What Happens When Your ICICI FASTag KYC Is Only Minimum
When you first order an ICICI Fastag for the first time, it usually comes with basic minimum KYC and limited benefits. It is a general verification where only your mobile number, vehicle details, and a few documents, such as PAN, your vehicle RC number, and number plate, are linked.
This is enough to issue a tag, delivered to your address, and working on toll plazas, but it comes with strict limits that you may face, such as –
- You can’t load more than ₹10,000 in a month.
- Wallet balance can never cross ₹10,000 at a time.
- Total top-ups in a financial year are capped at ₹1,20,000.
- No option to transfer or withdraw funds.
For someone who drives occasionally, this works quite well; however, if you drive daily on highways or have a fleet of vehicles, you will hit these limits very quickly. That’s why ICICI do multiple notifications weekly to update your KYC and get full benefits.
How to Update ICICI FASTag KYC Online
If you are a regular customer, here steps to cover –
Step 1: Log in to the FASTag Portal by ICICI Bank.
- Go to the FASTag Portal and log in as an individual account.
- Here, just log in via your registered mobile number.
- Enter the 8-digit long received OTP and navigate the dashboard.
- If you have multiple fastag IDs linked to the same number, select your mini-KYC account.
2 Step – Look for the KYC Upgrade Banner
- Usually, for min-KYC users, a banner will appear: “Upgrade to Full KYC”.
- Click on it to update it.
3 Step – Provide Required Details
- Now, it redirects you to the Video-KYC page, where you have to type your fastag customer ID, mobile number, and your vehicle number plate details.
- After OTP, fill in details such as occupation, mother’s name, education, and source of income.
- Also, to fetch your Digi-locker account, it asks for your PAN and Aadhaar.
- Aadhaar OTP required to complete the process.
4 Step – Complete Video KYC
- You will need your Original PAN Card, a blank piece of paper to sign and show the front of the camera.
- Wait for the executive to approve in real-time.
- You will get an SMS on your mobile phone about a successful KYC update on their system.
When to Expect KYC Approval After Submission
- Video KYC: Usually around the same day to 48 hours.
- Branch submission: 2–3 working days.
- Corporate accounts: Sometimes 5–7 working days due to extra paperwork.
Notice: If it takes longer, raising a ticket through the fastag customer care number 1800 2100 104 usually speeds it up.
Where can you check the current KYC Status of your FASTag
It is quite simple to find and update it –
- First of all, you have to visit the customer portal designed by ICICI Fastag.
- Tap on the existing user and select your customer type – Individual or Corporate Login.
- After selecting, now enter your mobile number or username and fill out the captcha code.
- Here, you will need to enter the OTP that you received on your linked mobile number.
- On the dashboard, your KYC Status will show as either Minimum KYC or Full KYC.
Note for you – This status check is very important before you try any update your fastag account KYC. Many people already assume they are already on full KYC because they have done vehicle KYV verification, but that’s not the case.
What to Do if Online Video-KYC Update Doesn’t Work
Not everyone clears video KYC on the first attempt; it happens due to Internet drops, wrong timing, server errors, poor lighting, or duplicate PAN cards can cause rejection. If that happens, you have to visit the Fastag Centre or a branch –
- Find and visit any nearest ICICI Bank branch with your original PAN, Aadhaar, or Vehicle RC.
- Fill the FASTag KYC application form and attach scanned copies of your Aadhaar, PAN, and RC.
- The branch team submits documents to the FASTag team.
- KYC usually updates within 2–3 working days.
Which Documents are Accepted for ICICI FASTag KYC?
For Individual Customers
- Aadhaar Card (digital or scanned copy)
- PAN Card (only number or photo)
- Driving Licence (if Aadhaar not available)
- Passport
- NREGA Job Card
For Corporate Customers
- GSTIN (for travel and multiple businesses)
- Incorporation Certificate
- Partnership Deed
- Udyam Registration Certificate
- Company PAN
- List of Partners/Directors
- Authorised Signatory ID & Address Proof
Difference Between Minimum KYC and Full KYC
| Feature | Minimum KYC | Full KYC |
|---|---|---|
| Wallet Balance Limit | ₹10,000 | ₹1,00,000 |
| Monthly Loading Limit | ₹10,000 | No such limit |
| Annual Loading Limit | ₹1,20,000 | Higher flexibility |
| Funds Transfer | Not allowed | Allowed back to the source account |
| Cash Withdrawal | Not allowed | Allowed (closure proceeds only) |
| Verification Level | Mobile OTP + basic ID | PAN + Aadhaar + Video KYC / Branch KYC |
Where the Confusion Between Full-KYC and KYV Comes From –
Most users got confused that KYV (Know Your Vehicle) is the same as ICICI Full-KYC, not really. Both are separate,
- KYV = In simple words, it means uploading your RC copy, Fastag with car image, and vehicle front image so that the tag is tied correctly to your car.
- KYC = Verifying you as the customer via Video call or Branch visit using Identity documents like PAN, Aadhaar, Driving License, Passport, etc.
However, if you have a minimum KYC or a fully-digital KYC, KYV is still required for both accounts. Without KYV, toll plazas may reject your tag if the details don’t match.
Where to update my KYV (Know Your Vehicle) in ICICI FASTag
- Firstly, download and open the ICICI iMobile Pay app
- Log in with your mobile number
- Go to Bill Payments → FASTag Services
- Select your tag account
- Tap on Upload KYV Documents
- Here, you have to click and upload a clear picture of the RC front, back, and your vehicle picture with the clear fastag ID from inside the car.
This process links your FASTag to your vehicle records in ICICI’s system within 24 hours.
Fastag users add-on Questions
How to Update Minimum KYC Details in ICICI Fastag without Full-KYC?
You can simply call customer care from your linked mobile number, provide your customer ID and generate a ticket to update any incorrect information without upgrading to Full-KYC.
Can I continue with minimum KYC if I only use FASTag occasionally?
Yes, but only for 24 months; After KYC expires, you may face suspension if not upgraded as per RBI guidelines. For occasional use, it’s fine, but for frequent travel, full KYC is recommended.
How do I check if my FASTag wallet has expired due to incomplete KYC?
Firstly, visit the ICICI FASTag portal and check your wallet status. If the account shows “Suspended” or “Blocked due to KYC,” you need to complete re-KYC immediately. For Re-KYC, you can visit a branch or call for customer care to raise a request.
This article was written by Nanne Parmar, a fintech expert with a DCA degree and a commerce background, with 6+ years of experience in finance, fintech, and banking. Nanne has worked extensively in AI tools for banking, financial calculators, and fintech products. As the founder of EaseMoney, he focuses on making complex financial concepts simple for Indian users.