Central know your customer (ckyc)

CKYC stands for Central Know Your Customer. It was introduced to simplify and unify KYC procedures across financial institutions, enhancing efficiency & reducing duplication.
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4 mins
Aug 27, 2026

The Central Know Your Customer (CKYC) is a centralised KYC system introduced to simplify customer verification across the Indian financial sector. Under the CKYC framework, your identity and address details are securely stored in a central repository after completing the KYC process with a participating financial institution. This allows authorised banks, NBFCs, mutual funds, insurance companies, and other regulated entities to access your verified KYC information, subject to applicable regulations. As a result, CKYC reduces repeated document submissions, streamlines customer onboarding, speeds up account opening, and improves the overall experience while maintaining regulatory compliance.


What is the Central KYC Registry?

The Central KYC Registry is maintained by the Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI). It acts as a central repository where your verified documents are securely stored and updated.

Thanks to CKYC, customers no longer have to submit their KYC documents repeatedly across different financial institutions—your information is just a click away.


What is Central KYC (CKYC)?

Central Know Your Customer (CKYC) is a unified KYC framework introduced by the Government of India to simplify customer verification across financial institutions. Instead of completing separate KYC procedures for every bank, insurance company, mutual fund house, or NBFC, individuals can complete the process once and have their details stored in a central repository. Once registered, a unique 14-digit CKYC number is generated and can be used across participating financial institutions.

Fixed Deposit

  1. Trusted by over 5 lakh customers
  2. Fixed Deposits worth more than Rs. 50,000 crore booked
  3. Rated CRISIL AAA/STABLE and [ICRA]AAA(STABLE)
  4. Up to 0.35% p.a. extra interest offered for senior citizens
  5. Flexible interest payout options available - Monthly, Quarterly, Half-yearly, Annually or at Maturity

By proceeding, you agree to our Terms and Conditions

Key features of CKYC

  • One 14-digit CKYC number that works across all SEBI, RBI, IRDA, and PFRDA registered entities.
  • Secure digital storage of your documents—no more repeated physical submissions.
  • Seamless updates—change your address or contact details once, and it reflects everywhere.
  • Government-regulated data security to ensure your privacy.

Avoid paperwork fatigue. Complete CKYC once and invest freely across FDs and more on the Bajaj Finance website or APP. Check FD Interests now!


How to Complete Your CKYC in 5 Simple Steps

  • Choose a CKYC-enabled provider like a bank, NBFC, or investment platform.
  • Collect required documents: Aadhaar, PAN, photo, and proof of address.
  • Submit online or offline depending on the provider’s process.
  • Verification by the institution and upload to the CERSAI database.
  • Receive your CKYC number, valid for life.

This one-time process unlocks access to a wide range of financial services.

Unlock higher FD returns of up to 7.75% p.a. with Bajaj Finance—fast onboarding with your CKYC. Open FD Account.

Fixed deposit variants

Highest Credit Ratings | Trusted with over 1.4 million Deposits | Assured Returns on FD
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Fixed Deposit - 60 Months

INTEREST RATES UP TO
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Fixed Deposit - Senior Citizen

INTEREST RATES UP TO
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Fixed Deposit - Age below 60

INTEREST RATES UP TO
7.40% p.a.
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Fixed Deposit - Minor

INTEREST RATES UP TO
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Fixed Deposit - HUF

INTEREST RATES UP TO
7.40% p.a.
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Fixed Deposit - Sole Proprietor

INTEREST RATES UP TO
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Where can I check my CKYC Number?

You can retrieve your CKYC number through the following methods:

  • Visit the CKYC Home Page: https://www.ckycindia.in/ckyc/?r=home
  • Give a missed call to 7799022129 to receive a download link for your CKYC card
  • Access your CKYC card via DigiLocker
  • Use the ‘View your CKYC card’ feature here: https://ckycindia.in/kyc/getkyccard

Types of CKYC Accounts

TypeWhen It’s Used
Normal CKYCWhen you provide any of the six officially valid documents.
Simplified CKYCWhen submitting alternative documents like utility bills.
Small Account CKYCIf you lack documents—comes with limited validity and usage.
OTP-Based eKYCCompleted via Aadhaar and OTP-based PDF from UIDAI.

How to check your CKYC status online

Want to check if your CKYC is complete? Follow these steps:

  1. Visit the website of your financial provider.
  2. Login and find the CKYC section.
  3. Look for “CKYC Status” or “KYC Details.”
  4. Enter your PAN or CKYC number to view status.

Tip: If you’re unable to find it, your provider’s customer service can help.

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Benefits of CKYC

  • One-time KYC: Complete once, use for life.
  • Reduced duplication: No more submitting KYC for every new investment.
  • Better security: Centralised verification reduces fraud risks.
  • Smarter experience: Saves time and improves onboarding speed.
  • Supports digital onboarding for FDs, mutual funds, insurance, and more.

Process of completing CKYC

Completing CKYC creates a centralised KYC record that can be accessed by participating financial institutions. Once your details are verified and uploaded, you can use the same CKYC record when opening eligible financial accounts, reducing repetitive documentation and speeding up customer onboarding.


Step 1: Fill out the CKYC application form

Obtain the prescribed CKYC form from a participating financial institution. Enter your personal, contact, and identity details carefully to avoid delays during verification.


Step 2: Submit the required documents

Provide valid identity proof, address proof, PAN, a recent photograph, and any additional documents requested under applicable KYC guidelines.


Step 3: Complete the verification process

The financial institution verifies your identity and supporting documents before submitting your information to the Central KYC Records Registry (CKYCRR).


Step 4: Generation of your CKYC record

After successful verification, your details are uploaded to the CKYCRR, and a unique CKYC identifier is generated for your record.


Step 5: Use your CKYC for future financial services

Participating financial institutions can retrieve your verified CKYC details, reducing repeated document submissions and making future account openings faster and more convenient.


This structured process ensures a seamless customer experience while improving regulatory compliance across the financial ecosystem.


Why is CKYC number important?

A CKYC number is a unique 14-digit identification code assigned once an individual's KYC details are successfully registered in the central CKYC repository. It serves as proof that the customer's identity and verification records are available within the centralised system.


The significance of a CKYC number includes:

  • Eliminating the need to complete KYC formalities separately with multiple financial institutions
  • Streamlining the account opening and onboarding process for banking, lending, and investment products
  • Minimising errors caused by repeated document submissions
  • Establishing a uniform framework for customer verification across the financial sector

  • Enhancing efficiency and reducing administrative workload for financial service providers


A valid CKYC number allows financial institutions to access pre-verified customer information, helping simplify transactions and improving the overall customer experience.


CKYC vs eKYC vs normal KYC: What’s the difference?

FeatureNormal KYCeKYCCKYC
Submission MethodPhysicalDigital via AadhaarCentralised, one-time
Verification TypeIn-personBiometric or OTPVerified by CERSAI
ValidityPer institutionPer institutionValid across all institutions

CKYC is the only format accepted across SEBI, RBI, IRDA, and PFRDA-regulated firms.


Documents required for CKYC

To complete CKYC, you will typically need:

  • Aadhaar Card / Passport / Voter ID (Proof of Identity)
  • Utility bill / Aadhaar / Voter ID (Proof of Address)
  • PAN Card
  • Passport-size photograph

  • Bank account details (if applicable)


 Also Read: How to Activate UAN


Why CKYC matters for fixed deposit investors

If you are planning to invest in Bajaj Finance Fixed Deposits, having a CKYC number makes the process seamless. Here's how:

  • Regulatory Compliance: CKYC is required under RBI rules for most financial products.
  • Faster FD Booking: Skip lengthy documentation and start investing sooner.
  • One-Time Setup: Future renewals and new FDs won’t require repeat KYC.

  • Higher Security: Your data is stored and verified centrally, protecting your financial interests.


Looking for a secure, high-return investment?

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Calculate your expected investment returns with the help of our PPF and Gratuity calculators.

Frequently asked questions

How do I get my CKYC number?

You can verify your CKYC number and status online through financial institutions that offer a CKYC check service. Follow these steps to check your CKYC details:

  1. Visit the official website, (currently, only Karvy and Central Depository Services Limited provide this service).
  2. Enter your PAN details.
  3. Input the security/CAPTCHA code as displayed.
  4. Your CKYC status and related details will appear on the screen.

Alternatively, you can contact the financial institution where you initially submitted your CKYC documents to obtain your CKYC number.

How do I download my CKYC certificate?

To download your CKYC certificate, visit the official Central KYC Registry website and follow the instructions provided.

Is CKYC compulsory?

Yes, CKYC registration is mandatory for all individuals interacting with financial institutions regulated by SEBI, RBI, IRDAI, or PFRDA as per government guidelines.

Can I complete CKYC online?

Yes, CKYC can be completed online through registered financial institutions or intermediaries.

Is CKYC a full KYC?

CKYC constitutes a comprehensive KYC process, covering all required details for financial transactions.

Who is maintaining CKYC?

The Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) manages CKYC, operating under the PML Rules, 2005, for maintaining KYC records efficiently.

Is CKYC safe?

Yes, CKYC is handled by CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest), a government-authorised body. Your data is stored securely and is shared with financial institutions only when necessary.

Why is CKYC needed?

CKYC is necessary for streamlining KYC processes, reducing duplication, enhancing efficiency, and maintaining standardized records across financial institutions, thus facilitating seamless transactions.

What is the 14 digit CKYC number?

The CKYC number is a 14-digit unique identification assigned to individuals after completing the KYC process. It is securely stored electronically and linked to the applicant’s ID proof for seamless financial transactions.

How long is CKYC valid for?

Your CKYC number, once issued, is valid for a lifetime. It serves as a permanent reference across financial institutions. However, you may need to update your CKYC details if there are changes in your personal information.

How much is the CKYC fee?

The charges for creating, downloading, and updating a CKYC record are Rs. 0.80, Rs. 1.10, and Rs. 1.15 respectively. These charges are exclusive of any applicable taxes.

Is CKYC mandatory?

Yes, KYC (Know Your Customer) is a mandatory process in the financial sector to verify a customer's identity. It helps ensure transparency, enhances security, and prevents issues like financial fraud, money laundering, and terrorist financing.

Who issues CKYC?

CKYC is maintained by CERSAI (Central Registry of Securitisation and Asset Reconstruction and Security Interest of India), which acts as the central repository for customer identification records.

Why is the CKYC number important?

The CKYC number plays a vital role in streamlining financial transactions. It helps financial institutions verify and update customer identity in a secure and centralised manner, reducing the risk of fraud and money laundering.

What does CKYC stand for?

CKYC stands for Central Know Your Customer. It's a unified KYC system that allows financial institutions to access and verify customer details through a central database, simplifying the onboarding and compliance process.

What are the CKYC regulations for financial institutions in India?

CKYC regulations require regulated financial institutions to verify customer identity and upload KYC records to the Central KYC Records Registry (CKYCRR). This creates a unique CKYC record that authorised institutions can access, reducing duplicate KYC submissions while ensuring compliance with applicable regulatory requirements.

How do I implement CKYC verification for existing customers?

To implement CKYC verification for existing customers, financial institutions should validate customer identity, collect or update KYC documents where necessary, and verify whether a CKYC record already exists. If required, customer information should be updated or uploaded to the CKYCRR to maintain accurate and compliant records.

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As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
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