CKYC Processing Automation — CERSAI Compliant, CKYC 2.0 Ready
Manual CKYC processing is slowing your customer onboarding — and creating compliance risk with every delay.
CKYC compliance is mandatory for every entity regulated under RBI, SEBI, IRDAI, and PFRDA. The process involves searching the CERSAI registry, downloading full records for matched customers, uploading new KYC data for unmatched ones, and periodically revalidating existing records. Done manually, each step is time-consuming, error-prone, and increasingly non-compliant as CERSAI's systems evolve. Our CKYC Processing service automates the entire lifecycle — real-time search in 0.2 seconds, automated download with retry logic, bulk upload via SFTP, and scheduled revalidation — all in one integrated platform now upgraded for CKYC 2.0.
Get In TouchWhat our CKYC Processing service delivers
CKYC Search API
Real-time search across 70Cr+ CERSAI records using PAN, Aadhaar, Voter ID, Driving License or Date of Birth. Response in under 0.2 seconds. Masked CKYC number returned per Jan 2025 CERSAI update.
CKYC Download
Retrieves full unmasked CKYC record with name, address, DOB, PAN, photo and OVD details. Auto-retry with alternate parameters if first attempt fails — maximising match rates.
Bulk CKYC Upload
Generates CERSAI-compliant XML with encrypted KYC data, document images, and digital signatures. Bulk SFTP uploads with automated Checker approval eliminate manual portal intervention.
Periodic Revalidation
Automated scheduler triggers KYC revalidation at configured intervals. Unsolicited CERSAI update notifications are captured and processed to keep customer records current.
CKYC 2.0 Ready
Fully upgraded for CKYCRR 2.0 — enhanced encryption, AI/ML-based face-matching for probable match resolution, expanded entity coverage including corporates and legal entities.
4 Account Types
Supports Normal, Simplified, Small/Minimum KYC, and OTP/e-KYC account types. Each handled with appropriate verification methodology and compliance controls.
Who uses this service
Frequently asked questions
What is the difference between ShareDocs CKYC Automation and the CKYC Processing Service?
ShareDocs CKYC Automation is a module within the ShareDocs Enterpriser ECM platform — it integrates CKYC workflows into your document management system so loan files and KYC documents are automatically linked and tracked. The CKYC Processing Service is a standalone API and SFTP-based service for institutions that need direct CERSAI integration without the full ECM platform — covering Search, Download, Upload and periodic revalidation as an independent managed service.
Is this service ready for CKYC 2.0?
Yes. Our platform is fully upgraded for CKYCRR 2.0 including enhanced encryption, AI/ML-based face-matching for probable match resolution, expanded entity coverage for corporates and legal entities, and API-first architecture. We track CKYC 2.0 phased rollout dates to ensure zero disruption to your operations.
What is the API response time?
The CKYC Search API returns results in under 0.2 seconds with support for up to 20 concurrent requests per second per IP in sync mode. SFTP-based batch mode handles high-volume operations with scheduled uploads and downloads.
How does your service handle probable matches?
Probable match cases — where the CERSAI registry returns a partial match — are resolved automatically using ML-based face-matching models that compare submitted photo against the registry record. This eliminates manual probable match queues and significantly improves onboarding turnaround time.
Ready to automate your CKYC processing?
Get in touch with our team for API credentials, integration support and pricing.