Kotak FASTag lets you pay the toll fees electronically at the toll booths in India. It offers great convenience, especially during long trips when you cannot keep petty cash with you all the time. However, as per the RBI rules, you must complete the KYC verification to continue using the FASTag without any issues. It helps the bank validate the customers using their FASTags. Upon failing to verify the FASTag, it may be suspended or blocked by the bank. So, update your KYC immediately to continue using the Kotak FASTag without any hassles.
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What is FASTag KYC, and why is it important?
FASTag KYC means confirming that you are a valid user of the FASTag. It verifies your identity and address along with the vehicle on which the FASTag is affixed. This also prevents anyone else from using your FASTag. After updating the KYC status to full KYC, you can start using the FASTag across the country without any issues. Also, you can top up the FASTag balance as much as you want without any upper limit restrictions.
Types of FASTag KYC
FASTag KYC can be of two types. When you activate your Kotak FASTag card with a few documents such as the Registration Certificate (RC) of your vehicle and Aadhaar Card, it is considered as minimal or partial KYC. When you provide other documents that verify your identity and address along with the vehicle you are using, the KYC status will be updated to full KYC. Further differences between these FASTag KYC types are highlighted below:
| Comparison Points | Minimum KYC | Full KYC |
| Required Documents | Mobile number, vehicle’s RC, any ID proof such as Driving Licence or Aadhaar Card | Proof of identity, proof of address, RC, and mobile number. |
| FASTag Balance Limit | Rs. 10,000 | Rs. 1 lakh to Rs. 2 lakh |
| Monthly Recharge Limit | Up to Rs. 10,000 | No limit or higher limit |
| Usage Type | Occasional use | Heavy or frequent use |
| Annual Limit | Rs. 1,20,000 | No specific annual limit |
| Any further upgrade required? | Yes, can be further upgraded to full KYC | No |
| Validity | Up to 24 months | Lifetime Validity |
Documents Required for Kotak FASTag KYC
Here are the documents needed to update your FASTag KYC status to full KYC:
- POA: Proof of address such as Aadhaar Card or any other utility bill can be submitted for verifying your address.
- POI: Proof of identity such as Passport, voter’s ID, driving licence, etc. can be submitted to verify your identity.
- Vehicle Documents: Submitting the front and back copies of your RC is mandatory.
- Vehicle Photographs: Along with that, you must also capture photographs of your vehicle from the front, side, and back angles. It must cover both the front and back number plates along with the windshield photograph that contains the FASTag card.
- One passport-sized photograph must also be submitted along with these documents.
How to Update Kotak FASTag KYC Online?
Kotak FASTag portal or Kotak Mahindra mobile banking app can be used to complete the FASTag KYC verification online. Lets check these ways of of updating your Kotak FASTag KYC online in detail now:
- Via Kotak FASTag Portal
You can update your Kotak FASTag KYC by visiting the Kotak FASTag portal. After logging into this site, check for the ‘KYC’ option in the ‘My Profile’ section. Enter your personal details such as date of birth, name, email address, etc. Now, upload the aforementioned documents and submit them.
A similar process can be followed on the Kotak Mahindra mobile banking app to complete the FASTag KYC verification.
- Via Email Desk
You can also contact the email desk of Kotak FASTag portal to get the link of the KYC verification.
Kotak FASTag KYC Charges
No charges are levied for updating the Kotak FASTag KYC status to full KYC. Apart from the initial activation charge of Rs. 100 and a refundable deposit of Rs. 200 for Light Motor Vehicles (LMV), no other charges are to be paid for FASTag KYC verification.
How to Check Kotak FASTag KYC Status?
Follow these steps to check the Kotak FASTag KYC status:
- Step 1: Login to the Kotak FASTag KYC portal with your login credentials first. Then, go to the ‘My Profile’ section and select the ‘KYC’ tab.
- Step 2: Here, you’ll be able to check whether your Kotak FASTag KYC is complete or pending.
You can also contact their support team on 1860-266-6888 to know the FASTag KYC status.
What Happens if FASTag KYC is Not Updated?
If you don’t verify the FASTag KYC within the required time frame, your FASTag card will be either suspended or deactivated. You won’t be able to use the FASTag card or update its balance after this. This means, you would have to pay via cash at the toll booths till you reactivate the FASTag or acquire a new one. The non-FASTag payment attracts double toll charges than the standard. So, if you don’t get the full KYC status, you will have to bear the additional toll charges.
Common Issues While Updating KYC & Fixes
The following reasons can result in the rejection of your FASTag KYC verification request:
- Incomplete Documents
If you don’t submit all the required documents for the Kotak FASTag verification, your KYC update request will either be pending or get rejected. Therefore, keep all the documents ready while updating the KYC status.
- Inconsistent Details
Your name, date or birth, and other details should be consistent across the documents. If there is any mismatch in these details, your KYC verification request will get automatically rejected. So, always double check the documents to ensure that every detail is consistent. If not, update them first and then proceed with the verification process.
- Slow Internet
Lack of internet connectivity can create issues while uploading all the documents. So, you must always check the internet speed and stability before initiating the FASTag KYC verification request.
- Invalid Documents
Any documents that are invalid or expired can also lead to rejection of the KYC verification request. For instance, if you submit a Passport which has its validity expired as an identity proof, it will lead to rejection of the KYC update request. Therefore, you must always use valid documents while completing the KYC verification.
Kotak FASTag Customer Care Details
- Helpline Number: 1800 4100 / 1860 266 6888
- Email Support: [email protected]
Summary
These were few ways to update the Kotak FASTag KYC status. Upload only valid documents while verifying your address and identity. Use clear images or photographs of your vehicle and RC book. Also, contact the customer care if you face any issues while updating the KYC status.
FAQs
Q. Can blurry images of the vehicle lead to rejection of KYC verification request?
Yes, blurry or unclear images of the vehicle will lead to rejection of the KYC verification request. Therefore, you must always upload high-quality images that depict the number plate and FASTag attached on the windshield clearly.
Q. Can I upload my voter ID as identity proof for Kotak FASTag KYC update?
Yes, any document that verifies your identity such as Aadhaar Card, Passport, voter ID, driving licence, etc. can be uploaded as a proof of your identity.
Q. Which is the easiest way of verifying your Kotak FASTag KYC?
The easiest way of verifying the Kotak FASTag KYC is through the dedicated FASTag portal of Kotak. Alternatively, you can also use the Kotak Mahindra mobile banking app to complete the KYC verification.
Q. Does Kotak offer video KYC verification for their FASTag cards?
No, Kotak does not offer any video KYC verification for their FASTag cards right now. However, you can complete the online KYC verification through their FASTag portal or mobile banking app.
Q. In how many days will my Kotak FASTag card be verified?
Your Kotak FASTag card will be verified within 3 to 7 working days.
