Enter the account opening or last KYC update date and the customer’s risk category to see when periodic updation falls due, how many days are left or overdue, and the low-risk window.
The calculator takes the later of two dates, the account opening date or the last completed KYC updation, and adds the periodic updation interval for the customer’s risk category. It tells you who is due; reaching those customers at scale is where re-KYC automation with AutoKYC comes in, covered at the end of this page.
The formula:
Due date = start date + interval, where the interval is 2 years for high-risk customers, 8 years for medium-risk customers and 10 years for low-risk customers. Days left = due date − as-of date, in calendar days; a negative result is shown as days overdue. If the start date is 29 February and the due year is not a leap year, the due date is taken as 28 February.
For low-risk individual customers the calculator also shows the low-risk window: the later of (due date + 1 year) and 30 June 2026. During that window the institution is to allow all transactions while it completes the updation, and keep the account under regular monitoring.
| Risk category | Periodic updation at least once every | Counted from |
|---|---|---|
| High | 2 years | Account opening or last KYC updation |
| Medium | 8 years | Account opening or last KYC updation |
| Low | 10 years | Account opening or last KYC updation |
Illustrative; confirm with the current Master Direction and your compliance team. The risk category itself is assigned by the institution under its own board-approved policy; this tool does not decide it.
A medium-risk customer last updated KYC on 1 September 2018. Adding 8 years gives a due date of 1 September 2026. As of 2 November 2026 the updation is 62 days overdue.
Had the same customer been low risk, the due date would be 1 September 2028, with 669 days left as of 2 November 2026; if it were missed, the low-risk window would run to 1 September 2029, because one year after the due date is later than 30 June 2026.
A low-risk customer who opened an account on 15 January 2015 and never updated KYC fell due on 15 January 2025. One year later is 15 January 2026, so the window ran to the later date, 30 June 2026. As of 2 November 2026 that customer is 656 days overdue and the window ended 125 days earlier.
The intervals come from paragraph 38 of the RBI Master Direction – Know Your Customer (KYC) Direction, 2016, as amended, which asks for periodic updation at least once every two, eight or ten years for high, medium and low-risk customers, counted from account opening or the last KYC updation. The low-risk window and the reminder rules come from the Reserve Bank of India (KYC) (Amendment) Directions, 2025 of 12 June 2025. That amendment also asks institutions to send at least three advance intimations before the due date, at least one of them by letter, and reminders after it.
RBI revises and reorganises its directions from time to time, and the text that applies can differ by type of institution. Treat this page as a planning aid, not legal advice, and check the current version on rbi.org.in with your compliance team before acting on a date.
The steps for running the campaign itself are in the periodic re-KYC process for banks and NBFCs; how exceptions are reviewed and approved is in the KYC maker-checker and exceptions playbook.
Knowing who is due is the easy part; getting thousands of customers to respond is the work. With AutoKYC, customers who are due are messaged on WhatsApp or the web, confirm by self-declaration or send updated documents in the same conversation, the documents are read and matched to the record as they arrive, and only the exceptions reach a person, with the reason. Your policy rules decide, and every step is kept in one audit log.
Under the RBI KYC Master Direction, periodic updation is due at least once every 2 years for high-risk customers, 8 years for medium-risk and 10 years for low-risk, counted from account opening or the last KYC updation. Confirm the current text and your institution’s policy.
At least once every 10 years. Under the June 2025 amendment, low-risk individuals who are due can keep transacting while updation is completed within one year of the due date or by 30 June 2026, whichever is later.
Where a customer’s KYC information has not changed, the Master Direction allows a self-declaration through channels such as the registered email or mobile number, digital banking or a letter. A change of address or other details needs supporting documents. Check what your institution offers.
That depends on the current RBI direction, the customer’s risk category and the institution’s policy. Low-risk individuals have the window described above; for anything else, ask your bank or your compliance team.
See it on your own data. AutoKYC — Onboarding in hours, on WhatsApp. Book a 30-minute working session with an engineer.
