CKYC Individual Search

Endpoint Overview

POST /api/v1/ckyc/v3/search/individual

Description

Search the CKYC registry for an individual record using an identifier type and identifier value. The response returns a wrapper client_id, a records array, and record_count.

The CKYC Individual Search API allows authorized entities to query the Central KYC (CKYC) registry maintained by CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India) to locate an individual's KYC record. By providing an identifier type (such as PAN, Aadhaar proof, passport, voter ID, driving license, CKYC number, CKYC reference ID, or mobile number) along with the corresponding identifier value, the API searches the centralized repository and returns all matching records.

This is typically the first step in the CKYC download workflow. Once a matching record is found, you can use the returned ckyc_identifier to initiate the download process via the /download/individual/initiate endpoint.

Key Benefits

Uses a record-based response instead of a single ckyc_search_data object — enabling support for multiple matching records in a single response

Supports multiple identifier types including PAN, Aadhaar proof, passport, CKYC number, CKYC reference ID, and mobile number

Technical Implementation

Authentication

All API requests require authentication using a JWT Bearer token. Include your JWT token in the Authorization header for every request.

Environment	Base URL
Sandbox	`https://sandbox.surepass.app`
Production	`https://kyc-api.surepass.app`

Important

Use the appropriate JWT token corresponding to your target environment. Sandbox tokens will not work in production and vice versa.

Request Parameters

Request Headers

Header	Required	Description
`Authorization`	Yes	Bearer token for authentication. Format: `Bearer {jwt_token}`
`Content-Type`	Yes	Must be set to `application/json`

Request Body

Parameter	Type	Required	Description
`id_type`	String	Yes	Identifier type. The wrapper normalizes case, spaces, and hyphens to lowercase snake_case.
`id_number`	String	Yes	Identifier value to search in CKYC.

Supported `id_type` Values

Value	Notes
`passport`	Passport number
`voter_id`	Voter ID / EPIC
`pan`	PAN number
`driving_license`	Driving licence number
`aadhaar_proof`	Aadhaar proof / Proof of possession of Aadhaar
`nrega_job_card`	NREGA job card
`npr_letter`	NPR letter
`ckyc_number`	14-digit CKYC number
`ckyc_reference_id`	CKYC reference ID, typically starting with `IN`
`mobile_number`	Registered mobile number

Normalization

The API wrapper automatically normalizes the id_type value — handling differences in case, spaces, and hyphens. For example, Driving License, DRIVING-LICENSE, and driving_license are all treated as driving_license.

Example Request

{
  "id_type": "pan",
  "id_number": "ABCDE1234F"
}

Process Response

Response Parameters

Parameter	Type	Description
`data.client_id`	String	Surepass wrapper client identifier
`data.records`	Array	Matching CKYC search records
`data.record_count`	Integer	Number of matched records
`status_code`	Integer	HTTP status code
`success`	Boolean	Operation success indicator
`message`	String	Human-readable response message
`message_code`	String	Machine-readable message identifier

Common Record Fields

Search record contents can vary depending on the matched CKYC record. Common fields include:

Field	Description
`ckyc_identifier`	Canonical CKYC identifier to use for download calls
`ckyc_reference_id`	CKYC reference ID
`ckyc_no`	CKYC number, when available
`full_name`	Customer full name
`fathers_name`	Father's name
`age`	Age
`kyc_date`	Original CKYC date
`updated_date`	Last updated date
`identity_details`	Identity summary/details
`image`	Base64 encoded image, when present

Variable Record Structure

The fields returned within each record object may vary depending on the data available in the CKYC registry for that particular individual. Not all fields listed above are guaranteed to be present in every record.

Example Successful Response

{
  "data": {
    "client_id": "ckyc_realtime_DsZPqKmJvQXf",
    "records": [
      {
        "ckyc_identifier": "12345678901234",
        "ckyc_no": "12345678901234",
        "ckyc_reference_id": "INRMFE49270123",
        "full_name": "MR VARUN GUPTA",
        "age": "23",
        "fathers_name": "MR AKSHAY GUPTA",
        "kyc_date": "2021-02-18",
        "updated_date": "2024-03-06"
      }
    ],
    "record_count": 1
  },
  "status_code": 200,
  "success": true,
  "message": "Success",
  "message_code": "success"
}

Code Samples

cURL

Python

Next Step — Download the Record

Once you have located the desired record, use the ckyc_identifier from the search result to initiate the CKYC download:

Individual Download (OTP-based, two-step):

POST /api/v1/ckyc/v3/download/individual/initiate — triggers OTP

POST /api/v1/ckyc/v3/download/individual — submit OTP to complete download

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

curl --location --request POST 'https://kyc-api.surepass.app/api/v1/ckyc/v3/search/individual' \ --header 'Authorization: Bearer <token>' \ --header 'Content-Type: application/json' \ --data-raw '{ "id_type": "pan", "id_number": "ABCDE1234F" }'

{ "data": { "client_id": "ckyc_realtime_DsZPqKmJvQXf", "records": [ { "ckyc_identifier": "12345678901234", "ckyc_no": "12345678901234", "ckyc_reference_id": "INRMFE49270123", "full_name": "MR VARUN GUPTA", "age": "23", "fathers_name": "MR AKSHAY GUPTA", "kyc_date": "2021-02-18", "updated_date": "2024-03-06" } ], "record_count": 1 }, "status_code": 200, "success": true, "message": "Success", "message_code": "success" }

Description#

Technical Implementation#

Request Headers#

Request Body#

Supported id_type Values#

Example Request#

Response Parameters#

Common Record Fields#

Example Successful Response#

Code Samples#

Request

Responses

Description

Technical Implementation

Request Headers

Request Body

Supported `id_type` Values

Example Request

Response Parameters

Common Record Fields

Example Successful Response

Code Samples