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Central KYC Registry, India (CKYCR)

Overview

The Central KYC Registry (CKYCR) is India’s centralized repository for storing and managing customer KYC records. Managed by CERSAI, it allows financial institutions to fetch customer details using a unique KYC Identifier (KIN), reducing duplication and making onboarding faster.
This system improves compliance, reduces costs, and ensures consistent KYC across banks, NBFCs, insurers, and mutual funds.

FAQ

What is CKYCR?

A centralized KYC database used by Indian financial institutions.

Why was it created?

To avoid repeated KYC submissions and streamline compliance.

Who uses CKYCR?

Banks, NBFCs, insurers, and mutual funds.

What is a KIN?

A unique identifier to retrieve a customer’s verified records.