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The main objective of the Central Know Your Customer (CKYC) initiative is to set up a framework that stores KYC documents. Launched by the Indian Central Government, it ensures that investors and traders need to go through the KYC process only once. 


With this initiative, the government aims to reduce the cumbersome procedure of completing KYC processes whenever you wish to interact with financial companies. CERSAI (Central Registry of Securitization Asset Reconstruction and Security Interest of India) oversees the initiative. 


The Central KYC Registry, or the CKYCR, stores all KYC-related information about investors in the Indian market. Read on for an in-depth overview of CKYC, its importance, and more.

CKYC Registry

The CKYCR stores all KYC and relevant information of every investor/trader in the Indian financial market. This body is in charge of maintaining standard norms related to KYC. It also enables free inter-usability of all records across pertinent sectors.

Why is CKYC Important?

The launch of the Central KYC initiative helps reduce the hassle investors and traders go through with repeated KYC processes. 


In addition to ensuring a one-time KYC process for all investors and traders, the CKYC initiative is uses electronic mediums to: 

  • Safely store and process KYC data 

  • Prevent fraud and scams 

  • Ensure transparency and accountability 

  • Reduce costs greatly 

  • Ensure real-time notifications pertaining to KYC-related processes



Benefits of CKYC

The benefits of the Central KYC Registry are as follows:

  • Single KYC 

There is a single, standard KYC process in place for all investors and traders engaged or planning to engage in the Indian financial markets.

  • Due Diligence 

The agency is responsible for ensuring due diligence of all information and processes.

  • Preventing Fraud 

The Central KYC Registry also helps prevent fraudulent activities like money laundering. This is done by ensuring that all KYC-related processes take place under its strict and diligent ambit.

  • Digitisation 

Equipped with the latest technology, the CKYCR offers data management and synchronisation. This makes it easier to process the information received digitally.

  • Scale Down Costs 

The CKYCR is the sole body working on KYC-related information. It is thus able to reduce costs and increase efficiency of routine KYC checks and securing the collected data. 

  • Real-Time Notifications 

Using the latest technology, the initiative strives to ensure all concerned parties are notified of changes in their application status. This helps investors and traders in getting updated in real time. 

Documents Needed for CKYC

As an individual, you need to furnish the following documents to complete the CKYC process:


  • Copies of Passport, Voter ID, Aadhaar card, PAN card, Driving licence (self-attested)

  • A sample of your signature

  • Passport-size photographs

  • Contact details

  • Details about the authorised representative (in the case of a minor)

Business entities wanting to complete the CKYC process need to furnish the following documents: 


  • PAN card

  • Signed registration form

  • Corporate identification number

  • Registration certificate

  • Certificate, Licence, and Notification issued by the said regulator

  • Certified copy of the photo identity card of the user administrator

  • Certified identity proof of the user administrator

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Process of Getting CKYC Done

To complete the CKYC process, business entities need to follow the steps outlined below:

  • Step 1: Visit the CKYC website and click the ‘Register a New FI’ tab

  • Step 2: Fill in the details of the designated admins, who will be tasked with managing the details of the website

  • Step 3: Proceed by completing the requisite details about your financial institution, and the regulatory body of the registration

  • Step 4: Download, fill, and submit the FI registration form and the requisite documents

  • Step 5: Once you complete the registration, you and the nodal officer will receive a temporary reference number

  • Step 6: Finish the process by testing all functionalities mentioned in the checklist

If the details furnished by you are accurate and verified, CERSAI will approve your request.


Individuals need to follow the steps outlined below to complete the CKYC process:


  • Step 1: Visit the CKYC website and enter your PAN card details

  • Step 2: Proceed by entering personal information such as your name, email address, mobile number, and your Aadhaar number

  • Step 3: Upload self-attested copies of your Aadhaar and PAN cards

  • Step 4: Use the webcam to upload a photograph of yourself and also upload a copy of your signature

  • Step 5: You will be directed to an in-person verification via your webcam

  • Step 6: Finally, click on the ‘Submit’ button, and your application will then be sent for further review and approval

It is important to remember that if your KYC has already been verified, the site will prompt you to modify your existing details.

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CKYC Number and ID

Once you complete the steps and successfully register on the CKYC portal, you will receive a 14-digit KIN or KYC Identification Number. Whenever you wish to avail of financial services, use this 14-digit KIN to indicate your CKYC is complete.

How to Check CKYC Status Online

If you wish to check the status of your CKYC application online and prefer initiating a CKYC number check online, follow the steps mentioned below.

  • Step 1: Visit the CKYC website and use your credentials to log in

  • Step 2: Enter your PAN card number

  • Step 3: Proceed by entering the displayed security code

  • Step 4: The screen will then display your CKYC number and the status of your application

How to Update CKYC Details

To update your CKYC details, follow the steps mentioned below.

  • Step 1: Visit the CKYC website, and use your credentials to log in

  • Step 2: Click on the ‘Update KYC’ tab

  • Step 3: Enter the verification OTP sent to your registered mobile number

  • Step 4: Update details such as your email address, mobile number, and residential address

Types of CKYC Accounts

There exist four kinds of CKYC accounts:

  • Normal Account 

This account is created when you submit any of the following six documents during the time of application:

  1. PAN card

  2. Aadhaar card

  3. Voter ID

  4. Passport

  5. Driving licence

  6. NREGA job card

  • Small Account 

If you do not have any of the listed official documents at the time of application, you can open a small CKYC account. You can do this by submitting your duly filled form along with a photograph. 


Keep in mind that such accounts have limited validity and are marked by restricted transaction limits.

  • Low-Risk/Simplified Account 

When completing your application form, if you are unable to submit any of the six listed documents, you can proceed by submitting your form along with OVDs (Other Valid Documents), as specified by the RBI.

  • OTP eKYC Account 

You can create this account by submitting an Aadhaar PDF file, authorised using an OTP.

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Difference between Normal KYC, eKYC, and CKYC

The difference between a normal KYC, eKYC, and CKYC is as given below:


Normal KYC




Financial Institutions

Financial Institutions

All companies registered with SEBI, RBI, IRDA, and PFRDA


KYC Form and Supporting Documents

Aadhaar Card

CKYC form, Address proof, ID proof, and a photograph

Verification Needed

In-person verification, once the application is submitted

Biometric or OTP based

Documents and application forms verified by CERSAI


 The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial investment advice or endorsement of any sort. 

The information including interest rates with regard to fixed deposit, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any investment or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products. 

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Authorised institutions, IRDAI, MCA, SEBI, and RBI, can access the CKYC records.

In the CKYC registry, available search tabs include Asset-based Searches, AOR Searches, Debtor-based Searches, MIS Reports, Online Reports, Batch Reports, and RMS Reports.

Yes, you require a digital signature to log in.

If your CKYC application is rejected, you will not receive notification of the same by CERSAI. However, the firm applying on your behalf will get notified and can re-apply.

You can expect to receive your CKYC ID and your KYC Identification Number (KIN) within 4-5 days of your application’s approval by CERSAI.

To obtain a CKYC number, you need to approach a financial institution registered with CERSAI and provide the required KYC documents and information. After verification, a CKYC number will be generated and provided by the financial institution.

CKYC is provided by the Central Registry of Securitization and Asset Reconstruction and Security Interest of India (CERSAI).

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