The CKYC number is a key identifier that eliminates the repetitive submission of KYC documents to the financial institution. With this number, the bank can access the Central KYC record of a person when they are registered with a financial institution for the first time. So, the next time the person opens a bank account or makes an investment, they can share their CKYC number instead of full KYC details. Here in this blog, we share various methods that help you check the CKYC number online.
How to Check CKYC Number?
You can check the CKYC number through various methods:
Method 1: CKYC Number Check through CKYCIndia
Follow the step-by-step guide below and check the CKYC number:
- Visit the CKYC India website.
- Click on View your CKYC Card.
- Enter the registered mobile number.
- Submit the OTP
- You will receive your CKYC card link on your registered mobile number
- Click on the link, Enter the password (DD/MM/YYYY) is your password)
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Method 2: CKYC Number Check through Net Banking
Follow the steps below to check the CKYC Number through Net Banking. Here we are taking an example of the SBI Net Banking method:
- Log in to SBI Internet Banking.
- Go to My Accounts and Profile.
- Click Profile, then My Profile.
- Click on CKYC Details.
Method 3: Check CKYC Number via DigiLocker
Here is how you can check the CKYC number via the DigiLocker App:
- Log in to the DigiLocker App.
- Search for CKYC.
- Select Central KYC Records Registry.
- Enter PAN and other details to fetch KYC records.
Method 4: Call 7799022129
Give a missed call to 7799022129 from your registered mobile number to receive the link of download CKYC card. The CKYC Card will contain your CKYC number.
Why is the CKYC Number Important?
A person should have a CKYC Number for many reasons, such as:
- One-Time Process: You need to complete the KYC process only once with the financial institution regulated by SEBI, RBI, IRDAI, or PFRDA.
- Simplify the Onboarding Process: You don’t need to submit physical documents; instead, you can share your CKYC number to get details from CKYCRR. It speeds up the bank account opening process, buying insurance, and securing loans.
- Enhance Security: The Central Records Repository stores your information securely and reduces the risk of document fraud.
- Cost-Effective: It eliminates the need for paper-based documentation, which reduces the cost of document handling.
Difference Between KYC and CKYC
These are the main differences between KYC and CKYC:
| Basis | KYC (Know Your Customer) | CKYC (Central KYC) |
| Meaning | It is a process of verifying identity for each institution | A Centralised KYC System where records are stored in one place |
| Full Form | Know Your Customer | Central Know Your Customer |
| Managed by | Individual banks, NBFCs, or financial institutions | CERSAI |
| Requirement | You need to complete KYC every time for a different institution | Done once and can be used across institutions |
| Reusability | Not reusable | Fully Reusable using CKYC Number |
| Document Submission | Required Multiple Times | Required once |
| KYC Number | No unique number to access the KYC record | A 14-digit CKYC Number assigned |
| Data Storage | Stored by Individual Bank | Stored in CKYCRR Database |
What If You Don’t Have a CKYC Number?
If you don’t have a KIN, don’t worry, just complete the KYC process through an authorized financial institution:
- Visit the Financial Institution
- Fill out the KYC form
- Submit Required Documents
- Complete Verification
- The financial institution will update your details to CKYCRR
- CKYC number generation
- Receive your CKYC details
Conclusion
The CKYC number or KIN helps you complete the KYC process easily without submitting repetitive documents whenever you apply for a new or different bank. You can follow the above methods to check CKYC number online through the Central Records Registry, Net Banking, DigiLocker, or by giving a missed call to 7799022129. In case of trouble, you can visit your bank branch for assistance.
FAQs
Ques: Can we check CKYC number online?
Ans: Yes, you can check your CKYC Number online through the CKYC Portal, Net Banking App, and DigiLocker.
Ques: What organizations can register customers for CKYC?
Ans: Financial institutions regulated by RBI, SEBI, PFRDA, and IRDAI
Ques: What is the CKYC registry?
Ans: It is a Central Records Registry that stores and manages customer KYC information and provides a KIN or CKYC number.
Ques: Is CKYC Mandatory?
Ans: It is mandatory for new customers applying to financial institutions regulated by RBI, SEBI, IRDAI, or PFRDA.
Ques: How long does it take to generate a CKYC Number?
Ans: It usually takes 2-7 working days.
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