The CKYC Number (Central KYC Number or KIN) is a unique 14-digit identification number assigned to an investor by the Central Registry of Securitization Asset Reconstruction and Security Interest (CERSAI). The goal of CKYC is simple: Do KYC once, use it everywhere.
When you ask “what is CKYC Number,” you are asking for the code that prevents you from submitting your PAN and Aadhaar card repeatedly every time you open a new bank account, buy insurance, or invest in a mutual fund.
What Does CKYC Number Mean?
It stands for KYC Identification Number (KIN). It links all your ID proofs (Aadhaar, PAN, Passport) to one central file.
- Validity: Lifetime.
- Usage: Quoted in application forms to fetch your verified details automatically.
Why CKYC Number is Important
- Convenience: If you change your address, you only update it in the CKYC record, and all linked banks/insurers get the updated data.
- Speed: Instant account opening as verification is already done.
- Compliance: Mandatory for all financial institutions regulated by RBI, SEBI, IRDAI, and PFRDA.
Where is CKYC Number Used?
- Mutual Funds: New folios are created instantly using KIN.
- Stock Market: Opening a demat account requires KIN status check.
- Insurance Policies: Buying a policy requires this number.
How to Find or Check CKYC Number
Method 1: Ask Your Bank
If you have recently done KYC with a bank, they will send you an email/SMS with your 14-digit CKYC identifier.
Method 2: KRA Websites
1. Visit CVL KRA or CAMS KRA.
2. Click “KYC Inquiry”.
3. Enter PAN.
4. If registered, it displays the KIN (CKYC Number).
Example of CKYC Number
Format: 14 Digits
Example: 10002345678901
Common Problems or Errors
- Data Mismatch: If your mother’s name is missing in the old KYC record, CKYC might reject the new application. You need to update the central record.
- Photo Quality: CKYC is strict about photo quality. Old scanned photos often get rejected.
Important Things to Remember
- CKYC is different from e-KYC (Aadhaar based).
- Ensure your PAN is linked.
- Check what is KYC Status for general banking status.
- It is linked to your Demat Account.
Frequently Asked Questions
How do I generate a CKYC number?
You don’t generate it yourself. When you submit KYC documents to any bank, mutual fund, or insurer, they upload it to CERSAI, which then generates the CKYC number for you.
Is CKYC mandatory for mutual funds?
Yes, SEBI has mandated that for any new investment, the KIN (CKYC Number) must be verified.
Can I download my CKYC certificate?
Yes, some portals like CVL KRA allow you to download the KYC acknowledgement. You can also request the CKYC details from your bank.
What is the difference between KYC and CKYC?
KYC is the process of verification. CKYC is the central database that stores the result of that process so you don’t have to repeat it.
How many digits is the CKYC number?
The CKYC number, also known as KIN, is a 14-digit numeric code.