CKYC Number
Central Know Your Customer (CKYC) is a centralized repository for KYC documents of individuals who wish to use financial services across various financial institutions. This has eliminated the need to complete the KYC procedure with each institution individually.
During the union budget 2012-13, the CKYC initiative was introduced and came into effect on 1 February 2017.
With the introduction of CKYC, the process of onboarding customers through KYC verification has become simple and quick. The Central Registry for Securitization Asset Reconstruction and Security Interest of India (CERSAI) is responsible for maintaining the KYC records of customers. Storing KYC records in a centralized repository facilitates quick and convenient access to a customer's data for various financial institutions.
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Process of Completing CKYC
To complete your CKYC, you can visit the registrar's office (CAMS) office or contact any financial institution that is regulated by the RBI, IRDA, PFDRA, or SEBI.
The documents required to get your CKYC done are as follows:
- Duly filled form
- Proof of identity
- Proof of address
- PAN card
- Passport size photograph
The verification of your form and documents will be done via an in-person verification (IPV) process. A 14-digit KYC Identification Number (KIN) will be assigned to you after the completion of verification. When availing of financial services, you should provide this CKYC number to demonstrate that you are CKYC compliant.
Types of CKYC Accounts
The types of CKYC accounts are as follows:
- Normal account - On submitting any six identity proof documents such as Aadhaar card, PAN card, voter ID, driving licence etc., a normal CKYC account is created.
- Small account - If you don't have valid documents, you can submit a duly filled form along with a photograph. Such accounts have limited validity and transactions.
- OTP based eKYC account - To create this account, you have to submit an Aadhaar-based PDF file enabled by an OTP from the UIDAI website.
- Simplified/Low-risk account - If you don't possess any of the size official documents, you can create this account by submitting Other Valid Documents (OVDs) as per the RBI guidelines.
Steps to Check CKYC Status Online
The status and CKYC number can be checked online on the web portal of any financial institution that offers a CKYC check service.
Here are the steps to check your CKYC status online:
- Step 1: Visit the web portal and log in.
- Step 2: Enter your PAN card number.
- Step 3: Enter the security code. Your CKYC number will be shown on the screen.
FAQs on CKYC Number
- What is CKYC?
Central Know Your Customer (CKYC) is a centralised repository for KYC documents of individuals who wish to use financial services across various financial institutions.
- How do I get a CKYC number?
On submitting the relevant documents to a financial institution, you will receive a 14-digit KYC Identification Number (KIN).
- Can I check my CKYC status online?
Yes. You can check your CKYC status online.
- Is CKYC mandatory?
No. Unlike KYC, CKYC is not mandatory.
- When did CKYC commence?
CKYC has been effective from 1 February 2017.
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