Understanding UCO Bank’s KYC Requirement
UCO Bank periodically asks customers to update their KYC details to meet RBI’s “Know Your Customer” norms. Depending on the age of your account, UCO Bank will notify you of that.
It is not just a formality; it helps the bank ensure your account is genuine, your contact details are updated, your address is correct, and your financial activity remains transparent.
Re-KYC is required if:
- You’ve changed your address, mobile, or email ID.
- Your occupation, PAN, or income details have changed.
- You received a Re-KYC notice or SMS from UCO Bank.
- You haven’t updated your details for several years.
If ignored, the account can be marked “KYC Pending,” restricting any withdrawal, transactions such as UPI or NEFT until updated. You will need the UCO Bank KYC Updation form if the bank asks to do your KYC via the branch. If not, you can also use the SMS method for Re-KYC.
UCO KYC Form Overview and Official Download Links
UCO Bank sets 3 forms for individual KYC updation (savings or similar). You will be asked to submit one of the following based on your situation. You can download it here or collect it from the nearest branch as well.
| Form Type | Purpose | Download Link (Official UCO Bank) |
|---|---|---|
| Annexure-1 | Self-declaration in case of no change in KYC information (individual) – This form you will need for just KYC without changing any personal information. | Download Original Self-declaration PDF |
| Annexure-2 | Declaration for change of address only with KYC update | Download UCO Bank KYC Address Only PDF |
| Annexure-3 | Re-KYC / Periodic Updation – Change in KYC and other details – This form you will need if any mismatched information updation or changing any existing details, such as mobile number, family details, or source of income | Download English PDF |
| Annexure-4 (not for regular account) | For Non-Individual customers (Legal Entities) – no change in KYC | Download PDF |
| Valid KYC Documents List | Here, you can check what RBI-approved list of acceptable documents you can provide to your UCO Bank | View List |
Where and How to Submit KYC Documents
You can submit your KYC / Re-KYC documents through any of the following channels:
- By Email: Send the filled form and scanned documents to your home branch’s email ID. You will write an email with a filled Form. You can use Adobe PDF editor or Sejda PDF editor to fill your UCO Bank KYC Form PDF online. Attach all documents that required. You can contact your branch or customer care for this facility first; they will guide you.
- By Post or Courier: Send your signed form and Xerox copies to your home branch address only. You can find your home branch’s correct mailing address on your bank passbook, cheque leaf, or other documents.
- In Person: You can visit your home or nearest UCO Bank branch with original documents for KYC with a form.
How to Find Your UCO Bank Home Branch Email ID
- Go to the official new URL website – https://www.uco.bank.in
- On the homepage, scroll down and tap “Branch Locator”, or you can directly visit here – https://www.uco.bank.in/locate
- In the locator form:
- Select your State
- Select your District or City
- Tap on Search
- A list of nearby UCO Bank branches will appear.
- Find your home branch and tap the Branch Code (it’s clickable).
- On that branch’s details page, you will see:
- Branch Name and Your Address
- IFSC & MICR Codes
- Email ID of the branch (usually something like
br.<branchcode>@ucobank.co.in)
Step-by-Step Filling: UCO KYC Form Annexure-1 (No Change in Details)
If you have received a Re-KYC reminder on your phone but nothing has changed – your address is correct, your mobile number is correct and working, since your last submission, fill Annexure-1. In this form, you will need to reactivate your account.
| Details to fill up | What to Enter | Example / Tip |
|---|---|---|
| Name of Account Holder | As per the passbook or other bank documents, make sure your aadhaar name matches with account records | “Anjali Mehra” |
| Account Number / Customer ID | Your main savings or current a/c number | “02430100012345” |
| Mobile Number | Registered mobile number | “9876543210” |
| PAN / Form 60 | Write PAN number or “Form 60 enclosed” | “ABCDE1234F” |
| Signature | As per bank records | Sign using blue ink |
| Date & Place | Current date and city | “11-Oct-2025 / Jaipur” |
| Acknowledment Copy | Fill in basic info or just leave it | not required |
Documents Needed:
Your Xerox copies (photocopies) of Aadhaar, PAN only, if the bank specifically asks for additional forms, such as FATCA, you can download them via the UCO Bank website. If no PAN is available, you will need Form 60.
How to fill up: UCO Bank Annexure-2 (Change of Address Only with KYC)
If you have shifted residence or want your ATM Card or other bank documents sent to a new address, fill in the UCO Bank Annexure-2 KYC PDF, and your KYC will update with your latest address. Here is what to fill –
| Field | What to write using Black or Blue Ink Pen | Suggestions with examples |
|---|---|---|
| Name of Account Holder | Full name | “Ravi Kumar” |
| Account Number | Put down your active 14-digit account number | — |
| Customer ID | Your CIF number is printed on your passbook or cheque book | |
| New Communication / Mailing Address | Full new address in capital letters | “Flat 21-B, Green Residency, Pune – 411001” |
| City / State / PIN | Mention correctly | — |
| PAN / Form 60 | PAN number or Form 60 | — |
| Signature | Same as bank records | — |
What documents are required with this form only:
You have to attach one self-attested address proof of the new address — such as your aadhaar, Passport, Voter ID, Rent Agreement, or latest utility bill (within 2 months – Bijli bill, Water bill, Gas Bill or other). Also, your PAN scanned copy branch may ask.
Filling Process – Annexure-3 (Change in KYC or Personal Details)
UCO Bank Annexure-3 is the main Re-KYC form used when there are any updates in your identity, contact, occupation, or financial profile. It has a 2-sheet long form. This form looks complex, but it’s straightforward if filled out section-wise. Let’s learn, where to start –
Section 1: Basic Details
| Field | What to Fill | Example |
|---|---|---|
| Account Number(s) | All active account numbers under your name, if single account number, put it | “02430100012345, 02430100056789” |
| Name | Full legal name | “Priya S. Nair” |
| Photographs | Paste one recent passport-size color photo and sign across it | — |
Section 2: Identity, Address, and Proofs
| Parameter | Type | Number | Document Required |
|---|---|---|---|
| Identity Proof | Aadhaar / Passport / PAN / Voter ID / DL | “XXXX-XXXX-1234” | Self-attested copy |
| Communication Address Proof | Aadhaar / Passport / Utility Bill | “Aadhaar ending 1234” | Self-attested copy |
| Permanent Address Proof | If different, mention separately | — | Proof document |
Tip: Use the same document for both address fields if your current and permanent addresses are identical.
Section 3: Personal Details
| Field | What to Fill | Example / Tip |
|---|---|---|
| Father’s Name | Full name | “Suresh Chand Nair” |
| PAN / Form 60 | Enter PAN number or tick Form 60 | “ABCDE1234F” |
| City of Birth | Place of birth | “Kochi” |
| Nationality | “Indian” or specify if other | — |
| Marital Status | Married / Unmarried | Tick married if not updated yet |
| Mobile Number & Email ID | Write only if updating | “9876501234 / priya.nair@email.com” |
| Office / Communication Address | New work or mailing address | Attach proof if new |
| Permanent Address | As per ID proof | — |
| Are you Politically Exposed? | Y / N | Choose “No” if not applicable |
| Related to Politically Exposed? | Y / N | — |
Section 4: Occupation and Financial Details
| Field | What to Fill | Example / Tip |
|---|---|---|
| Occupation Type | Salaried / Self-employed / Business / Student / Retired | Tick appropriate |
| Employer / Business Name | Company or trade name | “ABC Technologies Pvt. Ltd.” |
| Nature of Business / Profession | e.g., IT Services / Retail / Consultancy | — |
| Annual Income or Turnover | Approximate amount | “₹8,00,000 per year” |
| Major Source of Funds | Salary / Business / Pension / Rent, etc. | — |
Documents Required for Annexure-3
| Purpose | Accepted Documents |
|---|---|
| Identity Proof | You need 1 Scanned copy of – Aadhaar/Passport/PAN/Voter ID/Driving Licence |
| Address Proof | Aadhaar / Passport / Utility Bill / Rent Agreement – You can use aadhaar for both Proof. |
| PAN or Form 60 | PAN card copy, or you can use a duly filled Form 60 if no PAN card or your PAN has not received yet. |
| Occupation Proof | Salary slip, ITR, business registration, or professional ID |
| Photo | One color passport-size photo signed across |
How to Submit Your KYC Form
| Mode | Steps | Tip |
|---|---|---|
| By Email | Scan and email the signed form and documents to your branch email ID. you may need physical copy first, for signature then upload in email. | Keep file size under 2 MB. Subject line: “Re-KYC – [Your Name] – [Account No.]” |
| By Post / Courier | Send hard copies to your branch address. | Use A4 envelope; include self-attested photocopies. |
| In-Person Visit | Visit branch during working hours. | Carry originals for verification. |
UCO Bank Visiting Hours and Customer Convenience
Before visiting your branch for KYC or Re-KYC submission, it helps to plan your timing for fast process.
UCO Bank branches are generally open from 10:00 AM to 4:00 PM, Monday to Friday.
- Closed: on the second and fourth Saturdays of each month and all national holidays.
- Lunch Break: typically between 1:00 PM and 2:00 PM — though staff often take lunch in rotation, visiting before or after this slot ensures faster service.
- You can visit at 11:00 AM and submit your form with documents, and the bank will take 2-3 working days to update it. You can call UCO customer care to track your progress.
- If you don’t have time to visit the branch, you can use the Email method. After submitting it takes 7 working days to update.
Your Other FAQs
How to check if my KYC is already updated in UCO Bank?
You can confirm by visiting your branch, UCO customer care helpline, or checking your account status in the UCO mBanking app — if active, KYC is valid.
Are business or current account holders required to file UCO Bank KYC separately?
Yes. Firms, companies, and trusts must use Annexure-4, with business registration documents, PAN, and authorised signatory details.
What is the difference between Form 60 and PAN?
PAN is a government-issued ID for taxpayers. Form 60 is a declaration used when PAN is not available. most banks, for students, minors, account types, they allow to use form 60.
Will my debit card stop working if KYC is not done?
Yes, once your account is frozen due to KYC expiry, your ATM, UPI, and online banking functions will also stop temporarily.
Can a senior citizen submit KYC through a family member?
Yes, if physically unfit. The family member can submit with a signed authorization letter and copy of the senior’s ID proof. or you can book a doorstep banking or you can use Video KYC method for re-kyc.
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