If there is no need of VKYC, you will get like not applicable thing when you look at your application status. If it is needed VKYC not completed or something will be shown.
PNB account holders can bypass VKYC, as there is no VKYC for PNB account holders, also my account processed with in 20 days, which maybe record from PNB.
They sent me application lying discrepant message twice and application got approved yesterday.
Should we upload signed ITR document? Today I received email regarding discrepant application and they requested for signed and scanned ITR copies of 2 years.