Document set, 12-hour average turnaround, rejection reasons
The wallet is a single INR balance shared across games, fantasy, rummy, and sports. KYC unlocks the first withdrawal: Aadhaar or PAN for identity, a recent bank statement or cancelled cheque for the holder match, and a live selfie for the face-match step. Average turnaround is 12 hours from the moment the document set is on file.
Three documents, three checks
What the user uploads
Identity: Aadhaar (front and back) or PAN (front). The document must be readable; blurred edges, glare on the photo zone, or cut-off corners lead to rejection with a specific reason.
Bank: a recent bank statement (last 3 months) or a cancelled cheque. The document must show the holder's name as it appears on the Aadhaar or PAN, the account number, the IFSC, and the bank name and branch.
Selfie: a live selfie taken in-app. The face-match step compares the selfie to the photo on the Aadhaar or PAN. The selfie cannot be a screenshot, a printed photo, or a photo of a photo; the in-app camera must capture it live.
Average 12 hours from upload to decision
The KYC decision arrives within an average of 12 hours from the moment the document set is on file. The wallet screen displays the live status: Pending review, Approved, or Rejected with reason. Rejections list the specific reason (blurred edge, name mismatch, expired document) so the user can correct and resubmit.
The 12-hour average includes weekends and holidays. The 95th-percentile turnaround is 24 hours; the 99th-percentile turnaround is 48 hours. The user is notified by SMS and email at each status change.
Eight common rejection reasons
Blurred edge
The document photo is out of focus or the edges are cropped. Retake the photo in good light.
Glare on photo zone
A reflection covers the photo. Hold the document at an angle; avoid direct light.
Expired document
The Aadhaar or PAN is past its validity. Use a current document.
Name mismatch
The name on the Aadhaar or PAN does not match the bank statement. Update the bank statement or use a different identity document.
Document type unsupported
Voter ID, driving licence, and passport are not in the accepted set for this jurisdiction.
Selfie failed face-match
The face on the selfie does not match the photo on the Aadhaar or PAN. Retake the selfie in good light.
Selfie is not live
The selfie was a screenshot or a printed photo. Use the in-app camera to take a live selfie.
Duplicate submission
The same document was uploaded for another account. Use a unique document set per account.
Two ledgers, single balance, INR only
The wallet holds two ledgers: cash and bonus. The cash ledger holds deposits and settled winnings; the bonus ledger holds active welcome credits and Daily Race payouts. The total balance is the sum of both ledgers, but they settle separately during play.
Cash stakes settle from the cash ledger; bonus stakes settle from the bonus ledger. Bonus stakes become withdrawable only after the wagering requirement is met. The wallet is INR only; foreign-currency top-ups are blocked at the deposit rail.
UPI, bank transfer, three welcome tiers
| Welcome tier | Deposit floor | Bonus | Wagering |
|---|---|---|---|
| Tier 1 | ₹100 | Documented on /bonus-code/ | Documented on /bonus-code/ |
| Tier 2 | ₹500 | Documented on /bonus-code/ | Documented on /bonus-code/ |
| Tier 3 | ₹1,000 | Documented on /bonus-code/ | Documented on /bonus-code/ |
KYC required, then UPI or bank transfer
The withdrawal path
Withdrawal requires KYC to be on file and approved. The user opens the wallet, taps Withdraw, enters the amount and the destination (UPI ID or bank account), and confirms. The wallet screens the request for the deposit cap, the cooldown window, and the responsible-play flags before submitting.
The end-to-end withdrawal time depends on the rail. UPI withdrawals usually complete within minutes after KYC approval. Bank transfer withdrawals usually complete within 1-2 banking days. The wallet screen shows the live status of the withdrawal.
Re-running KYC when a document expires
When the KYC must be re-run
KYC must be re-run when the identity document expires (Aadhaar does not expire, but PAN can be re-issued), when the bank account changes, or when the operator's KYC vendor updates the validation rules. The wallet screen flags the KYC for renewal 30 days before any document expires.
The renewal follows the same three-step path: identity, bank, selfie. The user uploads the new document set; the KYC vendor validates it; the wallet screen shows the new decision within the average 12-hour turnaround.
If the user does not renew the KYC before the document expires, the wallet remains open for play but new withdrawals are blocked. The user can still deposit, play, and earn Daily Race points; the user cannot withdraw until the KYC is renewed.
What to do when the wallet screen flags a problem
Three reasons to contact support on KYC
The rejection reason is unclear: the support team can clarify the rejection reason and the path to correct it. The user can also refer to the eight common rejection reasons listed on this guide.
The KYC has been pending for more than 48 hours: the support team can check the queue and the KYC vendor status. The 99th-percentile turnaround is 48 hours; longer waits warrant a check.
The user wants to update a bank account or identity document: the support team can guide the user through the renewal path on the wallet screen.
What happens to KYC after account closure
Retention after closure
When the user closes the account through the /delete-account/ route, the wallet balance is settled first. The KYC documents (Aadhaar or PAN, bank statement, selfie) are retained for 30 days after closure for dispute resolution, then deleted.
The wallet ledger is retained for 7 years per RBI norms on payment data retention. The ledger does not contain the KYC documents; the ledger contains deposits, withdrawals, bets, results, and bonus payouts.
The gameplay history is retained for 1 year after closure for audit. The support transcripts are retained for 90 days. The consent records are retained for 365 days.
If the user re-opens an account within 30 days of closure (e.g., after a self-exclusion cooling-off period), the KYC documents are restored from the same record; the user does not need to upload again. If the re-opening happens after 30 days, the user must run KYC again.
Who reviews this guide
The wallet and KYC policy is reviewed by the editorial team, the operator's KYC vendor relationship manager, and the operator's legal team. The three roles ensure the document set, the turnaround, and the rejection reasons are accurate and aligned with the law.
The last-reviewed date at the bottom of every page records the most recent review.
Where this hands off
How it works
First-session path, step by step.
Bonus code
Three welcome tiers, full terms.
Responsible play
Deposit caps, cooldown, age-18.
Privacy
Data handling, retention, rights.
Delete account
Closure path and data-deletion window.
Support
Channel-by-channel help.
Decision questions on this route
How long does KYC take?
What documents are accepted?
Why was the KYC rejected?
Can the user play without KYC?
What is the wagering requirement on bonus stakes?
How long does a withdrawal take after KYC approval?
Upload the document set on the wallet screen
Three documents, 12-hour average turnaround, eight documented rejection reasons. KYC unlocks the first withdrawal.