Central know your customer (ckyc)

In summary

CKYC creates a reusable identity record after a regulated financial institution verifies and uploads the customer’s Know Your Customer information.

• The Central KYC Records Registry is operated by CERSAI.
• Each registered customer receives a unique 14-digit KYC Identifier.
• Banks, NBFCs, insurers, pension providers, and securities intermediaries can retrieve the record under applicable regulations.
• Customers can fetch their CKYC card through the official CKYC portal.
• Changes in personal information must be updated through a financial institution.
• Institutions can request documents again when records are outdated, incomplete, or insufficient

CKYC reduces repeated verification, but it does not permanently remove every future KYC requirement. Central Know Your Customer applies uniform recordkeeping across participating financial sectors. It supports customer verification while helping reporting entities meet regulatory obligations.

.

What is the Central KYC Registry?

The Central KYC Records Registry (CKYCRR) stores customer KYC records submitted by regulated reporting entities. The Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) operates this registry. According to CERSAI’s April 2026 update, CKYCRR holds over 112.5 crore records from more than 8,700 regulated entities. The registry also shares updated information with reporting entities maintaining an account-based relationship with the customer.

What is Central KYC (CKYC)?

A customer completes KYC with a participating financial institution. The institution verifies the information before uploading the record to CKYCRR. CKYCRR then generates a unique 14-digit KYC Identifier. Customers can quote this identifier when starting another eligible financial relationship.The new institution can retrieve the registered record with the required authorisation. However, further verification can apply under regulatory requirements.

Central Know Your Customer includes the following features:

• Unique Identifier: Each successfully registered customer receives a 14-digit KYC Identifier.
• Central Record: Verified identity and address information is stored within CKYCRR.
• Sector-Wide Use: The identifier works across entities regulated by RBI, SEBI, IRDAI, and PFRDA.
• Electronic Retrieval: Authorised reporting entities can retrieve registered KYC information electronically.
• Record Updates: Customers can submit changed details through a participating financial institution.

• Reduced Duplication: Current and complete records can reduce repeated submission of the same documents.

  
  

The official CKYC portal also provides CKYCRR 2.0 integration resources for reporting entities during 2026.

How to Complete Your CKYC in 5 Simple Steps?

Step 1: Approach a participating institution

Visit a bank, non-banking financial company, insurer, pension provider, securities intermediary, or another eligible reporting entity.

Step 2: Complete the KYC form

Provide your personal, identity, address, contact, tax, and occupation details in the prescribed application form.

Step 3: Submit the required documents

Submit your PAN, photograph, and applicable identity and address documents. Requirements depend on the customer and verification method.

Step 4: Complete verification

The institution checks your documents and completes the required customer due diligence before uploading your record.

Step 5: Receive your identifier

CKYCRR generates the 14-digit KYC Identifier after successful record creation. The institution should communicate it to you.

Unlock higher FD returns of up to 8.15% p.a. with Bajaj Finance—fast onboarding with your CKYC. Open FD Account.

Customers can retrieve their CKYC details through these authorised channels:

• Visit the official CKYC portal.
• Select the option to view or fetch your CKYC card.
• Verify the mobile number linked to your CKYC record.
• Give a missed call to 7799022129 from the registered mobile number.
• Check your passbook, account statement, demat statement, policy document, or financial institution’s digital platform.

• Contact the institution that originally completed or updated your CKYC.

  
  

The CKYC card download link is sent to the verified mobile number through SMS.

Types of CKYC Accounts

CKYC is a verification record, not a financial account. The following classifications reflect different KYC completion methods:

Restrictions, validity periods, and transaction limits depend on the applicable regulatory framework and account type.

How to check your CKYC status online?

You can check whether a CKYC record exists by using the card-fetch facility on the official portal. Enter the registered mobile number and complete the required verification. The portal sends the CKYC card download link through SMS.You can also ask your financial institution to confirm whether your record is registered, updated, or awaiting correction.

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

Start your investment journey with high-interest FDs in just minutes. Get up to 8.15% p.a. returns with Bajaj Finance FDs. Check FD Eligibility.

Benefits of CKYC

CKYC can provide the following benefits:

• Fewer Repeated Submissions: Customers can quote their identifier instead of repeatedly providing identical documents.
• Centralised Updates: Changed information can be submitted through one participating institution for updating within CKYCRR.
• Consistent Records: Reporting entities can retrieve information from a common central repository.
• Digital Access: Institutions can search and download customer records electronically.
• Regulatory Support: CKYC helps reporting entities follow uniform verification and recordkeeping requirements.

• Customer Visibility: Customers can access their CKYC card using their registered mobile number.

  
  

These benefits apply when the CKYC record remains current, complete, and retrievable.

Process of completing CKYC

The registration process begins when a financial institution collects and verifies the customer’s KYC information.

Step 1: Fill out the CKYC application form

Provide your name, date of birth, address, contact details, occupation, and other requested information accurately.

Step 2: Submit the required documents

Provide PAN or Form 60, an officially valid document, and a recent photograph, wherever applicable.

Step 3: Complete the verification process

The financial institution verifies your identity, address, photograph, and supporting documents under applicable KYC requirements.

Step 4: Generate your CKYC record

The institution uploads the verified information. CKYCRR creates the record and assigns the 14-digit KYC Identifier.

Step 5: Use CKYC for future financial services

Quote the identifier when approaching another participating institution. Additional documents can still be requested under prescribed circumstances.

Why is CKYC number important?

The CKYC number connects a customer with their verified record in the central repository.

It can:

• Help institutions locate the customer’s existing KYC record
• Reduce repeated submissions of unchanged documents
• Support onboarding across participating financial sectors
• Create a consistent identity record across financial relationships

• Help institutions identify updates submitted through CKYCRR

  
  

The identifier remains connected to the customer. However, the underlying personal information must be updated whenever relevant details change.

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

CKYC does not replace customer due diligence. It centralises verified information used during that process.

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

Documents required for CKYC

Individual customers generally require:

• PAN card or Form 60, wherever applicable
• One officially valid identity and address document
• A recent passport-sized photograph
• Registered mobile number and email address
• Additional proof when the current address differs from the submitted document

Officially valid documents include Aadhaar proof, passport, driving licence, voter ID, NREGA job card, and specified National Population Register letters.

The reporting entity can request further information based on customer type, risk assessment, or applicable regulations.

 Also Read: How to Activate UAN

Why CKYC matters for fixed deposit investors?

A current CKYC record can reduce repeated documentation while opening a Bajaj Finance Fixed Deposit. However, additional verification can apply when required. Bajaj Finance Fixed Deposit applicants need PAN and one accepted KYC document, including Aadhaar, passport, driving licence, or voter ID. Registered KYC records can also provide these documents, subject to successful retrieval and verification.

Bajaj Finance Fixed Deposit accepts investments from Rs. 15,000 to Rs. 3 crore for tenures ranging from 12 to 60 months. Rates effective from 1 May 2026 reach 7.75% p.a. for customers below 60 and 8.15% p.a. for senior citizens. Senior citizens can receive rates up to 0.40% p.a. higher. Investors should check the current FD interest rates before booking.

Looking for a secure, high-return investment?

Get started with Bajaj Finance Fixed Deposit. Get up to 8.15% p.a. returns. Explore FD Plans.

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