Mutual Fund KYC — Sanchay karo

Mutual Fund KYC

One KYC. Every mutual fund you'll ever buy.

Whether you live in Mumbai or Manchester, your KYC is verified once with a KRA and stays valid across every AMC in India. Here's exactly how the process works for resident and overseas investors.

Start my KYC request NRE vs NRO, explained

From submission to your first investment

Typical turnaround once your details are received

UCC activationYour Unique Client Code is created with the AMC/RTA once KYC is verified.

~24 hrsafter KYC verified

Mandate registrationAuto-debit setup via Aadhaar, net banking or debit card, for SIPs and lumpsum.

Up to 72 hrsbank-dependent

You're ready to investPlace your first SIP or lumpsum once UCC and mandate are both active.

Day 4–5typical, end to end

For overseas investors

NRE KYC and NRO KYC are not the same thing

Both let you invest in Indian mutual funds as an NRI, but they're tied to different bank accounts, different repatriation rules, and different tax treatment. Pick the one that matches your account, not just your residency.

NRE-linked KYC

Non-Resident External account

Funded by: income earned outside India, remitted in.
Repatriation: fully repatriable — principal and gains can move back overseas freely.
Currency: account is in INR, but funded from foreign earnings.
Best for: investors who want the option to take their money back out of India later.

NRO-linked KYC

Non-Resident Ordinary account

Funded by: income earned within India — rent, dividends, pension, etc.
Repatriation: restricted, subject to RBI limits and tax clearance (Form 15CA/CB).
Currency: holds your India-sourced income, in INR.
Best for: investors managing income that originates in India.

What stays the same: your PAN, your KYC documents, and your Indian mobile number registered with the folio. What changes is purely which bank account your investments and redemptions move through, and how those funds can later leave India.

Tax residency

FATCA & your foreign tax ID (TIN)

If you're tax-resident anywhere outside India, mutual fund regulations require a FATCA/CRS declaration alongside your KYC — this is standard for every AMC, not specific to Sanchay karo.

What you'll need to declare

Your country (or countries) of tax residency, and the Tax Identification Number (TIN) issued there — for example, an SSN or ITIN in the US, an NI number in the UK, or the equivalent in your country of residence. This is the same information your foreign bank already asks for.

Where this goesYour declaration is recorded against your folio with the KRA — it isn't shared publicly or with third parties.

How we collect itOur customer care team verifies and updates your FATCA/TIN details directly with you over a recorded call or your registered email — never over WhatsApp or open chat.

If it changesIf you change tax residency later, you can request a FATCA update through the same channel — no need to redo full KYC.

If you skip itFolios without a FATCA declaration on file can be restricted from further transactions until it's completed.

Get started

Request your KYC callback

Share your basic contact details below. A Sanchay karo team member will call or email you to securely collect and verify your documents — we never collect PAN, Aadhaar, passport or bank details through this page.

Tell us how to reach you

Two minutes, and we'll take it from here.

24 hrs

Typical UCC activation after KYC verification

≤ 72 hrs

Mandate registration via Aadhaar, net banking or debit card

1 KYC

Works across every AMC you invest with in India

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Regulatory Disclosure: www.sanchaykaro.com is an online website Registered name: Mr. PALLAB ROUTH | AMFI Registered Mutual Fund Distributor | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-27 |BSE STARMF Member ID: 63447|NSEMF Member ID: 1009479|MSME: UDYAM-WB-12-0123391| Self-help tool, not advisory. No charges, no return guarantees. Mutual Funds are subject to market risks. Read scheme documents. Past performance may not sustain. Check Exit Loads & TER before investing. We deal only in Regular Plans (we earn trailing commission – disclosed at investment). Direct Plans (lower expense ratio) are available but we do not deal in them.