What is CKYC - How to do CKYC - Required for Insurance plans

 

What is CKYC  - Do CKYC Online

The Central KYC (CKYC) initiative was introduced by the Indian government to simplify the Know Your Customer (KYC) process for financial institutions. It enables customers to maintain a centralized repository of their KYC details, making it easier to access and manage these details across various service providers.

Here’s a very simple step-by-step guide on how to complete the CKYC process online.

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Step 1: Understand CKYC Requirements

Before you start the CKYC process, it’s essential to gather the necessary documents. You will typically need:

• Identity Proof: Aadhar card, Passport, Voter ID, or any other government-issued ID.

• Address Proof: Aadhar card, Utility bill, Passport, etc.

• Photograph: Recent passport-sized photo.

• Additional Documents: Depending on the institution, you may need additional documents like a PAN card or income proof. 

Step 2: Visit the CKYC Portal 

To begin the online CKYC process, visit the official CKYC website. The Central Registry of Securitisation and Asset Reconstruction and Security Interest of India (CERSAI) manages the CKYC registry. Here’s the link to the portal:

• CKYC Portal: https://www.ckycindia.in

Step 3: Register on the CKYC Portal

1. Click on "Register": On the homepage, look for the option to register.

1. Fill in the Form: You will need to provide your basic details such as your name, email ID, mobile number, and date of birth.

1. Submit the Form: After filling in the required fields, submit the registration form.

Step 4: Verification Process

After registration, the portal will send a verification link to your email or an OTP (One Time Password) to your mobile number. Click on the link or enter the OTP to verify your account.

Step 5: Log In to Your Account

 Once verified, log in to your CKYC account using your registered email ID and password. This will take you to your dashboard.

 

Step 6: Fill Out the CKYC Application Form

1. Select "CKYC Application": From your dashboard, look for the option to fill out the CKYC application form.

1. Provide Personal Details: Fill in all required fields, including your personal information, contact details, and address.

1. Upload Documents: Upload scanned copies of the required documents (identity proof, address proof, photograph, etc.) in the specified formats (usually PDF or JPEG).

1. Review Information: Double-check all the information provided to ensure accuracy.

Step 7: Submit the Application

Once you are satisfied with the information entered, submit your application. You will receive an acknowledgment receipt containing a unique CKYC identifier.

Step 8: Wait for Processing

The processing time for CKYC applications can vary. Generally, it may take a few days to a couple of weeks. You can check the status of your application on the CKYC portal by entering your CKYC identifier.

Step 9: Receive CKYC Number

Once your application is processed, you will receive your CKYC number via email or SMS. This number is essential for all future KYC requirements across financial institutions.

• Customer support through the contact details available on the website. 

By the above given steps, you can easily register and maintain your KYC information in a secure, centralized manner. Make sure to keep your documents handy and follow the instructions carefully for a smooth experience.

 

Nowadays, CKYC is required for all fresh insurance logins. Completing the CKYC process online is straightforward and helps streamline your financial transactions across various institutions.