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Central Know Your Customers (CKYC)-How to check cKYC in 2023?

Written by - Akshatha Sajumon

January 5, 2023 6 minutes

Know your Customer or KYC is a fairly familiar term to all of us as it is required whenever we are making a financial interaction like opening a bank account or even registering on an UPI payment application. 

While the KYC is very necessary, it can be a lot of hassle as it involves producing documents pertaining to your identity and address. To make this process less tiresome and hassle free, the cKYC or Central KYC was introduced. This cKYC works for both large financial organisations and for individuals. cKYC plays a very important role in relieving the pressure of going through various KYC transactions.

It saves you from the hassle of KYC verification during every financial interaction which helps a lot of processes to run much quicker and smoother. 

What is cKYC

cKYC or the central KYC is a centralised repository of KYC records of customers availing financial services. The cKYC was first introduced in the union budget of the year 2012-2013. This is a directive of the Indian Ministry of Finance and has been in operation from the year 2016. 

Background on CKYC

The aim of the cKYC directive is to create a single platform for customer verification and reduce the hassle of the KYC verification process every time an individual has a financial interaction. cKYC aims at creating a single database where all the KYC information of all customers is verified and stored, this database is called the Central KYC Records Registry or the CKYCR.

The cKYC is managed by the Central Registry of Securitisation Asset Reconstruction and Security Interest of India or CERSAI and helps to reduce the burden of producing various KYC documents for verification.

How does cKYC work?

Unlike the KYC verification which needs to be done at every step, the cKYC needs to be verified just once before availing any financial services. You get a 14 digit KYC identification number or KIN on your registered mobile number or email on completing the cKYC verification by providing the required documents.

You can use this KIN for KYC verification anytime you want to avail financial services with any other bank or insurance company. This helps to make the whole KYC verification process much easier and hassle-free.

How does it impact mutual fund investors?

Before you invest in mutual funds, it is mandatory to have your KYC verification done. If you don’t already have a cKYC, you will be asked to fill out a KYC form and produce the necessary documents, which will be then verified and you will be given the 14 digit KIN. but if you already have a KIN, you wouldn’t need to produce all the documents again and you can just submit your KIN through which the CERSAI will identify and verify your documents.

Therefore, having a cKYC will make the investment process much easier and hassle free for the mutual fund investors.

Types of cKYC accounts

There are basically 4 types of cKYC accounts— normal account, simplified measures account, small account and OTP based eKYC account. Let’s look at all these accounts separately to understand them a little better.

1. Normal account

You can create a normal cKYC account by submitting any of the six official documents as a proof of identity including Aadhaar card, PAN card, Voter’s ID, Passport, driving license and NREGA Job card.

2. Simplified Measures account

The Simplified Measures account is a type of cKYC account which can be created by submitting other officially valid documents or OVDs which are allowed by the RBI circular RBI/2015-16/42. The prefix “L” is assigned to the KYC identifier for these accounts.

3. Small account

Small cKYC account can be created by submitting only your photograph with some personal details. The prefix “S” is assigned to the KYC identifier for these accounts.

4. OTP based eKYC account

You can create this type of account by submitting a photograph along with a downloaded PDF file of your Aadhaar from the UIDAI website which can be only accessible by an OTP. The prefix “O” is assigned to the KYC identifier for these accounts.

Features of cKYC

The cKYC is very beneficial as it reduces the hassle of KYC verifications every time you want to avail any financial services. cKYC has a few salient features which are as follows:

  • Once verified with cKYC you get a 14 digit KIN or cKYC number which is linked to your identity proof and can be used for verification of your documents through CERSAI, which makes the verification process hassle free.
  • It makes it easier for the financial institutions to download the KYC details of their customers with ease just by using the cKYC number. This makes the document authentication process much simpler.
  • The data submitted to the CERSAI goes through a deduplication process for identifying details of the customers.

Documents required for registration

One must submit the following documents for registration:

  • CKYC application form
  • PAN card
  • Identity and Address Proof
  • One recent passport size photograph

After successful registration, the applicant will be provided with a 14 digit KYC Identifier Number (KIN). An SMS/email will be sent by CERSAI to the applicant’s registered mobile number once the KIN is generated.

How to Check CKYC Number Online?

To check CKYC number and status online, one can access the web portal of financial institutions that offer a CKYC check facility such as Karvy or Central Depository Services Limited. Follow these steps:

  • Visit the web portal ( or
  • Enter PAN number.
  • Fill in the security/CAPTCHA code.
  • CKYC status and related details will be shown.

Benefits of cKYC registry

cKYC is beneficial in a lot of ways; the main benefit being the easing of the KYC verification process. Some more benefits of the cKYC registry process are as follows:

  • The time for the KYC verification process is reduced and the process is made hassle free.
  • It brings the optimisation in the costs of KYC verifications by distributing the financial burden across all financial institutions.
  • It is beneficial for the customers as they will only have to go through the document verification process only once.


cKYC is a great initiative to reduce the burden of the KYC verification process. This is beneficial for both the customers and the financial institutions.


Why is cKYC important?

Getting a cKYC verification saves you from the hassle of going through the KYC verification process every time you want to avail financial services.

How do I obtain the cKYC number?

The 14 digit cKYC number is assigned to you when you submit the required documents. This cKYC number can be used by financial institutions to verify the KYC details of its customers through the CERSAI. This makes the document verification process easy.

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