What is CAMS KRA?
- 8th September 2025
- 02:00:00 PM
- 7 min read
CAMS KRA plays a crucial role in simplifying the KYC process for mutual fund investors in India. Out of over 11 crore investors, nearly 7.9 crore have completed their KYC, which is essential for beginning their investment journey.
Managed by Computer Age Management Services, CAMS KRA securely maintains KYC records and ensures smooth verification. Understanding the significance of CAMS KRA KYC, the registration procedure, and the steps to verify your details is vital for hassle-free investing.
Objectives of CAMS KRA KYC for Mutual Funds
CAMS KRA KYC makes the KYC requirements much easier for mutual funds. The pointers below show the objectives of CAMS KRA:
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Safeguarding Investors’ Identity
CAMS KRA ensures accuracy and protects investor information from fraudulent activities.
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Streamline Onboarding
This agency keeps all the verified KYC records and eliminates the need for repeated KYC checks. This simplifies the onboarding process for new investors.
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Compliance
CAMS KRA ensures regulatory compliance by creating a transparent investment environment for all stakeholders.
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Fraud Prevention
CAMS KRA safeguards the investment environment and funds from financial crimes.
CAMS KRA KYC Procedure
Now that you know what is CAMS KRA, let us know the CAMS KRA KYC procedure with the steps below:
- Fill out the KYC form online or offline by contacting a mutual fund house or any intermediary. You need to provide your personal details, contact details, and financial details.
- Along with the form, you must submit self-attested copies of your PAN card for identity proof and an Aadhaar card for address proof.
- The CAMS KRA will review your details. This may include physical verification or even in-person verification in some cases.
- You will receive a KYC acknowledgement after the verification is successful. It is crucial to invest in mutual funds or any other securities. This ensures the investor’s KYC compliance.
How Can You Check CAMS KRA KYC Status?
You can check the CAMS KRA status both online and offline. You can choose any one procedure given below:
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Online Procedure
- Go to the CAMS KRA website.
- Choose the KYC Status window.
- Enter your Aadhaar card, PAN card, and other necessary details to log in.
- After you successfully log in, you can easily see your KYC status, whether it is ‘completed’, ‘requires action’, or ‘under process’.
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Offline Procedure
- To check the CAMS KRA KYC status offline, go to the nearest CAMS KRA centre.
- Submit the required details to log in.
- You will get assistance from a service representative with your KYC status.
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Different Types of CAMS KRA Forms
Before you start filling out the CAMS KRA form, you need to pick up a suitable form for you. Below are the different types of CAMS KRA forms:
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Individual Investors Form
This form is for your personal investments, and if you are applying for KYC under your personal name. This form requires your name, address, date of birth, and identity proof. You can easily start a lump sum investment or a systematic investment plan (SIP) after the KYC is approved.
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Non-Individual Investors Form
This form applies to entities like companies, institutions, and trusts that are investing. It requires additional documents like authorised signatories and board resolutions, which makes it more comprehensive.
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Forms for Minor Investors
Forms for minor investors are for individuals under 18. Guardians have to submit their details and their relationship with minors.
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Modification Form
If you have to update or change your personal information over time, you can use the modification form. This form allows easy update of identity, address, and other details to the KYC records.
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KRA KYC Change Form
You can use the KRA KYC change form to make amendments to your KYC information with less effort. You can make changes to both personal data and organisational information quickly by maintaining accuracy in the KYC database.
Benefits of CAMS KRA
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No Multiple KYC Processes
The CAMS KRA eliminates the use of multiple KYC processes by keeping KYC data in a database.
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Convenience
You can access your CAMSKRA KYC status and updates conveniently. In addition, you may ensure the records are up-to-date, which can provide you with a hassle-free experience of mutual funds investment.
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High Security
One of the top benefits of CAMS KRA is its centralised data storage, which enhances the security of your KYC information. It implements advanced security measures to protect your KYC against data breaches and any unauthorised access.
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Time Saving
CAMS KRA also reduces the time taken for KYC verification. You do not have to submit your KYC documents multiple times when investing in different funds. This ensures quicker transactions and ease in management.
SEBI Guidelines on KRA Agencies
To ensure a standardised and transparent KYC process, the Securities and Exchange Board of India (SEBI) has issued some guidelines for the CAMS KRA. These are:
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Data Privacy
One of the key aspects of the SEBI guidelines is data privacy. SEBI asks KRAs to implement stringent security measures to protect investors’ KYC data.
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Centralised KYC Records
The KRAs should maintain a centralised database of KYC data and ensure that all of them are accessible to all financial institutions. This makes the overall process more standardised and less redundant.
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Regular Audits
As per the SEBI guidelines, KRAs also have to conduct regular audits to ensure data privacy measures for KYC records. With these audits, they can identify any problems or weaknesses in the KYC.
Final Thought
CAMS KRA has made the KYC process very smooth and secure, but keeping it in a central depository. It eliminates the need for multiple KYC processes, enhances convenience and security, and saves time.
Download the PL Capital application and invest in mutual funds in a hassle-free procedure. PL also offers you to invest in mutual funds via both a lump sum and a systematic investment plan (SIP).
Frequently Asked Questions
1. Is there any offline procedure for completing CAMS KRA KYC?
Yes, you can complete your CAMS KRA KYC offline by visiting your nearest CAMS KRA centre.
2. How much time does it take to complete KYC using CAMS KRA?
It takes a few days to complete KYC using CAMS KRA. However, it also depends on the IPV completion and document verification.
3. Is it possible to invest in mutual funds without completing KYC using CAMS KRA?
No, you cannot invest in mutual funds without CAMS KRA KYC completion, since it is mandatory to complete KYC as per the regulatory requirements.
4. How does the CAMS KRA KYC process help investors?
CAMS KRA KYC helps investors by providing a secure, convenient, and hassle-free KYC process.
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Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making related decisions.
