CKYC Search & Download

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 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": "Manish Gupta is Testing",
    "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"
}

CKYC Download with OCR

CKYC Download 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 Download shares a detailed list of documents uploaded by a regulated entity as well as customer information as detailed in the response.

This API accepts the below parameters.

Enter your CKYC number from CKYC Search
Type of authentication of the person whose CKYC details are to be downloaded. Can be 1 / 2 / 3.
Auth factor - Depends on the auth_factor_type, refer to the table below for details.

Decentro returns a response from this API only if CERSAI returns a response basis the auth factor parameters passed by the platform.

📘
CKYC Download with OCR
OCR can be performed directly on CKYC Documents by selecting the perform_ocr parameter and passing it as true.

📘
Heads Up!
identityDetails is received directly from CKYC. If we don't get this block for a few customers, it means we have not received that block from CKYC.

Auth Factor

auth_factor_type	auth_factor
1	Date of birth in the format: "yyyy-mm-dd". Example: "1993-03-29".
2	A combination of the 6-digit pin code and the year of birth. Example: "5600171992" where 560017 is the pin code and 1992 is the year of birth.
3	A valid 10-digit mobile number of the person whose AADHAAR is linked with. Example: "9001122339".

Sample API

{
    "reference_id": "Manish Gupta is Testing",
    "id_number": "XXXXXXXXXXXXXX",
    "auth_factor_type": 1,
    "auth_factor": "1993-03-29",
    "consent": true,
    "consent_purpose": "Manish Gupta is Testing",
    "perform_ocr": false
}'

{
  "decentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXXXXXX",
  "status": "SUCCESS",
  "responseCode": "S00000",
  "data": {
    "kycStatus": "SUCCESS",
    "kycResult": {
      "personalIdentifiableData": {
        "personalDetails": {
          "constituitonType": "Individual",
          "accountType": "Normal",
          "ckycNo": "XXXXXXXXXXXXXX",
          "prefix": "MR",
          "firstName": "CARL",
          "lastName": "SMITH",
          "fullName": "MR CARL SMITH",
          "fatherOrSpouse": "FATHER",
          "fatherPrefix": "MR",
          "fatherFname": "JON",
          "fatherLname": "SMITH",
          "fatherFullname": "MR JON SMITH",
          "motherPrefix": "MRS",
          "motherFname": "MARY",
          "motherLname": "SMITH",
          "motherFullname": "MRS MARY SMITH",
          "gender": "MALE",
          "dob": "DD-MM-YYYY",
          "pan": "XXXXXXXXXX",
          "permLine1": "S/O JON SMITH",
          "permLine2": "MAPLE APARTMENT FLAT 407 INDIRANAGAR 1ST STAGE",
          "permCity": "BENGALURU URBAN",
          "permDist": "BENGALURU URBAN",
          "permState": "KA",
          "permCountry": "IN",
          "permPin": "560038",
          "permPoa": "Proof of Possession of Aadhaar",
          "permCorresSameflag": "Y",
          "corresLine1": "S/O JON SMITH",
          "corresLine2": "MAPLE APARTMENT FLAT 407 INDIRANAGAR 1ST STAGE",
          "corresCity": "BENGALURU URBAN",
          "corresDist": "BENGALURU URBAN",
          "corresState": "KA",
          "corresCountry": "IN",
          "corresPin": "560038",
          "mobNum": "XXXXXXXXXX",
          "email": "[email protected]",
          "decDate": "DD-MM-YYYY",
          "decPlace": "BANGALORE",
          "kycDate": "********",
          "docSub": "Certified Copies",
          "kycName": "********",
          "kycDesignation": "********",
          "kycBranch": "********",
          "kycEmpcode": "********",
          "numIdentity": "1",
          "numRelated": "0",
          "numImages": "4"
        },
        "identityDetails": {
          "identity": {
            "sequenceNo": "1",
            "identityType": "PAN",
            "identityNumber": "XXXXXXXXXX",
            "idVerificationStatus": "NO"
          }
        },
        "imageDetails": {
          "image": [
            {
              "sequenceNo": "1",
              "imageType": "JPG",
              "imageCode": "Photograph",
              "globalFlag": "GLOBAL",
              "branchCode": "BLR",
              "imageData": "<base_64_string>"
            },
            {
              "sequenceNo": "2",
              "imageType": "PDF",
              "imageCode": "PAN",
              "globalFlag": "GLOBAL",
              "branchCode": "BLR",
              "imageData": "<base_64_string>"
            },
            {
              "sequenceNo": "3",
              "imageType": "JPG",
              "imageCode": "Proof of Possession of Aadhaar",
              "globalFlag": "GLOBAL",
              "branchCode": "BLR",
              "imageData": "<base_64_string>"
            },
            {
              "sequenceNo": "4",
              "imageType": "JPG",
              "imageCode": "Passport",
              "globalFlag": "GLOBAL",
              "branchCode": "BLR",
              "imageData": "<base_64_string>"
            },
            {
              "sequenceNo": "5",
              "imageType": "PDF",
              "imageCode": "Driving License",
              "globalFlag": "GLOBAL",
              "branchCode": "BLR",
              "imageData": "<base_64_string>"
            },
            {
              "sequenceNo": "6",
              "imageType": "JPG",
              "imageCode": "Voters Identity Card",
              "globalFlag": "GLOBAL",
              "branchCode": "BLR",
              "imageData": "<base_64_string>"
            },
            {
              "sequenceNo": "7",
              "imageType": "JPG",
              "imageCode": "Signature",
              "globalFlag": "GLOBAL",
              "branchCode": "BLR",
              "imageData": "<base_64_string>"
            }
          ]
        }
      }
    },
    "message": "KYC Details for CKYC retrieved successfully."
  },
  "responseKey": "success_ckyc_download"
}

{
    "reference_id": "Manish Gupta is Testing",
    "id_number": "XXXXXXXXXXXXXX",
    "auth_factor_type": 1,
    "auth_factor": "1993-03-29",
    "consent": true,
    "consent_purpose": "For bank account purpose",
    "perform_ocr": true
}'

{
    "decentroTxnId": "DECXXXXXXXXXXXXXXXXXXXXXXXXXXX",
    "status": "SUCCESS",
    "responseCode": "S00000",
    "data": {
        "kycStatus": "SUCCESS",
        "kycResult": {
            "pan": {
                "ocrStatus": "SUCCESS",
                "ocrName": "JOHN DOE",
                "ckycName": "MR JOHN DOE",
                "matchStatus": true,
                "imageData": "xxx"
            },
            "aadhaar": {
                "ocrStatus": "SUCCESS",
                "ocrName": "John Doe",
                "ckycName": "MR JOHN DOE",
                "matchStatus": true,
                "imageData": "xxx"
            },
            "driving_license": {
                "ocrStatus": "SUCCESS",
                "ocrName": "John Doe",
                "ckycName": "MR JOHN DOE",
                "matchStatus": true,
                "imageData": "xxx"
            }
        }
    },
  "responseKey": "success_ckyc_download"
}

CKYC Search & Download

CKYC Search

Document Type

Sample API

CKYC Download with OCR

📘
CKYC Download with OCR

📘
Heads Up!

Auth Factor

Sample API

CKYC Search

Document Type

Sample API

CKYC Download with OCR

📘CKYC Download with OCR

📘Heads Up!

Auth Factor

Sample API

📘
CKYC Download with OCR

📘
Heads Up!