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    <title>FREQUENTLY ASKED QUESTIONS ON ACCOUNT OPENING BY PERSONS WITH DISABILITY</title>
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    <description>Persons with disability may open account-based relationships; guardianship is recognised where required and intermediaries may rely on a Guardianship Certificate. Both guardian and client must satisfy KYC norms. Digital KYC must be accessible, with intermediaries assisting live video capture and using alternative liveliness checks (facial expressions, head movement, OTP display). Intermediaries may use Central KYC Registry data with consent, capture disability type and percentage, accept thumb impressions on e-signed pages, and require Principal Officer review of accessibility-related automated KYC rejections.</description>
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