Introduction

Modern banking demands seamless and compliant customer onboarding solutions. Our CKYC Search & Download API empowers financial institutions to access and retrieve customer KYC records directly from the Central KYC Registry in real-time.

This robust API simplifies the KYC process by enabling banks to search for existing CKYC records using PAN, name, or other identifiers and securely download verified KYC data and documents — reducing duplication, speeding up onboarding, and ensuring regulatory compliance.

By automating KYC retrieval, the API minimizes manual intervention, lowers the risk of fraud, and enhances customer experience with faster turnaround times and paperless workflows.

Ideal for use in account openings, loan processing, and customer verification, the CKYC API supports efficient and consistent identity verification across financial services.

Accelerate your digital onboarding with our secure, scalable, and easy-to-integrate CKYC Search & Download API — built for the evolving needs of modern finance.

Benefits of Ckyc For Financial Institutions

Single KYC Across Institutions

Once a customer's KYC is registered in CKYC, other financial entities can access and use it — reducing the need to collect KYC documents repeatedly.

Faster Customer Onboarding

With access to centralized KYC records, institutions can onboard customers more quickly and efficiently.

Cost & Time Efficiency

Reduces operational costs by minimizing document collection, storage, and manual verification.

Regulatory Compliance

Ensures adherence to RBI, SEBI, IRDAI, and PFRDA guidelines for KYC norms via a centralized, standardized process.

What Is PAN CARD, and Why Use It?

CKYC (Central Know Your Customer) is a centralized KYC system introduced to simplify and unify customer identification across financial institutions. It enables individuals to complete their KYC process once and use the same verified data across banks, NBFCs, mutual funds, and insurance companies.

Having a CKYC record is essential for faster onboarding, seamless access to financial services, and reducing the need for repetitive documentation — making it a key enabler of digital and paperless financial transactions.

Benefits of CKYC for Customers

One-Time KYC Submission

Customers submit KYC documents once, and the CKYC number can be used across banks, NBFCs, mutual funds, and insurance companies.

Paperless Experience

Reduces paperwork and the hassle of submitting physical documents to multiple institutions.

Faster Access to Financial Services

Speeds up processes like opening accounts, applying for loans, or investing in mutual funds.

Safe and Secure

Personal data is stored in a central government-regulated registry, reducing risks of misuse or data loss.

Frequently asked questions?

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What is CKYC?

CKYC stands for Central Know Your Customer, a centralized repository of KYC records maintained by CERSAI. It allows financial institutions to access verified KYC data from a single platform.

Why was CKYC introduced?

To simplify the KYC process, eliminate repetition, reduce fraud, and ensure uniform compliance across financial sectors regulated by RBI, SEBI, IRDAI, and PFRDA.

What is a CKYC number?

It’s a 14-digit unique number assigned to a customer once their KYC is registered in the CKYC system. This number can be used for all future financial transactions with participating institutions.

How can I get a CKYC number?

Submit your KYC documents (like PAN, proof of address, photo, etc.) to any bank, NBFC, mutual fund, or insurance company that is registered with CKYC. Once verified, your record is uploaded to the CKYC registry and a number is generated.

Can I check my CKYC number online?

Yes. Some financial institutions provide access to check your CKYC status online, or you can contact the institution where you submitted your KYC.

What documents are required for CKYC registration?

Proof of Identity (e.g., PAN Card)
Proof of Address (e.g., Aadhaar, Passport, Utility Bill)
Photograph
Signed KYC Form

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