CKYC India – How to Complete Central KYC & Check CKYC Number

By REPAKA PAVAN ADITYA

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Updated on: May 14th, 2025

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7 min read

Are you tired of submitting the same KYC documents every time you open a bank account, buy insurance, or invest in mutual funds? The Indian government has a solution called Central KYC (CKYC) that makes this process easy, fast, and hassle-free. In this guide, we’ll explain CKYC, how to complete it, and how to check your CKYC number. Whether you’re new to finance or have limited literacy, this article is for you.

What is CKYC? 

CKYC stands for Central Know Your Customer. It’s like a single ID card for all your financial needs in India. Imagine having one number that stores all your personal details (like name, address, and ID proofs) in a safe, government-managed system. This number is called your CKYC number, and it’s a 14-digit unique code.

With CKYC, you don’t need to submit documents like your PAN card or Aadhaar card every time you deal with a bank, insurance company, or mutual fund. Once your CKYC is done, you can use this number to start new financial services quickly. It saves time, reduces paperwork, and makes life easier!

For example:

  • Opening a new bank account? Just share your CKYC number.
  • Buying a mutual fund? No need to submit documents again.
  • Getting insurance? Your CKYC number does the job.

CKYC is managed by a government body called CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest). They keep your information safe and share it with banks or companies only when needed.

Why Was CKYC Started?

The Indian government created CKYC under the Prevention of Money Laundering Act, 2002, to stop illegal activities like black money. Before CKYC, people had to submit KYC documents for every new financial service, which was time-consuming. CKYC solves this by creating a single KYC system for all financial companies, such as:

  • Banks
  • Insurance companies
  • Mutual fund companies
  • Non-Banking Financial Companies (NBFC’s)

This makes the process faster for you and helps the government track financial activities better.

Background of CKYC

Section 73 of the Prevention of Money Laundering Act, 2002, gives the central government the authority to frame various rules and regulations to curb black money. With this authority, the Central Government introduced CKYC to ensure single KYC for individuals looking to buy or invest in financial instruments. The Central Registry of Securitisation Asset Reconstruction and Security Interest (CERSAI) is the governing body that manages the CKYC registry.

How Does CKYC Work?

Let’s say you want to invest in a mutual fund. Here’s how CKYC helps:

  • You visit a mutual fund company or bank.
  • They ask you to fill a KYC form and submit documents (like PAN and Aadhaar).
  • The company sends your details to CERSAI.
  • CERSAI verifies your documents and gives you a 14-digit CKYC number.
  • Next time you want to invest in another mutual fund or open a bank account, you just share your CKYC number. No need to submit documents again!

This makes investing or starting financial services super easy.

Who Can Register You for CKYC?

Only certain financial companies can register you for CKYC. These are companies approved by government regulators like

  • RBI (Reserve Bank of India) – for banks
  • SEBI (Securities and Exchange Board of India) – for mutual funds and stock market
  • IRDAI (Insurance Regulatory and Development Authority of India) – for insurance
  • PFRDA (Pension Fund Regulatory and Development Authority) – for pension schemes

Key Features of CKYC

Here’s why CKYC is so helpful:

  • One 14-digit number: Your CKYC number is linked to your ID proofs (like Aadhaar or PAN).
  • Safe storage: Your details are stored securely in a digital system.
  • Verified documents: The bank or company checks your documents with the original issuer (e.g., UIDAI for Aadhaar).
  • Automatic updates: If you update your address or phone number, all companies using CKYC are informed.
  • Works everywhere: Use the same CKYC number for banks, mutual funds, insurance, and more.
  • Fast process: Open accounts or invest in real-time using CKYC.
  • Secure access: Only authorized companies can access your details with strong security measures.

Which Institutions can Register Customers for CKYC?

Financial institutions regulated by SEBI, RBI, IRDAI, and PFRDA can register your KYC details with CKYC. When you open a bank account, Demat account, purchase an insurance, or invest in mutual funds, these financial institutions will register your KYC details with CKYC. 

Places Where You Can Get CKYC Done

  • Banks (like SBI, HDFC, or ICICI)
  • Mutual fund companies
  • Insurance companies (like LIC or Bajaj Allianz)
  • Stockbrokers or Demat account providers

How to Complete the CKYC Process

Completing CKYC is simple. Follow these steps:

Visit a CKYC-approved place:

  • Go to a bank, mutual fund office, insurance company, or any financial institution that supports CKYC.
  • Example: Your local bank branch or a mutual fund agent.

Submit your documents:

  • You need to give some basic documents (see the list below).
  • Carry originals and photocopies for verification.

Get verified:

  • The company will check your documents with the issuer (e.g., they’ll verify your Aadhaar with UIDAI).
  • This ensures your details are correct.

Receive your CKYC number:

  • Once verified, CERSAI will issue you a 14-digit CKYC number.
  • This number is sent to you through the bank or company, usually via email, SMS, or a letter.

Note: The process is usually free, but some companies might charge a small fee. Ask beforehand to confirm.

Documents Needed for CKYC

You need the following to complete CKYC:

Proof of Identity (POI): Any one of these:

  • PAN card
  • Aadhaar card
  • Voter ID
  • Passport
  • Driving License
  • NREGA Job Card

Proof of Address (POA): Any one of these:

  • Aadhaar card
  • Passport
  • Voter ID
  • Driving License
  • Utility bill (electricity, water, or gas bill – not older than 3 months)
  • Bank statement (not older than 3 months)
  • Rent agreement (registered)
  • Passport-size photograph: One recent photo.
  • Signature: You may need to sign the KYC form.

Tip: Always carry originals and photocopies. The company will verify originals and keep copies.

Types of CKYC Accounts

There are four types of CKYC accounts, depending on the documents you submit:

Normal Account:

  • Created when you submit one of the six main IDs (PAN, Aadhaar, Voter ID, Passport, Driving License, or NREGA Job Card).
  • Most common type.

Simplified Measures Account:

  • Created with other valid documents allowed by RBI (e.g., government-issued certificates).
  • CKYC number starts with ‘L’.

Small Account:

  • Created with just your personal details and a photo (no ID proof).
  • CKYC number starts with ‘S’.
  • Limited to small transactions.

OTP-Based eKYC Account:

  • Created using an Aadhaar PDF file (downloaded from UIDAI) and an OTP sent to your phone.
  • CKYC number starts with ‘O’.

Most people get a Normal Account as it’s the easiest and most flexible.

How to Check Your CKYC Number

If you’ve already done CKYC but don’t know your number, you can check it online. Here’s how

  • Visit an authorised website
    • Go to the Karvy website.
    • Other platforms like CAMS or NSDL may also offer this service (check their websites).
  • Enter your PAN number:
    • Type your PAN number in the provided box.
  • Enter the security code (CAPTCHA):
    • Type the code shown on the screen to prove you’re not a robot.
  • See your CKYC number:
    • Your CKYC number and personal details will appear.
    • You can download a CKYC report if needed.

Note: If you don’t have internet access, visit your bank or mutual fund office. They can check your CKYC number for you.

Is CKYC Mandatory?

Yes, CKYC is mandatory for all new customers of financial companies regulated by RBI, SEBI, IRDAI, or PFRDA. This includes:

  • Opening a bank account
  • Investing in mutual funds
  • Buying insurance
  • Opening a Demat account for stocks

If you’re an existing mutual fund investor, you may not need CKYC yet. But if you invest with a new mutual fund company, you’ll need to complete CKYC.

In the future, all investors might need CKYC, so it’s good to do it now!

Benefits of CKYC

CKYC makes your financial life easier. Here’s how:

  • No repeated paperwork: Submit documents only once.
  • Saves time: Start new financial services quickly with your CKYC number.
  • Works across companies: Use the same number for banks, insurance, mutual funds, and more.
  • Easy updates: Change your address or phone number once, and all companies are updated.
  • Secure: Your details are stored safely with strong protection.
  • Helps the government: CKYC reduces illegal financial activities.

List of All POA Documents:

  • Besides Aadhaar and Passport, you can use utility bills (electricity, water), bank statements, or registered rent agreements as Proof of Address.

Online CKYC Option:

  • Some platforms may allow you to start CKYC online (e.g., through CERSAI or mutual fund websites). Check with your bank or CERSAI for updates.

How Long It Takes:

  • Getting a CKYC number usually takes 3-7 days after document verification, but it depends on the company and CERSAI.

Updating CKYC Details:

  • To update your address, phone, or other details, visit your bank or mutual fund office. They’ll send the changes to CERSAI. Some platforms may allow online updates soon.

Is It Free?:

  • CKYC is usually free, but some companies may charge a small fee (e.g., ₹50-100). Always ask before starting.

CKYC for NRIs and Minors:

  • NRIs: Need a passport, OCI/PIO card, or foreign address proof.
  • Minors: Need a guardian’s documents and the minor’s birth certificate or Aadhaar.

Other Platforms to Check CKYC:

  • Besides Karvy and CDSL, try CAMS, NSDL. CERSAI may also offer a direct check option soon.

What If There’s an Error?:

  • If your CKYC details are wrong (e.g., incorrect name), contact the bank or company that registered you. You can also reach CERSAI at their helpdesk.

CKYC and Other KYC Systems:

  • CKYC works alongside KYC Registration Agencies (KRAs) used for mutual funds. In the future, CKYC may replace KRAs for a single system.

Future Rules:

  • Existing mutual fund investors might need CKYC later. Stay updated via your bank or mutual fund company.

Offline CKYC Check:

  • If you don’t have internet, visit a bank or mutual fund office to check your CKYC number.

Joint Accounts:

  • For joint accounts, each person needs their own CKYC number.

Tips for a Smooth CKYC Experience

  • Carry all documents: Always have originals and photocopies ready.
  • Double-check details: Make sure your name, address, and other details are correct in the KYC form.
  • Save your CKYC number: Write it down or store it safely in your phone/email.
  • Ask for help: If you’re confused, ask your bank or mutual fund agent to explain in simple language.
  • Check updates: Visit www.cersai.org.in for the latest CKYC news.

Conclusion

Central KYC (CKYC) is a game-changer for anyone dealing with banks, mutual funds, or insurance in India. With just one 14-digit number, you can avoid repetitive paperwork and start financial services quickly. Whether you’re opening a bank account, investing in mutual funds, or buying insurance, CKYC makes the process simple and secure.

To get started, visit your bank or mutual fund office, submit your documents, and get your CKYC number. If you already have one, check it online using your PAN. With CKYC, managing your finances is now easier than ever!

For more details, visit www.cersai.org.in or ask your bank for help. If you found this guide helpful, share it with friends and family to make their financial journey smoother too

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Frequently Asked Questions

Which organizations can register customers for CKYC?

When you buy a financial product from a bank or other financial institution that follows rules set by SEBI, RBI, PFRDA or IRDAI, they will record your KYC information with the CERSAI. 

What is Central KYC Registry?

CERSAI is responsible for storing customer KYC records in one central place. Keeping standardized KYC records in a central database makes it easy for different financial institutions to use the data, making things more convenient for both customers and institutions.

About the Author
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REPAKA PAVAN ADITYA

Stocks and Mutual Funds Research Analyst
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I manifest my zeal in financial quantitative & quantitative research and have been instrumental in creating a robust process for the evaluation and monitoring of mutual funds. I’m responsible for Equity and Mutual Funds Research while creating instrumental mathematical models for portfolio construction after evaluating funds, and I play an integral role in analyzing changes in mutual funds, micro, and macro-economic indicators, and equity market events and trends. My views on asset classes which are integral in creating an investment strategy for any profile. Read more

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