The Central KYC Records Registry (CKYCRR) is a government-regulated centralized platform under India’s Prevention of Money Laundering Act (PMLA). It is managed by CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India) and aims to simplify, secure, and unify the Know Your Customer (KYC) process for individuals and institutions.
CKYCRR acts as a single-point repository where verified KYC data is stored and accessed by authorized financial institutions. It eliminates the need for customers to submit KYC documents repeatedly, ensuring a seamless and uniform onboarding process across banks, insurance firms, mutual funds, and NBFCs.
Key Highlights:
Centralized storage for all KYC records
Managed by CERSAI
Ensures regulatory compliance with PMLA
KYC Submission: Customer submits KYC documents to a financial institution.
Data Upload: Institution uploads the KYC to CKYCRR.
KIN Generation: A 14-digit KYC Identification Number (KIN) is assigned.
Access Across Institutions: Customers share their KIN to reuse their KYC across banks or financial platforms.
Example: Ravi submitted KYC at Axis Bank and received a KIN. Later, he used the same KIN to open an account at HDFC without resubmitting any documents.
| Feature | Description |
|---|---|
| Unique KIN | One-time 14-digit code for all your financial KYC needs |
| Data Privacy | Access to KYC only with customer consent |
| Regulatory Compliance | Meets RBI, SEBI, IRDA mandates |
| Paperless Onboarding | Smooth digital verification process |
To register with CKYCRR, customers must submit:
Proof of Identity: PAN, Aadhaar, Passport, Voter ID
Proof of Address: Utility bill, Rent agreement, Aadhaar
Date of Birth Proof: PAN, Aadhaar, Passport
Photograph: Passport-sized (if required)
| Method | Details |
| Through Bank | Contact your bank/financial service provider |
| Online Portals | Some banks/MFs provide online KIN look-up |
| Paper Documents | Check old KYC-related forms or documents |
📅 Keep your PAN or Aadhaar ready for faster retrieval.
✔ One-Time KYC: Submit once, reuse everywhere
✔ Data Security: CERSAI ensures encrypted and safe access
✔ Faster Account Opening: Quick processing
✔ Cost Saving: Reduces repeated documentation for institutions
✔ Digital India Compliant: Aligned with Digital Public Infrastructure
Mutual Fund Onboarding: KRA/MF platforms fetch CKYC for new investors
Insurance & Loans: Faster loan approvals using KYC data
Blockchain Integration: Exploring tamper-proof storage
Cross-Border Compliance: Aligning with global KYC standards
Mobile App Support: Several banks now integrate CKYC checks via mobile banking apps
| Type | Mode | Authority | Unique Feature |
| CKYC | Centralized | CERSAI | One-time use KIN, used across institutions |
| e-KYC | Aadhaar-based | UIDAI | OTP-based paperless verification |
| KRA | Mutual Funds | SEBI-approved KRAs | Used for MF investors (e.g., CAMS, Karvy) |
CKYCRR: Central KYC Records Registry
CERSAI: Central Registry of Securitisation Asset Reconstruction and Security Interest of India
KIN: KYC Identification Number
PMLA: Prevention of Money Laundering Act
KRA: KYC Registration Agency
CKYCRR stands for ‘’Central KYC Records Registry.’’
It simplifies the KYC process by creating a centralized database, eliminating the need for customers to resubmit KYC documents for every new account.
A KIN is a unique 14-digit number assigned to each customer whose KYC data is stored in the CKYCRR.
Contact the financial institution where you completed your KYC or check through online banking portals or physical documents.
Yes, you can submit updated documents to a financial institution to update your KYC record in the CKYCRR.
Yes, all financial institutions in India are required to participate in CKYCRR as per regulatory guidelines.
CKYCRR is managed by **CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India)**, ensuring data security and privacy.
You will be notified of the reason for rejection and may need to resubmit the required documents.
Yes, with your consent, multiple institutions can access your KYC data.
No, Aadhaar is not mandatory, but it is one of the preferred documents for proof of identity and address.
Yes, NRIs can use CKYCRR, but they may need to provide additional documents like a foreign address proof and passport.
Failure to update KYC details may lead to restrictions on your financial accounts.
No, customers do not need to pay any fees for CKYCRR services.
CERSAI manages the CKYCRR, ensuring secure storage and sharing of KYC records.
KYC data remains valid unless there are changes in personal information, which must be updated.
CKYCRR is a transformative initiative that simplifies the KYC process, enhances data security, and ensures regulatory compliance. By centralizing KYC records, it benefits both customers and financial institutions, making financial services more accessible and efficient. As technology evolves, CKYCRR is poised to play an even greater role in India’s financial landscape.
Final Thoughts CKYCRR plays a pivotal role in digitizing India's financial ecosystem. From simplifying onboarding to enhancing compliance, it bridges gaps across sectors. With growing financial inclusion and tech integration, CKYCRR is likely to evolve as a global-ready KYC hub.
Access CKYCRR Official Site