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Central KYC records registry operating guidelines

The Government of India vide their Notification dated November 26, 2015 authorized the Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI), set up under sub-section (1) of Section 20 of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (54 of 2002), to act as and to perform the functions of the Central KYC Records Registry under the said rules, including receiving, storing, safeguarding and retrieving the KYC records in digital form of a “client”, as defined in clause (ha) of sub-section (1) of Section 2 of the Prevention of Money-Laundering Act, 2002.
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The Central Government have also amended the Prevention of Money-laundering (Maintenance of Records) Rules, 2005 vide Notification dated July 07, 2015, for the purpose of establishment of Central KYC Records Registry. Read less

What is the Central KYC Registry?

The Central KYC Registry or CKYC is a centralized repository containing KYC records of customers with uniform KYC standards and interoperability. It is designed with the aim to reduce the burden of producing and verifying KYC documentation each time a customer establishes a new relationship with a financial entity. A CKYC ID is a unique ID assigned to you. It ensures that you do not have to submit your KYC documents multiple times for any financial transaction.

Features of CKYC

Centralised database

Your KYC information is stored in a centralised database accessible by all financial institutions.

Unique CKYC number

Upon completion, you receive a unique 14-digit CKYC number that can be used across financial platforms.

Paperless transactions

Reduces the need for physical documentation, promoting paperless transactions.

Single submission

One-time submission of documents simplifies your interactions with multiple financial institutions.

Secure Storage

Enhanced security protocols protect your sensitive information.

How to know your CKYC information.

CKYC card for customers:

Option 1

Log into your Mobile App or Net Banking and select 'Profile’

Option 2

Send a 'Hi’ to 95555 55555 on WhatsApp > Select 'Profile' > Select My CKYC ID > Enter OTP received on registered mobile number

Option 3

You can also check your CKYC ID by giving a missed call at 779-9022-129

Option 4

Visit the URL .

Option 5

You can use the DigiLocker app. Download CERSAI - CKYC ID Card with OVD ID and authentication factor (DOB/Pin code/Mobile no.)

Option 6

Please call our contact centre at 1800 10888.. Press 8 to enquire about your CKYC ID number, and press 1 to receive the same via SMS.

Central KYC Records Registry Customer Awareness - CKYC

Central KYC Registration Process

Banking made easier with CKYC

RBI kehta hai - CKYC

Completing KYC for opening accounts at Financial Institutions is easy with CKYC Identifier Number.

Save yourself from the trouble of submitting KYC documents again and again.

RBI - Financial Literacy Week (FLW) 2026

CKYC ID: One KEY for all your KYC needs

Know more about CKYC ID

Frequently Asked Questions

What is CKYC?

CKYC stands for Central Know Your Customer, a centralized system managed by CERSAI. It stores your KYC details securely and assigns a 14-digit KYC Identifier (KIN) that can be used across banks, insurance companies, mutual funds, and other financial institutions.

Why is CKYC beneficial for me?

• One-time KYC submission: No need to submit documents repeatedly.

• Faster onboarding: Financial institutions can fetch your verified data instantly.

• Secure and centralized: Your data is stored safely and accessed only with your consent.

How do I get a CKYC number (KIN)?

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.

How do I know if already have a CKYC Number?

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.

How can I check my CKYC status or KIN (CKYC Number)?

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.

Methods to know CKYC Number for IDFC customers:

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.

Is CKYC mandatory?

Yes, for most financial services like:

· Opening bank accounts

· Investing in mutual funds

· Buying insurance

· Applying for loans

Can I update my CKYC details?

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.

What happens if I change my mobile number?

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

Is CKYC safe?

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

What documents are required for CKYC?

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.

Which all entities can register customers for CKYC?

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.

What is CKYC Update Intimation?

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.

What is the timeline for the KYC records to be uploaded onto the Central KYC Registry?

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.

Why did I get a CKYC download notification?

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.

How does one update the KYC record?

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.

Whether CKYC can capture multiple communication address?

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.

Whether notification will be received by Cersai Registry if CKYC number is registered?

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

If any demographic changes are done in Core Banking system, same will get update at Cersai Registry?

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

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