KYC

CKYC Registration & Reporting

Central KYC Registry enrolment, data submission and ongoing reporting support

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Overview

The Central KYC Registry (CKYCR), managed by CERSAI, is a centralised repository for KYC records of financial sector customers. Regulated entities — banks, NBFCs, insurance companies, mutual funds, stockbrokers — are required to upload customer KYC data to CKYCR and update records whenever changes occur. Estabizz assists with CKYCR registration, technical integration, data submission and ongoing reporting obligations.

What We Offer

✓CKYCR entity registration and credential set-up
✓KYC template mapping and data formatting as per CERSAI specifications
✓Bulk upload of existing customer KYC records
✓Ongoing KYC record update and synchronisation procedures
✓Individual and non-individual KYC record handling
✓KYC Identifier (KIN) management and customer communication
✓Compliance gap assessment and remediation for CKYC obligations

How It Works

1

CKYCR Registration

Register your entity on the CERSAI CKYCR portal and obtain API/upload credentials.

2

Data Mapping

Map your existing KYC data fields to CERSAI's prescribed XML/CSV format for individuals and non-individuals.

3

Initial Upload

Conduct bulk upload of existing customer KYC records; resolve validation errors and obtain KIN assignments.

4

Ongoing Procedures

Establish internal procedures for real-time/periodic KYC updates, KIN retrieval for new accounts and periodic reconciliation.

Documents Required

  • Entity's SEBI/RBI/IRDAI registration details
  • Authorised signatory details for CKYCR registration
  • Sample customer KYC data file (anonymised for assessment)
  • Existing KYC policy and data retention framework

Frequently Asked Questions

Is CKYC registration mandatory?+

Yes, for all financial institutions regulated by RBI, SEBI, IRDAI, NPS Trust and PFRDA. Customers who complete KYC with one regulated entity can use their KIN for KYC compliance at another.

What is a KIN (KYC Identification Number)?+

A 14-digit unique identifier assigned by CKYCR to each customer's KYC record. It enables KYC portability across regulated entities.

What happens if we don't upload KYC data to CKYCR?+

Non-compliance can attract regulatory action from your respective sector regulator and is flagged during AML inspections. Regulators have issued specific directions requiring timely CKYCR uploads.

How often must KYC records be updated on CKYCR?+

Updates must be pushed within 10 days of a change in customer KYC data (address, contact details, identity documents) as per CERSAI guidelines.

CKYC Registration & Reporting — Start Today

Central KYC Registry enrolment, data submission and ongoing reporting support

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