CKYC - Check and Download

India has a central KYC (CKYC) registry to ensure KYC all financial institutions follow uniform KYC practices. After an individual's details are added to the CKYC database, organizations can access these details to digitally verify KYC details instead of manually collecting and verifying these details.

The CKYC registry makes it easier for organizations to:

• Provide a seamless digital experience to their users.
• Adhere to all required regulatory guidelines.
• Protect themselves and their users by reducing the chances of fraud and identity theft.
  Types of CKYC Registration

Workflow

With ZWITCH, you can verify and download an individual’s or entity’s CKYC details in 2 steps.

Follow the below steps to check and download an individual’s or entity’s CKYC registration.

1. Check CKYC Registration : First, check if the individual or entity is registered in the CKYC database.
2. Download CKYC Details : Next, download their details from the CKYC database.

Use Cases

You can use ZWITCH APIs to search to check if an individual is registered in the CKYC database. If their details are present in the CKYC database, you do not need to collect their KYC details again, saving you time and money.

Loan Providers

Before issuing a loan you must establish your customer's identity. This helps prevent fraud and ensures the person applying for the loan is the person to who you are issuing the loan.

You can use our other APIs to digitally verify your customer's identity and complete their KYC verification. However, checking if the customer is already registered in the CKYC database makes the KYC process simpler and quicker, saving you money while ensuring you adhere to all compliance and regulatory guidelines.

Saving and Current Account Issuance

KYC verification is a mandatory requirement to open savings and current accounts. This helps prevent fraud and identity theft and helps ensure the account is not misused.

You can use our CKYC APIs to check if the applicant is registered in the CKYC database. If the applicant's details are present in the CKYC database, you can use that information to complete the applicant's KYC. This makes the KYC process simpler and quicker, saving you money while ensuring you adhere to all compliance and regulatory guidelines.

Types of CKYC Registration

Depending on the documents submitted, there are 4 types of CKYC registrations.

1. Normal Registration: This type of registration is done when one of the following documents is submitted as identity proof:

   • PAN
   • Aadhaar
   • Voter ID
   • Driving License
   • Passport
   • NREGA Job Card
   
   In this case, the CKYC number is a 14-digit number.

2. Simplified Measures Registration: This type of registration is done when any officially valid document (other than the ones mentioned for normal registration) is submitted as identity proof. In this case, the CKYC number is a 14-digit number prefixed by L.

3. Small Account: This type of registration is done when a photograph and personal details are submitted to the CKYC database. In this case, the CKYC number is a 14-digit number prefixed by S.

4. OTP-Based eKYC Account: This type of registration is done when a photograph and Aadhaar PDF file (downloaded from the UIDAI website) are submitted to the CKYC database. In this case, the CKYC number is a 14-digit number prefixed by O.