RBI’s Re-KYC Communication Mandate Explained (2025)

 The RBI’s 2025 amendments to the KYC Directions bring renewed regulatory focus to customer communication during Re-KYC. While periodic KYC updates were already mandatory, institutions are now explicitly accountable for demonstrating reasonable, documented efforts to reach customers before taking restrictive actions such as account freezing or transaction limits


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This article breaks down the Re-KYC communication mandate from an operational and compliance perspective. It explains RBI’s expectations around multiple communication attempts across the Re-KYC lifecycle, the explicit requirement for physical letters when customers remain non-responsive, and the need for provable, auditable evidence of outreach. The regulator’s emphasis has shifted from intent to execution—processes must be demonstrable, not assumed.

The article also addresses the practical challenges institutions face with physical communication, including fragmented vendor handling, weak audit trails, and manual documentation that does not withstand supervisory review. From RBI’s standpoint, physical letters serve as evidence of last-mile effort and due process, particularly where digital channels fail.

Within this context, OnGrid supports regulated entities by enabling end-to-end physical letter delivery as part of Re-KYC workflows. OnGrid’s approach focuses on automated triggering, verified delivery, and system-level logs that align with audit and supervisory requirements—treating physical communication as infrastructure, not an afterthought.

https://gridlines.io/blogs/understanding-rbis-2025-re-kyc-communication-mandates/ 

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