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CKYC ಎಂದರೇನು?

ದೇಶದ ಹಣಕಾಸು, ಆರ್ಥಿಕ ಸಂಸ್ಥೆಗಳಲ್ಲಿ ನಿಮ್ಮ ಗ್ರಾಹಕರನ್ನು ತಿಳಿಯಿರಿ (KYC) ಪ್ರಕ್ರಿಯೆಯನ್ನು ಸುಗಮಗೊಳಿಸಲು ಭಾರತ ಸರ್ಕಾರವು ಕೇಂದ್ರೀಕೃತ ಭಂಡಾರವನ್ನು ಸ್ಥಾಪಿಸಿತು. ಇದನ್ನು ನಿಮ್ಮ ಗ್ರಾಹಕರನ್ನು ತಿಳಿಯಿರಿ ಅಥವಾ CKYC ಎಂದು ಕರೆಯಲಾಗುತ್ತದೆ. ಭಾರತದ ಸೆಕ್ಯುರಿಟೈಸೇಶನ್ ಅಸೆಟ್ ರಿಕನ್‌ಸ್ಟ್ರಕ್ಷನ್ ಮತ್ತು ಸೆಕ್ಯೂರಿಟಿ ಇಂಟರೆಸ್ಟ್ ಕೇಂದ್ರ ನೋಂದಣಿ (ಸಿಇಆರ್‌ಎಸ್ಎಐ) ಹಣಕಾಸು, ಆರ್ಥಿಕ ಪಾರದರ್ಶಕತೆ ಮತ್ತು ನಿಯಂತ್ರಕ ದಕ್ಷತೆಯನ್ನು ಸಾಧಿಸಲು ಇದನ್ನು 2016 ರಲ್ಲಿ ಹಣಕಾಸು, ಆರ್ಥಿಕ ಸಚಿವಾಲಯದ ಮೇಲ್ವಿಚಾರಣೆಯಲ್ಲಿ ಪರಿಚಯಿಸಲಾಯಿತು.

CKYC ಎಂದರೆ ಎಲ್ಲಾ ಹಣಕಾಸು ಸಂಸ್ಥೆಗಳಲ್ಲಿ ವ್ಯಕ್ತಿಗಳು ಬಳಸಬಹುದಾದ ಒಂದೇ, ಏಕೀಕೃತ KYC ದಾಖಲೆಯನ್ನು ರಚಿಸುವ ಗುರಿಯನ್ನು ಹೊಂದಿರುವ ಚೌಕಟ್ಟು. ಇವುಗಳಲ್ಲಿ ಬ್ಯಾಂಕುಗಳು, ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು, ಇನ್ಶೂರೆನ್ಸ್ ಕಂಪನಿಗಳು ಮತ್ತು ಬ್ಯಾಂಕಿಂಗೇತರ ಹಣಕಾಸು, ಆರ್ಥಿಕ ಕಂಪನಿಗಳು (NBFC) ಸೇರಿವೆ. ಕಾರ್ಯವಿಧಾನದ ಅಡಿಯಲ್ಲಿ, ನೀವು ಒಂದು ಸಂಸ್ಥೆಯೊಂದಿಗೆ KYC ಪೂರ್ಣಗೊಳಿಸಿದ ನಂತರ, ನಿಮ್ಮ ವಿವರಗಳನ್ನು ಕೇಂದ್ರ KYC ನೋಂದಣಿಯಲ್ಲಿ ರೆಕಾರ್ಡ್ ಮಾಡಲಾಗುತ್ತದೆ ಮತ್ತು 14-ಅಂಕಿಯ CKYC ನಂಬರ್ ನಿಯೋಜಿಸಲಾಗುತ್ತದೆ. ನೀವು ಹೊಸ ಅಕೌಂಟ್ ತೆರೆದಾಗ ಅಥವಾ ಹೊಸ ಹಣಕಾಸು, ಆರ್ಥಿಕ ಸೇವೆಯನ್ನು ಪಡೆದಾಗ ಪ್ರತಿ ಬಾರಿ KYC ಪ್ರಕ್ರಿಯೆಯನ್ನು ಪುನರಾವರ್ತಿಸುವ ಅಗತ್ಯವನ್ನು ಇದು ನಿವಾರಿಸುತ್ತದೆ.

CKYC ensures interoperability and data standardization, unlike traditional KYC, where you need to submit physical documents separately to each organization. Thus, onboarding becomes easier, paperwork is reduced, and duplication of efforts is minimized for customers and institutions.

The Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), Insurance Regulatory and Development Authority of India (IRDAI), and Pension Fund Regulatory and Development Authority (PFRDA) maintain the regulatory framework of CKYC. These authorities make CKYC applicable across the entire financial ecosystem.

CKYC full form and its importance

As mentioned earlier, the full form of CKYC is Central Know Your Customer. Its primary purpose is to enhance customer convenience, reduce fraud, and ensure regulatory compliance through a single, verified identity database.

CKYC is important in the following ways:

• Centralized verification system: CKYC maintains a single, centralized database of verified customer details, accessible across banks, NBFCs, insurance companies, and mutual fund houses.
• Eliminates repetitive KYC: After your CKYC registration is completed, you don’t need to resubmit documents for every new financial product or account. The same CKYC record can be used across institutions.
• Saves time and paperwork: It streamlines onboarding by reducing manual document submission, making account opening and investment processes faster and hassle-free.
• Improves data accuracy: CKYC ensures all financial organizations use standardized and verified information. It helps minimize errors and inconsistencies in customer data.
• Reduces fraud and identity theft: The system provides a secure and verified identity repository. As a result, institutions can detect duplicate or fake identities and follow Anti-Money Laundering (AML) regulations.
• Promotes financial inclusion: CKYC simplifies access to formal financial services, especially for rural or first-time customers, through easy digital verification.
• Supports regulatory compliance: It helps institutions adhere to RBI, SEBI, IRDAI, and PFRDA KYC norms efficiently, ensuring a transparent financial ecosystem.

What is a CKYC number?

A CKYC number is a unique 14-digit identification number assigned to you once your details are successfully registered in the Central Know Your Customer (CKYC) database. CERSAI manages this database. CKYC in India acts as a universal KYC identifier that links your verified financial identity across all financial institutions in India.

The CKYC number contains encrypted data representing the customer’s personal information, such as name, date of birth, identity proof, address, and photograph. For example, a CKYC number can look like XXXX-YYYY-ZZZZZZ, where the digits are system-generated.

This number is accepted across banks, NBFCs, mutual fund companies, insurance firms, and other financial intermediaries. It allows institutions to get verified KYC details directly from the CKYC repository.

You don’t need to repeat the KYC process if you’ve completed it once. For instance, if you complete CKYC while opening a bank account, the same CKYC number can be used to invest in mutual funds or buy insurance policies. Hence, your CKYC number, meaning the 14-digit unique number, helps you save time, effort, and paperwork while ensuring compliance and authenticity.

How does CKYC work?

Here’s the step-by-step CKYC workflow to help you understand how it works:

ಡಾಕ್ಯುಮೆಂಟ್ ಸಲ್ಲಿಕೆ

You fill a CKYC form and submit identity and address proofs (PAN, Aadhaar, passport, voter ID, driving license, photograph) to a reporting entity (bank, mutual fund house, insurance company, NBFC). This document submission can be physical or digital, depending on the institution’s process.

Verification by the reporting entity

The Reporting Entity (RE) performs initial verification. It checks documents, validates signatures, and conducts in-person or Aadhaar-based e-KYC. The RE ensures the completeness and correctness of the KYC data before uploading.

Add to CKYC registry

After validation, the RE securely uploads your standardized KYC data to the central CKYC registry administered by CERSAI. Sensitive data is stored in encrypted form and mapped to a single profile.

Central registry validation

The central registry runs automated checks for duplicates and data integrity. Once accepted, the system generates a unique 14-digit CKYC number and links it to the customer’s CKYC record.

Issuance of CKYC number

The CKYC number is shared with the reporting entity and then communicated to you. The customer’s verified KYC profile now exists centrally.

Once done, you can provide the CKYC number or give consent to the new institution to fetch the record for future account openings. The institution retrieves the standardized KYC details from the CKYC registry. This CKYC process eliminates the need to upload fresh documents.

Types of CKYC accounts

The Central Know Your Customer (CKYC) system classifies customer accounts into four main types based on the nature of documents submitted and verification level. Each CKYC account type has a specific prefix and purpose.

Normal Account (Prefix: None)

This is a fully verified CKYC account created using Officially Valid Documents (OVDs) such as PAN, Aadhaar, Voter ID, passport, driving license, or NREGA job card. It provides complete access to all financial services and requires no additional verification for future transactions.

Simplified Measures Account (Prefix: ‘L’)

This account is opened for individuals who cannot provide standard OVDs but can submit other officially valid documents permitted under simplified KYC norms. These accounts are marked with an ‘L’ prefix and are subject to certain transactions or balance limits as per regulatory guidelines.

Small Account (Prefix: ‘S’)

A small account can be opened with basic personal details, a photograph, and a self-attested signature or thumb impression. They have an ‘S’ prefix and are designed for financial inclusion. They have limits on deposits, withdrawals, and overall balance.

OTP-based eKYC Account (Prefix: ‘O’)

An OTP-based eKYC Account is created using Aadhaar-based electronic KYC. This CKYC account type relies on OTP authentication and an Aadhaar XML/PDF, along with a photograph. It carries an ‘O’ prefix and allows partial functionality until full verification is completed.

All CKYC categories ensure inclusion, convenience, and compliance across different customer segments.

Key benefits of CKYC

There are several advantages of the CKYC system for customers and financial institutions. It simplifies and standardizes the KYC process across India’s financial ecosystem. Here are the CKYC key benefits:

1. Single KYC reference number for multiple financial transactions

The CKYC number contains 14 unique digits for every user. You can use it across banks, NBFCs, mutual fund companies, and insurance providers. There is no need to repeat KYC submissions for every new financial product because a single verified record serves all.

2. Saves time and paperwork for customers and institutions

CKYC eliminates repetitive form-filling and document submission. Once your data is uploaded to the CKYC registry, financial institutions can easily access it for future verification. This simplifies operations, reduces costs, and enhances customer convenience.

3. Enhances security and reduces identity fraud

CKYC minimizes duplication and the risk of fake identities with all KYC data stored in a centralized, encrypted database. Financial institutions can rely on verified information, strengthening compliance with Anti-Money Laundering (AML) norms and ensuring greater data integrity.

4. Supports faster onboarding for investments and loans

CKYC makes the processes for account opening, ಲೋನ್ ಪ್ರಕ್ರಿಯೆ, and investment activation faster. Financial institutions can instantly fetch verified KYC details using the CKYC number, enabling quicker approvals and seamless onboarding for new customers.

5. Facilitates digital and paperless financial services

CKYC is a crucial step toward India’s digital finance ecosystem. It enables eKYC, online onboarding, and paperless verification, necessary for digital banking, fintech services, and remote account openings.

ಇದನ್ನೂ ಓದಿ – KYC ಪರಿಶೀಲನೆಗೆ ಮಾರ್ಗಗಳು ಯಾವುವು? KYC ಮತ್ತು ಅದರ ಪರಿಶೀಲನಾ ಪ್ರಕ್ರಿಯೆಯ ಬಗ್ಗೆ ಇನ್ನಷ್ಟು ತಿಳಿಯಿರಿ

Key features of CKYC

After an understanding of CKYC’s meaning and benefits, it is essential to learn about CKYC features.

Single 14-digit identification number

Every individual registered under CKYC receives a unique 14-digit CKYC number. This number is issued by CERSAI and serves as a universal identity reference across all financial institutions, including banks, mutual funds, NBFC ಗಳು, and insurance companies.

One-time KYC for multiple institutions

There is no need to repeat the KYC process once it’s done on the CKYC repository. For example, a person who completes CKYC while opening a savings account can use the same number for mutual fund investments or buying insurance policies.

Digital storage of documents

All customer KYC details and documents are securely stored in digital format within the centralized CKYC registry. This allows financial institutions to access verified data instantly and eliminates the need for physical paperwork.

Faster onboarding and processing

The CKYC database is made available to financial institutions. They can fetch verified information from it using the CKYC number. As a result, account opening, investment activation, and loan approval processes are completed faster.

Reduced paperwork and repetition

CKYC simplifies compliance for both customers and institutions by removing the need for repeated document submission or manual verification at each financial entity.

Enhanced data security and fraud prevention

All CKYC data is encrypted and verified. It helps lower the chances of identity theft, fake accounts, or duplicate entries. Consequently, financial institutions can comply with Anti-Money Laundering (AML) and KYC norms.

Standardized and interoperable system

ಹಣಕಾಸಿನ ಪರಿಸರ ವ್ಯವಸ್ಥೆಯಲ್ಲಿ ಡೇಟಾ ಸಂಗ್ರಹಣೆ ಮತ್ತು ಪರಿಶೀಲನೆಯಲ್ಲಿ ಏಕರೂಪತೆಯನ್ನು CKYC ಖಚಿತಪಡಿಸುತ್ತದೆ, ಇದು ಸುಗಮ ನಿಯಂತ್ರಕ ಮೇಲ್ವಿಚಾರಣೆ ಮತ್ತು ಉತ್ತಮ ಪಾರದರ್ಶಕತೆಯನ್ನು ಸಕ್ರಿಯಗೊಳಿಸುತ್ತದೆ.

ಡಿಜಿಟಲ್ ಮತ್ತು ಕಾಗದರಹಿತ ಹಣಕಾಸನ್ನು ಬೆಂಬಲಿಸುತ್ತದೆ

eKYC ಮತ್ತು ಆನ್ಲೈನ್ ವೆರಿಫಿಕೇಶನ್ ವ್ಯವಸ್ಥೆಗಳ ಜೊತೆಗೆ ಸಂಯೋಜಿಸುವ ಮೂಲಕ, CKYC ಕಾಗದರಹಿತ ಟ್ರಾನ್ಸಾಕ್ಷನ್‌ಗಳನ್ನು ಉತ್ತೇಜಿಸುತ್ತದೆ, ಸುರಕ್ಷಿತ, ಡಿಜಿಟಲ್ ಹಣಕಾಸಿನ ಮೂಲಸೌಕರ್ಯದ ಭಾರತದ ದೃಷ್ಟಿಕೋನವನ್ನು ಬೆಂಬಲಿಸುತ್ತದೆ.

CKYC registration process

The CKYC registration process is designed to make customer identification simpler, faster, and uniform across all financial institutions in India. It allows individuals to complete KYC once and use it for multiple financial products such as bank accounts, mutual funds, and insurance policies.

ಅರ್ಹತೆ

• Indian residents qualify for CKYC with the submission of valid identity and address proofs.
  • NRIs can also register for CKYC using a passport, overseas address proof, and a visa or OCI/PIO card.
  • Minors can be registered through their guardian’s details and the minor’s birth certificate.

Steps to register for CKYC

Offline registration (via bank or financial institution)

1. Visit a bank, NBFC, insurance company, or mutual fund house that is a registered reporting entity under CKYC.
2. Fill out the CKYC form available at the institution.
3. Attach self-attested copies of required documents such as PAN, Aadhaar, Passport, Voter ID, Driving License, or NREGA Job Card, along with a passport-sized photograph.
4. Submit the form for verification. The institution will verify the information and upload it to the CERSAI CKYC registry.

Online registration (via CKYC-enabled platforms)

Some banks and investment platforms allow a digital CKYC process for registration through Aadhaar-based eKYC.

1. Enter your Aadhaar details, validate via OTP, and upload a recent photograph.
2. The verified data is automatically sent to the CKYC registry for approval.

Verification and timeline

Once uploaded, CERSAI validates the information for accuracy and duplication. If approved, a unique 14-digit CKYC number is generated and shared with the customer through SMS or email. The entire process generally takes 2 to 7 working days, depending on document verification speed.

How to check CKYC status?

You can check your CKYC status by visiting the financial institution’s websites or the KYC Registration Agency (KRA) portals, such as CAMS, Karvy, CVL, or NDML. Enter your PAN or CKYC number to view your registration status and KYC type: Normal, Simplified, Small, or OTP-based.

Documents required for CKYC registration

To complete CKYC registration, you must submit specific identity and address proof documents along with a photograph. These documents help financial institutions verify your details before uploading them to the CKYC registry. Below are the key CKYC required documents:

1. Proof of Identity (Officially Valid Documents – OVDs)

You can submit any one of the following government-issued IDs as valid identity proof:

• PAN ಕಾರ್ಡ್
• 1. ಆಧಾರ್ ಕಾರ್ಡ್
• ಪಾಸ್‌ಪೋರ್ಟ್
• ವೋಟರ್ ID ಕಾರ್ಡ್
• ಡ್ರೈವಿಂಗ್ ಲೈಸೆನ್ಸ್
• NREGA Job Card (issued by government authorities)

2. ವಿಳಾಸದ ಪುರಾವೆ

A valid document showing your current residential address is required. It can be:

• 1. ಆಧಾರ್ ಕಾರ್ಡ್
• ಪಾಸ್‌ಪೋರ್ಟ್
• Utility bills (electricity, telephone, or gas) not older than 3 months
• Bank account or credit card statement
• Registered rent agreement

3. Additional documents for NRIs

NRIs must also provide a passport, overseas address proof, and a valid visa, OCI, or PIO card.

4. Self-attestation and signature

All submitted documents should be self-attested and signed by the applicant to confirm authenticity.

These CKYC registration documents together ensure accurate verification. They help the CERSAI generate a unique 14-digit CKYC number valid across all financial institutions.

ಇದನ್ನೂ ಓದಿ – E-KYC ಎಂದರೇನು?

KYC, e-KYC ಮತ್ತು CKYC ನಡುವಿನ ವ್ಯತ್ಯಾಸ

Know Your Customer (KYC) is a regulatory process used by financial institutions to verify the identity and address of customers before providing financial services. Over time, this process has evolved from manual verification (KYC) to digital (e-KYC) and then to centralized verification (CKYC). While all three serve the same purpose of ensuring customer authenticity and preventing fraud, they differ in terms of execution, technology, and efficiency.

The following table highlights a comparison of KYC vs e-KYC vs CKYC:

ಬೇಸಿಕ್ಸ್	KYC	e-KYC	CKYC
ಅರ್ಥ	Traditional method of verifying customer identity using physical documents	Electronic KYC done online using Aadhaar-based OTP or biometric authentication	Centralized KYC managed by CERSAI, where one KYC record is used across all financial institutions
ಪ್ರಕ್ರಿಯೆ	Manual and paper-based	Digital and Aadhaar-enabled	Centralized and digitally stored in a national registry
ಅರ್ಹತಾ ಮಾನದಂಡ	PAN, Aadhaar, Passport, Voter ID, Driving License (physical copies)	Aadhaar number and OTP/biometric verification	PAN, Aadhaar, Passport, or other OVDs; uploaded once to the CKYC database
Verification method	Physical verification by each institution	UIDAI ಡೇಟಾಬೇಸ್ ಮೂಲಕ ಆನ್ಲೈನ್ ವೆರಿಫಿಕೇಶನ್	ಒಮ್ಮೆ ಪರಿಶೀಲಿಸಲಾಗಿದೆ ಮತ್ತು ಎಲ್ಲಾ ಹಣಕಾಸು, ಆರ್ಥಿಕ ಸಂಸ್ಥೆಗಳಲ್ಲಿ ಹಂಚಿಕೊಳ್ಳಲಾಗಿದೆ
ಪ್ರಕ್ರಿಯೆಯ ಪುನರಾವರ್ತನೆ	ಪ್ರತಿ ಹೊಸ ಅಕೌಂಟ್ ಅಥವಾ ಹೂಡಿಕೆಗೆ ಅಗತ್ಯವಿದೆ	Required for each Aadhaar-linked service	Not required again; one-time KYC for all financial products.
ಅನುಕೂಲಕರ	Time-consuming and paper-heavy	Faster but limited to Aadhaar users	Most convenient; saves time, ensures uniformity, and prevents duplication

Who needs CKYC, and why is it mandatory in India?

The Central Know Your Customer (CKYC) process is mandatory for all individuals and entities engaging in financial transactions in India. It ensures unified, verified customer identity across institutions, reducing fraud and promoting transparency.

Who needs CKYC?

• Individuals: Any person opening a bank account, investing in mutual funds, purchasing insurance policies, or applying for loans must complete CKYC registration.
• ಹಿಂದೂ ಅವಿಭಕ್ತ ಕುಟುಂಬಗಳು (ಎಚ್‌ಯುಎಫ್‌ಗಳು): ಎಚ್‌ಯುಎಫ್ ಪರವಾಗಿ ಹಣಕಾಸಿನ ಟ್ರಾನ್ಸಾಕ್ಷನ್‌ಗಳನ್ನು ನಿರ್ವಹಿಸುವಾಗ ಕರ್ತಾ (ಮುಖ್ಯಸ್ಥರು) CKYC ಅಡಿಯಲ್ಲಿ ನೋಂದಣಿ ಮಾಡಬೇಕು.
• ಕಂಪನಿಗಳು, ಟ್ರಸ್ಟ್‌ಗಳು ಮತ್ತು ಪಾಲುದಾರಿಕೆಗಳು: ನಿಯಂತ್ರಕ ನಿಯಮಗಳನ್ನು ಅನುಸರಿಸಲು ಈ ಘಟಕಗಳು ಸಾಂಸ್ಥಿಕ ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳು ಮತ್ತು ಅಧಿಕೃತ ಸಹಿದಾರರ ವಿವರಗಳನ್ನು ಬಳಸಿಕೊಂಡು ನೋಂದಣಿ ಮಾಡಬೇಕು.
• ಅನಿವಾಸಿ ಭಾರತೀಯರು (NRI ಗಳು): ಭಾರತದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಅಥವಾ ಬ್ಯಾಂಕಿಂಗ್ ಮಾಡುವ NRI ಗಳಿಗೆ ಪಾಸ್‌ಪೋರ್ಟ್, ವೀಸಾ ಮತ್ತು ವಿದೇಶಿ ವಿಳಾಸದ ಪುರಾವೆಯನ್ನು ಬಳಸಿಕೊಂಡು CKYC ಅಗತ್ಯವಿದೆ.

CKYC ಅಗತ್ಯವಿರುವ ವಲಯಗಳು

• ಅಕೌಂಟ್ ತೆರೆಯುವುದು, ಲೋನ್‌ಗಳು ಮತ್ತು ಫಿಕ್ಸೆಡ್ ಡೆಪಾಸಿಟ್‌ಗಳಿಗೆ ಬ್ಯಾಂಕ್‌ಗಳು ಮತ್ತು ಎನ್‌ಬಿಎಫ್‌ಸಿಗಳು
• Mutual fund houses for SIP registration or lump-sum investments
• Insurance companies for offering life or general insurance policies
• Stockbrokers and investment platforms for trading or demat account creation

Exceptions/Exemptions:

Certain low-value prepaid instruments and small accounts with limited transactions may follow simplified KYC norms instead of full CKYC.

How to check CKYC number online?

Your CKYC number is a 14-digit unique ID that links your verified KYC details across banks, mutual funds, insurance, and other financial institutions. If you’ve completed KYC once, you can easily check or retrieve your CKYC number online through various platforms.

ನಿಮ್ಮ CKYC ನಂಬರನ್ನು ಆನ್ಲೈನಿನಲ್ಲಿ ಪರಿಶೀಲಿಸುವುದು ಹೇಗೆ ಎಂಬುದರ ಬಗ್ಗೆ ಹಂತವಾರು ಮಾರ್ಗದರ್ಶಿ ಇಲ್ಲಿದೆ:

1. CKYC ಅಥವಾ ಕೆಆರ್‌ಎ ಪೋರ್ಟಲ್‌ಗೆ ಭೇಟಿ ನೀಡಿ

ಸಿಎಎಂಎಸ್ ಕೆಆರ್‌ಎ, ಕಾರ್ವಿ ಕೆಆರ್‌ಎ, ಸಿವಿಎಲ್ ಕೆಆರ್‌ಎ, ಎನ್‌ಡಿಎಂಎಲ್ ಅಥವಾ NSE ಕೆಆರ್‌ಎ ನಂತಹ ನೋಂದಾಯಿತ KYC ನೋಂದಣಿ ಏಜೆನ್ಸಿ (ಕೆಆರ್‌ಎ) ವೆಬ್‌ಸೈಟ್‌ಗೆ ಹೋಗಿ.

2. PAN ವಿವರಗಳನ್ನು ನಮೂದಿಸಿ

CKYC ನಿಮ್ಮ PAN ದಾಖಲೆಗೆ ಲಿಂಕ್ ಆಗಿರುವುದರಿಂದ, ನಿಮ್ಮ ಪರ್ಮನೆಂಟ್ ಅಕೌಂಟ್ ನಂಬರ್ (PAN) ಅನ್ನು ಪ್ರಾಥಮಿಕ ಗುರುತಿನ ಇನ್ಪುಟ್ ಆಗಿ ಒದಗಿಸಿ.

3. ಭದ್ರತಾ ವೆರಿಫಿಕೇಶನ್ ಪೂರ್ಣಗೊಳಿಸಿ

ನಿಮ್ಮ ಅಕ್ಸೆಸ್ ಕೋರಿಕೆಯನ್ನು ಪರಿಶೀಲಿಸಲು ಸ್ಕ್ರೀನಿನಲ್ಲಿ ಪ್ರದರ್ಶಿಸಲಾದ ಕ್ಯಾಪ್ಚಾ ಕೋಡ್ ಅಥವಾ ಭದ್ರತಾ ಕೋಡ್ ನಮೂದಿಸಿ.

4. CKYC ವಿವರಗಳನ್ನು ನೋಡಿ

ಒಮ್ಮೆ ಪರಿಶೀಲಿಸಿದ ನಂತರ, ನಿಮ್ಮ CKYC ನಂಬರ್, ಹೆಸರು, ಹುಟ್ಟಿದ ದಿನಾಂಕ ಮತ್ತು KYC ಸ್ಟೇಟಸ್ (ಉದಾ., ಸಾಮಾನ್ಯ, ಸರಳ ಅಥವಾ eKYC) ಅನ್ನು ಸ್ಕ್ರೀನಿನಲ್ಲಿ ತೋರಿಸಲಾಗುತ್ತದೆ.

5. Save and use your CKYC number

Note down your CKYC number securely. You can use it for opening new bank accounts, investing in mutual funds, or purchasing insurance without submitting KYC documents again.

ಇದನ್ನೂ ಓದಿ- ವಿಡಿಯೋ KYC ಎಂದರೇನು ಮತ್ತು ಪರ್ಸನಲ್ ಲೋನ್‌ಗಾಗಿ ನೀವು ಅದನ್ನು ಹೇಗೆ ಪಡೆಯಬಹುದು?

CKYC validity and impact on investors

The CKYC registration, once completed, is valid for a lifetime. This means investors and accountholders do not need to repeat the KYC process for every new financial product or service. Registered financial institutions can at any time access the verified details stored in the CERSAI database.

Existing investors who have already completed their KYC under earlier systems may not need to register separately for CKYC unless requested by a financial institution for data updation.

The impact of CKYC on investors is highly positive. It simplifies onboarding by allowing financial institutions to fetch verified KYC details instantly, reducing paperwork and time. Investors can easily open new accounts, invest in mutual funds, buy insurance policies, or apply for loans using their unique 14-digit CKYC number.

Moreover, CKYC enhances fraud prevention by maintaining a single verified identity record across all platforms. As a result, duplication and identity theft risks are reduced while ensuring compliance with regulatory standards.

CKYC provides investors with lifetime convenience, faster access, and greater financial security across India’s financial ecosystem.

ತೀರ್ಮಾನ

The CKYC system aims to simplify and unify customer verification across India’s financial sector. It eliminates the need for repetitive documentation each time a customer engages with a new financial institution. CKYC not only saves time and reduces paperwork but also enhances data accuracy, security, and compliance with regulatory standards.

NOTE- the details given in this article may change as per the relevant policy changes, Refer the relevant government sources for the latest details.

ಜನಪ್ರಿಯ ಹುಡುಕಾಟಗಳು

ಡೈರೆಕ್ಟ್ ಸೆಲ್ಲಿಂಗ್ ಏಜೆಂಟ್‌ಗಳು ಸರ್ಕಾರದಿಂದ 3 ಲಕ್ಷದ ಲೋನ್ ಕಡಿತ ಮತ್ತು ವಿನಾಯಿತಿ ನಡುವಿನ ವ್ಯತ್ಯಾಸ ಲೋನ್ ಶಾರ್ಕ್‌ಗಳು ಸಬ್ಸಿಡಿ ಎಂದರೇನು CERSAI ಶುಲ್ಕಗಳು ಷೇರುಗಳ ಬುಕ್ ಮೌಲ್ಯ