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The Central Know Your Customer (CKYC) initiative was launched by the Indian Central Government. Its main objective is setting up a framework by which investors and traders need only go through the KYC process once before they start interacting with players in the financial markets. This initiative is to be overseen by the Central Registry of Securitization Asset Reconstruction and Security Interest of India, or the CERSAI. By means of this initiative, the Central Government aims to reduce the cumbersome procedure of undertaking the KYC process every time an investor/trader wishes to interact in the market. The Central KYC Registry, or the CKYCR, stores all KYC-related information pertaining to investors in the Indian market.

CKYC Registry

The Central KYC Registry, or the CKYCR, functions as the keeper of all KYC-related information, of every investor/trader in the Indian financial market. This body is in charge of maintaining standard norms pertaining to KYC and enables the free inter-usability of all KYC records, across the pertinent sectors.

Why is CKYC Important?

The Central KYC initiative has been launched by the Central Government of India with the aim of cutting back the hassle of requiring investors and traders to repeatedly go through the KYC process each and every time they wish to interact with financial players in the market. In addition to ensuring a one-time KYC process for all investors and traders, the CKYC initiative is backed by the usage of electronic mediums to safely store and process KYC data, prevent fraud and scams, ensure transparency and accountability, reduce costs greatly, and ensure real-time notifications pertaining to KYC related processes.

Benefits of CKYC

The benefits of the Central KYC Registry are as follows:


  • Single KYC: This implies that for all investors and traders engaged or wishing to engage in the Indian financial markets, there is a single, standard KYC process in place.

  • Due Diligence: To ensure that information provided is both accurate and reliable, this agency is responsible for ensuring due diligence of all KYC-related information and processes.

  • Preventing Fraud: The Central KYC Registry is also tasked with the mission of preventing fraudulent activities such as money laundering, by ensuring that all KYC-related processes are carried out under its strict and diligent ambit.

  • Digitization: The CKYCR is equipped with the latest technology it has to offer in terms of data management and synchronisation, making it easier to process the information received digitally.

  • Scale Down Costs: Given that the CKYCR is the sole body working on KYC-related information, it will imply a scaling down of costs pertaining to routine KYC checks and securing the said information.

  • Real-Time Notifications: By making use of the latest in technology, the CKYC initiative strives to ensure that all concerned parties are notified, in real-time, of changes in their application status, as well as sent updates and notifications.

Documents Needed for CKYC

The following documents need to be furnished by business entities to complete the CKYC process:


  • The Business Entity’s PAN Card

  • Duly Signed Institution Registration Form

  • Certificate, License, and Notification issued by the said Regulator

  • Corporate Identification Number

  • Registration Certificate

  • A Certified Copy of the Photo Identity Card of the User Administrator

  • Certified ID Proof of the User Administrator


The following documents need to be furnished by individuals to complete the CKYC process:


  • Self-Attested copies of Passport, Voter ID, AadhaarCard, PAN Card, Driving License

  • A sample of your Signature

  • Passport Size Photographs

  • Contact Details

  • Details pertaining to the Authorised Representative (in the case of a Minor)

Process of Getting CKYC Done

The following steps need to be followed by business entities to complete the CKYC process:


  • Step 1: Start by visiting the CKYC website and click on the ‘Register a New FI’ tab.

  • Step 2: Next, fill in the details of the designated admins – those who will be tasked with managing the details of the website.

  • Step 3: Proceed by filling in the requisite details pertaining to your financial institution, as well as the regulatory body of the registration.

  • Step 4: Next, download the FI registration form, and once filled up, submit the same along with the requisite documents.

  • Step 5: Once your registration is complete, you will receive a temporary reference number, which will also be shared with your nodal officer.

  • Step 6: Finally, finish the process by testing all functionalities mentioned in the checklist.

  • Step 7: If the details furnished by you are accurate and verified, CERSAI will approve your request.


The following steps need to be followed by individuals to complete the CKYC process:


  • Step 1: Start by visiting the CKYC website, and then enter your PAN card details.

  • Step 2: If your KYC has already been verified, the site will prompt you to modify your existing details.

  • Step 3: Proceed by entering personal information such as your name, email address, mobile number, and your Aadhaar number.

  • Step 4: Next, upload self-attested copies of your Aadhaar card and your PAN card.

  • Step 5: Use the webcam to upload a photograph of yourself, and also upload a copy of your signature.

  • Step 6: You will then be directed to an in-person verification, via your webcam.

  • Step 7: Finally, click on the ‘Submit’ button, and your application will then be sent for further review and approval.

CKYC Number and ID

Once you have followed the steps mentioned above, and have successfully completed a registration on the CKYC portal, you will be furnished with a 14-digit KIN, or KYC Identification Number. Whenever you wish to avail of financial services, you must use this 14-digit KIN, to indicate that your CKYC is complete.

How to Check CKYC Status Online

If you wish to check the status of your CKYC application online, and search for CKYC number check online, follow the steps mentioned below:


  • Step 1: Start by visiting the CKYC website, and use your credentials to log in.

  • Step 2: Next, enter your PAN card number.

  • Step 3: Proceed by then entering the security code displayed.

  • 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: Next, click on the ‘Update KYC’ tab.

  • Step 3: A verification OTP will be sent to your registered mobile number. Enter that to proceed.

  • Step 4: Once verified, you can proceed to update details such as your email address, mobile number, and residential address.

Types of CKYC Accounts

Primarily, 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 – PAN Card, Aadhaar Card, Voter ID, Passport, Driving License and NREGA Job Card.

  • Small Account: If you do not have any of the listed official documents during the time of application, you can proceed by opening a Small CKYC account, by way of submitting your duly filled form along with a photograph. Such accounts have limited validity and are marked by restricted transaction limits.

  • Low-Risk/Simplified Account: During the time of filling your application form, if for some reason you cannot 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: This account is created on the submission of an Aadhaar PDF file, authorised by way of an OTP.

Difference between Normal KYC, eKYC, and CKYC?

The difference between a Normal KYC, eKYC, and CKYC is as elucidated below:



Normal KYC



Transactions With

Financial Institutions

Financial Institutions

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


KYC Form and Supporting Documents


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 form verified by CERSAI


  • ✔️Which institutions can access the CKYC records?

    The CKYC records can be accessed by authorised institutions, IRDAI, MCA, SEBI, and RBI.

  • ✔️In the CKYC registry, what search tabs are available?

    In the CKYC registry, Asset-based Searches, AOR Searches, Debtor based Searches, MIS Reports, Online Reports, Batch Reports, and RMS Reports can be searched.


  • ✔️Do I need a digital signature to log in?

    Yes, you necessarily require a digital signature to log in.

  • ✔️If by chance my CKYC application is rejected, will I be notified?

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

  • ✔️Within how many days can I expect to receive my KIN?

    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.