Guys,
as suspected they declined my KIWI aplication:
Possible reasons could be
1) High Over leverage
2) Blur in the KYC document while taking thephot of PAN
3) I added one extra location name in the address field when compared to aadhar address
4) I didn't activate "Yes Rupay" card which was given to me without my approval in IRIS app while browsing thru my Marquee card.
.
.
.or something that YES thinks that I am not eligible..
anyway at least I tried..
Have fun guys