How-to CKYC KYC

How to do CKYC verification for mutual funds in India

From WebNotes, a public knowledge base. Last updated 19 May 2026. Reading time ~6 min.

Procedure

Locate your CKYC numberIf you have completed KYC for any bank, insurance, or financial-services account since 2017, you likely have a CKYC record. Find your 14-digit CKYC number on the welcome letter from your bank, on your insurance policy KYC certificate, or via the CERSAI portal (ckycindia.in) by entering PAN and date of birth.
Open the AMC or direct-plan platformNavigate to Zerodha Coin, Groww, Kuvera, ET Money, or the AMC direct portal.
Choose CKYC as KYC methodOn the KYC screen, select Use existing CKYC or Provide CKYC number.
Enter the 14-digit CKYC numberThe platform queries CERSAI to fetch your existing KYC record: name, address, photograph, date of birth, signature.
Verify auto-populated detailsReview the data fetched from CERSAI. Update only if material change has occurred since the original KYC.
Complete FATCA declarationConfirm your tax residency status per the FATCA / CRS framework.
Link bank accountProvide bank details for transactions. The platform may perform penny-drop verification.
Onboarding completeThe CKYC-based onboarding is now complete. You can subscribe to any SEBI-registered mutual fund scheme.

CKYC (Central KYC) verification is the fastest mutual fund onboarding path for Indian investors who have completed KYC at any other financial-services institution (bank, insurance, NPS, broker) since the CKYC framework’s introduction in 2017. The 14-digit CKYC number maintained by CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India) enables one-time KYC propagation across SEBI, IRDAI, RBI, and PFRDA-regulated entities.

This guide explains the procedure to use your existing CKYC for mutual fund onboarding.

Conflict-of-interest disclosure. This guide is published by WebNotes Editorial Team for informational purposes. No commercial relationship with CERSAI, AMCs, or platforms; no affiliate commission earned.

Step-by-step procedure

See the procedure infobox above for the canonical step list. The expanded notes below cover edge cases.

Locating your CKYC number

Common places to find it:

Welcome letter from your bank when you opened an account (2017 or later).
Insurance policy KYC certificate.
NPS account opening kit.
CERSAI lookup at ckycindia.in (requires PAN and DOB).

If you cannot find your CKYC number, use eKYC Aadhaar OTP instead, and a new CKYC record will be generated.

CKYC vs other KYC paths

Per CKYC (mutual fund) reference:

CKYC propagates across SEBI, IRDAI, RBI, PFRDA.
KRA ecosystem is SEBI-specific.
eKYC Aadhaar OTP creates new KYC if you have none.
Video KYC is the higher-rigour alternative.

What can go wrong

External references

References

PMLA framework and CKYC mandate (Prevention of Money Laundering Act 2002).
SEBI Master Circular on KYC, October 2023.
AMFI Best Practice Guidelines on KYC.

Reviewed and published by

WebNotes Editorial Team

The WebNotes Editorial Team covers Indian capital markets, payments infrastructure and retail investor procedures. Every article is fact-checked against primary sources, principally SEBI circulars and master directions, NPCI specifications and the official support documentation published by the intermediary in question. Drafts go through a second-pair-of-eyes review and a separate compliance read before publication, and revisions are tracked against the SEBI and NPCI rule changes referenced in the methodology section.

Last reviewed: 19 May 2026
Conflicts of interest: WebNotes is independent. No relationship with any broker, registrar or bank named in this article.

Time required	Under 3 minutes
Prerequisite	Existing CKYC record (14-digit number)
Where it works	All SEBI-registered AMCs and platforms