How to Get CKYC Number Online in India | How to Check CKYC Number | How to Download CKYC Card
Find your 14-digit CKYC Number (KIN), understand CKYC, and know what to do if your CKYC is not found.
What Is CKYC?
CKYC stands for Central Know Your Customer. It is a centralised KYC system that stores customer KYC records so that the same KYC information does not have to be submitted repeatedly when a customer starts another financial relationship.
For example, if you have completed KYC while opening a bank account or using another financial service, your KYC record may be registered with CKYCRR. Once a CKYC record exists, eligible financial institutions can use the CKYC record for KYC purposes, subject to applicable authentication, consent and regulatory requirements.
What Is a CKYC Number?
A CKYC Number is a unique 14-digit KYC Identification Number (KIN) associated with an individual’s CKYC record.
Important: Do not confuse your CKYC Number with your Aadhaar Number, PAN Number, bank account number or customer ID. They are different identifiers.
Can I Create a CKYC Number Myself Online?
No. In normal circumstances, you do not simply visit a website and generate a CKYC number yourself.
When you complete KYC with a participating financial institution, the institution submits the KYC record to the Central KYC Records Registry. After the record is registered, a unique KIN/CKYC identifier is associated with that record.
How to Get CKYC Number Online?
If your KYC has already been registered, there are several practical ways to retrieve your CKYC information. The exact method available to you can depend on the financial institution and the services it provides.
Method 1: Check Your Existing Bank or Financial Institution
This is one of the most reliable methods if you already have a bank account, investment, insurance policy, loan or other financial relationship.
- Log in to your bank or financial institution’s official mobile app or internet banking.
- Look under Profile, KYC, Personal Details, Account Details or a similar section.
- Check whether a CKYC / KIN / CKYC Identifier is displayed.
- If it is not displayed, contact the institution through its official customer-care or branch channel.
Method 2: Use the CKYC Card Retrieval Facility Where Available
Some financial institutions provide a facility to retrieve a CKYC Card using the customer’s registered mobile number.
For example, UCO Bank currently publishes a missed-call facility at 7799022129 for fetching a CKYC Card. This is a bank-specific facility, so users should verify the number on the bank’s official website before using it.
Method 3: Contact the Bank or Institution That Completed Your KYC
If you cannot find the number online, contact the institution where your KYC was originally completed.
You can say:
The institution can check the relevant KYC record using its authorised CKYC facilities. CKYCRR’s operating guidelines describe search and download functionality for reporting entities using a CKYC identifier or valid identification details, along with authentication factors.
Method 4: Check Your SMS and Email
When your CKYC record is created or updated, communications relating to CKYC may be sent through registered communication channels depending on the process followed by the reporting institution.
Search your SMS and email inbox for terms such as:
Also check old messages from your bank, mutual fund company, insurance company or other financial institution.
Method 5: Ask Your Mutual Fund, Insurance or Investment Provider
If you have never checked CKYC through your bank, remember that CKYC may also be associated with KYC completed for other regulated financial services.
For example, if you completed KYC while starting a mutual fund investment or insurance relationship, contact that provider through its official support channel and ask whether your CKYC/KIN is available.
Method 6: Visit Your Bank Branch or Financial Institution
If your mobile number has changed, you cannot receive authentication messages, or your CKYC details are not available through digital channels, visiting the institution that holds your KYC record can be the simplest solution.
Carry your original identification and KYC documents as requested by the institution. The institution can check whether your KYC record exists and guide you on retrieval or updating the record.
How to Download CKYC Card?
A CKYC Card can contain information associated with your CKYC record. The exact retrieval process depends on the authorised channel being used.
- Use an official bank/financial institution CKYC retrieval facility where available.
- Authenticate using the required registered mobile number or other permitted verification method.
- Follow the secure link or instructions provided by the authorised service.
- Download the CKYC Card if the service provides it.
- Check the card for your 14-digit CKYC/KIN.
What If My CKYC Number Is Not Found?
If your CKYC number cannot be found, do not immediately assume that something is wrong. There can be several reasons.
| Possible Reason | What You Can Do |
|---|---|
| KYC record has not been registered | Contact the institution where you completed KYC. |
| Mobile number is outdated | Update your registered mobile number through the authorised institution. |
| KYC details do not match | Ask the reporting institution to verify/update your KYC record. |
| You are checking an unofficial service | Use the official institution’s website/app or branch. |
CKYC vs KYC – What Is the Difference?
| KYC | CKYC |
|---|---|
| Know Your Customer verification process | Centralised KYC record system |
| Can be performed by a financial institution | KYC record is maintained in the Central KYC Records Registry |
| Does not itself mean you have a CKYC number | Provides a unique KIN/CKYC identifier when the record is registered |
Benefits of CKYC Number
One KYC Record
Your KYC information can be maintained in a central registry.
Less Repetition
Eligible institutions can use the CKYC record instead of repeatedly collecting the same KYC information, subject to applicable rules.
Easy Identification
The 14-digit KIN identifies your CKYC record.
Useful for Financial Services
It can be used in KYC-related processes with participating regulated financial institutions.
Where Is CKYC Used?
CKYC is relevant to KYC processes across financial services. Depending on the institution and applicable regulations, CKYC can be relevant when dealing with:
- Bank accounts
- Loans and NBFC services
- Mutual funds
- Insurance
- Demat and investment accounts
- Other regulated financial products and services
CKYCRR guidelines allow authorised reporting entities to search for an existing KYC record and retrieve it through prescribed processes.
Important Safety Tips While Checking CKYC
- Use only official bank, financial institution or authorised CKYC-related channels.
- Never give your OTP to a stranger.
- Never share your UPI PIN or ATM PIN.
- Do not install unknown APK files sent through WhatsApp or Telegram.
- Do not provide Aadhaar/PAN details to an unknown website just because it claims to provide CKYC search.
- Before using a missed-call service, verify the number on the official website of the concerned institution.
- Keep your mobile number and KYC information updated with your financial institution.
Frequently Asked Questions About CKYC
1. What is a CKYC Number?
A CKYC Number, officially known as a KIN or KYC Identification Number, is a unique 14-digit identifier associated with your registered CKYC record.
2. Can I get CKYC Number online?
You can retrieve an existing CKYC number through an authorised digital facility offered by your bank or financial institution where available. However, you normally do not create the CKYC number yourself; it is generated when your KYC record is registered with CKYCRR.
3. Is CKYC Number the same as PAN Number?
No. PAN and CKYC are completely different. PAN is issued by the Income Tax Department, while CKYC/KIN identifies your centralised KYC record.
4. How many digits are there in CKYC Number?
A CKYC/KIN for an individual is a unique 14-digit identifier.
5. I have a bank account. Do I automatically have CKYC?
Not necessarily. It depends on whether your KYC record has been registered with CKYCRR. If you are unsure, ask your bank or the institution that completed your KYC.
6. Can I have two CKYC Numbers?
A CKYC record is intended to provide a central KYC identity. If you discover duplicate or incorrect records, contact the relevant financial institution and ask them to check the CKYC record rather than trying to create another number yourself.
7. What should I do if my CKYC details are wrong?
Contact the financial institution that maintains or submitted your KYC record and request verification/update of the information. CKYCRR operating guidelines provide for KYC update processes when customer information changes or requires correction.
Final Words
If you are searching for your CKYC Number online, remember that the CKYC number is normally created as part of the KYC registration process rather than manually generated by the customer. It is a 14-digit KIN linked to your central KYC record.
The easiest option is usually to check your existing bank or financial institution’s app, website, messages or customer-support channel. If an institution offers a CKYC Card retrieval facility, use only the details published on its official website. If online retrieval does not work, contact the institution where you completed KYC.
