How Do You Check Your KYC Status with PAN for Mutual Funds and Demat?

What does "KYC status with PAN" actually mean?

KYC means Know Your Customer: proving who you are and where you live. When you start investing in mutual funds or open a demat or trading account, the fund house or broker does your KYC once. It then uploads your record to a KYC Registration Agency (KRA).

A KRA is an agency registered with SEBI, the stock market regulator. It keeps KYC records in one place, so the next fund house or broker can reuse them. Each KYC record is tagged to one PAN. That is why your PAN is all you need to look up the status.

PAN is mandatory for securities-market transactions, but SEBI's FAQs say PAN by itself is not accepted as proof of identity for KYC. You still need an officially valid document such as Aadhaar, a passport, a driving licence or a voter ID. For where else PAN is compulsory, see where PAN is mandatory.

Which KRAs hold your KYC?

SEBI's list of registered KYC Registration Agencies shows these names:

NSE's KRA, run by NSE Data & Analytics Limited (registration IN/KRA/003/2012), is no longer on the list. NSE's stock exchange filing of 14 April 2026 says the KRA business was sold to CAMS Investor Services. SEBI accepted the surrender of the registration on 13 April 2026.

How do you check your KYC status on a KRA website?

The steps below use CVL KRA's public KYC Inquiry page, which we checked on 16 Oct 2026. Other KRAs work in a similar way, but their screens differ.

1. Open the KYC Inquiry page

   Go to cvlkra.com and choose KYC Inquiry from the menu. Type the address yourself rather than tapping a link in a message.

2. Enter your PAN and the captcha

   Type your PAN in the PAN box, for example ABCPK1234X (a dummy number). Type the captcha text and press Submit. The page also allows a search by name, date of birth and exempt category, for people exempt from giving PAN.

   If it says no record: check the PAN for typing errors, then try another KRA. If no KRA has a record, you have not done securities-market KYC yet.

3. Read the status and the KRA name

   Note the status and which KRA holds your record. Compare it with the status table below.

   You'll know it worked when the page shows a status line for your PAN, such as KYC Validated, KYC Registered or On Hold.

Got a locked statement by email? An NSDL or CDSL demat statement (e-CAS) opens with your PAN in capital letters. Our file unlock tool opens it inside your browser.

What does each KYC status mean?

These meanings come from CVL KRA's inquiry page and a Karvy KRA circular of 26 May 2024 that explains SEBI's revised checks.

An RTA is a registrar and transfer agent: the company that keeps mutual fund records for fund houses. KRA sites may show other labels too. If you see one that isn't here, ask the fund house or broker that did your KYC.

Why does KYC go On Hold?

SEBI tightened KRA checks with a circular of 12 October 2023 and then eased them with a circular dated 14 May 2024 (SEBI/HO/MIRSD/SECFATF/P/CIR/2024/41). KRAs applied the revised checks from 1 June 2024. Under the revised rules, these are the common reasons for On Hold:

• Mobile and email both unverified. The Karvy KRA circular says a record stays On Hold when neither the mobile number nor the email has been verified at the KRA.
• PAN validation failed. The PAN, name or date of birth in your KYC doesn't match Income Tax records. You can compare your details with our guide to verify a PAN online.
• Missing or invalid documents. CVL lists this among the reasons shown by fund houses and RTAs.

Before June 2024, many records were also held because PAN and Aadhaar weren't linked. Under the May 2024 circular, KRAs moved individual records held only for that reason to KYC Registered. An unlinked PAN now mainly stops your KYC from becoming Validated and portable. To check your linking, see PAN–Aadhaar link status.

How do you fix On Hold by verifying your mobile and email?

CVL KRA runs a public KYC Validation page for this. We describe the fields it showed on 16 Oct 2026. Use a mobile number and email you can access right now.

1. Open KYC Validation and enter your PAN

   On cvlkra.com, choose KYC Validation. It opens a "KRA Verification" page. Enter your PAN Number and the captcha.

2. Verify your mobile and email by OTP

   Enter your mobile number and press Generate OTP, then type the OTP and press Verify. Do the same for your email ID.

   If the OTP doesn't arrive: use Resend OTP, check your spam folder, and confirm the number has no typing error.

3. Choose your PAN–Aadhaar link status

   Pick Linked, Not Linked or Not Applicable. Check your real link status first on the e-Filing portal; the page asks you to confirm that you did. Choosing Not Linked shows a notice asking you to link with the Income Tax Department.

4. Accept the terms and submit

   Tick the box accepting CVL's terms and press Submit. Then check your status again on KYC Inquiry after some time. The page doesn't say how long the update takes.

   You'll know it worked when the mobile and email fields show as verified, and the KYC Inquiry status later changes from On Hold.

   If the status doesn't change: the hold may be for another reason. Ask your fund house, RTA or broker, who can see the exact reason.

You can also update your mobile number and email through the fund house, RTA or broker that did your KYC. Their forms and steps differ, so follow the instructions on their own website.

How do you move from Registered to Validated, or fix rejected KYC?

From KYC Registered to KYC Validated

Registered usually means your address proof could not be checked against its source. CVL's guidance is to redo KYC, or update your KYC with PAN and Aadhaar (Aadhaar XML, DigiLocker or mAadhaar), so the KRA can verify it. In practice this goes through a fund house, an RTA or a broker. Many offer online KYC using Aadhaar or DigiLocker. Aadhaar-based KYC uses an OTP on the mobile linked with Aadhaar, and the address in Aadhaar. If either is old, update it in Aadhaar first: mobile number or address.

Rejected or stuck KYC

Ask the fund house, RTA or broker for the exact reason. Fix it, and submit KYC again with an officially valid document. If a KYC complaint goes unanswered, file it on SEBI's SCORES portal. SEBI's FAQs say KYC complaints there must be resolved within 21 days.

Changing your name or address in KYC

SEBI's FAQs say a name change needs a KYC modification form plus a self-attested document showing the new name. Update your PAN first so both match. See change your name in PAN and correct your date of birth in PAN. If your PAN and Aadhaar names differ, compare them first with our PAN vs Aadhaar name checker.

How are KRA KYC, CKYC and bank KYC different?

SEBI requires intermediaries to also send your KYC to the Central KYC Records Registry. A KIN is generated when CERSAI accepts it. A fund house's CKYC FAQ says the KIN usually arrives within 2–3 working days by SMS or email.

Updating your bank KYC does not update your mutual fund KYC, and the other way round. To add your PAN to a bank account, see link PAN with your bank account.

What can go wrong, and how do you fix it?

Bottom line

Check your KYC on any KRA website with your PAN. Aim for KYC Validated. If it is On Hold, verify your mobile and email first, then check that your PAN, name and date of birth match. Link PAN with Aadhaar to make your KYC portable. For PAN help, call Protean on 020-27218080 or UTIITSL on 033-40802999.