CKYC Search & Download API

Central KYC (CKYC) is a centralized repository of KYC records maintained by the Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI). Under RBI's KYC Master Direction, all regulated entities — banks, NBFCs, mutual funds, insurance companies, and payment aggregators — are required to upload KYC records to CKYC and search the registry before collecting fresh KYC from customers.

digiverification 's CKYC Search & Download API enables financial institutions to query the CKYC registry using customer identifiers like PAN, Aadhaar, Voter ID, Passport, or Driving License number. If a matching record exists, the API returns the CKYC Identifier (KIN) and allows downloading the complete KYC record including the customer's photograph, proof of identity, proof of address, and verified demographic details.

The primary benefit of CKYC integration is the elimination of redundant KYC collection. When a customer has already completed KYC with one financial institution, their verified records are available in the CKYC registry for other institutions to access. This dramatically reduces onboarding time, improves customer experience, and cuts KYC compliance costs.

For banks and NBFCs, CKYC compliance is mandatory. RBI periodically audits KYC processes and penalizes institutions that fail to upload or search CKYC records as required. Our API automates both the search and download process, ensuring compliance while minimizing manual intervention.

The CKYC record contains comprehensive verified information: customer name, date of birth, gender, PAN, Aadhaar, address, photograph, and the KYC verification details including the date of verification and the entity that performed it. This rich dataset enables instant onboarding with high confidence in the customer's verified identity.

Our API also supports CKYC record upload for institutions that need to submit newly verified KYC records to the central registry. The upload API validates data format, checks for completeness, and handles submission to CERSAI with confirmation receipts.

For digital lending platforms and neo-banks, CKYC integration is a game-changer — enabling zero-document onboarding for customers who already have CKYC records. Combined with Aadhaar e-KYC and video KYC, CKYC creates a fully digital, fully compliant onboarding experience.

digiverification 's CKYC API handles the complexity of CERSAI's protocols, data formats, and security requirements, providing a simple RESTful interface for your development team.