What is CKYC?
Central KYC — a centralised KYC registry that allows investors to use a single KYC across financial products.
Understanding CKYC
CKYC is a centralised repository of KYC records maintained by the Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) on behalf of the Government of India. It allows investors to complete KYC once and use it across all regulated financial products.
When an investor completes CKYC, they receive a 14-digit KYC Identification Number (KIN). This KIN can be used across banks, insurance companies, mutual funds, and other SEBI-regulated entities — eliminating the need for repeated KYC submissions.
For IFAs, CKYC simplifies client onboarding significantly. A new client who already has a CKYC record requires no fresh documentation — just the KIN. This reduces turnaround time and improves the client experience, especially for existing banking customers.
“For Indian IFAs, a clear understanding of ckycis essential to managing a compliant and profitable advisory practice.”
Why CKYC Matters for Your Practice
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