The Central KYC Records Registry (CKYCR) is India’s unified KYC database that stores, verifies, and shares customer Know Your Customer (KYC) records across all Reporting Entities (REs) in the financial sector. Set up under the Prevention of Money Laundering Act (PMLA), 2002 and operated by CERSAI, CKYCR allows regulated entities to upload, search, download, and update KYC records of their customers — eliminating duplicate KYC and strengthening India’s AML framework.
Every Reporting Entity — including banks, NBFCs, HFCs, insurance companies, mutual funds, stockbrokers, depository participants, payment aggregators, and other RBI / SEBI / IRDAI / PFRDA regulated institutions — is required to register with CKYCR and integrate its systems to upload, query, and update customer KYC records through specified formats.
We provide end-to-end advisory for CKYCR registration, onboarding, and integration — covering eligibility review, application filing with CERSAI, technical integration with your core systems, KYC form mapping (CKYC Form / KRA / Form 60), and policy and process readiness to meet ongoing PMLA and regulator-specific obligations.
Assessment of CKYCR applicability based on your regulator (RBI / SEBI / IRDAI / PFRDA) and entity type.
Preparation and filing of the CKYCR onboarding application with CERSAI on behalf of the RE.
Advisory on API / SFTP integration with CKYCR for upload, search, download, and update of KYC records.
Mapping of your internal KYC fields to CKYC forms (Individual / Legal Entity / Simplified / Small Account).
KYC policy, customer acceptance, due diligence, and record management aligned to CKYCR & PMLA.
Role-based user creation, maker-checker workflow, and access control configuration on CKYC portal.
UAT testing of KYC uploads, search & download, reconciliation, and go-live support.
Periodic KYC updates, incremental record uploads, and audit readiness for PMLA & regulator reviews.
All scheduled, commercial, cooperative, and small finance banks under RBI regulation.
All categories of NBFCs — ICC, MFI, Factor, IFC, HFC, P2P, AA — registered with RBI.
Stockbrokers, depository participants, portfolio managers, and investment advisers.
Asset management companies, mutual funds, and alternative investment funds.
Life, general, and health insurance companies, including insurance intermediaries.
Pension fund managers and intermediaries regulated by PFRDA under the NPS architecture.
Payment aggregators, PPI issuers, and other payment system operators under RBI oversight.
Other entities notified as Reporting Entities under PMLA, 2002 from time to time.
KYC record of resident individuals including personal, address, and identity details.
KYC record of companies, LLPs, partnerships, trusts, HUFs, and other legal entities.
Shorter KYC form for low-risk individual customers as permitted by regulators.
KYC record for customers opening small accounts under relaxed due-diligence norms.
Declaration for individuals who do not have PAN, as permitted under Income Tax Rules.
Incremental updates to existing KYC records due to change in information or periodic review.
Confirm CKYCR applicability, regulator, and entity type for the Reporting Entity.
Collect corporate, authorized officials, and KYC / AML policy documents.
File onboarding application with CERSAI along with supporting documentation.
Integrate with CKYCR through API / SFTP, complete UAT, and reconcile test records.
Production go-live, user onboarding, and roll-out of KYC upload & search workflows.
Partner with our specialists for end-to-end CKYCR registration, integration, and compliance — so your Reporting Entity meets every PMLA and regulator expectation with ease.
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