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Home / FAQs on KYC
Frequently Asked Questions (FAQs) on Know Your Customer (KYC) guidelines

What is KYC?

To which category of customers are these KYC requirements applicable?

What documents are collected under KYC?

Why should I / We comply with KYC norms?

Does a Nominee have to be KYC compliant?

Is it necessary for a minor to be KYC complaint?

For a HUF customer, who has to provide the details?

Can the address proof and identity proof be of any date?

Can a document serve two purposes i.e. both as proof of Identity and Address?

All applicants have the same address. Do we need to give separate documents evidencing address?

Can I / We submit the “photocopy of an attested copy” of an original document?

After submitting KYC for with application form, I / We have changes to be effected in the mandatory KYC information. What is to be done?

If I want to change my name after marriage then what should I do in terms of PMLA?

In case of change in my address, how do I need to update the same?

NOTE: This FAQ is only meant to clarify certain basic questions around Prevention of Money Laundering Act, 2002. The information given is included only for general purpose and the customers should be aware that the relevant rules, regulations, or their interpretation might change. We strongly advise customer to contact our Call Centre/ HFC branches / Registrar for any additional information / clarifications. Please read the notes, guidelines and checklist given on the application forms before filling up / submission of the same to HFC / its representatives. Please visit the website of the Financial Intelligence Unit of the Government of India at www.fiuindia.gov.in or the website of National Housing Bank at www.nhb.org.in regularly, for further information.

The Government of India has announced the implementation of Goods and Services Tax (GST), which is effective from 1st July, 2017. Please note, the existing service tax rate of 15% on all charges levied by Religare Housing Development Finance Corporation Limited shall be replaced by a GST rate of 18% as applicable for financial services.

RHDFCL urge customers to make maximum use of the e-payments facility for the repayment of their loan. Changing loan repayment mode to Electronic Clearing System will attract Nil charge.

The prevailing rate of interest of various loan relationships with Religare Housing Development Finance Corporation Limited have been revised from 1st November, 2018. For more information please get in touch with our Customer Service team at 1860-266-411 & 1800-103-9711 or visit our nearest branch office near your location.

Religare Housing Development Finance Corporation Ltd. "A subsidiary of Religare Finvest Ltd. Religare. All Rights reserved

* Loans will be at the sole discretion of RHDFC
Religare is a registered trademark of RHC Holding Private Limited used under license by Religare Enterprises Limited and its subsidiaries.


It has been brought to our notice that certain unscrupulous individuals/ entities are issuing fake sanction letters purportedly issued by Religare Finvest Limited (referred to as RFL hereinafter and includes all subsidiaries of Religare Finvest Limited) to individuals. Such individuals/ entities demand cash or fund transfer to an individual bank account or purchase of a new insurance policy for processing the loan application. These individuals/ entities are fraudulently and illegally misusing Religare Finvest Limited’s corporate name and/ or brand names to lure the General Public and are harming both, our reputation, as well as exploiting the General Public. By way of this notice, we intend to caution the General Public against such elements.
The General Public is advised and cautioned not to rely or act on any such fraudulent offers or sanctions made in the name of RFL without verifying the authenticity of the contents with RFL. We request you to deal with RFL directly through its existing branch offices only, the addresses for which are available on our websites www.religarefinvest.com and www.religarehomeloans.com. Please note that if you intend to apply for a loan from RFL or its subsidiary Religare Housing Development Finance Corporation Limited (RHDFCL), the application fees and/ or processing fees must be paid by Account Payee Cheque or Demand Draft payable to ‘Religare Finvest Limited’ or ‘Religare Housing Development Finance Corporation Limited’ only.
Please note that any person who deals with such unscrupulous individuals/ entities shall be doing so at its own risk and RFL will not be liable or responsible for any kind of loss incurred or damage suffered or any consequences arising thereof. Those desirous of availing loans from RHDFCL may apply online on our website OR speak to our executives on 1860-266-4111 & 1800-103-9711 OR visit any of our branches

- Religare Housing Development Finance Corporation Limited