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CKYC Guidelines – Complete Details for All Users
CKYC (Central KYC Registry) is a centralized system that stores your KYC details so that you don't need to repeat KYC for every bank, NBFC, insurance company, or mutual fund.
📌 What is CKYC?
CKYC is an initiative by the Government of India and the Ministry of Finance. It allows customers to complete their KYC only once and use the same KYC across all financial institutions.
📌 Why CKYC is Important?
- One-time KYC for all banks and financial services
- No repeated documentation
- Fast and simple onboarding
- Accepted across banks, NBFCs, mutual funds, and insurance
📌 Types of CKYC
- Normal CKYC: For customers with full valid documents
- Simplified CKYC: For low-risk customers with limited documents
- Small Account CKYC: For basic accounts
📌 Documents Required for CKYC
- PAN (mandatory)
- Aadhaar / Passport / Voter ID / Driving Licence
- Latest Photograph
- Address Proof (if required)
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📌 How CKYC Works?
📍 Step 1: Submit CKYC Form to Any Bank
Submit your KYC details and documents.
📍 Step 2: Verification
The institution verifies your identity and uploads the data to CKYC Registry.
📍 Step 3: You Receive a 14-Digit CKYC Number
This is your lifelong CKYC identification number.
📍 Step 4: Use CKYC Anywhere
You no longer need to complete KYC again at any institution.
📌 Where to Get Your CKYC Number?
- Your Bank Branch
- Your Mutual Fund AMC / CAS Statement
- Your NBFC
- Your Insurance Company
CKYC saves time, simplifies onboarding, and ensures your KYC stays valid everywhere!
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