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If the CDD documents have expired, the bank must run KYC equal to:
AOffboarding a customer
BOverdrawing a customer
COverruling a customer
DOnboarding a customer
Answer & Solution
Correct answer: D. Onboarding a customer
1. Expired documents cannot support an update.
2. The bank has to start the identification afresh.
3. It runs the process used for a new customer.
_Source: Reserve Bank of India (Commercial Banks - Know Your Customer) Directions, 2025_
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