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Frequently Asked Questions

Central KYC Registry is a centralized repository of KYC records of customers in the financial sector with uniform KYC norms and inter-usability of the KYC records across the sector with an objective to reduce the burden of producing KYC documents and getting those verified every time when the customer creates a new relationship with a financial entity.

As per Prevention of Money-laundering (Maintenance of Records) Amendment Rules, 2015, Rule 9 (I) (1A), every reporting entity shall within three days after the commencement of an account-based relationship with a client, file the electronic copy of the client’s KYC records with the Central KYC Registry.

Central KYC Registry has the below salient features:

  1. User friendly web portal
  2. Unique KYC identifier linked with independent ID proofs
  3. KYC data and documents stored in a digitally secure electronic format
  4. Secure and advanced user authentication mechanisms for system access
  5. Data de-duplication to ensure single KYC identifier per applicant
  6. ID authentication with issuing authorities like Aadhaar/PAN etc.
  7. Substantial cost reduction by avoiding multiplicity of registration and data upkeep
  8. Real time notification to institutions on updation in KYC details
  9. Regulatory reports to monitor compliance

Central KYC application can be accessed by authorised institutions or other notified institutions under the Prevention of Money Laundering Act or rules framed by the Government of India or any Regulator (RBI, SEBI, IRDA, and PFRDA) there under.

The financial institution can register online on https://www.testbed.ckycindia.in
Registration process entails:

  1. Compliance Officer/Nodal Officer/Authorised Signatory of financial institution can enter the requisite details on the registration screen and submit it online.
  2. Upon submission reference ID will be generated and an email will be sent to compliance officer’s registered mail ID.
  3. Duly signed form along with supporting documents to be sent to Central KYC Registry.
  4. Upon receipt and verification of the physical documents, Central KYC Registry’s administrator will authorize the request if all documents are in proper order.
    In case of discrepancies, Registry’s administrator will put the request on hold and an email will be sent to the institution’s compliance officer with the reasons stated therein.
    The details will accordingly be required to be re-submitted.
  5. Upon successful registration, user credentials will be emailed to the individuals who have been identified as the admin and co-admin during the registration.

There needs to be internet connectivity with bandwidth of minimum 512 kbps and a scanner with the stipulated specifications.

The specifications for scanning the supporting documents and photograph are stated below:


  1. Document should be scanned in grey-scale with a scanning resolution of 150-200 DPI.
  2. Photograph must be a recent passport style picture preferably in colour.
  3. Dimension: 200 x 230 pixels
  4. Size of photograph should be between 20kb-50kb.
  5. Acceptable file format : ‘.tif’, ‘.tiff’, ‘.pdf’, ‘.jpeg’, ‘.jpg’
  6. File Size (Maximum Limit): 350 kb for individual KYC record.

 

Please ensure that the data is legible and photograph should be of reasonable clarity.

Digital certificate authentication is required for accessing the Central KYC application.

Type of Digital Signature : Signing
Certificate required for : Digital Security Certificate
Class of Certificate : Class II or Class III

The Central KYC Registry requires data as per the common KYC template to be captured along with the scanned copy of the certified supporting documents (PoI/PoA), cropped signature and photograph.

The data required as per the common template needs to be captured. However, the same can be captured on the common template or the institution’s account opening forms can be modified to capture the required information. The common template need not be scanned and uploaded onto the Central KYC Registry.

Yes. There are two different types of templates – One for the accounts of the individuals and the other for the legal entities (non-individual accounts).

There are three account types in the Central KYC form – Normal, Simplified and Small.


  • Normal account - Any of six officially valid documents (PAN, AADHAAR, Voter ID, Passport, Driving licence, NREGA Job Card) can be        submitted for the ID of the customer.
  • Simplified account - There are additional OVDs that are allowed as per RBI circular RBI/2015-16/42 dated July 1, 2015 – Point no.        2.3(i) & (ii) and point 3.2.2 I.A (iv) & (v). The KYC identifier for Simplified Measures Account will have a prefix “L”.
  • Small account - Only personal details and photograph duly certified by the customer are required to be submitted. The KYC identifier        &for Small Account will have a prefix “S”.

The account type can be gauged from the nomenclature of CKYC identifier issued to the customer.

The organisation hierarchy and access matrix needs to be defined by the Institution’s admin / co-admin. There are three levels of hierarchy:

  • INSTITUTE - Institution Admin and Institution User
  • REGION - Regional Admin and Regional User
  • BRANCH - Branch Admin and Branch User

NOTE:

    • For all activities pertaining to creation/ deactivation of users, KYC records and payments, there is a maker-checker requirement.
  • A maker can be a ‘User’ as well as an ‘Admin’ across all levels in the user hierarchy. A checker can only be an ‘Admin’. If an ‘Admin’ is the maker, the checker needs to be another ‘Admin’ at the same level.

A financial institution can bulk upload the KYC details and the scanned images. Images for each record will be required to be zipped separately. The master zip file will be digitally signed by the financial institution. Bulk upload is provided via SFTP. Based on validations, a response file will be generated. This file will contain the success records, error records and download records. The response file is available for download from the Central KYC application.

For availing the services of the Central KYC Registry, financial institutions need to make an advance payment to CERSAI’s account. For every service availed, the requisite amount will be deducted from the advance payment made. If there is insufficient balance available, the financial institution will not be able to avail the paid services until the balance is replenished.

To make the advance payment, the financial Institution will be required to generate the proforma invoice through the Central KYC application. The financial institution is required to make an advance payment through NEFT/RTGS in CERSAI’s bank account and mention the system generated proforma invoice reference number as the remark.

Financial Institution user is required to enter advance payment details like amount paid, TDS, UTR No. and payment date in the Central KYC application. Upon confirmation of the payment receipt from the bank, balance will be updated. In case of the tax deducted at source (TDS), the financial Institutions are required to submit a copy of the TDS certificate to the Central KYC Registry. Financial Institution will be intimated when the balance goes below the prescribed limit set by them. The financial institution’s user can download / print the usage details till the previous day.

A financial institution will initiate an update request when there is a change in the information of the customer as existing in the records of Central KYC Registry.

Where the customer submits a request for updation of the data in the Central KYC Registry, financial institution will accordingly initiate the request after duly verifying the supporting documents.

The financial institution will be required to update the details in the following cases:

  • There is a change in the details / information as existing in the KYC records in the linked registry.
  • There is doubt about the adequacy or veracity of previously obtained client identification data.
  • There is a change of the account type (e.g. Minor account to Normal account).

 

The updated data along with the scanned copy of the supporting document, where required, will be uploaded in the Central KYC Registry.

In order to initiate a modification request, the financial institution will need to be linked with the latest KYC record of the customer.

On update of a customer record being processed at the Central KYC Registry, all linked financial institutions (institutions that have either uploaded or downloaded the KYC record for that customer), will receive an electronic update notification of KYC record. The financial institutions need to download the last updated record of the customer.

Yes. Central KYC Registry will enable linkage of multiple communication addresses. An individual wanting to maintain different addresses, office or residential, for different types of relationships, can fill Annexure-A1 and submit the details to the financial institution which in turn will initiate the update request on the Central KYC application. In case of legal entities, where there may be a requirement to maintain different accounts for branches with different communication address, the entities shall submit the correspondence address details in Annexure-A2.

Any changes in the institutional admins the following documents duly signed need to be sent to CERSAI:

  • Duly signed institution registration form with entire details.
  • Authorization letter with competent authority for ad min users.
  • Certified copy of Proof of identity of admin users.
  • Request letter stating the changes to be done.

After receiving a sign-off on testing, document verification will take upto 7 days. If there are any discrepancies the same will be communicated to the nodal officer through mail.

  • Charges per KYC record are as follows: Upload – Rs. 0.80
  • Download – Rs. 1.10
  • Update – Rs.1.15
  • There is no cost associated with Search

After receiving a sign-off on testing, document verification will take upto 7 days. If there are any discrepancies the same will be communicated to the nodal officer through mail.

  • Webpage based for Search, Upload, Download and Update of records
  • SFTP bulk file for Search, Upload, Download and Update of records
  • API service call for Search, Download and Update of records.
  • There is no cost associated with Search

Details for the above three methods are provided in our user manual available under the Download Section in our website

All Reporting entities which are required to do KYC of clients are mandated to upload, download and update records in the CKYC portal as per the PMLA.

The PMLA states as per rule(9) (I) (1):

(1A) “Subject to the provisions of sub-rule (1) of the Prevention of Money-laundering Act, 2002 every reporting entity shall within three days after the commencement of an account-based relationship with a client, file the electronic copy of the client’s KYC records with the Central KYC Records Registry.”

(1C) Where a client, for the purposes of clause (a) and clause (b), submits a KYC Identifier to a reporting entity, then such reporting entity shall retrieve the KYC records online from the Central KYC Records Registry by using the KYC Identifier and shall not require a client to submit the same KYC records or information or any other additional identification documents or details

(1D) A reporting entity after obtaining additional or updated information from a client under subrule (1C), shall as soon as possible furnish the updated information to the Central KYC Records Registry which shall update the existing KYC records of the client and the Central KYC Records Registry shall thereafter inform electronically all reporting entities who have dealt with the concerned client regarding updatation of KYC record of the said client.

Uploading dummy data or putting any kind of generic value is not allowed, all the information in CKYC should be factual and properly validated by financial institutions.

No. The testbed is meant for functional testing purposes only; hence live/actual client’s details must not be uploaded. Kindly use dummy data (less than 20MB) for testing purposes.

For Web based entry, updates of individuals linked to it can be viewed in unsolicited Notification under Logs and Reports
For SFTP, a folder called Unsolicited Notification will be made available at the end of the day should there be any updates.

Institution Admin Users, Account Users and Regional Admin Users are authorised to generate proforma invoice for institutes and carry out billing activities.

Where the amount in the proforma invoice and the amount transferred to CERSAI account differs, the amount is displayed in unconfirmed transactions. The amount in the proforma invoice is to be recalculated and linked to the proforma invoice.

The reporting entity can view the details of the payment under the Wallet details. It provides the wallet balance, minimum balance, threshold balance and TDS hold amount if any.

Date-wise and transaction wise details is available in under the Ledger in the Billing Management module.

All necessary fund transfer details are mentioned on the proforma invoice which may be created under the Billing management module.

It is mandatory to create at least one region and one branch for an institution. You may create as many regions and branches as you require. Kindly note there need not be an exact mapping of the physical branch and the branch in CKYCR – however this is left to the discretion of the institution.

The Digital Signature Certificate (DSC) should be the same as per the user name in CKYC portal. We request you to change your DSC to match the CKYC User Name to resolve the error.

Please generate a PDF file consisting the data you would have received in your system from Aadhaar while performing EKYC /OTP based KYC. This PDF file along with a photograph should be uploaded into CKYC.
Aadhaar is one of the officially valid documents that maybe used as both POA and POI, however should you require to upload additional KYC proofs there is a provision for the same.

The CKYC number will be notified to the customer through email/SMS.
The institution may view the details in the Daily MIS report under “Logs and Reports”.
If it is a bulk file, the same will be notified through the bulk response file.

The Pin code masters available in the system have been obtained from India Post. However, if the pin code provided by your client is not found on the system, you are requested to manually enter the pin code and also select a valid district and state.

The CKYC number of any individual will not be displayed in any website as it is confidential data. Individuals may approach the financial institution where they provided their CKYC documents to obtain the number.

Please refer connectivity guidelines in download section.

  • Document should be scanned in grey-scale with a scanning resolution of 150-200 DPI.
  • Photograph must be a recent passport style picture preferably in color.
  • Dimension: 200 x 230 pixels.
  • Size of photograph should be between 20kb-50kb.
  • Acceptable file format : ‘.pdf’, ‘.jpeg’, ‘.jpg’
  • File Size (Maximum Limit): 350 kb for individual KYC record.
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