The following documents are required to complete your KYB verification as a business based in India.
Core business documents
Document | What it confirms |
Certificate of Incorporation | That your company is legally registered — issued by the Ministry of Corporate Affairs (MCA) |
Shareholder structure document | Ownership breakdown of the company — submit any one: Shareholder Register, Register of Members, AOA, MOA, or certified Shareholding Pattern |
Company structure document | How your company is organised — Articles of Association (AOA) or Memorandum of Association (MOA) |
Proof of registered business address | Bank statement not older than 90 days — must show company name and address |
Proof of nature of business | Confirms active operations — invoices issued to clients or service agreements with vendors or customers |
UBO and director verification
For every individual owning 20% or more equity in the company, the following are required:
Government-issued ID — PAN Card, Aadhaar, or Passport
Proof of address — bank statement or utility bill not older than 90 days
Liveness check — real-time selfie verification
All directors must also submit identity and address proof.
For sole proprietorships
Document | Details |
Business registration | Any one of: Shop & Establishment License, MSME (Udyam) Registration, GST Registration Certificate, or Trade License |
Proof of business address | Bank statement not older than 3 months showing business address |
Proprietor KYC | PAN Card, Aadhaar, and personal address proof (bank statement not older than 3 months) |
Documents that may be requested
Depending on your business profile and transaction activity, our compliance team may request:
Latest audited financial statements or ITR acknowledgment
Import/Export Code (IEC) — for cross-border traders
Sector-specific licenses (FSSAI, SEBI, IRDAI, etc.)
Submission requirements
All documents must be clear, valid, and legible
Submit as scanned PDF or image files
Ensure company name, address, and director details match exactly across all documents
Questions? Contact us at [email protected]
KYB requirements may vary depending on your business type, structure, and transaction profile. Our compliance team may request additional documents at any stage of the review process.
Detailed document breakdown
Certificate of Incorporation (COI)
An official document issued by the Ministry of Corporate Affairs (MCA) confirming legal incorporation.
Where to obtain: Downloadable from the MCA portal using your CIN
Shareholder structure document
Lists all shareholders and their ownership percentage.
Accepted documents: Shareholder Register, Register of Members (MCA or internal), Shareholder Agreement, or certified Shareholding Pattern
Company structure document
Outlines the governance structure, internal rules, and shareholder rights of the company.
Primary: Articles of Association (AOA)
Alternative: Memorandum of Association (MOA)
Where to obtain: Filed during incorporation, available via MCA portal
Proof of registered business address
Confirms the company's registered address.
Primary: Bank statement not older than 90 days showing company name, address, and at least one transaction
Alternatives (specific cases): GST Certificate, Utility Bill not older than 90 days, Lease or Rental Agreement with landlord's utility bill
Proof of nature of business
Confirms active operations and legitimate business activity.
Accepted documents: Invoices issued to clients, service agreements with vendors or customers
UBO and shareholder information
Identity and address verification for all individuals owning 20% or more equity.
Required documents: PAN Card, Aadhaar, or Passport for identity; bank statement or utility bill not older than 90 days for address proof
Liveness check required for each UBO
Director information
Identity and address proof for all directors.
Required documents: PAN Card, Aadhaar, or Passport; bank statement or utility bill not older than 90 days
Representative information (if applicable)
If an authorised representative is acting on behalf of the company:
Required documents: Identity and address proof; Board Resolution or Power of Attorney confirming authority
Additional documents (risk-based)
Depending on your profile, our compliance team may request:
Latest audited financial statements or ITR acknowledgment
Import/Export Code (IEC) for cross-border traders
Sector-specific licenses (FSSAI, SEBI, IRDAI, etc.)
Document checklist
Document | Purpose | Where to get it |
Certificate of Incorporation (COI) | Confirms company is legally registered | MCA portal (via CIN) |
Shareholder structure document (AOA / MOA / Shareholder Register) | Shows ownership breakdown | MCA portal or internal records |
Company structure document (AOA / MOA) | Shows governance and operating rules | MCA portal |
Proof of registered business address | Confirms business location | Bank statement / GST certificate / Utility bill / Lease agreement |
Proof of nature of business | Confirms active operations | Invoices / Service agreements / Contracts |
UBO and shareholder KYC | ID and address proof for individuals owning 20% or more | Provided by UBOs directly |
Director KYC | ID and address proof of all directors | From directors directly |
Authorised representative KYC (if applicable) | ID and address proof of signatory | Provided and certified by company |
Additional documents (risk-based) | Extra verification for high-risk or regulated sectors | Financial statements / ITR / IEC / Sector licenses |
KYB requirements may vary depending on your business type, structure, and transaction profile. Our compliance team may request additional documents at any stage of the review process.