{"id":242975,"date":"2020-01-22T20:12:16","date_gmt":"2020-01-22T14:42:16","guid":{"rendered":"https:\/\/zerodha.com\/z-connect\/?p=242975"},"modified":"2020-04-25T12:30:46","modified_gmt":"2020-04-25T07:00:46","slug":"know-your-kyc","status":"publish","type":"post","link":"https:\/\/zerodha.com\/z-connect\/rainmatter\/know-your-kyc","title":{"rendered":"Know your KYC"},"content":{"rendered":"<blockquote><p>Update: April 25, 2020<\/p>\n<ul>\n<li>SEBI put out <a href=\"https:\/\/www.sebi.gov.in\/legal\/circulars\/apr-2020\/clarification-on-know-your-client-kyc-process-and-use-of-technology-for-kyc_46565.html\">this clarification<\/a> on April 24, 2020 on the Know Your Client (KYC) process. It is in line with what we have described in the post below.<\/li>\n<li>While we have explained authenticating AADHAR through DigiLocker, The Ministry of Finance has put out <a href=\"http:\/\/egazette.nic.in\/WriteReadData\/2020\/219106.pdf\">this notification<\/a> on April 22<sup>nd<\/sup> allowing AADHAR authentication directly from UIDAI for Exchanges, Depositories, and RTAs. This means that a slightly faster non-DigiLocker route should be possible to authenticate AADHAR in the next few weeks for all SEBI registered intermediaries by partnering with any of the entities who have been given approval to authenticate directly in the gazette notification.<\/li>\n<\/ul>\n<p>&nbsp;<\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">The KYC (Know Your Customer) process is the most important part of customer onboarding for any SEBI registered intermediary \u2013 Stockbrokers, Investment advisors (RIAs), Portfolio Managers (PMS), Asset Management Companies (AMCs), and more. The intermediary is required to obtain KYC details of the customer like PAN, Proof of Identity (POI), Proof of Address (POA), Bank details, and also perform In-person verification (IPV). These need to be validated by the intermediary and uploaded to the KYC Registration Agency (KRA). The customer can then use the KYC details available with the KRA to start a relationship with any other intermediary avoiding duplication of effort.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For an intermediary, not following the required KYC process would mean violating PMLA (Prevention of Money Laundering Act) apart from also violating the requirement set by SEBI and exchanges. Since the KYC details once uploaded are used by other intermediaries as well, it is important for all intermediaries uploading information to follow the requisite steps during KYC. In cases of financial fraud, the intermediary who performed the KYC and uploaded information can have serious repercussions if the KYC process wasn\u2019t followed as mandated by SEBI.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Traditionally, the KYC process was physical with an executive representing the firm meeting the customer and validating all the details being provided. As you\u2019d imagine, it was not just a lot more expensive to onboard a client but also slowed down the growth of the industry significantly. Over the last 5 years, thanks to DigiLocker (for original digital IDs and documents), IMPS (for penny drop bank validation), and SEBI\u2019s push towards digital onboarding, most client relationships today are started completely online without any executive having to meet customers in person. The digital process is not only faster but has a much better audit trail as compared to the physical alternative.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As CEO of Zerodha and Rainmatter, I constantly get queries on KYC not only from other brokerage firms but also from startups trying to build a business around capital markets. We now have the experience of running completely online onboarding for nearly 4 years, having gone through multiple inspection cycles, and many instances where our KYC processes were scrutinized closely. With this experience, I thought of sharing what I think are the best practices to follow during the KYC process when allowing a customer to onboard completely online.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The basic essence of KYC is to ensure that all the details provided by the customer are authenticated and verified against originals and that the details provided belong to a real person who is interested in opening an account.\u00a0 While this might seem weird for many, money laundering is a huge problem in this country and is usually done by impersonating someone else or creating <\/span><i><span style=\"font-weight: 400;\">Benami<\/span><\/i><span style=\"font-weight: 400;\"> accounts. This is the reason KYC is an important part of PMLA. This post is in the context of how to have a completely online KYC process while making sure that no financial fraudsters can onboard on the platform.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Validating the authenticity\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Like I explained earlier, the following are the details that are required from a customer for the KYC process that also needs to be validated.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">PAN details\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Proof of Identity (POI)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Proof of Address (POA)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bank account information<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Person opening the account (In-person verification or IPV)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Before you read further, it is important to learn about <\/span><a href=\"https:\/\/digilocker.gov.in\/\"><span style=\"font-weight: 400;\">DigiLocker<\/span><\/a><span style=\"font-weight: 400;\">, if you aren\u2019t already aware.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">DigiLocker is a flagship initiative of the Ministry of Electronics &amp; IT (MeitY) under Digital India programme. DigiLocker aims at \u2018Digital Empowerment\u2019 of the citizen by providing access to authentic digital documents to a citizen\u2019s digital document wallet. The issued documents in DigiLocker system are deemed to be at par with original physical documents as per Rule 9A of the Information Technology (Preservation and Retention of Information by Intermediaries providing Digital Locker facilities) Rules, 2016 notified on February 8, 2017, vide G.S.R. 711(E).<\/span><\/i><\/p>\n<h4><span style=\"font-weight: 400;\">Validating PAN<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">It is trivial for a fraudster to create the image of a PAN card with anyone\u2019s details. There are also physical, fake cards that are so good that it is tough to spot it even if the fake PAN card is held in person. It is hence important that the intermediary doesn\u2019t rely on just a scanned copy of the PAN.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are two ways to currently validate if the PAN details being shared is genuine or not.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.tin-nsdl.com\/services\/online-pan-verification\/pan-verification-overview.html\"><span style=\"font-weight: 400;\">NSDL PAN verification service<\/span><\/a><span style=\"font-weight: 400;\">: PAN number and date of birth can be entered and the service returns if the PAN is valid or not, and the name as per PAN.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/digilocker.gov.in\/\"><span style=\"font-weight: 400;\">DigiLocker<\/span><\/a><span style=\"font-weight: 400;\">: a customer can create a DigiLocker account, map his PAN and share the PAN through DigiLocker within the onboarding experience. Documents shared through DigiLocker comes with a digital signature by the issuer and by law can be considered as good as the original for electronic use.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">PS: Even if the customer is onboarding physically, it is important that the PAN be validated using the NSDL PAN verification service.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Validating POI &amp; POA<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">POI is any document that carries the photo of the customer, name, and date of birth. The POA, in addition to the details required for the POI also requires the customer\u2019s address. If the POA has all the required data, it can also be used as POI. Currently when onboarding customers online, there are only two documents which can act as POI and POA and can be validated.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Aadhaar (masked copy)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Driving License (DL)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The reason only these two is because the customer can currently share digitally signed copies of Aadhaar and DL through DigiLocker which by law can be considered as the original document. UIDAI also has an <\/span><a href=\"https:\/\/uidai.gov.in\/ecosystem\/authentication-devices-documents\/about-aadhaar-paperless-offline-e-kyc.html\"><span style=\"font-weight: 400;\">offline e-KYC process<\/span><\/a><span style=\"font-weight: 400;\"> through which details on Aadhaar can be shared as POI &amp; POA, but is slightly more complicated to implement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Through DigiLocker we also receive the photo of the person along with all the other details required for the proof to be considered as both POI and POA.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are platforms that require customers to upload a copy of Aadhaar and the details are validated using QR code on the Aadhaar code. The issue with this is that QR code doesn\u2019t return the photo of the person and hence, like PAN, can\u2019t be used as proof of identity (POI). Asking clients to create a DigiLocker account (if they don\u2019t already have one), mapping their documents, and then sharing can be a reason for drop-offs. But currently, there is no other alternative.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Can PAN also be used as POI?\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Both, the NSDL and DigiLocker services for PAN, don\u2019t share the photo of the person which is required for any document being used as POI. A fraudster can quite easily forge a PAN Card using his own photo on another person\u2019s PAN Card and use it as POI. As such, PAN shouldn\u2019t be relied upon as POI. Of course, you could match the photo of the scan copy of the PAN with Aadhaar or DL from DigiLocker and then accept it as POI.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Validating the person opening the account (IPV or In-Person verification)<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">While documents from DigiLocker can be considered authentic, since it is an online, mobile OTP based process, it is not possible to know whether the person going through the process is actually the person described in the documents. Someone who has gained access to a person\u2019s DigiLocker account and mobile phone can onboard pretending to be them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here, a video IPV can be performed to make sure that the person is alive and is indeed the person onboarding. This can be done in multiple ways. We at Zerodha send an OTP which has to be displayed by the customer during the IPV to make sure that it isn\u2019t a pre-recorded video on the other side of the IPV. The face from the IPV is matched against the photo from the POI submitted.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Validating bank account details\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Finally, it is important that the bank account that will be used to transfer and receive funds is also validated. Using IMPS, a fund transfer of a small amount (penny drop) can be initiated. This transaction returns the holder\u2019s name and IFSC of the account number to which the money was transferred. This way, the bank account submitted can be validated to ensure that it belongs to the person opening the account.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">I am guessing the next question would be if all funds move in and out of the bank account which is already KYC compliant, shouldn\u2019t SEBI take it a little easy on KYC? The capital market industry has been pushing for this, which saw the creation of a central repository of KYC (CKYC), similar to KRA but covering all intermediaries covered by SEBI, RBI, and IRDAI. The initiative is still not accepted by all the regulators as a central KYC repository and I am guessing we are still many years away from CKYC turning into a common KYC accepted by all intermediaries.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By the way, we might soon have depositories (NSDL, CDSL) offering KYC as a service, where all the KYC processes mentioned above will be offered as a service. This should hopefully solve the KYC pain-point that all financial services businesses face today.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If there are any follow up queries, do post in the comments below.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Best,\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Update: April 25, 2020 SEBI put out this clarification on April 24, 2020 on the Know Your Client (KYC) process. It is in line with what we have described in the post below. While we have explained authenticating AADHAR through DigiLocker, The Ministry of Finance has put out this notification on April 22nd allowing AADHAR [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[478],"tags":[],"class_list":["post-242975","post","type-post","status-publish","format-standard","hentry","category-rainmatter"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.5 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Know your KYC &#8211; Z-Connect by Zerodha<\/title>\n<meta name=\"description\" content=\"Update: April 25, 2020 SEBI put out this clarification on April 24, 2020 on the Know Your Client (KYC) process. 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