HDFC Bank has officially launched video KYC (Know Your Customer) facility for new customers. Now prospective customers can Apply for Personal Loan or open Salary Account 100% digitally.
The process for video KYC is completed in real-time online. For digital verification the interaction between a Bank official and the customer will be recorded to establish the identity. The process will be thoroughly paperless and contactless.
The bank has launched the consent-based Video KYC facility as an alternate method to verify the customer’s identity in a safe and secure environment digitally. The facility has been launched in a phased manner, wherein in the first phase it is available for HDFC Personal Loans, Savings Account and Corporate Salary Accounts. The other products will be soon added.
HDFC Bank’s Video KYC: The Process
To use video KYC facility, a customer will require following:
The customer will need original PAN card.
Also, the customer should be in India while performing the video KYC process.
The steps:
First up, Aadhaar OTP-based EKYC needs to be completed while completing bank application form.
As the customer completes Aadhaar eKYC through the Bank Website or app (Account Opening App available on Playstore), a link is shared on a registered mobile & email.
Through this link the customer is connected to a bank official who will complete the video KYC process.
The official will verify customer details, and click pictures of customer and his/ her PAN Card.
The Video KYC’s audio-video interaction is checked before activating the account.
Amid COVID Times, RBI has said that Video KYC is equivalent to full KYC. Thus you can access all financial and banking products as per your eligibility. There are no limitations, whatsoever.
The facility of video KYC can be accessed on all working days from 10 am to 6 pm.
FAQs
Video KYC is a consent-based, audio-visual know-your-customer facility. Using Video KYC, the bank can facilitate bank products without any contact. The process can be compelted from the comfort of customers’ home. In this process a bank official records an interaction with customer to establish identification for KYC. Thus you no longer need to visit the branch for opening the account or applying for loan.
HDFC Video KYC is open to resident Indians above 18 years of age. The applicant should also share consent or approval to open a relationship with the bank through Aadhaar OTP based KYC. An Original PAN Card will also be required.
Average Monthly Balance (AMB) will be as per the chosen product.
No. The Video KYC process is just like a full KYC process. No limitations are placed for such accounts.
The steps for video KYC are:
1) Fill out a digital Personal Loan or Savings Account form online.
2) Provide consent for video KYC
3) Following the consent, a Bank official will join to complete the process.
Yes, the process can be completed in the real-time from your home. There is zero-contact and thus it is completely safe and convenient process.
The video KYC can be completed on all working days between 10am to 6 pm.
Updated On Jun 26, 2026
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Written By Priyanka JainContent WriterLoans & Credit Cards
Priyanka Jain is a seasoned Omni-channel content specialist, recognized as ‘top 50 content marketing professional-2019’ by World Marketing Congress, CMO. She is an enthusiastic personal finance blogger and writes actively on credit rating, loans, credit cards, insurance, and mutual funds. At MyMoneyMantra, she supports MMM’s core vision to simplify credit decisions and spread financial literacy.
