!
KYC needs one small fix.
The CKYC registry flagged a mismatch on your photograph. Nothing alarming — but we need a cleaner upload before you can open your BYLD account.
Reason from CERSAI
Photograph clarity below threshold
The face in the uploaded PAN was obscured or too low-resolution for automatic match with your Aadhaar photograph. This is an automated CKYC reject — no human officer has looked at your file yet.
REF · KYC-RJX-2026040908-A · Code: 4.2-PHOTO
Three steps to fix this
1
Skip the manual PAN upload
Use DigiLocker instead — the photograph comes directly from UIDAI and is always accepted.
2
Keep your Aadhaar number handy
DigiLocker will pull PAN, Aadhaar, and address proof automatically after an OTP on your registered mobile.
3
Re-submit within 24 hours
Your application stays in draft for 24 hours. Beyond that you'll need to start fresh — but the form-fill stays saved.
MIA · guidance
This happens to about 1 in 12 manual uploads.
DigiLocker skips the photo-clarity check entirely because UIDAI signs the document. Most users complete the re-submit in under 90 seconds.