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Tata Capital > Blog > Generic > What is CERSAI?


What is CERSAI?

What is CERSAI?

CERSAI, which stands for Central Registry of Securitisation Asset Reconstruction and Security Interest of India, is a significant financial institution in India that plays a crucial role in the banking and financial sector. Established under the SARFAESI Act, 2002 (Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002), CERSAI's primary objective is to maintain a comprehensive database of all security interests created in favor of banks and financial institutions. In this blog post, we will delve into the key functions of CERSAI, how to register and log in to the CERSAI portal, its objectives, and answer some frequently asked questions about this vital institution.

CERSAI, often pronounced as "ser-say," is a statutory body that operates under the aegis of the Reserve Bank of India (RBI). It was established in 2011 to address the need for a centralized registry for recording and maintaining security interests. CERSAI is a critical component of the Indian financial system, as it ensures transparency and efficiency in financial transactions, especially those involving secured assets.

Key Functions of CERSAI 

CERSAI performs several essential functions, including:

  • Registration of Security Interests: One of CERSAI's primary functions is to register security interests created by borrowers in favor of banks and financial institutions. This registration helps establish a legal claim over assets offered as collateral.
  • Maintenance of a Centralized Database: CERSAI maintains a comprehensive and up-to-date database of all registered security interests, making it easily accessible to lenders and other stakeholders.
  • Verification of Encumbrances: CERSAI provides a platform for banks and financial institutions to verify whether a specific asset is encumbered or not. This verification is crucial during the due diligence process before granting loans or credit facilities.

How to Register and Log In on the CERSAI Portal


To register on the CERSAI portal, follow these steps:

  • Visit the official CERSAI website.
  • Click on the "Registration" tab.
  • Fill out the registration form with accurate details.
  • Submit the required documents as specified on the portal.
  • Upon successful verification, you will receive login credentials.


Once you have your login credentials, logging in to the CERSAI portal is straightforward:

  • Go to the CERSAI website.
  • Click on the "Login" option.
  • Enter your username and password.
  • Complete the security verification process if prompted.
  • You will be redirected to your dashboard.

Objectives of CERSAI

CERSAI's primary objectives include:

  • Facilitating transparency and efficiency in financial transactions.
  • Reducing disputes related to security interests.
  • Strengthening the credit ecosystem.
  • Enhancing the ease of doing business in India's financial sector.

Frequently Asked Questions

What is the purpose of CERSAI?

CERSAI's purpose is to maintain a centralized registry of security interests created in favor of banks and financial institutions. It ensures transparency, reduces disputes, and strengthens the financial system.

Who is eligible for CERSAI?

Banks, financial institutions, and other lending entities are eligible to register on CERSAI for recording their security interests.

What is CERSAI's charge in banks?

CERSAI charges fees for registering security interests, and these charges may vary depending on the type and value of the transaction. Detailed fee schedules can be found on the CERSAI portal.

How do I make a CERSAI entry?

To make a CERSAI entry, log in to the CERSAI portal, select the appropriate option for registration, and follow the step-by-step process provided.

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