CKYC Number: Find Your 14-Digit Central KYC Number (KIN)

Written by India Customer Care editorial team Facts checked against official sources on 31 Oct 2026 Updated 31 Oct 2026

Independent guide. We are not part of CERSAI, RBI or any bank, and we never ask for your KYC documents, account details or OTP.

CKYC stands for Central KYC. When you complete KYC at a bank, insurer or mutual fund, your record is uploaded to a central registry run by CERSAI, and you get a 14-digit CKYC number. Give that number to another institution and, with your consent, it fetches your record instead of asking for the same documents again.

Full form

Central Know Your Customer

Run by

CERSAI, authorised by the Government on 26 Nov 2015

Your number

14-digit KYC Identifier (KIN)

Find it

Missed call to 7799022129, ckycindia.in, DigiLocker or your bank

Upload deadline

Within 10 days of opening your account or policy

Update deadline

Within 7 days of the institution getting your new details

Used by

Entities regulated by RBI, SEBI, IRDAI and PFRDA

Helpdesk

022-61102592, Mon–Sat, 8 a.m.–8 p.m.

What is CKYC?

The Central KYC Records Registry (CKYCR) is one central store of the KYC records of customers across India's financial sector. Its aim is simple: you prove who you are once, and every regulated institution can reuse that proof instead of collecting and checking the same documents each time you open a new account.

The record holds your details in a common format, a photograph and scanned copies of your proof of identity and address. Only registered institutions can access it, such as banks, NBFCs, insurers, mutual funds, brokers and pension intermediaries regulated by RBI, SEBI, IRDAI or PFRDA. You can't edit it yourself.

The 14-digit CKYC number (KIN)

When your record is first uploaded, the registry gives it a unique 14-digit KYC Identifier. People also call it the CKYC number, CKYC ID or KIN. The registry checks every new upload against existing records by name, other details and identity documents, so that each person ends up with only one number.

A letter before the 14 digits tells you the record was made under relaxed rules:

Other institutions can't open accounts on the basis of an "O" record. If your number starts with S, L or O, completing full KYC at your bank lets it update the record.

How your CKYC record is created and reused

• Upload within 10 days. The institution must upload your record within 10 days of starting the relationship (opening the account or issuing the policy).
• You are told the number. Once the number is generated, the institution must share it with you. The registry also sends it by SMS or email.
• Old accounts are added at re-KYC. Banks had to upload all new individual accounts from 1 Jan 2017 (other RBI-regulated entities from 1 Apr 2017). Older accounts are uploaded when you next update your KYC.

How to find your CKYC number

Since April 2024 you can see a view-only CKYC card yourself. You need the mobile number registered in your KYC record.

1. Missed call: from your registered mobile, call 7799022129. You get an SMS link to your CKYC card.
2. Website: on ckycindia.in → View your CKYC Card, verify your mobile number with an OTP; the card link comes by SMS.
3. DigiLocker: CERSAI's operating guidelines list DigiLocker as a third way to fetch the card.
4. Look at your papers: the registry asks institutions to show the number (partly masked) on passbooks, account statements, mobile and internet banking, insurance policies and demat statements. Check the old SMS or email sent when the number was generated.
5. Ask your bank or insurer: it must give you the number once it is generated. If no number exists or your mobile isn't in the record, it can upload or update your record.

Using your CKYC number to open a new account

When you give your KYC Identifier with your explicit consent, the institution must download your record online and must not ask you to submit the same documents again, except when:

• your details have changed since the record was made;
• the record is incomplete or doesn't meet current KYC rules;
• the validity of a downloaded document has lapsed; or
• it needs to verify your identity or current address, do extra checks, or build your risk profile.

Even if you don't quote the number, an institution may search the registry for it. Before it can download your record through the system, the registry sends an OTP to the mobile number in your record, and the institution must submit it. Consent is needed every time a record is downloaded, and the registry has sent you an SMS each time your record is fetched since 13 Mar 2024.

Updating or correcting your CKYC details

You can't change your record on ckycindia.in, and the registry's helpdesk sends customers back to their institution. CERSAI told institutions on 20 May 2024 that any correction can be made only by them.

1. Go to any bank, insurer or fund house where you have an account, and ask it to update your KYC (new address, mobile, name, photo, or a mismatch on your CKYC card).
2. Give the supporting document it asks for. A self-declaration is enough for re-KYC with no change or with only an address change.
3. The institution must send the updated details to CKYCR within 7 days (the rule since 19 Jul 2024; earlier it was "as soon as possible").
4. The registry electronically informs every institution linked to your record, and each must fetch the update and refresh its own records. You don't need to repeat it everywhere.

The same route applies when a minor turns 18, when you want separate office and home addresses for different accounts, or if you suspect two records exist for you: duplicates are merged, the earliest record is kept and extra details from the duplicate are added to it.

Changes in 2024–2026

Common problems and fixes

The registry's helpdesk (for the public too) is 022-61102592 or 022-50623300, Monday to Saturday, 8 a.m. to 8 p.m., or [email protected].

Safety: protect your CKYC record

• Use only ckycindia.in (or DigiLocker) to see your card. Type the address yourself.
• Your CKYC record is updated only through your bank or other institution, so a call or link asking you to "update CKYC" is a red flag. Check with your bank through its official website or branch.
• Don't post your CKYC card or number online, and don't send copies of your documents to unknown people.
• Keep your mobile number current with your bank, so download alerts reach you.
• Lost money? Call 1930 or report on cybercrime.gov.in at once, and tell your bank.

History of CKYC

1. 7 Jul 2015

   Amendment to the Prevention of Money-laundering (Maintenance of Records) Rules provides for a Central KYC Records Registry and the 10-day upload rule.

2. 26 Nov 2015

   The Government authorises CERSAI to act as the registry (S.O. 3183(E)).

3. 15 Jul 2016

   Live run begins, in phases, with new individual accounts.

4. 1 Jan 2017

   Banks must upload all new individual accounts; other RBI-regulated entities from 1 Apr 2017.

5. 1 Apr 2021

   Records of companies, firms and other legal entities added.

6. 19 Jul 2024

   Rules amended: no repeat documents when the number works; updates within 7 days.

7. Nov 2026

   CKYCR 2.0 due tentatively in the first week.

FAQs