Central KYC Registry
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Central KYC Registry: Everything You Need to Know

A single KYC record for all your financial needs

Why CKYC Matters for Future Loans

The Central KYC Registry (CKYCR) is a Government of India initiative that safely stores your KYC details in one place. Once your KYC is registered, you receive a 14-digit CKYC number (your CKYC ID), which can be used across any bank and financial institution (including Varthana) without submitting your documents again.

Completing your CKYC makes your loan application and verification process simpler, faster, and hassle-free. Whether you apply for a School Loan, renew an existing one, or use services from other financial institutions, CKYC ensures that your identity verification is smooth at every step.

Key Benefits For You

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Submit KYC
Documents Only Once

Once you have a CKYC ID, most institutions will not ask for your KYC documents again.

reduced-paperwork
Reduced
Paperwork

Your details stay in the national CKYC system, reducing repeated paperwork and speeding up verification.

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Works Across All
Financial Institutions

Banks, NBFCs, insurance companies, and mutual funds accept your CKYC number.

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Secure & Verified
by the Government

Your details are maintained under CERSAI, ensuring authenticity and privacy.

How to Get Your CKYC Identifier

You can check your CKYC number by:

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Giving a missed call to 7799022129 to receive your CKYC details

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Visiting your bank or financial institution to verify your CKYC status

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Checking your account-opening documents, where your CKYC ID is listed

If you’re applying for a loan with Varthana and don’t have a CKYC ID, we’ll help you complete it during your application.

Contact Us for Support

How CKYC Works When You Apply With Varthana

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Step 1

You share your KYC documents during the loan application

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Step 2

We verify and upload details to the CKYC system (if not already available)

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Step 3

You receive a 14-digit CKYC
number

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Step 4

This CKYC number helps speed up all future verifications

Documents Required for CKYC Registration

You only need to submit these documents once:

passport

A valid identity proof such as Aadhaar, PAN, Voter ID or Passport

document

A current address proof like Aadhaar, utility bills, Passport or similar documents

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A recent passport-size photograph for completing verification

Frequently Asked Questions

  • Is CKYC mandatory?

    Yes, CKYC is mandatory for most financial transactions, including loans.

  • What if I already have CKYC?

    Share your CKYC number with Varthana. You don’t need to resubmit documents unless they need an update.

  • Is CKYC the same as Aadhaar KYC?

    No. CKYC is a centralised government database that works across all financial institutions.

  • What if my details have changed?

    You can update your CKYC through Varthana by submitting the latest documents.

  • How do I check my CKYC number?

    You can easily check your CKYC number and status online through your current financial institution. Simply follow these steps:

    1. Visit one of the authorised portals (such as www.karvykra.com or www.cvlkra.com ). Currently, Karvy and Central Depository Services Limited provide the CKYC check facility.
    2. Enter your PAN.
    3. Complete the security/CAPTCHA verification.
    4. Your CKYC status and details will appear on the screen.

    You can also contact the financial institution where you originally submitted your CKYC documents - they can help you retrieve your CKYC number as well.

Your CKYC number makes your loan journey with Varthana faster and smoother.

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