Step 2:<\/strong> Enter your mobile number and captcha and submit to receive an OTP on the registered mobile number. Once you successfully receive the OTP, enter it and submit.\u00a0<\/p>\r\n\r\n\r\n\r\nStep 3:<\/strong> The portal will reflect the name of the CKYC holder associated with the mobile number. Select it and request the CKYC card.\u00a0<\/p>\r\n\r\n\r\n\r\nStep 4:<\/strong> You will receive a request reference number, and the CKYC card will be sent to the registered mobile number.<\/p>\r\n\r\n\r\n\r\nStep 5:<\/strong> To access the CKYC card, you need to enter a password, which is your registered date of birth in the format – DDMMYYY.\u00a0<\/p>\r\n\r\n\r\n\r\nStep 6:<\/strong> After successfully entering the password, the CKYC card will open, and there you can access your records and details like name, DOB, email, address, and your \u201cKYC Identifier or CKYC Number.\u201d\u00a0<\/p>\r\n\r\n\r\n\r\n<\/span>How does CKYCRR work?<\/span><\/h2>\r\n\r\n\r\n\r\nHere is the Step-by-Step Working of CKYCRR:\u00a0<\/p>\r\n\r\n\r\n\r\n
1. Customer submits KYC documents<\/strong><\/p>\r\n\r\n\r\n\r\nThe customer provides identity, address and other required KYC information to a bank or another regulated financial institution.<\/p>\r\n\r\n\r\n\r\n
2. Financial institution verifies the information<\/strong><\/p>\r\n\r\n\r\n\r\nThe Reporting Entity verifies the customer’s documents and completes its KYC process according to applicable regulatory requirements.<\/p>\r\n\r\n\r\n\r\n
3. KYC record is submitted to CKYCRR<\/strong><\/p>\r\n\r\n\r\n\r\nThe Reporting Entity uploads the customer’s KYC information and supporting documents to the Central KYC Records Registry.<\/p>\r\n\r\n\r\n\r\n
4. CKYCRR processes the record<\/strong><\/p>\r\n\r\n\r\n\r\nCKYCRR checks and processes the submitted information and determines whether a KYC record already exists for the customer.<\/p>\r\n\r\n\r\n\r\n
5. KYC Identifier is generated or retrieved<\/strong><\/p>\r\n\r\n\r\n\r\nFor a new KYC record, CKYCRR generates a 14-digit KYC Identifier (KIN). If a record already exists, the existing identifier can be used.<\/p>\r\n\r\n\r\n\r\n
6. KYC record becomes available for retrieval<\/strong><\/p>\r\n\r\n\r\n\r\nAuthorised Reporting Entities can retrieve the customer’s KYC record from CKYCRR when permitted and required for customer identification and onboarding.<\/p>\r\n\r\n\r\n\r\n
7. KYC information is updated when necessary<\/strong><\/p>\r\n\r\n\r\n\r\nWhen the customer’s KYC information changes, the concerned Reporting Entity can submit the updated information to CKYCRR in accordance with applicable requirements.<\/p>\r\n\r\n\r\n\r\n
<\/span>Which documents are required for CKYCRR?<\/span><\/h2>\r\n\r\n\r\n\r\nFor CKYCRR registration, customers generally need to provide documents that establish their identity, address, and other required KYC details. Here is the checklist of documents required:\u00a0<\/p>\r\n\r\n\r\n\r\n
\r\nProof of Identity<\/li>\r\n\r\n\r\n\r\n Proof of Address<\/li>\r\n\r\n\r\n\r\n Recent Passport-Size Photograph<\/li>\r\n\r\n\r\n\r\n PAN Card<\/li>\r\n\r\n\r\n\r\n Aadhaar Card<\/li>\r\n\r\n\r\n\r\n Passport<\/li>\r\n\r\n\r\n\r\n Driving Licence<\/li>\r\n\r\n\r\n\r\n Voter Identity Card<\/li>\r\n\r\n\r\n\r\n Officially Valid Documents<\/li>\r\n\r\n\r\n\r\n Proof of Date of Birth<\/li>\r\n\r\n\r\n\r\n Business Registration Documents<\/li>\r\n\r\n\r\n\r\n Beneficial Ownership Documents<\/li>\r\n\r\n\r\n\r\n KYC Declaration Form<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<\/span>How does the Central Know Your Customer Records Registry Porcess works for NRIs?\u00a0<\/span><\/h2>\r\n\r\n\r\n\r\nThe CKYCRR process for Non-Resident Indians (NRIs) is broadly similar to that for resident customers, but additional requirements may apply for verifying identity and documents issued or certified outside India. NRIs provide their KYC documents to a regulated financial institution in India, which verifies and submits the KYC record to CKYCRR. RBI permits certified copies for NRIs to be certified by specified overseas banking officials, notaries, courts or Indian Embassies\/Consulates.\u00a0<\/p>\r\n\r\n\r\n\r\n
Step-by-Step Process for NRIs<\/strong><\/p>\r\n\r\n\r\n\r\n1. Approach a Financial Institution<\/strong><\/p>\r\n\r\n\r\n\r\nThe NRI approaches an Indian bank or another regulated financial institution to establish a financial relationship.<\/p>\r\n\r\n\r\n\r\n
2. Submit KYC Documents<\/strong><\/p>\r\n\r\nThe NRI provides the required identity, address and other KYC documents, including documents applicable to their non-resident status.<\/p>\r\n\r\n
3. Get Overseas Documents Certified<\/strong><\/p>\r\n\r\nWhere applicable, copies of documents can be certified by authorised officials of overseas branches of Indian scheduled commercial banks, certain overseas banks, a notary public, court magistrate, judge or the Indian Embassy\/Consulate.\u00a0<\/p>\r\n\r\n
4. Complete KYC Verification<\/strong><\/p>\r\n\r\nThe financial institution verifies the NRI’s identity and documents and completes the required customer due diligence process.<\/p>\r\n\r\n
5. KYC Record is Submitted<\/strong><\/p>\r\n\r\nThe Reporting Entity submits the NRI’s KYC information electronically to CKYCRR in accordance with the applicable requirements. CKYCRR is responsible for receiving, storing, safeguarding and retrieving digital KYC records.\u00a0<\/p>\r\n\r\n
6. KIN is Generated or Retrieved<\/strong><\/p>\r\n\r\nIf the NRI does not already have a CKYC record, a KYC Identifier (KIN) is generated. If a record already exists, the existing KIN can be used for retrieving the centralised KYC record.<\/p>\r\n\r\n
7. KYC Record Can Be Retrieved<\/strong><\/p>\r\n\r\nOnce registered, the NRI’s CKYC record can be retrieved by authorised financial institutions when permitted and required for KYC purposes.<\/p>\r\n\r\n\r\n\r\n
<\/span>What are the Benefits of the Central KYC Records Registry?<\/span><\/h2>\r\n\r\n\r\n\r\nThe Central KYC Records Registry (CKYCRR) framework creates a centralised mechanism for maintaining and sharing KYC information. It helps customers avoid repetitive documentation while enabling financial institutions to access standardised KYC records for verification and compliance purposes.<\/p>\r\n\r\n\r\n\r\n
Here are the key benefits of Central KYC Record Registry:\u00a0<\/p>\r\n\r\n\r\n\r\n
\r\nSimplifies KYC Process:<\/strong> Customers can use their existing centralised KYC record when establishing financial relationships with participating institutions, reducing repetitive documentation.<\/li>\r\n\r\n\r\n\r\nReduces Documentation:<\/strong> Centralised KYC records can reduce the need for customers to repeatedly submit identical identity and address documents.<\/li>\r\n\r\n\r\n\r\nEnables Faster Verification:<\/strong> Financial institutions can retrieve available KYC records from CKYCRR, helping streamline customer identification and onboarding procedures.<\/li>\r\n\r\n\r\n\r\nImproves Data Standardisation:<\/strong> CKYCRR provides a common framework for collecting, storing and retrieving KYC information across participating financial institutions.<\/li>\r\n\r\n\r\n\r\nSupports Regulatory Compliance:<\/strong> The framework helps Reporting Entities meet applicable KYC and customer identification requirements under the relevant regulatory framework.<\/li>\r\n\r\n\r\n\r\nMaintains Centralised Records:<\/strong> KYC information is maintained through a central repository, making authorised retrieval and updating of records more systematic.<\/li>\r\n\r\n\r\n\r\nHelps Prevent Financial Crime:<\/strong> Centralised KYC information supports customer identification and due diligence measures that form part of India’s anti-money-laundering framework.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<\/span>What is CKYCRR 2.0?<\/span><\/h2>\r\n\r\n\r\n\r\nCKYCRR 2.0 refers to the upgraded version of the Central KYC Records Registry system, designed to modernise the way KYC records are registered, managed, retrieved and updated by Reporting Entities.\u00a0<\/p>\r\n\r\n\r\n\r\n
It provides an enhanced digital framework for financial institutions to handle customer KYC information through a centralised system. The upgraded platform supports improved workflows for KYC record management, user administration, data processing and interaction between Reporting Entities and the registry. It is intended to make KYC operations more streamlined while supporting regulatory compliance and reducing repetitive KYC procedures for customers.\u00a0<\/p>\r\n\r\n\r\n\r\n
CKYCRR 2.0 also forms part of the broader digital infrastructure used for maintaining centralised KYC records across participating financial institutions.\u00a0<\/p>\r\n\r\n\r\n\r\n
<\/span>What is the difference between CKYCRR and CKYCRR 2.0?<\/span><\/h2>\r\n\r\n\r\n\r\nCKYCRR 2.0 is the upgraded version of the Central KYC Records Registry, designed to improve the speed, accuracy, security and efficiency of KYC record processing. Here is how CKYCRR 2.0 is different from CKYCRR:\u00a0<\/p>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\nCriteria\u00a0<\/strong><\/td>\r\nCKYCRR 1.0\u00a0<\/strong><\/td>\r\nCKYCRR 2.0<\/strong><\/td>\r\n<\/tr>\r\n\r\nSubmission Method<\/td>\r\n Scheduled batch file uploads\u00a0<\/td>\r\n Real-time API-based submission\u00a0<\/td>\r\n<\/tr>\r\n \r\nData Format<\/td>\r\n Flat files containing data and scanned images\u00a0<\/td>\r\n Structured data formats, including JSON\/XML\u00a0<\/td>\r\n<\/tr>\r\n \r\nValidation<\/td>\r\n Batch reports with delayed error identification\u00a0<\/td>\r\n Instant validation through APIs\u00a0<\/td>\r\n<\/tr>\r\n \r\nDe-duplication<\/td>\r\n Manual review of potential duplicate records\u00a0<\/td>\r\n AI-assisted matching for duplicate detection\u00a0<\/td>\r\n<\/tr>\r\n \r\nAadhaar Masking\u00a0<\/td>\r\n Manual masking of Aadhaar details\u00a0<\/td>\r\n Automated masking, with only the last four digits visible\u00a0<\/td>\r\n<\/tr>\r\n \r\nCustomer Consent<\/td>\r\n Basic consent mechanism\u00a0<\/td>\r\n OTP-based consent, with improved control over KYC data access\u00a0<\/td>\r\n<\/tr>\r\n \r\nSecurity and Audit\u00a0<\/td>\r\n Standard security and audit mechanisms\u00a0<\/td>\r\n Enhanced API security, encryption and audit tracking\u00a0<\/td>\r\n<\/tr>\r\n \r\nProcessing Speed<\/td>\r\n Batch-based processing, potentially taking days\u00a0<\/td>\r\n Near-real-time processing, subject to validation and system response\u00a0<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n<\/span>What are the Recent Changes in CKYCRR Regulations?\u00a0<\/span><\/h2>\r\n\r\n\r\n\r\nThere have been numerous changes in the CKYCRR regulations recently. Some of them are:<\/p>\r\n\r\n\r\n\r\n
1. Protection for Low-Risk Accounts:<\/strong> Banks cannot immediately freeze or shut down low-risk accounts with overdue periodic KYC updates; these accounts must remain active until at least June 30, 2026, or one full year past the due date.\u00a0<\/p>\r\n\r\n\r\n\r\n2. Mandatory Advance Reminders:<\/strong> Regulated entities (REs) must issue at least three advance notices (including one physical letter) before a KYC deadline and three subsequent reminders after the deadline, with documented tracking.\u00a0<\/p>\r\n\r\n\r\n\r\n3. Use of Business Correspondents (BCs):<\/strong> Local business correspondents (such as microfinance workers or designated local shops) are authorised to assist with KYC periodic updates and collect self-declarations for unchanged info or address updates via biometric or physical forms.\u00a0<\/p>\r\n\r\n\r\n\r\n4. No Fresh Proof for Minor Changes:<\/strong> Minor updates or self-declarations where there is “no change” or “change only in address” bypass the requirement to submit fresh physical identification documents.\u00a0<\/p>\r\n\r\n\r\n\r\n5. Any-Branch and Digital Updation:<\/strong> Customers can complete periodic re-KYC or address changes at any branch of their bank or via digital channels, Aadhaar OTP, and Video-based Customer Identification Process (V-CIP).\u00a0<\/p>\r\n\r\n\r\n\r\n6. Eased Norms for Foreign Portfolio Investors (FPIs):<\/strong> Under amendments effective September 2026, banks can accept original certified copies of KYC documents certified by authorised overseas authorities, aligning treatment with NRIs.\u00a0<\/p>\r\n\r\n\r\n\r\n<\/span>Frequently Asked Questions\u00a0<\/span><\/h2>\r\n\r\n\r\n\r\n