CKYC

CKYC API Category

Overview

The CKYC (Central Know Your Customer) API category provides secure access to India's centralized KYC registry maintained by CERSAI (Central Registry of Securitization Asset Reconstruction and Security Interest). These APIs enable financial institutions to search for and download customer KYC information, including personal details, address information, photographs, and identity verification documents. By leveraging these APIs, organizations can streamline customer onboarding, ensure regulatory compliance, and reduce redundant KYC processes.

Category Details

Parent Category: Root
Child Categories: None
APIs in this category: CKYC Search, CKYC Download

Key Capabilities

Main Functionality

The CKYC APIs provide financial institutions with the ability to access centralized KYC records through a BYOF (Bring Your Own FI Code) model, allowing registered institutions to securely search and retrieve comprehensive customer KYC information without duplicating verification efforts.

CKYC Search

Search for customer records in the CKYC database using various identifiers such as CKYC number, PAN, Aadhaar, or other demographic details to verify if a customer's KYC is already registered in the central repository.

CKYC Download

Retrieve comprehensive KYC information for verified customers, including full name, parental details, permanent and correspondence addresses, photographs, and electronic KYC proof documents in a secure and compliant manner.

BYOF Integration

Utilize your registered Financial Institution (FI) code and private key with our platform to seamlessly access CKYC services while maintaining regulatory compliance and security standards required by CERSAI.

Common Use Cases

Banking

Insurance

NBFCs & Fintech

Streamline customer onboarding by retrieving pre-verified KYC information

Reduce account opening time by eliminating duplicate KYC verification

Verify customer identity during high-value transactions or account modifications

Maintain updated customer information for regulatory compliance

Integration Considerations

Best Practices

Implement proper error handling to manage scenarios where CKYC records may not be found

Cache CKYC download responses appropriately while adhering to data protection regulations

Implement proper consent mechanisms before retrieving customer KYC information

Maintain audit logs of all CKYC searches and downloads for compliance purposes

Important Limitations

Only financial institutions registered with CERSAI can access these APIs

Your organization must have a valid FI code issued by CERSAI

API usage is subject to CERSAI's terms, conditions, and rate limits

Customer consent may be required before accessing their CKYC information

Downloaded KYC data must be handled in compliance with data protection regulations

How APIs in this Category Work Together

The CKYC Search and Download APIs work in tandem to provide a complete KYC verification and retrieval workflow. These APIs are designed to be used sequentially to first locate and then retrieve detailed customer information.

Key Integration Patterns:

CKYC Search + CKYC Download: First search for a customer's CKYC record using available identifiers, then use the returned CKYC number to download complete KYC details and documents.

Customer Onboarding Flow: Integrate both APIs into your onboarding process to check if a customer already has CKYC records before initiating a new KYC process.

Periodic KYC Updates: Implement scheduled CKYC searches and downloads to ensure your customer information remains current and compliant with regulations.

A typical end-to-end workflow begins with your application sending a CKYC Search request with customer identifiers (PAN, Aadhaar, etc.). If a match is found, the search response provides a CKYC number, which is then used in a CKYC Download request to retrieve comprehensive customer information including personal details, addresses, photographs, and identity documents. This two-step process ensures efficient access to verified KYC information while maintaining appropriate access controls.

The CKYC API category complements other identity verification and regulatory compliance API categories in our platform. These related categories can be used alongside CKYC APIs to create comprehensive customer verification and onboarding solutions.

Related Categories include:

KYC/AML: While CKYC provides access to India's central KYC repository, the KYC/AML category offers additional verification methods and compliance checks that can supplement CKYC information.

Identity Verification: Provides alternative methods for verifying customer identity when CKYC records are unavailable or require additional validation.

Document Verification: Offers specialized tools for verifying the authenticity of identity documents that may complement the documents available through CKYC.

Organizations often implement CKYC APIs as part of a broader identity verification strategy. For example, a financial institution might first check for existing CKYC records using the CKYC Search API, and if no records exist, fall back to APIs from the Identity Verification category to complete the KYC process. Similarly, Document Verification APIs might be used to validate documents before submitting new records to the CKYC repository through the appropriate channels.

Overview#

Key Capabilities#

Common Use Cases#

Integration Considerations#

How APIs in this Category Work Together#

Related Categories#

Overview

Key Capabilities

Common Use Cases

Integration Considerations

How APIs in this Category Work Together

Related Categories