The four-step KYC in summary
1. PAN + full name 2. Aadhaar OTP 3. Bank (penny-drop) 4. Demat CMR upload
Any of the four can block you. Here's how to fix the common ones.
"Name on PAN doesn't match your account"
The PAN is valid, but our verification partner reports a different holder name than what you typed.
- Fix: The KYC page will show the name on PAN with a Use this name & verify button. Click it — we update your first and last name to match PAN in one action and re-run verification.
"Aadhaar OTP failed"
Three things to check:
- The mobile linked to Aadhaar is the one you have right now. If you've changed your SIM, update it at any Aadhaar Seva Kendra before retrying.
- You're entering the OTP within 10 minutes (they expire).
- You haven't exceeded the daily limit (we throttle at 3 OTP sends per hour, 5 per day per user).
"Bank account verification failed"
Usually a name mismatch. The bank's records of your name may differ from your PAN name (e.g. initials expanded, maiden name).
- Fix: We permit minor variations. If the automated check fails, request Manual review from the KYC page. Our team eyeballs the name + ₹1 transaction and approves within 24 hours.
"CMR verification failed"
Either:
- Uploaded wrong PDF (statement vs CMR).
- CMR is older than 6 months (some DPs stamp a date).
- Name on CMR doesn't match your PAN.
Fix: Download a fresh CMR (see our guide), or request manual review.
If nothing works: request manual review
On the KYC page, scroll to Can't verify? Request manual KYC review. Upload your documents and add a note. Our compliance team will review within 24 working hours and approve manually.
You can still place orders while KYC is under review — the shares are held until approval, and your funds sit safely in the wallet.