CKYC Search

Overview

CKYC is an initiative from the Government of India which stands for Central KYC (Know Your Customer). The motive behind launching this initiative is to have a structure in place to allow investors to complete their KYC only once before interacting with multiple entities across Financial Services.

CKYC is managed by CERSAI which stands for Central Registry of Securitization Asset Reconstruction and Security Interest of India. It is authorized by the Government of India to act as the Central KYC Registry (CKYCR). The main objective of CKYCR (Central KYC Registry) is to reduce the weight of generating KYC documents and verifying them every single time when an investor deals with a financial entity for the first time.

Decentro powers CKYC for platforms which have their own credentials or for regulated entities like NBFCs, RIAs, etc. so that the platforms can focus on scale and go live within a day!

CKYC Search

CKYC Search API can be used by the platform to check if they are present on the CKYC repository. The platform can access the download ONLY if the customer is present with the repository.

CKYC Search can be undertaken using one of the IDs.

PAN
Aadhaar
Passport
Voter ID
Driving License
CKYC Number

Document Type

Document Type	ID Number
PAN	10 digit PAN number of that person. Example: "AAAAA1111A".
Aadhaar	A combination of 4 details: 'last 4 digits of AADHAAR', 'Name as on AADHAAR', 'Date of birth as on AADHAAR in dd-mm-yyyy format' and Gender: Male 'M', Female 'F' or Other 'T'). Example: "XXXX
Passport	A valid Passport number of the customer.
Voter ID	A valid Voter ID number of the customer.
Driving License	A valid Driving Licence number of the customer.
CKYC ID	A valid 14 digit CKYC number of the customer.

Sample API

{
    "reference_id": "ABCDEF12345",
    "document_type": "Driving_License",
    "id_number": "XXXXXXXXXX",
    "consent": true,
    "consent_purpose": "For bank account purpose"
}

{
  "decentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXXXXXX",
  "status": "SUCCESS",
  "responseCode": "S00000",
  "data": {
    "kycStatus": "SUCCESS",
    "kycResult": {
      "ckycId": "XXXXXXXXXXXXXX",
      "fullName": "MR MANISH GUPTA",
      "age": "25",
      "kycDate": "DD-MM-YYYY",
      "updatedDate": "DD-MM-YYYY",
      "fathersFullName": "XXXXXXXXXXXXXXXXXX",
      "imageType": "jpg",
      "photo": "<Base64 Image>",
      "identityDetails": {
        "identity": [
          {
            "status": "03",
            "type": "Driving License"
          }
        ]
      }
    },
    "message": "KYC Details for CKYC retrieved successfully."
  },
  "responseKey": "success_ckyc_search"
}

Updated 4 months ago