How to Complete the Central KYC Registry in India?

Central Know Your Customer (CKYC) Registry is a centralized depository of KYC documents of customers availing various services of the financial sector. The KYC is a regulated process requiring certain information, documents and their subsequent verification. Hence, is ideal to fill it correctly at once.

Central KYC Registry has been introduced in order to get all the customers of financial products on a single and uniform KYC platform. With Central KYC Registry, once norms are completed centrally, all financial institutions such as, Banks Mutual Fund Company etc., can access them and use them. Now, customers do not need to complete the KYC formality separately for each financial institution. 


  • Central KYC is a 14-digit number linked with the ID proof
  • Customer’s data is safely stored in an electronic format with this Central KYC Registry
  • The documents submitted are verified by the issuer
  • All the concerned institutions are notified when there are changes in KYC details

Documents required with Central KYC Registry form

One needs to submit the following set of documents while submitting a Central KYC Registry form:

  • A self-attested copy of Proof of Identity
  • A self-attested copy of Proof of Residence
  • One photograph
  • Correctly filled and signed Central KYC form

How to fill Central KYC Registry form?

Filling a Central KYC Registry form is extremely easy but there are certain sections that require explaining and a knowledge of the formalities adhered to.

Things to keep in mind:

  • Fields mandatory to fill are marked with *
  • You have to fill the form in English Language and in uppercase letters
  • Date of birth format is DD/MM/YYYY
  • List of State and Union Territory Codes are available in the form itself

1.) You choose if you are applying for a new Central KYC or are updating your KYC account. Following which you enter your CKYC Registry 14-digit number

2.) Next, you’ll have to choose one of 3 accounts. Following are the 4 different types of Central KYC Accounts:

  • Small Account: This type of account is opened if all three of the following conditions are satisfied-The aggregate of all credits in a financial year does not exceed Rs 1,00,000; The aggregate of all withdrawals and transfers in a month does not exceed Rs 10,000; The balance at any point of time does not exceed Rs 50,000
  • Simplified Measures Account: This type of CKYC account will be opened if you submit other OVDs (officially valid documents) that are allowed as per RBI circular RBI/2015-16/42. OVD’s if the customer is unable to submit any one of the following six documents: Passport, Driver’s License, PAN Card, Voter ID, Aadhar or NREGA job card. The KYC identifier for these accounts will be prefixed by ‘L’
  • Normal Account: This type of account is opened neither of the Small or Simplified criteria. The KYC identifier for these accounts would be prefixed with ’S’
  • OTP Based e-KYC Account: This type of account is opened if you submit a photograph along with the Aadhaar PDF file downloaded from the UIDAI website, which is enabled by an OTP. The KYC identifier for these accounts would be prefixed with ‘O’  

3.) Personal Details: This is where you fill in the mandatory details

4.) FATCA Declaration: This is for customers whose Tax Jurisdiction lies outside of India. The appropriate country codes are available in the form itself

5.) Proof of Identity: Here you select either one of the six mentioned official documents as proof of identity

6.) Proof of Address: This section has three sub-sections. 4.1- is for Current/Permanent/Overseas Address. 4.2- is for Correspondence or Local Address. 4.3- is for those individuals whose Tax jurisdiction lies outside of India. One needs to note that if they submit a utility bill as proof of address, it should not be more than 2 months old 

7.) Contact Details: Here you provide your contact details

8.) Details of Related persons- One may add or delete a related person from their account. In order for deletion, the KYC number of the related person is required

9.) Remarks: Here you may add anything extra you may want to mention

10.) Now you need to mention the Date & Place. The next section is left vacant

11.) Annexure A1- This is filled if one has multiple addresses of correspondence

12) Annexure B2- This is filled if one has to mention additional related persons 

Now, your form is complete.

The Central KYC Registry has been set up to spread the culture of saving and transparent investments and is one-time process one must undergo in order to avail services of financial institutions. At Bajaj Finance, it is followed because it will help simplify any such processes or information for you. Do visit their website for accessing the fixed deposit interest calculator too. 

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