Q37: In the Digital KYC process, if a customer does not have their own mobile number, the bank is strictly prohibited from using the mobile number of a family member or relative for the purpose of OTP verification.

True

False

True, unless the customer is a minor.

True, unless the customer is a senior citizen.

✅ Correct Answer: B

If the customer does not have their own mobile number, the bank may use the mobile number of their family / relatives / known persons for this purpose and clearly mention it in the CAF.

This exception is important for the IIBF AML KYC Exam 2026.

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Bank Promotion Exam Guide

Q37: In the Digital KYC process, if a customer does not have their own mobile number, the bank is strictly prohibited from using the mobile number of a family member or relative for the purpose of OTP verification.

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