If you are investing in mutual funds, you need to submit a Know Your Customer (KYC) form. Now, submitting documents has become easier for investors, as they can submit them at post offices in India. The Department of Posts (DoP) and the Association of Mutual Funds of India (AMFI) have signed a Memorandum of Association (MoU) on July 17, 2025, per which more than 1.64 lakh post offices will accept and verify KYC documents for mutual funds and send them further to AMCs. According to the government release, it will benefit the ever-growing mutual fund investors and the AMCs to meet KYC-compliance requirements.
With the vast presence of post offices in India, their involvement in KYC document collection and verification would also help enhance operational efficiency and improve financial inclusion.
According to the release of the government, "The MoU enables postal employees to assist investors in completing KYC forms, verifying and attesting self-attested documents, and transferring them to AMCs."
At present, the MoU has been signed for one year, but it can be renewed. "The agreement, effective for one year from July 2025, is renewable and includes strict confidentiality measures, compliance with SEBI regulations, and robust safeguards to protect investor data" reads the release.
How Will KYC Submission At the Post Office Help Investors?
With the implementation of this MoU, an investor can visit a post office to submit KYC documents. Post office employees will verify and collect the self-attested documents and send the verified documents to the respective AMCs.
How To Check Your KYC Status?
One can check the KYC status of mutual fund investments by visiting the respective AMCs' websites. If it shows 'validated' or 'registered', there is no need to update it. However, if it shows 'on hold' or 'rejected', the investor needs to submit the KYC document and get it updated. Investors can either visit any KYC Registration Agency (KRA) or can do it online using Aadhaar as the officially valid document (OVD).
What Happens If KYC Is Not Updated?
According to the CAMS website, "If the KYC status is On-Hold, as per the current process, both FT (financial transactions) and select NFT (Non-financial transactions) will be restricted until the KYC status is remediated by submission of modification request with respective KRA through any of the intermediaries to become KYC Validated."
Sometimes, the KYC shows registered but on hold, it could be either because the documents cannot be verified, the mobile number or email is missing in the documents or not been verified, the PAN is not linked with Aadhaar, or any other deficiency in the KYC. In such cases, "Investor will be required to submit a valid Email and/or Mobile with the existing Intermediary or through any other Intermediary and to be uploaded as KYC modification request with the concerned KRA", per the CAMS website.
How To Submit KYC Documents At The Post Office?
Download the KYC form from the respective AMC website, fill in personal details (name, address, mobile number, email ID, PAN number, etc.)
Attach a copy of the documents, self-attest them, and submit.
The post office employee will verify it and forward it to the AMC.
Doorstep KYC
People having mobility issues, senior citizens, or people who cannot visit the post office can avail themselves of doorstep KYC verification. One is required to call the post office customer service and book doorstep KYC service. A post office staff member will visit such an investor's home for in-person verification.
