Top CKYC Solution Providers in India: Features, Benefits & Comparison (2026)

CKYC sounds simple on paper. You upload customer KYC records to one central registry. You pull records when a customer already has one. In real life, it is a complex and long process.

 

“As a compliance head at a Delhi NBFC candidly shared: “Our team spent two days fixing one rejected file. By the time the record went through, the customer had already taken a loan somewhere else.” Stories like this aren’t uncommon — manual CKYC workflows are riddled with friction points that cost institutions real business, not just time. This is exactly where an automated CKYC solution provider makes the difference, replacing error-prone manual checks with intelligent validation that catches issues before submission, not after rejection.“

 

This guide compares the top CKYC solution providers in India, so you can pick the right one without guesswork.

List of Best CKYC Solution Providers in India

After conducting a thorough research we have created this list for businesses:

Surepass

Surepass is an identity verification service provider trusted by 3,000+ businesses. It runs over 5 million verifications a day. It covers the complete CKYC process through one CKYC API suite, and it is one of the few providers with a ready CKYC 2.0 platform built for the new CERSAI rules.

 

Key Capabilities:

• Everything in one place: Search records by PAN, Aadhaar, Driving Licence, or Voter ID. Download full records using the KIN and date of birth. Upload new and updated records straight to CERSAI. Bulk options for high volumes.
• CKYC 2.0 ready today: Takes your customer data in any format and converts it into the new CKYC 2.0 format. Masks Aadhaar automatically. Fixes photo quality issues. Runs face matching to catch duplicates before submission.
• Easy for your team: Live dashboards to track every record, alerts when a submission passes or fails, a test environment to try before going live, and full logs for audits.
• One platform for all KYC: 400+ verification APIs, so CKYC sits next to Aadhaar, PAN, Video KYC, face match, and AML checks in a single integration.

Best for: Banks, NBFCs, and fintechs that want one provider for CKYC plus their entire KYC setup, with the CKYC 2.0 shift handled for them.

TrackWizz (TSS Consultancy)

TrackWizz is one of the oldest names in CKYC compliance software. Many banks, mutual funds, and insurers in India already use it.

Key Capabilities:

• Bulk processing: Handles lakhs of records with photo compression and data checks before submission.
• Strong reporting: Detailed reports and audit records built for compliance teams.
• Proven track record: Years of use across banking, securities, and insurance.

Best for: Compliance teams that want a mature, widely used system with deep reporting.

Signzy

Signzy works like a translator between your old banking software and the new CKYC 2.0 system.

Key Capabilities:

• Data conversion: Takes data from old systems in any format and turns it into CKYC 2.0 ready records.
• Fewer rejections: Cleans and checks customer data before sending, so records get accepted the first time.
• Strong security: Encrypted connections and automatic Aadhaar masking.

Best for: Banks and large NBFCs with old software that need help moving to CKYC 2.0.

Perfios

Perfios offers CKYC APIs as part of a much bigger identity and financial data platform.

Key Capabilities:

• CKYC inside a lending stack: CKYC sits next to Aadhaar, PAN, DigiLocker, and income checks.
• Built for scale: Serves many large banks and lenders in India.

Best for: Lenders who want identity, income, and loan assessment data from one large vendor.

IDfy

IDfy runs around 25 million verifications a month for 600+ clients. It offers CKYC as part of complete, ready-made onboarding flows.

Key Capabilities:

• Full onboarding flows: CKYC checks built into complete KYC journeys, not just raw APIs.
• Fraud checks: Catches fake documents and impersonation along with identity checks.
• Fewer drop-offs: Flows designed so customers do not quit halfway through KYC.

Best for: Companies that want a ready-made onboarding journey instead of building one.

Decentro

Decentro is an API platform built for speed. Its CKYC search and download modules are made for quick integration.

Key Capabilities:

• Developer-friendly: Clean documentation, so your tech team can integrate fast.
• Pick what you need: CKYC sits next to banking, payments, and KYC modules you can add anytime.
• Fast go-live: Suited to teams that want to launch in days, not months.

Best for: Startups and young fintechs that need CKYC access quickly.

HyperVerge

HyperVerge is known for its face match and liveness technology, with CKYC built into its KYC flows.

Key Capabilities:

• Strong face tech: Certified face matching that helps with CKYC 2.0’s strict photo rules.
• Built for volume: Handles apps that onboard huge numbers of customers daily.
• Conversion focus: Flows designed to keep customers from dropping off.

Best for: High-volume consumer apps where losing customers mid-KYC hurts.

Digio

Digio provides KYC and paperless tools, including CKYC APIs, and is well known for eSign.

Key Capabilities:

• Paperless from start to end: CKYC combined with digital signatures and digital documents.
• Popular with lenders: Widely used by lenders and brokers running fully digital agreements.
• Simple to integrate: Straightforward APIs with a solid name in India’s eSign space.

Best for: Lenders and brokers who want CKYC and digital signing from one vendor.

Gridlines

Gridlines offers CKYC as one of many verification APIs on its platform, positioning it within a broader identity verification suite rather than as a dedicated focus area.

Key Capabilities:

• Wide coverage: CKYC along with national ID, DigiLocker, and business verification APIs.
• Clean experience: Simple documentation and clear pricing.
• Reliable at volume: Positioned around accuracy for high-volume checks.

Best for: Product teams that want simple, well-documented APIs including CKYC.

 

How to Choose the Right CKYC Solution Provider?

Check these six things before you choose any provider:

• Check CKYC Suite: Search, download, and upload. Some providers only offer search. Then you need a second vendor for the rest, which doubles your work.
• Accuracy in Submission: CERSAI rejects records for small things like photo quality or address format. A provider with a high first-time acceptance rate saves your team hours every day.
• Confirm both single and bulk options: You need live APIs for new customers and bulk processing for old records. Make sure both exist.
• Check security and logs: Encrypted data, restricted access, and complete activity logs. Your auditors will ask for these, so ask the vendor first.
• Test the sandbox and support: A test environment lets your developers try things before going live. Also, check how fast support replies. When a record fails at month-end, you cannot wait three days for an answer.

If you want to understand the registry itself before picking a vendor, read our simple guide on what CKYCRR is and how it works.

Conclusion

All the top CKYC solution providers in India connect you to the same CERSAI registry. What separates them is the services and features. Surepass leads for teams that want the full CKYC process plus a complete KYC stack in one integration. TrackWizz suit large institutions. Signzy fits old-system migrations, while Decentro and Gridlines work well for fast-moving startups.

FAQs

Ques: Who Needs a CKYC Solution in India?

Ans: Every institution regulated by RBI, SEBI, IRDAI, or PFRDA. That includes banks, NBFCs, insurers, mutual funds, brokers, and fintechs. These companies must upload customer KYC records to CERSAI within 10 days of opening an account.

 

Ques: What Is CKYC 2.0?

Ans: CKYC 2.0 is the upgraded CERSAI registry. It replaces file uploads with live APIs and adds compulsory Aadhaar masking, OTP-based customer consent for downloads, face matching to catch duplicates, and stricter photo and document quality rules.

 

Ques: Which Is the Best CKYC Solution Provider in India?

Ans: There isn’t a single “best” provider — it depends on what an institution needs. Providers like Surepass, TrackWizz, Signzy, Perfios, IDfy, Decentro, HyperVerge, Digio, and Gridlines all connect to the same CERSAI registry, but differ in scope and specialization.

 

Ques: What Is the Difference Between KYC and CKYC?

Ans: KYC is the verification each company does on its own. CKYC is the central registry where those verified records are stored and shared. With CKYC, a customer completes KYC once, gets a 14-digit KIN, and other companies reuse that record.

 

Ques: Is Customer Consent Required to Download a CKYC Record?

Ans: Yes, Under CKYC 2.0, every download sends an OTP to the customer’s registered mobile number. The record is released only after the customer confirms with that OTP.