Central KYC Registry or CKYCR – How to fill it? [Video]

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Central KYC Registry or CKYCR will now replace the existing multiple KYC submission process while opening savings bank accounts, buying life insurance or investing in  mutual fund products into one time centralized process.

The Government of India has authorized the Central Registry of Securitization and Asset Reconstruction and Security interest of India (CERSAI) to manage this Central KYC Registry process. From 1st August, 2016 this new process will be applicable to all individuals.

Hence, it is important for all individuals to know the contents of Central KYC Registry or CKYCR form. Also, you must aware of how to fill the form.

Central KYC Registry or CKYCR Form

The beauty of this new form is that in the single form itself you will find the new KYC registration and modification feature. Also, the FATCA declaration is also available in same KYC form. As of now, you have to declare when you are investing. However, it is now made it mandatory of FATCA declaration while completing the KYC Process itself.

Features of Central KYC Registry (CKYCR) Form

  • A single KYC for all your financial transactions.
  • In existing format PAN is the sole identifier for an investor. However, in new Central KYC Registry system, the list goes beyond Aadhaar and PAN.
  • A single form to create new KYC or modify the existing KYC.
  • In existing KYC, mother’s name and proof of permanent address are mandatory (if your address for correspondence is not the same as permanent address).
  • Three types of accounts are specified. One is Normal, second is Simplified or for low-risk customers and third is Small investors. You have to select which is applicable to you.
  • If your aggregate of all credits in a financial year does not exceed rupees one lakh, the aggregate of all withdrawals and transfers in a month does not exceed rupees ten thousand or the balance at any point of time does not exceed rupees fifty thousand, then you will be considered as SMALL account type of investor.
  • The simplified or low-risk customers means customers who are not able to submit anyone among 6 documents listed. They are Passport, driving license, PAN card, Voter ID, job card issued by NREGA or Aadhaar Card.
  • If you will not fall in above two categories of investors like SMALL or SIMPLIFIED (Low-Risk Customers), then you have to mention it as NORMAL customers.
  • FATCA declaration is also included in KYC form itself.
  • You can add related persons like a guardian of minor, assignee or authorized representative KYC details in the same single form.
  • If you have more than one Correspondance or local address, then you can update them in Annexure A1.
  • If you have more than one related person, then you can update their details in Annexure B1.

How to fill the Central KYC Registry (CKYCR) form?

Even though it looks complicated to fill the newly launched Central KYC Registry (CKYCR) form, but in reality, it is too simple. To make it more comfortable for you, I created a video tutor. Please watch this below video before jumping into the filling of Central KYC Registry (CKYCR) form.

I hope you understood the whole process of how to fill the Central KYC Registry or CKYCR form by now. If you still have doubts, then you can raise your doubts by commenting below.

This is the initial information available about Central KYC Registry or CKYCR. I think there may be some changes to it at later stage. I will update as and when I get information about such updates.

Download the Central KYC Registry or CKYCR Form

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75 Responses

  1. I had done CKYC IN April 2020 using Passport as proof of ID. A few days ago, I opened a Demat Account online with HDFC Securities and they have inadvertently created a new CKYC number for me using Aadhaar as ID. This new CKYC has name spelling error, as my PAN card name is spelt without a space ie. first name followed by surname with no space. and the name is repeated twice.
    What can I possibly do to rectify this? Also my name is similarly wrongly spelt in this new online Demat Account.

    Seems like technology is tripping itself up big time! I now have two CKYCs, which logically should not happen.

  2. Dear sir,

    I Need to some name Change in Central KYC, My bank Person enter wrong name ..Pls share you suggestion & tips..

    what posses for Name change in central kyc registry


  3. Hi Basavaraj Sir,

    Thanks for the Video. Just wanted to check if it is mandatory to fill in the details for related person?

    Thanks & Regards,

  4. Dear Sir,
    I am very new to investing in Mutual Funds. Please guide me. I live in Delhi.
    I have 2 old mutual funds which I want to withdraw and start new investments in Mutual Funds SIP.
    I found the CKYC form online but there is hardly any information regarding how/where to submit it. Can it be done online? If not, then where should I submit my application and documents.

      1. Sir, it was done long back and was done through a friend working with Bajaj Capital at that point of time. Also it was much before CKYC was introduced.
        Now I am clueless as to how to proceed. I want to get the CKYC done so that I am able to easily invest in different schemes online.

  5. Hi sir,
    I was trying to invest in SIP mutual funds through MFU. I got my CKYC 14 digit number but is not getting updated in any KRA data base.
    MFU portal shows kyc pending status because of which I’m unable to invest. Tried contacting NDSL but of no help.please advice
    Thanks in advance

  6. Does SBI process cKYC, for old customers?
    Can I get cKYC number even if I do not have any plan to invest in near future? Can I just fill the form and submit it somewhere (where to submit?), without any new investment?

  7. After filling in the C-KYC form, whom should be sent it to? And how long does it take to get a number to me!

  8. If f there is no another address other than permanent address and details of related person then it is compulsary to submit annex A 1 and B1?


  10. Dear sir mutual funds company’s, and,banks locally .about central kyc there is no knowledge for them.but I want central kyc ?sbi mutual funds opening time submitted normal kyc.I want central kyc. Please slove my problem. Please details reply sir.
    Your faithfuly
    Srinivas koyyana [email protected]

  11. Dear sir I have submitted mutual funds amc kyc details when I opened application. But recently central government of india recentley provide central kyc. I want central kyc. How to apply central kyc ?old kyc no problem. But cecentral kyc upload to my account? Any charges paid ? Please details send me sir
    Your faithfuly
    Srinivas koyyana
    [email protected]

  12. Kavita Ji, gone through your posting dated 26th August, 2016. we are facing the same problem with the CKYC as a Financial Institution. Did you get any respite on this. Post the procedure if you have received any. We received message as ” Pending for testing completion sign-off”

    1. Financial institutions have to login to test bed login provided by Ckyc and upload some sample data. There are different methods to do this. One is directly entering the customer data in portal and uploading images. Second is through bulk files. You have to successfully test these methods and submit a checklist form available in the ckycindia website, after which login to the actual portal will be allowed.

  13. First of all thank you for the informative Video, can you please guide with respect to following:
    We as an financial entity registered with SEBI ,had applied for CKYC registration, after getting the FI registration reference number, the status says pending for testing singing off, after the correspondence with an CKYC they said you need to re-register but as i am filling the details it says details already exist. and i am unable to contact them on given numbers.

  14. Whether recording change of address (locally) with Financial Institution needs filling up of entire CKYC form or only the address column is sufficient?

  15. Hello Mr Basavaraj.
    Recently I sent an application to open demat account in axis bank. I don’t remember what KYC form I signed. Do I have to approach bank to confirm? Till now I haven’t received any 14 digit ckyr number.

  16. Hi,
    I think We don’t have to fill the ” Account TYPE : NORMAL ….” As that is for Official use and FINANCIAL INSTITUTIONS are supposed to Fill it, KINDLY CORRECT ME.

  17. Keeping my fingers crossed to see this “Never Ending KYC Mess” with this new C-KYC. As an Investment Banker, i find it very ridiculous to keep changing one too many without finding a final draft.
    Hope this brings to an end to Proving an Indian as Identified Indian. The identity crisis that we create in the mind of the common people is far damaging than helping him. Major part of my time goes waste in answering the text queries from thousands clients i have.

  18. Hello Mr. Basavaraj, thanks for sharing the info on to-be-introduced new Central e-KYC Form. The last page of the Form for which you have provided the link seems to have some issue. Please check the same.
    Also, for those who are already KYC compliant with Banks and SEBI / DPs, will this Form be required to be filled and submitted proactively, or will concerned financial institution intimate us to do the same ?

    1. Ramesh-It is working properly at my end. Please check once again and let me know if the problem still exists. If you are already KYC complied, then you no need to furnish fresh data. The financial institutions will update the data at the central system.

  19. Application Type, Account type (Small / Normal / Simplified). These details are “For Office use only” and must not be Filled by the individual. This is also stated in the form “(T o be filled by financial institution)” Can you clarify again, because, as per your video, it seems, it has to be filled by individuals ??

    1. Karthik-“To be filled by financial institution” is the KYC number, which they have to fill if you are an existing KYC complied investor and updating some data of KYC. But Small/Normal/Simplified need to be filled by you but not by financial institution. Please refer my video. I clearly mentioned this.

      1. Thanks for the clarification and video presentation really helps… I have one more query.. I am already KYC Compliant… Is it mandatory for me also to submit this form ? If so, any last date details available ??

        Please share info, which will be very helpful…


    1. Akshat-Your financial institute will provide that. You no need to worry. Also, the same can be downloaded (below I provided the link of the same). No, as of now you can’t fill it ONLINE.

  20. Where to submit this form ? Documents should be self attested or not ? Can I get specific number for CKYCR ? Can I get Acknowledgement ? Where I can check My CKYCR status ? I have already done KYC through Mutual Fund, then I have to do it again from CKYCR ?

    1. Amol-Whenever you are opening bank account, investing somewhere or opening demat account, then the respective financial institutes ask for this KYC. Yes, all documents must be self-attested and you must show original documents while completing KYC process. Yes, you will get the acknowledgment. You have to check it on CERSAI portal (but as of now they have not provided any links for the same). As of now there is no clarity of whether existing KYC complied investors again have to do KYC or not. But in my view, not necessary. Data will be uploaded automatically.

      1. Currently C-KYC is required for only new customers and notifications is yet to come for existing customers. Financial institutions will collect these details as part of their account opening form. Once the data is validated and uploaded to CKYC portal(will be done by financial institutions and customers cannot upload directly ) a 14 digit unique “CKYC Identifier” will be generated which will be communicated to the customers through respective banks/FI’s where the customer has opened the account. Customers can use this CKYC Identifier in future to open accounts instead of submitting all documents again.

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