--- title: Know Your Customer (kyc) canonical_url: https://sanchaykaro.com/know-your-customer-kyc/ last_updated: 2026-06-20T12:21:52+00:00 plugin_version: 1.2.2 --- # Know Your Customer (kyc) 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](#start) [NRE vs NRO, explained](#compare)From submission to your first investment ---------------------------------------- Typical turnaround once your details are received 01 **UCC activation**Your Unique Client Code is created with the AMC/RTA once KYC is verified. **~24 hrs**after KYC verified 02 **Mandate registration**Auto-debit setup via Aadhaar, net banking or debit card, for SIPs and lumpsum. **Up to 72 hrs**bank-dependent 03 **You're ready to invest**Place your first SIP or lumpsum once UCC and mandate are both active. **Day 4–5**typical, 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](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757 "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 goes**Your declaration is recorded against your folio with the KRA — it isn't shared publicly or with third parties. **How we collect it**Our 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 changes**If you change tax residency later, you can request a FATCA update through the same channel — no need to redo full KYC. **If you skip it**Folios 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. Full name Indian mobile number +91 This stays your registered folio number, even after KYC. Email address I am investing as a Select one Resident Indian NRI – NRE account NRI – NRO account Minor (via guardian) HUF / Corporate / Trust PAN (optional, last 4 characters only) Just enough for us to look up an existing KYC, if any. I agree to be contacted by Sanchay karo's KYC team by call or email. I understand I will never be asked to share full PAN, Aadhaar, passport or bank details over WhatsApp or chat. Request callback ✓ Request received. Our KYC team will reach out on your registered mobile number or email within one business day to securely complete verification. 24 hrsTypical UCC activation after KYC verification ≤ 72 hrsMandate registration via Aadhaar, net banking or debit card 1 KYCWorks across every AMC you invest with in India