Central KYC records registry operating guidelines

Submit your KYC documents (like Aadhaar, PAN, address proof) to any financial institution. Once verified, they upload it to CKYC Registry, and you receive a 14-digit KIN. 

You can check with your bank or financial institution. If you’ve submitted KYC documents recently, they may have already registered you under CKYC and can provide your 14-digit CKYC ID.

Option 1: Customers can give a missed call to 7799022129 to retrieve their CKYC card. If the card cannot be fetched in this manner, they may use the alternative methods listed below. 

Option 2: Customers can obtain their CKYC card by verifying their mobile number through the link: https://www.ckycindia.in/kyc/getkyccard. A download link for the CKYC card will be sent via SMS to the mobile number registered with CKYC.

Option 3: Customers can also fetch their CKYC card through DigiLocker.

Option 1: Initiate a conversation with IDFC WhatsApp bot on 95555 55555 by saying MY CKYC ID.

Option 2: Please enter OTP sent to registered mobile number, as a process of authentication.

Option 3: Also, customer can trace out CKYC Number on Liability, Credit Card, Loan SOA under “CKYC ID No” option.

Option 4: Via IVR 

• • Dial IDFC FIRST Bank helpline number

• • Select preferred language

• • Choose option for KYC services from main menu

• • Choose option 8 for CKYC services

• • Choose option 1 to get CKYC number via SMS

• • After successful authentication CKYC number will be sent to customer’s registered mobile number via SMS. 

Yes, for most financial services like:

·  Opening bank accounts

·   Investing in mutual funds

·   Buying insurance

·   Applying for loans

Yes. You can update your address, mobile number, or other details by visiting your bank or financial institution. They will upload the changes to CKYC.

You must update it with your financial institution to ensure you receive OTPs for consent when your CKYC data is accessed.

Absolutely. CKYC uses secure encryption and access protocols. Only authorized institutions can access your data, and only with your consent.

When you opt for any financial product / service from any of the financial institutions regulated by RBI, SEBI, IRDAI or PFRDA, these institutions will register your KYC details with the CERSAI (Central Registry of Securitisation and Asset Reconstruction and Security Interest of India).

You will need to submit the following documents:

• Individual:

a. PAN Number

b. Identity and Address Proof

    i. Passport

    ii. Driving License,

    iii. Proof of possession of Aadhaar number,

    iv. Voter's Identity Card issued by Election Commission of India,

    v. Job card issued by NREGA duly signed by an officer of the state government,

    vi. Letter issued by the National Population Register containing details of name and address.

c. One recent passport size photograph

Upon successful registration, you will be provided with a unique KIN. Once the KIN is generated / updated, an SMS / E-mail will be sent by CERSAI to your Registered Mobile Number / E-mail ID.

• Non-Individual (as applicable by constitution): 

d. PAN Number 

e. Certificate of Incorporation/Formation 

f. Registration Certificate 

g. Memorandum and Articles of Association 

h. Partnership Deed 

i. Trust Deed 

j. Resolution of Board/ Managing Committee 

k. Power of Attorney granted to its manager, officers or employees to transact on its behalf 

l. Activity Proof – 1 (For Sole Proprietorship only) 

m. Activity Proof – 2 (For Sole Proprietorship only) 

n. Other (as applicable) 

o. Officially valid document(s) & recent passport size photograph for related person 

Upon successful registration, you will be provided with a unique KIN. Once the KIN is generated / updated, an SMS / E-mail will be sent by CERSAI to your Registered Mobile Number / E-mail ID. 

All financial institutions regulated by RBI, SEBI, IRDAI and PFRDA can register their customers under CKYC. Once you have opted for any financial product / service offered by these institutions, such as open a bank / credit card / demat account, buy an insurance policy or invest in mutual funds, etc., they will register your KYC with CKYC.

As per the recent amendments to ‘Prevention of Money Laundering Act’ on 19 July 2024 and ‘RBI Master Direction on Know You Customer’ on 6 November 2024, any change in demographic information, such as name or residence address, initiated by a customer with his / her respective bank, insurance company, non-banking financial company, etc. is submitted to CKYCR post updation.

Thereafter, CKYCR sends an electronic intimation regarding updation of KYC records to all other reporting entities with whom the said customer has a relationship. Upon receiving this information, the reporting entities download / retrieve the updated KYC records from CKYCR and update the customer information / KYC record maintained by them.

As per Maintenance of records, every reporting entity shall within 10 days after the commencement of account-based relationship with a client need to upload the KYC records with the Central KYC Registry.

You receive a CKYC download notification when an institution downloads your KYC record from CKYCR using your KYC Identification Number. It may do so for the purpose of

·  KYC fulfilment when you apply for an IDFC Bank product.

·  Updating your existing records in CKYCR basis the latest KYC document submitted by you at the time of new product application, periodic KYC renewal or residence address change etc..

·   As per the recent amendments to ‘Prevention of Money Laundering Act’ on 19 July 2024 and ‘RBI Master Direction on Know You Customer’ on 6 November 2024, any change in demographic information, such as name or residence address, initiated by a customer with his / her respective bank, insurance company, non-banking financial company, etc. is submitted to CKYCR post updation.

·   Thereafter, CKYCR sends an electronic intimation regarding updation of KYC records to all other reporting entities with whom the said customer has a relationship. Upon receiving this information, the reporting entities download / retrieve the updated KYC records from CKYCR and update the customer information / KYC record maintained by them.

Financial institutions initiate an update request to CKYC when customer details change. Updates are made after verifying supporting documents. CKYC numbers for upload records are obtained from the response file generated by the Central KYC Registry.

Central KYC Registry allows linking multiple communication addresses. Individuals can submit Annexure-A1 and legal entities can use Annexure-A2 for branch specific addresses. The financial institution will then initiate the update request.

Yes, Once CKYC number is registered, Cersai sends an SMS/Email with your 14- digit KYC Identifier (KIN) to registered mobile/email id.

Yes, If any demographic changes are done in Core Banking system, all the latest details will get      update at CERSAI Registry.