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Corporate Laws Central Ministry of Finance Prevention of Money-laundering Act, 2002

CKYCRR issues communique on Data Hygiene of Central KYC Records Registry (CKYCRR)

20-Nov-2025 | CKYC/2025/16

CKYCRR has issued a communique on Data Hygiene of Central KYC Records Registry (CKYCRR). Key Highlights of the communique: 1. CKYCRR already has published guidelines for maintaining the quality of KYC records, and reporting entities (REs) must follow them consistently. 2. Operating Guidelines and Technical Specifications (issued by CERSAI) define all mandatory data fields, acceptable documents, file formats, upload rules, validations, error messages, and size requirements for photographs and documents. 3. Document and image quality requirements include scanning originals, maintaining 150-200 DPI, using prescribed dimensions (200?230 pixels), and adhering to size limits (100kb for photographs, 350kb for individual KYC, 5MB for legal entities). 4. CKYCRR uses Master Lists (PIN codes, districts, states, country codes, etc.) to standardize data entry and ensure uniformity across all RE uploads. 5. Hygiene validations are in place to prevent junk or incorrect data in fields such as names, mobile numbers, and email addresses. 6. System-level validations ensure only accurate and complete KYC uploads are accepted; any record failing mandatory checks or format rules is rejected with an error message. 7. Under PML Rules, REs are fully responsible for ensuring KYC data is complete, correct, authentic, and periodically updated as required. 8. REs must use the CKYC Identifier process to seek or retrieve the CKYC number, fetch the record with customer consent, and avoid asking for documents again unless there are changes, expired documents, or enhanced due diligence requirements. For more information, please refer to the attached document.

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