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Why do you need to do Full KYC?

According to RBI regulations, accounts opened through OTP based eKYC are not valid for more than one year. As Freecharge Pay Later was opened through OTP based eKYC, hence the loan account is valid for only 1 year. In order to continue spending using Pay Later, customers are required to do Full KYC where their loan account tenure will be extended by another 12 months. For the customers whose KYC has already expired, they will get re-onboarded on Pay Later through full KYC (vs. eKYC earlier).

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