Why was the account opening application put on hold?
The account opening application can be put on hold for multiple reasons. The rejection reasons and the documentation required to correct them are sent in an email and mentioned in the below table:
PAN
| Rejection reason | How to rectify it? |
| The PAN copy does not have a signature. | Sign in the Applicant signature box on the PAN card, self-attest the copy and upload it by visiting signup.zerodha.com. See, Prerequisites before uploading PAN . |
| The PAN copy is not clear. | Upload a clear, self-attested PAN copy by visiting signup.zerodha.com. |
| The applicant's photo is not clear on the PAN card. | Upload a clear, self-attested PAN copy by visiting signup.zerodha.com. |
| Name mismatch between PAN and address proof. | Upload the self-declaration letter (PDF) or provide an alternative government ID or affidavit in English or Hindi by visiting signup.zerodha.com. |
| Name mismatch between PAN and bank proof. | Upload the self-declaration letter (PDF) and banker confirmation letter (PDF) by visiting signup.zerodha.com. |
| The PAN has a thumb impression instead of a signature | Provide an alternative government ID proof with the signature on it or create a ticket with the banker's letter (PDF). |
Income proof details
| Rejection reason | How to rectify it? |
| The income proof submitted is insufficient to enable F&O. | To enable F&O, see How do I activate F&O? |
Bank details
| Rejection reason | How to rectify it? |
| The IFSC or MICR is unclear on the bank proof. | Upload a self-attested alternative bank proof where the IFSC and MICR are clearly printed by visiting signup.zerodha.com. |
| Bank proof is password protected. | Upload a bank proof without password protection by visiting signup.zerodha.com. |
| Provided a current bank account while opening the account. | Upload the banker letter (PDF) by visiting signup.zerodha.com. |
Address details
| Rejection reason | How to rectify it? |
| The address proof is not self-attested or not clear. | Upload a self-attested clear copy of the address proof by visiting signup.zerodha.com. |
| The correspondence address filled in on the KYC page does not match the address proof submitted. |
Online:
Provide a clear, self-attested soft copy of the address proof that matches the address filled in the KYC by creating a ticket. Offline: Courier the hard copy of the KYC page (PDF) and the self-attested matching address proof. |
| The permanent address filled in on the KYC page does not match the address proof submitted. |
Online:
Courier the hard copy of the KYC (PDF) hard copy with a self-attested matching address proof. |
| The address is overwritten on the forms. | Courier the correctly filled KYC (PDF). |
Nominee details
| Rejection reason | How to rectify it? |
| The relationship of the nominee to the applicant was not provided. | Provide the relationship of the nominee to the applicant by creating a ticket. |
| A minor was added as a nominee. | Provide the guardian details, relationship with the nominee and the DOB by creating a ticket. |
| Multiple nominees were added without providing a percentage share. | Provide the percentage share that each nominee should get by creating a ticket. |
Application form
| Rejection reason | How to rectify it? |
| The printed application forms are not clear. | Courier the clear, signed hard copy of the equity (PDF) or commodity (PDF) application forms. |
Signature and photograph
| Rejection reason | How to rectify it? |
| Signatures are missing on a few pages. | Courier the clear hard copy of the signed forms. |
| Incorrectly signed on the 2nd or 3rd holder field. |
Courier the clear hard copy of the correctly signed forms. Signing instructions for equity (PDF) and commodity forms (PDF) . |
| The signature is inconsistent across the forms. | If there is a minor difference among the signatures, create a ticket with the self-declaration form (PDF). If the signatures are completely different from each other, courier the account opening forms. |
| The photograph is missing on the KYC page. | Courier the KYC (PDF) with a colour passport-sized photograph affixed and cross-signed. |
| The signature copy is not clear. | Upload a clear copy of the signature by visiting signup.zerodha.com. |
| A file with multiple signatures is uploaded. | Upload a file with one clear signature by visiting signup.zerodha.com. |
| A sketch pen or marker is used to sign the specimen signature. | Upload a clear signature signed with blue or black ink by visiting signup.zerodha.com. |
Contact details and multiple holders
| Rejection reason | How to rectify it? |
| The provided contact details are already registered with another Zerodha account. | Courier the KYC (PDF) with the new contact details if the contact details were filled in. If the contact details were not filled in on the form, provide the new contact details by creating a ticket. |
| 2nd and 3rd holder documents are not provided for a joint account. | Courier the KYC (PDF) and self-attested PAN and address proof of all the joint account holders. |
Aadhaar details
| Rejection reason | How to rectify it? |
| 3rd party Aadhaar used for Digilocker or e-sign. | Redo the account opening process using the account holder's Aadhaar by visiting signup.zerodha.com. |
Courier the required documents to:
Zerodha Customer Support Centre,
680, Fortuna 1, 15th Cross Road,
8th Main Road, 2nd Phase, J. P. Nagar,
Bengaluru, Karnataka, 560078
Did you know? If the account opening application is rejected, a 30-day window is provided to rectify the application. Failure to rectify the application within this window will lead to the application being reset, and the entire account opening process must be redone.
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