CKYC V2

Overview

The CKYC V2 API category provides enhanced access to India's Central Know Your Customer registry, enabling financial institutions and regulated organizations to seamlessly integrate KYC verification into their digital workflows. This modernized version of CKYC APIs streamlines customer onboarding, reduces compliance costs, and eliminates redundant verification processes by providing direct access to verified customer information stored in CERSAI's centralized database.

Category Details

Parent Category: CKYC
Child Categories: Not specified
APIs in this category: CKYC Search, CKYC Generate OTP, CKYC Download

Key Capabilities

Main Functionality

The CKYC V2 APIs enable organizations to search, verify, and download comprehensive KYC records from India's central registry, including personal details, address verification, photographs, and identity documents, all through secure, API-driven processes.

Customer Search & Verification

Search for existing customer KYC records using various identifiers like PAN, Aadhaar, or mobile number to instantly verify if a customer's KYC information is already available in the central registry.

Secure Document Retrieval

Generate secure OTP-based authentication to download complete KYC packages including verified documents, photographs, and detailed customer information while maintaining data security and compliance.

Automated Compliance Integration

Seamlessly integrate KYC verification into existing business processes to ensure regulatory compliance, reduce manual verification overhead, and accelerate customer onboarding timelines.

Common Use Cases

Banking & Finance

Insurance

Fintech & NBFCs

Digital account opening with instant KYC verification

Loan application processing with automated document validation

Credit card issuance with streamlined identity verification

Investment account setup with regulatory compliance automation

Integration Considerations

Best Practices

Implement proper error handling for network timeouts and API rate limits

Store downloaded KYC data securely with appropriate encryption and access controls

Use OTP generation judiciously to avoid exceeding daily limits per customer

Maintain audit logs for all KYC searches and downloads for compliance tracking

Implement fallback mechanisms for cases where CKYC records are not available

Important Limitations

API access requires proper regulatory authorization and compliance with RBI guidelines

Daily limits apply to OTP generation and document downloads per customer

Network connectivity issues may affect real-time verification processes

Some customer records may not be available if they haven't completed CKYC registration

Data retention policies must comply with Indian data protection regulations

How APIs in this Category Work Together

The CKYC V2 APIs are designed to work in a sequential workflow that ensures secure and compliant access to customer KYC information. Together, they form a complete verification pipeline that maintains data security while providing comprehensive customer information.

Key Integration Patterns:

CKYC Search: First search for customer records, then generate secure OTP for authenticated access to detailed information

CKYC Generate OTP + CKYC Download: Generate OTP for customer verification, then use it to securely download complete KYC packages including documents and photographs

A typical end-to-end workflow begins with the CKYC Search API to locate customer records using basic identifiers. Once a match is found, the CKYC Generate OTP API creates a secure authentication token that's sent to the customer's registered mobile number. Finally, the CKYC Download API uses this OTP to retrieve the complete KYC package, including verified documents, photographs, and detailed customer information, ensuring both security and compliance throughout the process.

The CKYC V2 category is part of a broader ecosystem of identity verification and compliance APIs that work together to provide comprehensive customer onboarding and verification solutions for financial services organizations.

Related Categories include:

Identity Verification: Provides complementary document verification and biometric authentication services that can be used alongside CKYC data for enhanced security

Address Verification: Offers additional address validation services that can supplement the address information available in CKYC records

Document Verification: Enables real-time verification of identity documents that may not be part of the CKYC registry but are required for specific compliance scenarios

These related categories form a comprehensive identity verification ecosystem where CKYC V2 serves as the foundation for accessing centralized KYC data, while other categories provide specialized verification services for scenarios requiring additional authentication layers or for customers not yet registered in the CKYC system. Organizations typically implement multiple categories together to create robust, multi-layered verification workflows that ensure both regulatory compliance and superior customer experience.

CKYC V2

CKYC V2#

Overview#

Key Capabilities#

Common Use Cases#

Integration Considerations#

How APIs in this Category Work Together#

Related Categories#

CKYC V2

Overview

Key Capabilities

Common Use Cases

Integration Considerations

How APIs in this Category Work Together

Related Categories