How Your 14-Digit CKYC Identifier Eliminates Duplicate Verification Across Banks and Insurers

Chandani — Tue, 21 Jul 2026 17:19:13 +0000

The Central KYC Registry allows a single set of verified identity records to be shared seamlessly across banks, mutual funds, insurance firms, and NBFCs.

MUMBAI — The Reserve Bank of India (RBI) has issued a consumer awareness advisory encouraging bank account holders and financial investors to know and utilize their 14-digit CKYC (Central Know Your Customer) number.

The single unified identifier allows financial institutions to retrieve existing customer verification records from a central database, saving individuals from submitting identity and address proof documents every time they open a new bank account, purchase an insurance policy, or invest in mutual funds.

1. What Is CKYC and How Does It Work?

Managed by the Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI), the Central KYC Registry acts as a single centralized repository for verified customer identification data.

📑 Unified CKYC Onboarding Process:
One-Time Verification ➔ Submit ID/Address proof to any regulated financial entity.
Central Upload       ➔ Institution uploads verified data to CERSAI registry.
14-Digit Allotment    ➔ A unique 14-digit CKYC Identifier (KIN) is generated.
Universal Reuse       ➔ Share the 14-digit number across all banks & insurers.

When a customer initiates a new financial relationship, the institution inputs the customer’s 14-digit CKYC Identifier to instantly pull verified demographic records and government-issued ID proofs directly from CERSAI.

2. Benefits Across Regulated Financial Sectors

Sector	Previous Process	With 14-Digit CKYC Identifier
Banking	Physical form submission, ID/Address copies per account	Provide 14-digit CKYC number for instant verification.
Mutual Funds	Separate KYC onboarding for each fund house	Universal KYC status recognized across all AMCs.
Insurance	Physical document verification per policy purchase	Instant policy issuance via central CKYC lookup.
NBFCs & Loans	Manual document collection for credit checks	Digital pull from CERSAI speeds up loan processing.

How to Find Your 14-Digit CKYC Identifier

Financial customers can retrieve their existing CKYC number through multiple authorized channels:

1.Check Financial Profiles:Option 1: Net Banking / Mobile Apps.

Log in to your bank or credit card mobile application, navigate to Profile Settings / KYC Details, and view your masked or unmasked 14-digit CKYC Identifier.

2.Fetch via DigiLocker:Option 2: DigiLocker Integration.

Access the official DigiLocker platform, search for the Central KYC Records Registry (CERSAI) under issuer services, and link your CKYC card.

3.PAN-Based Search:Option 3: Portal Verification.

Visit your bank or financial distributor’s online CKYC status portal and perform an instant search using your PAN card number.

Important Note: While CKYC eliminates duplicate document submissions for new accounts, customers are still required to update their central CKYC records whenever there is a permanent change in address, mobile number, or legal name.