Hi @vinanth_b,
Welcome to the Niyo Community! 
We’re really sorry to hear about the challenges you’ve been experiencing, and we completely understand how concerning this situation can be.
We’d like to clarify that the Video KYC (VKYC) process is handled directly by the bank, and while we facilitate the process, the final approval or rejection is determined by the bank’s verification team.
To ensure a successful VKYC, please make sure of the following:
You have a stable internet connection.
Your PAN and Aadhaar details match exactly.
You’re in a well-lit environment during the VKYC.
We’d also like to assure you that the device model (whether iPhone, Samsung, or any other) does not affect the VKYC process. As long as the camera and microphone are functioning properly, the device should work just fine.
If the issue persists, we’d recommend trying the process again or contacting SBM Bank for further assistance. You can:
Call their toll-free number at 1800-1033-817
Or drop an email to customercare@sbmbank.co.in
We apologize once again for the inconvenience and appreciate your patience as we work to resolve this. Please feel free to reach out if you need any further guidance!
