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Financial Intelligence Unit (FIU-IND) Registration

Home > Financial Intelligence Unit (FIU-IND) Registration

Financial Intelligence Unit (FIU-IND) Registration

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.

CERSAI
Operates CKYCR in India
14-Digit
Unique CKYC Identifier
PMLA
Mandatory for all REs
Unified
KYC database across sectors
Laws & Frameworks We Work Under
PMLA, 2002
PMLA Rules, 2005
RBI KYC Directions
SEBI KYC Regulations
IRDAI / PFRDA KYC Norms
CKYCR Operating Guidelines
UIDAI / Aadhaar Rules
FIU-IND Reporting

Our CKYCR Registration & Onboarding Services

01

Eligibility & Applicability

Assessment of CKYCR applicability based on your regulator (RBI / SEBI / IRDAI / PFRDA) and entity type.

02

CERSAI Application

Preparation and filing of the CKYCR onboarding application with CERSAI on behalf of the RE.

03

Technical Integration

Advisory on API / SFTP integration with CKYCR for upload, search, download, and update of KYC records.

04

KYC Form Mapping

Mapping of your internal KYC fields to CKYC forms (Individual / Legal Entity / Simplified / Small Account).

05

Policy & Process Design

KYC policy, customer acceptance, due diligence, and record management aligned to CKYCR & PMLA.

06

User & Role Setup

Role-based user creation, maker-checker workflow, and access control configuration on CKYC portal.

07

Testing & Go-Live

UAT testing of KYC uploads, search & download, reconciliation, and go-live support.

08

Ongoing Compliance

Periodic KYC updates, incremental record uploads, and audit readiness for PMLA & regulator reviews.

Who Must Register with CKYCR

Banking

Banks

All scheduled, commercial, cooperative, and small finance banks under RBI regulation.

RBI

NBFCs

All categories of NBFCs — ICC, MFI, Factor, IFC, HFC, P2P, AA — registered with RBI.

SEBI

Stockbrokers & DPs

Stockbrokers, depository participants, portfolio managers, and investment advisers.

SEBI

Mutual Funds & AIFs

Asset management companies, mutual funds, and alternative investment funds.

IRDAI

Insurance Companies

Life, general, and health insurance companies, including insurance intermediaries.

PFRDA

Pension Fund Entities

Pension fund managers and intermediaries regulated by PFRDA under the NPS architecture.

RBI

Payment System Operators

Payment aggregators, PPI issuers, and other payment system operators under RBI oversight.

Other REs

Reporting Entities under PMLA

Other entities notified as Reporting Entities under PMLA, 2002 from time to time.

Key CKYC Forms

Form CKYC (Individual)

Individual KYC

KYC record of resident individuals including personal, address, and identity details.

Form LE (Legal Entity)

Legal Entity KYC

KYC record of companies, LLPs, partnerships, trusts, HUFs, and other legal entities.

Simplified KYC

Simplified Individual Form

Shorter KYC form for low-risk individual customers as permitted by regulators.

Small Account

Small Account KYC

KYC record for customers opening small accounts under relaxed due-diligence norms.

Form 60

Form 60 Declaration

Declaration for individuals who do not have PAN, as permitted under Income Tax Rules.

KYC Update

Update / Incremental KYC

Incremental updates to existing KYC records due to change in information or periodic review.

Documents Required

Reporting Entity (RE) Details

  • Certificate of Incorporation
  • PAN of the entity
  • Regulator license (RBI / SEBI / IRDAI / PFRDA)
  • Details of registered & corporate office
  • Board resolution authorizing signatories
  • Organization structure overview

Authorized Officials

  • KYC of Principal Officer
  • KYC of Designated Director
  • KYC of authorized signatories
  • Email IDs and mobile numbers
  • Digital signatures (DSC)
  • Specimen signatures

Policy & Technical

  • KYC / AML / PMLA Policy
  • Customer Acceptance Policy
  • Risk categorization framework
  • IT / IS security policy
  • API / SFTP integration design
  • Sample KYC data extract

Our CKYCR Onboarding Process

1

Applicability

Confirm CKYCR applicability, regulator, and entity type for the Reporting Entity.

2

Documentation

Collect corporate, authorized officials, and KYC / AML policy documents.

3

CERSAI Filing

File onboarding application with CERSAI along with supporting documentation.

4

Integration & UAT

Integrate with CKYCR through API / SFTP, complete UAT, and reconcile test records.

5

Go-Live

Production go-live, user onboarding, and roll-out of KYC upload & search workflows.

Why CKYCR Registration Matters

✓
Comply with PMLA and regulator KYC norms
✓
Avoid duplicate KYC for the same customer
✓
Faster onboarding using existing CKYC records
✓
Reduced customer drop-offs during onboarding
✓
Single source of truth for customer KYC
✓
Stronger AML, fraud, and risk management
✓
Audit-ready records for regulator inspections
✓
Integrated with digital lending & fintech stacks

FAQs on CKYCR Registration

What is CKYCR?
The Central KYC Records Registry (CKYCR) is a centralized repository of customer KYC records maintained under the PMLA, 2002 and operated by CERSAI. Reporting Entities across banking, NBFCs, capital markets, insurance, and pension sectors upload, search, download, and update KYC records through CKYCR — ensuring that each customer’s KYC is captured once and reused across entities.
Who is required to register with CKYCR?
All Reporting Entities under PMLA are required to register — including banks, NBFCs, HFCs, stockbrokers, depository participants, portfolio managers, mutual funds, AIFs, insurance companies and intermediaries, PFRDA-regulated entities, payment system operators, and other entities notified as Reporting Entities by the Government from time to time.
Who operates CKYCR?
CKYCR is operated by CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India), a Government of India entity, under the powers granted by the PMLA and PMLA Rules. CERSAI handles onboarding, system integration, and ongoing operation of CKYCR.
What is the CKYC Identifier?
A CKYC Identifier (sometimes called KIN) is a 14-digit unique number assigned to every customer after successful upload of their KYC to CKYCR. Once a customer has a CKYC Identifier, any Reporting Entity can download the existing KYC from CKYCR instead of collecting fresh documents, subject to applicable rules.
Is CKYCR registration mandatory for NBFCs?
Yes. NBFCs are Reporting Entities under the PMLA and RBI’s KYC Master Directions. They are required to register with CKYCR, upload KYC records of all individual and legal entity customers, and continuously update these records as prescribed. Non-compliance can attract regulatory action and penalties under PMLA.
How is CKYCR different from KRA?
KRA (KYC Registration Agency) is SEBI-specific and services the capital markets ecosystem. CKYCR is cross-sector — covering banks, NBFCs, insurance, pension, and capital markets under one unified architecture. Many SEBI-regulated entities interact with both KRAs and CKYCR, and our advisory ensures seamless alignment.
How long does CKYCR onboarding take?
CERSAI registration itself is usually completed within a few weeks of submitting a complete application. End-to-end onboarding including technical integration, UAT, user setup, and go-live typically takes 6 to 12 weeks, depending on the size of the RE, readiness of its IT stack, and quality of KYC data.
What are the ongoing compliance obligations?
Once onboarded, REs must upload new customer KYC to CKYCR within prescribed timelines, capture updates to existing KYC, periodically review risk categorization, align to regulator-specific KYC Master Directions, maintain audit trails, and be prepared for inspections by their primary regulator and PMLA authorities.

Onboard to CKYCR and Build a PMLA-Ready KYC Backbone

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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