What is CKYC (and a CKYC number)?

Short answer

CKYC (Central KYC) is India's shared KYC database, the Central KYC Records Registry, run by CERSAI. When you complete KYC with one regulated entity (a bank, NBFC, insurer or mutual fund), your record is uploaded there and you get a 14-digit CKYC identifier (KIN). Other institutions can then download that record with your consent instead of collecting documents again.

Hindi mein samjhiye

CKYC ek central KYC database hai jo CERSAI chalata hai. Ek jagah KYC karne ke baad aapko 14 digit ka CKYC number milta hai. Doosra bank ya NBFC wahi record use kar sakta hai, baar-baar document dene ki zarurat kam hoti hai.

How CKYC works

A regulated entity completes your KYC and uploads the record and documents to the CKYC Registry.
The registry de-duplicates it and issues a 14-digit KYC Identification Number (KIN).
Another institution searches the registry, with your consent and an OTP, and downloads the record.
If your details change, the institution updates the record, and all linked institutions get the update.

How to find your CKYC number

Your bank, insurer or mutual fund usually sends it by SMS or email after KYC. You can also ask any institution where your KYC is complete to look it up, or check your mutual fund or CAS statements, which often print it.

CKYC vs eKYC vs KRA

CKYC: a central registry across banking, insurance, pensions and securities.
eKYC: a verification method (Aadhaar-based), not a registry. See Aadhaar eKYC.
KRA: KYC Registration Agencies for the securities market (SEBI). Largely interoperating with CKYC.

Why lenders care

A CKYC download can prefill onboarding and cut drop-offs, but the record can be stale. Lenders still check liveness and match the record to the person applying. That's the job of a digital KYC flow.

Common questions

What is CKYC?

Central KYC: India's shared KYC records registry, run by CERSAI, so your KYC done at one institution can be reused by others with consent.

What is a CKYC number?

A 14-digit KYC Identification Number (KIN) issued by the CKYC Registry after your KYC record is uploaded.

What is the difference between CKYC and eKYC?

CKYC is a central database of KYC records. eKYC is a method of verifying identity electronically using Aadhaar.

CKYC kya hai?

CKYC central KYC registry hai. Ek baar KYC hone par 14 digit number milta hai jisse doosre bank bhi aapka KYC record use kar sakte hain.

V-CIP (Video KYC)V-CIP (Video-based Customer Identification Process) is RBI's framework for doing KYC over a live video call instead of in person.Aadhaar eKYCAadhaar eKYC is electronic identity verification using UIDAI's Aadhaar system.Re-KYC (periodic KYC update)Re-KYC, or periodic KYC updation, is when a bank or NBFC asks an existing customer to reconfirm or refresh their KYC details.

ZyroAI products for this: Digital KYC.

Written by the ZyroAI team for people building in Indian BFSI. Regulatory rules change, so for binding requirements check the current RBI, NPCI, UIDAI or relevant regulator circular. Last updated 2026-09-24.

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