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Top Q&A this week
What is the latest RBI KYC periodic updation timeline?
High-risk customers — every 2 years; medium-risk — 8 years; low-risk — 10 years. Updation can be done via V-CIP for eligible categories.
— Aarti S., DGM Compliance, PSU Bank
How do we classify renewable energy loans under PSL?
Loans up to ₹35 crore to borrowers in solar, wind, biomass and small hydro qualify under Priority Sector — Renewable Energy sub-target.
— Rohit M., Chief Manager Credit, Private Bank
Is video-KYC valid for opening BSBDA accounts?
Yes. As per the latest Master Direction amendment, full V-CIP onboarding is permitted for BSBDA with simplified document capture and Aadhaar OTP fallback.
— Megha P., Branch Head, SFB