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

CKYCRR issues communique on KYC Search through CKYC API and Bulk Search for Account Opening

03-Dec-2025 | NA

CKYCRR has issued a communique on KYC Search through CKYC API and Bulk Search for Account Opening. Key Highlights: 1. Some reporting entities (REs) are unable to retrieve CKYC records through the search feature, even though the records show a confirmed match during upload. CKYC Search helps reporting entities check if a customer's KYC record already exists in the CKYC Registry using the CKYC number or an Officially Valid Document (OVD) number. 2. If a CKYC record already exists, customers do not need to submit KYC documents again, unless updates are required or the entity needs additional details for due diligence. The most efficient method is to integrate CKYC Search API directly into the customer onboarding system so that CKYC data flows in real time. 3. CKYC API features include: a. 0.2-second average response time b. Up to 20 API requests per second per IP c. Search results include name, father's name, age, photo, list of OVDs, and record dates. 4. Reporting entities can design their system to allow customers to enter multiple details once, and the backend can run multiple CKYC API searches automatically and merge the results into one view. 5. REs that have not integrated CKYC APIs can use SFTP bulk search by submitting one file containing multiple search parameters for the same customer, helping streamline back-end operations.

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