With the growing popularity of digital payments in India, PhonePe has become one of the most trusted UPI-based apps for transactions. However, to unlock the full potential of your PhonePe wallet — including increasing the limit to ₹2 lakh — you must complete the Video KYC process. This process is simple, fast, and entirely online.
If you’re struggling to figure out how to start or complete the PhonePe wallet KYC process, this article will guide you through the step-by-step process. Whether you’re a new or existing user, following these steps can help you complete your PhonePe wallet video KYC successfully and enjoy a higher wallet limit.
Complete Your PhonePe Wallet Video KYC & Increase Wallet Limit 2 Lakh
The KYC (Know Your Customer) process ensures that your identity is verified, enabling you to access enhanced features of your digital wallet. Without completing this verification, you’re limited in how much money you can hold and transfer using your PhonePe wallet.
By completing the video KYC, you upgrade your account to a Full KYC Wallet, allowing you to add and hold up to ₹2,00,000 in your PhonePe wallet and make seamless transactions anytime. You can transfer your wallet money to your bank account once you complete KYC. So let’s get started:-
Step 1: Open the PhonePe App and Navigate to Wallet
Begin by opening the PhonePe app on your smartphone. Ensure you’re using the latest version for all the newest features to load properly.
On the home screen, swipe up to see additional options. Here, look for the icon labeled “Wallet”. Tap on it. This will bring you to your PhonePe wallet dashboard, where you’ll see your current wallet status and limits.
Step 2: Initiate the KYC Process for ₹2 Lakh Limit
Inside the Wallet section, you’ll see two KYC upgrade options:
-
One is the basic wallet
-
The other is the “Max Balance: ₹2 Lakh” option
Choose the one that mentions “Needs simple video verification” and has the higher ₹2 lakh limit. Tap the “Get Started” button to begin the upgrade process.
This step signals your intent to complete full KYC through a simple video verification process.
Step 3: Enter Your PAN Details
You will now land on the PAN verification screen. Here, you must:
-
Enter your PAN number
-
Enter your Full Name exactly as it appears on the PAN card
-
Enter your Date of Birth
Double-check all information for accuracy. Once done, tap on “Verify PAN Details”. PhonePe will instantly validate your PAN with government records before allowing you to proceed.
Step 4: Consent to Aadhaar Verification
After successful PAN verification, you’ll be taken to the Aadhaar Consent page. This page will explain how your Aadhaar details will be used for KYC under UIDAI guidelines.
Take a moment to read the statement carefully. If you agree, tap on “I Agree” to proceed to the next step.
Step 5: Enter Aadhaar Details and Verify OTP
Now, enter your 12-digit Aadhaar Number or VID (Virtual ID) in the given field.
Tap “Verify Aadhaar Details”. PhonePe will send a 6-digit OTP to your mobile number registered with Aadhaar.
Once you receive the OTP, enter it in the designated field and tap “Submit.” If everything checks out, your Aadhaar details will be verified and linked to your account.
Step 6: Confirm Your Aadhaar-Linked Address
After successful verification, PhonePe will automatically fetch the address linked to your Aadhaar and display it on the screen.
Review it thoroughly. If the address shown is your current address, tick the checkbox that says:
“The above address is same as my current address.”
Then tap “Proceed” to continue. If the address is not current, unfortunately, it cannot be changed at this step — it must match your Aadhaar.
Step 7: Provide Personal Details
You’ll now need to enter some additional personal information to complete your profile. These fields include:
-
Parent’s Name (Father or Mother)
-
Marital Status (Single/Married)
-
Occupation Type (Salaried, Business, Student, etc.)
-
Annual Income Range
You will also have the option to add a nominee, which is recommended in case of emergencies. Once all required fields are filled in correctly, tap “Proceed” to go to the next stage.
Step 8: Initiate Video Verification
You’re now ready for the Video Verification step.
Before starting the call:
-
Make sure you’re in a quiet, well-lit place
-
Have your original PAN card ready in your hand (not a photocopy or image)
-
Ensure you have a stable internet connection
The app will give you a language choice (English or Hindi), then tap “Start Video Verification” to begin the call with a PhonePe KYC representative.
Step 9: Complete the Video KYC Call
Once connected, the PhonePe executive will appear on your screen. During the call, you will be asked to:
-
Show your PAN card clearly to the camera
-
Speak your name aloud as per the PAN card
-
Hold the card so it’s legible and glare-free
The agent may take a live photo of you and ask you to perform small gestures or adjustments to verify your identity. Stay calm and follow all instructions carefully. The call usually lasts under 2 minutes.
Step 10: Await KYC Verification
After completing the video call, you’ll see a message on screen:
“Video Call Completed.”
This means your part is done. Your submitted documents and video will now be reviewed. As per the app, verification is typically completed within 1 working day, but it can take up to 3 days in rare cases.
You’ll receive a notification when your wallet has been fully verified.
Step 11: Enjoy Your Upgraded PhonePe Wallet
Once approved, you’ll receive a final confirmation message:
“Done! Your PhonePe Wallet is now Active & Upgraded.”
You can now:
-
Hold and use up to ₹2,00,000 in your wallet
-
Send money to any bank or PhonePe user
-
Receive payments from anyone, including businesses
-
Add money to your wallet via UPI, debit card, or credit card
Your wallet is now fully functional without restrictions!
Can You Complete the Video KYC Later?
Yes, if you’re unable to complete the KYC in one go, you can resume it later.
Simply:
-
Go to the Wallet section
-
Tap on “Resume KYC”
-
Then tap on “Verify” under the “Video Verification” section
This allows you to pick up right where you left off without starting over.
Final Words
Completing the PhonePe Video KYC unlocks all features of your wallet and increases your transaction limits. With just your PAN, Aadhaar, and a few minutes, you can get verified from home without visiting any center.
Don’t wait! Follow this simple and secure process today to upgrade your PhonePe wallet and enjoy seamless digital payments up to ₹2 lakh.