Guest Author: Anushika Singhal, Banking Professional
Published on: November 2025
In India’s digital banking system, completing KYC is mandatory — but did you know you can now download CKYC number online in just minutes? The Central KYC (CKYC) system lets you access your verified KYC details and use the same number for new bank or trading accounts without submitting documents again.
Table of Contents
Introduction: CKYC Means
In India’s digital banking ecosystem, CKYC (Central Know Your Customer) has become the cornerstone of paperless verification. Instead of repeating the same identity and address proof process for every new bank, mutual fund, or trading account, you can now rely on one verified record — your Central KYC.
Managed by the Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI), CKYC aims to make financial onboarding faster, safer, and completely digital.
What Is CKYC Number ?
The CKYC number, or Central KYC Identification Number (KIN), is a unique 14-digit code assigned to every individual after completing the Central KYC process in India. It serves as a single identity reference for banks, mutual funds, insurers, and brokers, helping you open new financial accounts without repeating the KYC verification process.
Why CKYC Matters
| Benefit | Description |
|---|---|
| Single KYC for All Institutions | One-time verification for banks, mutual funds, insurers, and brokers. |
| Unique 14-Digit KIN | Each verified customer gets a 14-digit KYC Identification Number. |
| No Repeated Paperwork | Open new financial accounts instantly using the same KYC record. |
| Secure Storage | All verified documents are stored in CERSAI’s central registry. |
| Regulator Approved | Works with RBI, SEBI, IRDAI, and PFRDA-regulated entities. |
How to Download CKYC Number Online (Step-by-Step Guide)
Your CKYC card is your verified digital ID proof. If your KYC is already completed with any financial institution, downloading it takes less than five minutes.
Step 1: Visit the Official Portal
Go to https://www.ckycindia.in/kyc/getkyccard
Step 2: Enter Your Registered Mobile Number
Use the number linked to your bank or financial account during KYC.
Step 3: Complete the Captcha
Enter the displayed captcha code and click Submit.
Step 4: Verify via OTP
An OTP (One-Time Password) will be sent to your registered mobile. Enter it to confirm your identity.
Step 5: Receive Your CKYC Card Link
After OTP verification, you’ll receive an SMS link to download or view your CKYC card (PDF).
The CKYC card displays your name, date of birth, KIN number, and verified KYC details.
Expert Insight: A Banker’s Tip on CKYC
“If someone has already opened a bank account anywhere in India and their CKYC is completed, they can directly download the CKYC card from the official Central KYC Records Registry portal. Just enter your registered mobile number, verify the OTP, and you’ll receive an SMS link to open your CKYC card instantly. The same CKYC number can then be used for opening another bank or trading account without resubmitting any documents.”
— Anushika Singhal, Banking Professional (as shared with TechMitra)
How CKYC Simplifies Opening New Accounts
Once your CKYC is uploaded, your 14-digit KIN lets any authorized bank, broker, or insurer fetch your details directly.
That means no more photocopies or multiple KYC updates — you simply provide consent using your CKYC number, and verification is done instantly.
Stay Safe: Official Only!
Always use the official CKYC website (
ckycindia.in).Never share your OTP or personal data over calls or SMS.
Keep your CKYC card PDF secure; it holds sensitive identity details.
Quick FAQs
Q1. Is my CKYC already done?
If you opened a bank, mutual fund, or Demat account in recent years, it’s likely complete. Try downloading your CKYC card using your registered mobile number.
Q2. Can I update my CKYC online?
No — updates must be made through the institution where you originally did KYC.
Q3. Can CKYC replace Aadhaar verification?
No, CKYC is a separate centralized database, though it may contain Aadhaar details if used during verification.
Summary
CKYC has revolutionized how Indians manage financial identity. It streamlines onboarding, strengthens security, and saves time — all with a single KIN.
If your KYC is complete, download your CKYC card today from the official CKYC portal :
https://www.ckycindia.in/kyc/getkyccard
About The Author
Anushikha Singhal
Anushika Singhal is a seasoned banking professional with over 7 years of experience in the Indian financial sector. She specializes in retail banking operations and customer KYC compliance. Through this guest post, she shares her hands-on knowledge to help readers easily access their CKYC records online.
