Question: The bank wants me to submit my utility bill again even though my KYC has not changed. Is that always required?
Answer: No. RBI allows self-declaration where there is no KYC change, especially for low-risk customers.

Supporting evidence:
title: rbi.org.in/FAQs.aspx
quote: RE can obtain a self-declaration when there is “no change in KYC information” and also when there is “change only in address details” ten years for low-risk customers
context: ansfers, forex transactions, etc. While considering customer’s identity, the ability to confirm identity documents through online or other services offered by issuing authorities may also be factored in. The risk category and reasons thereof are not required to be divulged to the customers by the RE. Q 24. *What are the modes for periodic updation of KYC for individual customers? Ans. The modes for periodic updation of KYC for individuals are as under: It can be undertaken at the branch of the RE with which customer maintains the account or any other branch of the same RE; or RE can obtain a self-declaration when there is “no change in KYC information” and also when there is “change only in address details”, through customer’s email-id/ mobile number registered with the RE, ATMs, digital channels (such as online banking / internet banking, mobile application of RE), letter, etc. However, the declared address shall be verified by the RE through positive confirmation within two

months; or Aadhaar OTP based e-KYC in non-face-to-face (NF2F) mode and V-CIP; RE is also mandated to update customer’s KYC records based on the update information/ notification, if any, received from CKYCR for the customer concerned. Q 25. What documents are needed for periodic updation of KYC? Ans. The requirement of KYC documents depends on the modes used for periodic updation of KYC as detailed in the reply to Q 24, above. In case of change in the KYC information, the customer has to provide the documents as mentioned in the reply to Q 5 above; In case of no change in KYC information, the customer can provide a self-declaration. Similarly, a self-declaration in case of change only in address can also be provided by the customer to RE as detailed in reply to Q 24 above. In case of Aadhaar OTP-based e-KYC authentication facility in non-face-to-face mode, the customer can provide a declaration of the current address even if the current address is different from the address in Aadhaar database. However, RE shall ensure that mobile number for Aadhaar authentication is same as the one available with it in the customer’s profile, in order to prevent any fraud. In case of use of V-CIP for completing re-KYC, the requirements shall be as per paragraph 18 of the Master Direction on KYC , which include identification and verification of the identity using (i) Aadhaar OTP based e-KYC authentication in non-face-to-face mode; (ii) offline verification of Aadhaar; (iii) KYC records downloaded fro