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Process Note: Online Onboarding of Resident Individual Clients
This dialog explains the prerequisites, required documents, submission
process, and important steps for completing digital onboarding.
I. Prerequisites
Before initiating the online onboarding process, please ensure the
following conditions are met:
Aadhaar-PAN Linkage:
The client’s Aadhaar and PAN must be successfully linked.
KRA Compliance:
The client must be KRA compliant with a status of either
“Validated” or “Registered” in the respective KYC Registration
Agency system.
AML and SEBI Restricted List Screening:
The client must clear the Anti-Money Laundering screening and
should not appear in the SEBI restricted entities database.
Aadhaar-linked Mobile Number Access:
The client must have access to the mobile number linked with their
Aadhaar to receive the OTP during the Aadhaar-based e-signing process.
Note:
If any of the above prerequisites are not fulfilled, or the details
available in KRA are outdated, the client will be required to proceed
through the physical onboarding process.
II. Required Documents for Digital Onboarding
Clients must email clear scanned copies of the following documents
for verification and onboarding:
Aadhaar Card, front and back
PAN Card
Valid address proof, if different from Aadhaar
Occupation and annual income
Net worth details
Marital status
Mother’s name
Nominee details, including Aadhaar, PAN, allocation percentage,
email address and contact number. Up to 10 nominees may be added.
Recent passport-size photograph
Wet signature copy on plain paper
Cancelled cheque bearing the client’s name
Negative list of companies
Disclosure of interest in other entities
Client contact details
III. Document Submission
All the documents listed above must be sent by email to the following
addresses:
Key Steps and What to Expect During the Digital Onboarding Journey
Acknowledgement
You will receive an email and SMS confirming that your KYC details
are being processed through CERSAI CKYC and CVL KRA.
Bank Verification
A penny-drop message will be sent to verify your bank account details.
It will indicate that ₹1 has been credited to your account. This will
be communicated when the onboarding process is conducted by the AMC.
Consent Email
You will receive an email titled “Step 1 of 2 CCIPL – Diversified Long Term”.
It will include the following actions:
Upload Wet Signature:
Upload your previously provided signature or a signature made on
blank paper.
Capture Live Photograph:
Take a photograph to verify your live presence and location. The
photograph will be added to the PMS or custody form.
Provide Consent:
Type your consent manually to acknowledge the terms and conditions.
Do not copy and paste it.
Validate Mobile Number:
Enter the OTP to verify your mobile number.
E-Signing Invitation
After completing the previous steps, you will receive an e-signing
email within 5 to 10 minutes titled “Invitation to Sign CCIPL Documents”.
E-Sign Process
The e-sign platform will guide you through the following steps:
Review the form, signatory information, live photograph and audit
trail report.
Choose Aadhaar OTP or Digital Signature Certificate.
Enter your Aadhaar number and OTP on the NSDL page to complete the
e-signature.
You may receive the following emails. The number of emails may vary
according to AMC requirements:
Consent email
E-signing PMS form
E-signing custody form
An additional email for annexures requiring Aadhaar-based e-signing,
where applicable.
Important Considerations
Use a stable internet connection, preferably on a laptop or desktop
computer.
Enable browser location services to complete the e-signing process.
Select “Allow” when the browser requests permission to access your
location.
