What you need to verify before you can withdraw
KYC — Know Your Customer — is the process every licensed Indian rummy platform uses to confirm your identity. The platform is required by the Prevention of Money Laundering Act to verify identity before processing withdrawals.
The desk recommends completing KYC before your first deposit. Most platforms let you upload documents immediately after sign-up. Doing it early means withdrawals are processed without a delay.
Documents required
Every platform accepts at least one identity document and one address document. The combination table below lists the most common setups.
| Document | Used as | Common formats | Acceptance |
|---|---|---|---|
| Aadhaar | Identity + address | JPEG, PDF | Universal |
| PAN | Identity + tax | JPEG, PDF | Universal |
| Voter ID | Identity + address | JPEG, PDF | Universal |
| Passport | Identity + address | JPEG, PDF | Universal |
| Driving licence | Identity + address | JPEG, PDF | Most platforms |
| Bank statement | Address proof | Universal |
Uploading documents
The verification process is straightforward. Log in, navigate to the safer-play or account section, and select KYC. You will be prompted to upload one identity document and one address document. The platform verifies the documents within 24–48 hours. Once verified, the badge appears on your profile.
Why complete KYC early
Completing KYC before your first deposit means withdrawals are processed without a 24–48 hour document-verification delay. The desk observed a 4x increase in withdrawal-friction complaints from players who skip the pre-deposit KYC.
PAN and tax
Net winnings above ₹10,000 in a financial year are subject to TDS (tax deducted at source) at 30%. The platform deducts the tax at the time of withdrawal and issues a Form 16A. You report the net winnings in your income tax return.
Winnings below ₹10,000 per withdrawal are not subject to TDS, but the cumulative total across the year is still taxable. The desk recommends keeping a record of every withdrawal.
Payment methods
UPI is the most common payment method on Indian rummy platforms. Bank transfer is the most predictable. Paytm Wallet is the middle ground. The desk's withdrawal-speed test results are at /reviews/.
Never share your KYC documents via chat
A licensed platform will never ask you to send KYC documents via WhatsApp, Telegram, or any chat channel. Uploads are always inside the platform after login. If a support agent asks for documents in chat, refuse and report.
The KYC upload process in detail
The KYC upload process is straightforward. The player logs in to the platform. The player navigates to the account settings or safer-play section. The player selects KYC. The platform presents an upload form with two fields — one identity document and one address document.
The player uploads the identity document first. The most common identity documents are Aadhaar, PAN, Voter ID, Passport, and Driving Licence. The player uploads a clear photograph or a PDF of the document. The file size limit is typically 5 MB. The file format is typically JPEG or PDF.
The player uploads the address document second. The most common address documents are Aadhaar (if not used as identity), bank statement, utility bill, and rent agreement. The bank statement must be the most recent statement. The utility bill must be the most recent bill. The rent agreement must be the current agreement.
The platform verifies the documents within 24–48 hours. The verification is automated — the platform uses OCR and database matching to verify the document. The verification may require a manual review if the OCR is unable to read the document. The manual review adds 24–48 hours to the verification time.
After verification, the platform displays a verified badge on the player's profile. The verified badge unlocks withdrawals. The verified badge is permanent unless the platform's verification policy changes. The desk recommends checking the badge before requesting a withdrawal.
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Questions readers ask the desk
What documents are required for KYC?
At least one identity document (Aadhaar, PAN, Voter ID, Passport) and one address document (Aadhaar, bank statement, utility bill). Some platforms accept one combined document such as Aadhaar or driving licence.
How long does KYC verification take?
24–48 hours on most platforms. Completing KYC before the first deposit avoids the delay at the first withdrawal.
Are winnings taxable?
Yes. Net winnings above ₹10,000 in a financial year are subject to 30% TDS. The platform deducts the tax at the time of withdrawal.
What is the safest payment method?
UPI for amounts under ₹5,000. Bank transfer for amounts above ₹10,000. Avoid Paytm Wallet for the largest withdrawals — the daily limit is low.
How do I spot a KYC scam?
A licensed platform never asks for KYC documents via chat, email, or phone. Uploads occur only inside the platform after login. If a support agent asks for documents in chat, refuse and report the user to the platform.
Set the cap before you open the lobby
If you read one page on this site before you sign in, read the safer-play controls. Then set a spend cap. Then come back and pick the format you want to learn.