How to Complete FASTag KYC Online: Process, Documents and Last Date

Search for FASTag KYC, and you will find a great deal of confident advice, much of which is now wrong. The rules changed at the start of 2026, and most articles have not caught up. Worse, almost all of them blur together two different requirements that sound alike and are not the same thing at all. So before anything else, here is the distinction that makes the rest of this guide make sense.

	KYC (Know Your Customer)	KYV (Know Your Vehicle)
What it verifies	You, the account holder	That the tag is correctly mapped to the vehicle
Who requires it	The RBI, through your issuer bank	NHAI, through the toll system
What you submit	Identity and address documents	Photos of the vehicle, number plate and tag placement
Status in 2026	Still required on your FASTag account	Discontinued for cars from 1 February 2026

Get those two straight and the confusion clears. What follows is what actually applies now.

Why FASTag KYC Is Mandatory

Your FASTag is attached to a prepaid account held with an issuer bank. Because it holds money, it falls under the RBI's rules for prepaid instruments, and those rules require the bank to know who its customer is. That is the whole basis of the KYC requirement, and it has not gone away.

There is a second reason, specific to tolling. NHAI enforces a One Vehicle, One FASTag rule. A single tag must be linked to a single vehicle, and a single vehicle must not carry multiple active tags. Duplicate or improperly linked tags cause conflicts in the NETC system, and the usual outcome is that the tag gets blacklisted.

The consequences of an incomplete KYC are not academic:

• The tag can be deactivated or blacklisted, even with money sitting in the wallet.

• At the toll plaza, a blacklisted tag means paying in cash, at double the applicable toll.

• The balance in the account is effectively frozen until the issue is resolved.

Documents Required

Have these ready before you start. They are the standard set across issuer banks.

Document	Purpose
Vehicle Registration Certificate (RC)	Links the tag to the correct vehicle and vehicle class
Identity proof	Aadhaar, PAN, passport, voter ID or driving licence
Address proof	Usually Aadhaar, though a utility bill or passport is accepted by most banks
Passport-size photograph	Of the vehicle owner
Registered mobile number	For OTP verification, and it must be the one linked to the account

A warning worth taking seriously: FASTag KYC is free and can be done yourself. Anyone offering to complete it for a fee of a few hundred rupees is running a scam, and so is any message asking you to click a link to avoid your tag being blocked. Fake FASTag messages are common. Go to your bank's own app or website, or the official NHAI channels, and nowhere else.

How to Complete KYC via the My FASTag App

My FASTag is NHAI's official app, and it is the safest starting point because it also tells you which bank issued your tag, which many people have forgotten.

• Install My FASTag from the Play Store or App Store. Install only the official NHAI app; several imitations exist.

• Check your tag status by entering your vehicle registration number. This shows whether the tag is active, inactive or blacklisted, and identifies the issuer bank.

• Open the issuer's KYC section. The app links through to your issuing bank, since the bank, not NHAI, holds your KYC.

• Upload the documents listed above and complete the OTP verification.

• Wait for approval, which typically takes up to about seven working days, and check the tag status again afterwards.

How to Complete KYC via Your Bank's Website

If you know which bank issued your FASTag, going directly to them is usually the quickest route. Every major issuer runs its own FASTag portal.

• Log in to the issuer's FASTag portal using your registered mobile number and the OTP.

• Open My Profile, then the KYC tab, where your current KYC status is displayed.

• Upload the RC, identity proof, address proof and photograph, making sure the details match the account exactly.

• Submit and note the reference number, then follow up if the status has not changed within a week.

If you cannot remember which bank issued the tag, the My FASTag app will tell you from your registration number. So will the FASTag welcome email or the SMS you received when the tag was activated.

How to Complete KYC via the NETC Portal

The NETC system, run by NPCI, is the rail track along which every FASTag transaction runs. It is useful for checking status, though it is not where you upload documents.

On the NPCI website, under NETC FASTag, there is a Check Your FASTag Status tool. Enter your vehicle registration number or tag ID, and it returns whether the tag is active, inactive or blacklisted. That tells you whether you have a problem; fixing it still means going to the issuer bank.

IHMCL, which runs FASTag operationally, also maintains a portal where you can log in with your registered mobile number, view your profile and complete KYC where your issuer supports it. Between the three, the practical order is: check status on NPCI or My FASTag, identify the issuer, then complete the KYC with that bank.

One thing worth doing before you begin, because it prevents the most common rejection. FASTag activation now depends on your vehicle's details being validated against the government's Vahan database, so those details need to be correct. Checking the RC details for your registration number shows you the record the system holds, including the vehicle class. If what you see there does not match your physical RC, sort that out first, because a mismatch between the vehicle class in the database and the class your tag is issued for is one of the hardest blacklists to reverse. CarInfo also lets you buy and recharge a FASTag from a range of issuer banks, which keeps the tag and the vehicle record in one place.

What Happens If KYC Is Not Done

The penalties are practical rather than legal, and they arrive at the worst moment, which is a toll plaza with a queue behind you.

• The tag is deactivated or blacklisted. An incomplete KYC is grounds for the issuer to block the tag, and a valid balance does not protect you.

• You pay double toll, in cash. A vehicle arriving at a FASTag lane with a blacklisted or invalid tag is charged twice the applicable toll.

• Your balance is stuck. The money in the wallet is not lost, but it is unusable until the tag is restored.

• You cannot use the Annual Pass. NHAI's annual pass, priced at Rs 3,075 for up to 200 trips or one year, can only be activated on a properly affixed, correctly linked tag that is not blacklisted.

There is a knock-on effect that catches people when they sell a vehicle. A FASTag is issued against one specific vehicle and cannot be moved to another, so a tag left open on a car you no longer own is a loose end. Close the old account formally when the vehicle changes hands, and have the buyer take a fresh tag. Unpaid FASTag dues can also hold up an ownership transfer at the RTO, which is an unpleasant thing to discover on the day of the sale.

FASTag KYC Deadline: What Actually Applies in 2026

This is where most published advice is stale, so it is worth being precise.

The old deadline has passed: NHAI's well-publicised deadline of 31 January 2024 required all FASTags to have complete KYC, with non-compliant tags deactivated afterwards. That date is long gone. It is not a live deadline you are racing towards; it is the reason a neglected tag may already be blocked.

KYV has been discontinued for cars: From 1 February 2026, NHAI has ended the Know Your Vehicle process for the car, jeep and van category. New FASTag issuances no longer require it, and for existing car tags, it is no longer a routine requirement. KYV is now triggered only on an exception basis, where there is a complaint, a loose or duplicate tag, incorrect issuance, suspected misuse, or a mismatch between the vehicle number and the tag.

The verification burden has moved to the banks: In place of chasing customers after activation, NHAI now requires issuer banks to validate vehicle details against the Vahan database before the tag is activated. RC-based checks are used only where Vahan has no record. Tags sold online are covered by the same rule.

Commercial vehicles are not exempt: The relaxation applies to cars, jeeps and vans. Buses, trucks and multi-axle vehicles remain subject to the stricter regime.

So what should you actually do? If your tag is active and you have no complaint against it, there is nothing to chase. If your tag is blacklisted, deactivated, or was issued long ago with incomplete customer KYC, complete the KYC with your issuer bank now, because the RBI requirement on the account has not been relaxed. The KYV photographs are what has gone away for cars, not the obligation to be a known customer of your bank.

FAQs

1. Is FASTag KYC still mandatory in 2026?

Yes, for the customer account. Your FASTag holds money in a prepaid account, so RBI rules require the issuer bank to have complete KYC. What has changed is KYV, the vehicle verification process, which NHAI discontinued for cars from 1 February 2026.

2. What is the difference between KYC and KYV?

KYC verifies you, the account holder, and is required by the RBI through your bank. KYV verified that the tag was correctly mapped to the vehicle using photographs and was an NHAI process. KYV has been discontinued for cars, jeeps and vans; KYC has not.

3. Is there a FASTag KYC deadline in 2026?

There is no new blanket deadline. NHAI's deadline of 31 January 2024 has long passed, and tags that failed it may already be deactivated. If your tag is active and uncomplained about, you have nothing to chase. If it is blocked, complete the KYC with your issuer bank.

4. Do I need to redo KYV on my existing car FASTag?

Not as a routine requirement. Since 1 February 2026, KYV for cars is triggered only in specific cases, such as a complaint, a loose or duplicate tag, incorrect issuance, suspected misuse, or a mismatch between the vehicle number and the tag.

5. What documents are needed for FASTag KYC?

The vehicle RC, an identity proof such as Aadhaar or PAN, an address proof, a passport-size photograph, and access to the mobile number registered against the account for OTP verification.

6. How long does FASTag KYC take to be approved?

Typically up to about seven working days after submission. Check the tag status afterwards on the My FASTag app or the NPCI NETC status tool to confirm it has gone through.

7. Is there a fee for FASTag KYC?

No. It is free, and you can do it yourself through your issuer bank's portal or app. Anyone charging a few hundred rupees to complete it is running a scam, as is any message asking you to click a link to prevent your tag being blocked.

8. What happens if I do not complete KYC?

The issuer can deactivate or blacklist the tag even if it has a balance. At a toll plaza, you will then pay double the toll in cash, and the money in your wallet stays locked until the tag is restored.

9. Can I have two FASTags on one vehicle?

No. NHAI enforces One Vehicle, One FASTag. Multiple active tags on the same vehicle cause conflicts in the NETC system and typically lead to blacklisting. If you have a duplicate, formally close the old account.

10. Which bank issued my FASTag? I cannot remember.

Enter your vehicle registration number in the My FASTag app, which identifies the issuer along with the tag status. The FASTag welcome email or the activation SMS will also name the bank.