Feel free to reach techsupport@surepass.io for any technical support or guidance.
API Flow
CKYC API Flow
Overview
Category Details
APIs in this category: CKYC Search, CKYC Generate OTP, CKYC Download, CKYC Download Legal
Prerequisites
| Requirement | Description |
|---|---|
| FI Code | Financial Institution code issued by CERSAI |
| Private Key | Your organization's private key registered with the platform |
| JWT Token | Bearer token for API authentication |
| CERSAI Registration | Your organization must be a CERSAI-registered regulated entity (bank, NBFC, RIA, etc.) |
Getting Started
API Workflows
Individual Flow
1.
client_id.2.
client_id + customer's registered mobile number. An OTP is sent via SMS. Returns a download_client_id.3.
download_client_id + OTP to retrieve the complete KYC package.Heads Up
Legal Entity Flow
1.
client_id.2.
client_id + an authentication factor (see table below) to retrieve the complete legal entity profile.Supported Document Types
| Document Type | Value | Format / Example |
|---|---|---|
| PAN | PAN | 10-character alphanumeric (e.g., ABCDE1234F) |
| Aadhaar | AADHAAR | 12-digit number |
| Voter ID | VOTER | Alphanumeric (e.g., ABC1234567) |
| Driving License | DRIVING_LICENSE | State-specific format (e.g., DL0420190012345) |
| Passport | PASSPORT | 8-character alphanumeric (e.g., A1234567) |
| CKYC Number | CKYC_NUMBER | 14-digit number |
INFO
document_type is optional on the Search API. If omitted, the request is treated as a PAN search.Download Authentication Factors
| Factor | Parameter | Format | Notes |
|---|---|---|---|
| Date of Incorporation | dob | YYYY-MM-DD or DD-MM-YYYY | Most commonly used |
| Pincode | pincode | 6-digit numeric | Entity's registered pincode |
INFO
dob or pincode must be provided — not both. For individual downloads, authentication is handled via OTP instead.What You Get Back
Individual Download
| Data Category | Details |
|---|---|
| Personal Details | Full name, DOB, gender, PAN, mobile, email, father's/mother's name |
| Addresses | Permanent and correspondence addresses with full components |
| Identity Documents | List of registered identity documents with verification status |
| Images | Photograph (JPEG) and identity document scans (JPEG/PDF), Base64 encoded |
| Related Persons | Family/related person details (if available) |
Legal Entity Download
| Data Category | Details |
|---|---|
| Entity Details | Full name, PAN, constitution type, date of incorporation, TIN/GST |
| Addresses | Registered and correspondence addresses |
| Related Persons | Directors, signatories, beneficial owners — with full personal details, DIN, photos |
| Identity Documents | Certificate of incorporation, registration certificates with verification status |
| Images | Entity documents, Base64 encoded |
| Record Counts | Update and download counts over last 5 years |
Common Use Cases
Banking & Finance
Insurance & NBFCs
Fintech
Integration Best Practices
Key Guidelines
Important Limitations