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Central Know your Customer (CKYC) FAQ

  • Q1. What is CKYC?

    CKYC (Central Know Your Customer) is a centralized database of KYC records of customers taking financial services from banks, insurance companies, non-banking financial companies, etc.

  • Q2. What is CKYC or KIN Number?

    CKYC or KIN (KYC Identification Number) is a unique 14 digit Identifier generated for an individual on completing KYC formalities at the time of account opening / updation in any of the above-mentioned financial institutions.

  • Q3. How is CKYC beneficial to me?

    Once your KYC details are registered with CKYC, you will receive a unique KIN number. You can quote this number for establishing new financial relationship/account opening with said financial institutions without having to submit your KYC documents again, provided that there is no change in your KYC document.

    For more information, please watch the video in the link below –

  • Q4. Which all entities can register customers for CKYC?

    All financial institutions regulated by RBI, SEBI, IRDAI and PFRDA can register their customers under CKYC. Once you have opted for any financial product / service offered by these institutions, such as open a bank / credit card / demat account, buy an insurance policy or invest in mutual funds, etc., they will register your KYC with CKYC.

  • Q5. What is the process of completing CKYC?

    When you opt for any financial product / service from any of the financial institutions regulated by RBI, SEBI, IRDAI or PFRDA, these institutions will register your KYC details with the CERSAI (Central Registry of Securitisation and Asset Reconstruction and Security Interest of India).

    You will need to submit the following documents:

    • PAN Number
    • Identity and Address Proof
      • Passport
      • Driving License,
      • Proof of possession of Aadhaar number,
      • Voter's Identity Card issued by Election Commission of India,
      • Job card issued by NREGA duly signed by an officer of the state government,
      • Letter issued by the National Population Register containing details of name and address
    • One recent passport size photograph

    Upon successful registration, you will be provided with a unique KIN. Once the KIN is generated / updated, an SMS / E-mail will be sent by CERSAI to your Registered Mobile Number / E-mail ID.

  • Q6. How do I check my CKYC number?

    You can check your CKYC number by visiting your home branch.

  • Q7. Why did I get a CKYC download notification?

    You receive a CKYC download notification when an institution downloads your KYC record from CKYCR using your KYC Identification Number. It may do so for the purpose of

    • Updating your existing records in CKYCR basis the latest KYC document submitted by you at the time of credit card application, periodic KYC renewal or residence address change.