Simplify CKYC with Powerful AI Automation
Reduce errors, boost efficiency, and stay CERSAI-compliant with Hridayam Soft's end-to-end CKYC automation suite — now upgraded for CKYC 2.0 with real-time Search, Download, and Upload APIs.
What is CKYC?
CKYC (Central Know Your Customer) is a centralized KYC repository maintained by CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India) under the Prevention of Money Laundering Act (PMLA). It enables financial institutions to share a single verified KYC record across all regulated entities.
When a customer opens a bank account, demat account, insurance policy, or invests in mutual funds, the financial institution registers the customer's KYC with CERSAI. Subsequent institutions can then retrieve this record rather than collecting documents again — eliminating redundancy and accelerating onboarding.
Entities registered under RBI, SEBI, IRDAI, and PFRDA are mandated to perform CKYC compliance. Hridayam Soft's platform automates the entire lifecycle — search, download, upload, generation, and periodic revalidation — all in one integrated system.
Regulated by CERSAI
All CKYC records are governed by CERSAI under the Ministry of Finance, Government of India. Compliance is mandatory for all BFSI entities regulated by RBI, SEBI, IRDAI, and PFRDA.
Single Source of Truth
A verified KYC record uploaded once can be reused across banks, NBFCs, insurance companies, and capital market intermediaries without re-collection of documents.
Unsolicited Update Notifications
Once your institution's FI code is linked to a customer's CKYC number, you automatically receive notifications whenever the customer updates their KYC data — ensuring your records stay synchronized.
Masked CKYC Numbers (Post Jan 2025)
Since January 2025, the CKYC Search API returns a masked CKYC number (e.g., $XXXX1234$). A mandatory Download step is required to retrieve the full, unmasked number for compliance audit trails.
Upgraded for the Modern Financial Ecosystem
CERSAI's CKYCRR 2.0 is a next-generation upgrade to the existing CKYC framework — built for the fintech era, addressing limitations of the 2016 system with enhanced security, risk-based KYC, and broader accessibility for digital-first institutions.
Enhanced Data Security
CKYCRR 2.0 incorporates advanced data management with enhanced encryption, immutability features, and robust security protocols for greater trust and transparency across financial institutions.
Risk-Based KYC
Verification requirements are now tailored to individual or entity risk profiles — replacing the one-size-fits-all model with a smarter, regulation-aligned approach that reduces burden for low-risk customers.
Expanded Entity Coverage
CKYCRR 2.0 broadens scope to include corporates, legal entities, and non-traditional segments like gig workers — enabling seamless onboarding across the evolving financial landscape.
Streamlined API Integration
New API-first architecture simplifies integration with existing core banking and CRM systems, with real-time search returning results in under 0.2 seconds and supporting up to 20 concurrent requests per second per IP.
AI & ML Processing
Built-in AI/ML capabilities for deduplication, probable match resolution, face-matching, and intelligent document classification — reducing manual review cycles and improving accuracy.
Phased Rollout Compliance
Hridayam Soft's platform is actively tracking and adapting to CKYCRR 2.0 phased implementation — ensuring your institution remains compliant as each phase rolls out without disruption to operations.
Types of CKYC Accounts
CKYC supports multiple account types to accommodate different customer risk profiles, regulatory requirements, and document availability. Our platform handles all account types seamlessly.
Normal CKYC Account
The standard CKYC account for fully KYC-verified individuals with all required Officially Valid Documents (OVDs) submitted and verified. This is the most common account type for regular banking customers.
- Full KYC verification completed
- PAN, Aadhaar, or equivalent OVD required
- No transaction or balance limits
- Eligible for all financial products
Simplified CKYC Account
Designed for customers who cannot furnish standard OVDs but provide alternative documents as per RBI's simplified KYC norms. Applicable for lower-risk, financially excluded segments.
- Alternative document acceptance
- Subject to simplified due diligence norms
- Applicable for low-risk customers
- Periodic revalidation required
Small / Minimum KYC Account
Created for customers with self-declaration only — no documents submitted at the time of onboarding. Applicable under specific financial inclusion programs with restricted transaction limits.
- Self-declaration based KYC
- Subject to balance and transaction limits
- Mandatory upgrade timeline enforced
- Designed for financial inclusion schemes
OTP-Based / e-KYC Account
Enabled via Aadhaar-based OTP authentication or biometric verification. Popular for digital-first onboarding through fintech platforms, neobanks, and mobile-based onboarding journeys.
- Aadhaar OTP or biometric authentication
- Fully digital, paperless process
- Real-time UIDAI verification
- SEBI-compliant for investment products
CKYC Processing Methodology
Hridayam Soft's CKYC platform orchestrates the three core CKYC operations — Search, Download, and Upload — with intelligent automation, retry logic, and ML-powered decision-making at each step.
🔍 CKYC Search
The first step in any onboarding flow. Search the CKYC registry using a customer identifier — PAN, Aadhaar, CKYC Number, Voter ID, Driving License, or Date of Birth. The API returns a masked CKYC number (since Jan 2025) confirming record existence. Our system triggers multiple parallel searches from a single customer input for maximum match rates.
📥 CKYC Download
Once a match is found, a mandatory Download request retrieves the full, unmasked CKYC record including name, father's name, address, DOB, PAN, photo, OVD list, and record dates. Download requires authentication — DOB-based, OTP-based, or biometric. If the first attempt fails, our system auto-retries with alternate parameters (DOB variants, PIN codes) to maximize success rates.
📤 CKYC Upload / Generation
For new customers not found in the registry, our platform generates CERSAI-compliant XML files with encrypted KYC data, document images (with compression), and digital signatures. Bulk uploads are scheduled via SFTP with automated Checker approval — eliminating manual portal intervention. Probable match cases are resolved automatically using ML-based face-matching models.
🔄 Periodic Revalidation
Hridayam Soft's scheduler triggers automatic KYC revalidation at configured intervals. Unsolicited update notifications from CERSAI are captured and processed to keep your customer records current. Modification requests are raised proactively to ensure your FI code remains linked to customer CKYC numbers.
⚡ Sync Mode (Real-Time)
Financial institutions complete CKYC operations during live customer onboarding. API calls to search and download happen in real time, with the operations team handling edge cases as a fallback. Ideal for digital onboarding journeys, lending workflows, and insurance policy issuances requiring instant KYC verification. API response times under 0.2 seconds with support for 20 requests/second per IP.
📦 Batch Mode (SFTP-Based)
Bulk CKYC operations are executed via SFTP with scheduled uploads and downloads. Particularly suited for high-volume operations — bulk file generation, period-end reconciliations, and mass revalidation runs. Hridayam Soft's batch engine handles image compression, data validation, and rejection analysis automatically to achieve zero-rejection upload rates.
CKYC Search & Download APIs
Hridayam Soft exposes fully-managed REST APIs that wrap the CERSAI CKYC integration layer — so your team gets clean, structured JSON responses without dealing with XML, RSA encryption, or SFTP configurations directly.
CKYC Search API
Checks the CKYC registry for an existing customer record using one or more identifiers. Returns a masked CKYC number confirming presence of a record. Supports multiple search parameters in a single call for maximum match rate.
Search Identifiers (any one or more)
Performance Specifications
CKYC Download API
Retrieves the complete, unmasked CKYC record from CERSAI following a successful search. Requires customer authentication. Returns structured JSON with full PII, document details, and photograph. OCR can be optionally triggered on returned documents.
Authentication Types
Response Fields
Compliance Notes
Core Features of Our CKYC Platform
A fully integrated CKYC automation suite built for high-volume BFSI operations — with AI-powered extraction, real-time APIs, and zero-touch compliance workflows.
AI-Powered Document Processing
AI extracts and verifies data from scanned documents — ID proof, address proof, photographs — automatically. Multi-OVD detection identifies the best document match based on PAN, Aadhaar, DOB, Voter ID, and Driving License parameters.
CERSAI-Compliant XML Generation
Our platform generates correctly formatted, digitally signed CKYC XML files with AES-encrypted payloads and RSA-wrapped keys — fully compliant with CERSAI's CKYCR bulk upload specifications, achieving zero rejection rates.
Intelligent Duplicate Detection
Built-in deduplication mechanisms identify existing CKYC records across multiple search parameters before initiating new uploads — preventing rework, duplicate records, and the overhead of probable match resolution.
Automated Checker / Maker Workflow
The system uploads trigger files to eliminate manual Checker approval on the CKYC portal. Probable match cases — previously requiring 7-day manual review — are resolved automatically using ML-based face-matching and reconciliation models.
Core Banking & CRM Integration
Seamless API and SFTP integration with existing core banking, loan origination, and CRM systems. Our platform adapts automatically to CERSAI API changes — your tech team doesn't need to track regulatory updates manually.
Real-Time MIS Dashboard
A unified dashboard providing real-time insights into accounts opened, uploaded, approved, and rejected — with region-wise and branch-wise analytics. Success rates, failure trends, and SLA tracking are available at a glance.
Extended Benefits of Automated CKYC
Faster Onboarding
Speed up customer onboarding by up to 90% — auto-fetching verified KYC data instead of asking customers to resubmit documents.
Zero Manual Errors
AI and rule-based validation ensure CERSAI-compliant XML generation with no manual data entry — eliminating SLA breaches caused by formatting errors.
Cost Reduction
Reduce KYC processing overhead significantly. Automated workflows minimize staff time on manual reviews, data entry, and document verification.
Scalable & Secure
Cloud-ready, ISO-aligned architecture that scales effortlessly from 500 to 500,000 KYC entries per month without changes to your infrastructure.
Industries & Use Cases
Hridayam Soft's CKYC automation platform is trusted by financial institutions across the BFSI ecosystem — from large public sector banks to emerging digital-first NBFCs and fintechs.
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Email: info@hridayamsoft.com
Phone: +91-915201 7447/48/49/50
Address:
501, Thakkar Heights,
Village Road, Opposite CEAT Tyres,
Nahur West, Mumbai – 400078, India