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Central KYC
One KYC, All Banks

Streamline your financial journey with Central KYC. One verification for all banks, NBFCs, insurance companies, and mutual funds across India

Check CKYC Status
⚠️ Consumer Awareness against the Fraudulent Activities in the name of Hero FinCorp Limited (“HFCL”)Read more about the disclaimer

What is Central KYC (CKYC)

It’s regulated by CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India). 

One KYC, Multiple Uses

CKYC stands for Central Know Your Customer (CKYC). It is a government initiative that lets you complete your KYC just once and use it across all financial institutions in India—banks, NBFCs, insurance companies, mutual 
funds, etc. 

Clean Tooth 5

You get a unique 14-digit CKYC number

Centralised database for Financial Institutions, removing repeated KYC submissions unless changes happen.

Clean Tooth 5 2

Enhanced security protocols protecting your sensitive information

CKYC Illustration

14-Digit

Unique CKYC identifier number for every individual

Centralized

Single database accessible to all financial institutions

Secure

Enhanced security protocols protecting sensitive information

Why Should You Get CKYC Done? .

CKYC offers numerous benefits that streamline your financial journey and enhance security across all your financial transactions.

Speeds up loan approvals and investments

Speeds up loan approvals and investments

Fast-track your loan approvals and investment processes with pre-verified KYC

Avoids repeated submission of KYC documents

Avoids repeated submission of KYC documents

Skip resubmitting KYC documents to various institutions

Mandatory for many financial services

Mandatory for many financial services

Regulated security protocols protect your sensitive information

Helps in fraud prevention and identity verification

Helps in fraud prevention and identity verification

Required for many financial services as per RBI and SEBI guidelines

Recognized across all financial institutions

Recognized across all financial institutions

Recognized and accepted across all financial institutions in India

Who needs to do CKYC?

All individuals & Legal entities who want to use services like:

  • Taking a loan from an NBFC or bank
  • Opening a savings or fixed deposit account
  • Investing in mutual funds
  • Getting an insurance policy
Individuals
Individuals
Legal Entities
Legal Entities

Documents Required for CKYC

Prepare the following documents based on whether you're applying as an individual or a legal entity
For Individuals

For Individuals

Personal CKYC application requirements
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PAN Card (Mandatory for normal CKYC)
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Aadhar Card / Passport / Voter ID /Driving License /NREGA Job Card /National Population Register as ID and Address Proof
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National Population Register
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Passport size photo
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Signature
Note
Note: PAN Card is mandatory for all individual CKYC applications
For Legal Entities

For Legal Entities

Corporate CKYC application requirements
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Registration Certificate/ Certificate of Incorporation/ Any other relevant legal document proving existence.
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Memorandum and Articles of Association/ Partnership Deed/ Trust Deed, as applicable
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Resolution of Board/ Managing Committee/ Partnership Authority Letter, as applicable
Note
Note: PAN Card is mandatory for all individual CKYC applications

Frequently Asked Questions.

Yes, for availing financial services like loans, investments, insurance etc., CKYC is now mandatory as per RBI and SEBI guidelines.

You can check your status using your PAN at CKYC Portal

No, registering for CKYC is completely free.

Yes! That’s the biggest advantage. One CKYC is valid across all banks, NBFCs, insurers, and fund houses.

Usually within a few working days after document verification.

How to Check Your CKYC Status?

Verify your CKYC status instantly using your PAN card or existing CKYC number
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Step 1: Visit Portal
Go to official CKYC India website
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Step 2: Enter Details
Provide your PAN or CKYC number
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Step 3: Verify
Add date of birth (individuals) or incorporation (entities)
Check Status Now
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