl
dbe
ti
ckedintheappl
icati
onform.

12. Si
gnat
urenottal
ly/appl
i
cants
ignat
ure Signaturewhichisr
eadabl
eshoul
dtal
l
y
di
ffer
entbyappli
cant withClient
'sname.E.g.Cl
i
entnameis
Rames hbuts i
gnedasKameshgets
rej
ected.Cli
enthastodoReKYC.

13. Appli
cantsi
gnatur
emismatc
hwi t
hKYC Signatureshouldmat c
hwi thexi
sti
ngKYC
for
m /mi s
matchbetweenearl
i
erand recor
ds .I
fnott al
li
ed,bankerl
ett
errequi
red
cur
rentKYCform forsignatur
ec hangealongwithCli
ent'
s
photographdulyat t
estedbythebranch
offic i
alas" Si
gnatureveri
fiedwithour
recor
ds "seal
.

14. Pr
oofofc or
res
pondenc
eaddress Ifaddres sproofsubmittedasPassportor
pr
ovidedi
snotv al
id/i
ncomplet
e/ Driv
ingLi cense,vali
dit
yperiodshoul
dnot
morethan3mont hsol
d beex pired.EB/Tel ephonebil
l/Gasbi l
l/
Banks tatements houldnotbeolderthan
3mont hs.self
-attest
edc opyofval
id
addresspr oofrequir
ed.

15. Val
idi
typageofDr
ivi
ngLicens
e,Pass
por
t s
elf
-att
est
edcopyofvali
daddr
essproof
notsubmitt
ed/val
idi
tynotcl
ear/ r
equi
redwit
hlegi
bleAddr
esspageand
val
idi
tyexpi
red v
ali
dit
ypage.

16. Ori
ginaldoc
umentsnotrec
eiv
ed/ Ori
ginalappl
i
cati
onfor
mr equi
red.phot
o
i
magenots cannedpr
operl
y copyofthedocumentsar
enotv ali
d.Cl
ient
hastodoReKYC.

17. Namemi
smat
chwi
thPr
oofofI
dent
it
y Cli
ent'
sNames houl
dmatchwi
thIDproof
.
(
POI) sel
f-at
tes
tedcopyofIDpr
oofr
equi
redas
pertheCli
entName.

18. Aadhaarcar
d1s
tpage/2ndpagenot sel
f-at
test
edc opyofAadhaarcardrequi
red.
submitt
ed PhotopageofAadhaarandAddr esspage
ofAadhaarrequi
redwit
hfullvi
ew.

19. Cl
i
enthasnots
ignedac
ros
sthephot
o Photoacr
osss
ignrequi
red.Signshoul
d
nothidewi
thcl
ientf
ace.Cli
enthastodo
ReKYC.

20. Emai
lIDnotmentionedi
nKYCf
orm/ Vali
dEmailI
Ds houl
dbefill
edinthe
i
ncor
rectEmai
lID appli
cat
ionfor
m andits
houldbevi
sibl
e
proper
ly
.Cli
enthastodoReKYC.

21. Phonenumbernotment
ionedi
n Val
idmobil
enumbershoul
dbefil
ledinthe
KYCfor
m appl
ic
ati
onfor
m.Cli
enthastodoReKYC.

22. Pr
ooff
orper
manentaddr
essnotpr
ovi
ded I
fcor
respondenceandpermanentaddr
essis
di
ffer
ent,thenself
-at
tes
tedcopyofaddres
s
pr
oofrequi
redforbot
haddress.

23. Pi
ncodemi
smat
chwi
thaddr
esspr
oof Pi
ncodeshoul
dbefil
l
edasperaddr
ess
pr
oof.Cl
i
enthast
odoReKYC.

24. DOBmi
smat
chwi
thKRAs
yst
em DateofBir
thshoul
dbefill
edasperPAN
car
d.Cli
enthastodoReKYC.

25. Appl
i
c antsi
gnat
uremi
smat
chwi
th Cli
ent
'ssi
gnatur
eshoul
dmatchwit
hKYC
KYCform-RC for
m andsuppor
ti
ngdocument
s.Cl
ient
hastodoReKYC.

26. PANnamemi
smat
chwi
thI
ncomet
axs
ite Cli
enthastochangehis
/hernameinPAN
copyasperInc
omet axwebsit
eandit
shoul
dmatchwi t
hABMLr ecords
.

27. PANappl
icantphot
onotl
egi
bleont
he Addit
ionalself
-att
est
edI
Dpr
oofr
equi
red
appl
i
cati
onform wit
hc learphoto.

28. Pr
oofofaddr
essi
ncompl
ete Cl
earc
opyofsel
f-at
test
edaddr
esspage
wi
thPhot
opagerequir
ed.

29. Marr
iagec
ert
ificat
e/Namec hange I
fnamemi smatchwi thaddr es
spr oofand
doc
ument/Gazett
elet
ternotsubmit
ted notablet
os ubs
t anti
atewi t
hgi venproof
then,mar
ri
agec erti
ficateornamec hange
documentorgazet t
eletterisrequir
ed.

30. Pr
oofofaddr
ess-Tr
ans
act
ionpagenot I
fBanks tatementissubmitt
edasAddr ess
at
tac
hed pr
oof,thent r
ansac
tionpagess houldnotbe
l
essthan3mont hsold.sel
f-at
testedcopy
ofbanks t
atementrequir
ed.

31. Bl
ackandwhi
tei
magenotac
cept
ed Photoc
opyoftheappl
icat
ionand
suppor
tingdoc
umentsarenotval
id.
Cli
enthastodoReKYC.

32. Al
ldocument
snotat
tes
tedby Ori
ginalveri
fic ati
ons ealhast obeaffix ed
i
nter
media-
RC onthes upportingdoc ument sal
ongwi th
Name,Des ignation,Signatureofthe
ABMLempl oyeeorAut hor
isedperson
(i
ncaseofAP)

33. Alt
erati
oninappl
i
cati
onrequi
res Evecorr
ecti
onshoul
dbeauthent
icated
appl
icantaut
hent
icat
ion withf
ulls
ignat
ureoft
heCl
ient.Cl
ienthas
todoReKYC.

34. Guar
dianst
ampnotav
ail
abl
eont
he Guar
diansealwit
hs i
gnatur
ehastobe
appl
i
cati
onfor
m affixedforminorappl
icat
ionfor
m.

35. Mar
it
als
tat
usmi
smat
ch Eit
herMarr
iedorUnmar
ri
edshoul
dbe
ti
cked.Cl
i
entshoul
dnotti
ckOther
s.Cl
i
ent
hastodoReKYC.

36. I
PVdat
enotv
ali
d Cl
i
enthast
odoReKYC.

37. Modificat
ionr
ejec
tedasdoc ument
snot Cl
i
enthast
odoReKYC.
submit
tedappr
opriat
elywi
thin30day
s

38. Namec hangewithDematandTr adi


ngA/c 1.KRAf or
m
(pos
tactivat
ionofaccount
)ot herthan 2.Requestlett
erforc
hangeofname
marri
ageforCli
entsnotresi
dingi nPunj
ab 3.sel
f-att
estedcopyofPANandAddres
s
andKarnatakast
ate. pr
oofaspernewname
4.CopyofGaz ett
ePubli
cat
ion.

39. Namec hangewithDematandTr ading 1.KRAf orm


A/c( postact
ivati
onofaccount
)ot her 2.Requestlett
erf orchangeofname
thanmar ri
ageforCli
ent
sresidi
ngi n 3.Paperpublic
ationi noneLoc alNews
PunjabandKar nat
akastat
e. paperandoneNat ionalNewspaper
4.SwornAffidav i
tex ecutedbeforethe
NotaPubl i
c/Magi str
ateoffir stclas
s/
Executi
veMagi st
rat ementioni
ngt he
reas
onf orchangeofnameandhi s
completeaddress.

40. Addi
ti
onals
ignpagenotl
egi
ble/not Clearwets ignaturer
equiredinwhit
e
pr
oper/cutcopy paper(blueorbl ackpens ign)
.Si
gnatur
e
submittedt hroughcroppi
ngofdoc ument
i
snotac ceptable.Cl
ienthastodoReKYC.

41. Appl
i
cantphot
onotpr
oper Cli
ents houldnotwearmas kwhil
etaki
ng
selfieandf aces houl
dbefull
yvi
ewedand
withoutanyl i
vingobjec
tintheback
ground.Clienthast odoReKYC.

Regar
ds,

AccountAct
ivat
ionTeam
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