A key upgrade will be full integration with DigiLocker, enabling real-time validation and verification of officially valid documents directly from issuing authorities, according to them. This is expected to streamline periodic KYC updation for customers and reduce duplication of verification across banks, insurers, mutual funds and other regulated entities. DigiLocker is a government-backed, secure cloud-based platform for storing and verifying documents and certificates. Under CKYCRR 2.0, documents uploaded by regulated entities will be authenticated directly with document-issuing authorities, officials said.
Reporting entities are currently able to search KYC records using the mobile number registered in the CKYC database, easing access and retrieval of customer records.
The upgraded registry will feature artificial intelligence (AI)-driven deduplication using photo matching, along with application programme interface (API)-based verification with permanent account number (PAN), Sarathi (driving licence) and Aadhaar databases. The system will also allow regulated entities to report, deactivate and merge duplicate KYC records, addressing a long-standing operational challenge.
“Some of these changes have already gone live, and the full roll-out is expected by the end of this month, which will further ease KYC verification and updation,” said a government official, who did not wish to be identified.
Upcoming enhancements include metadata access for financial institutions and one-time password-based customer consent authentication for data usage.
According to the latest official data, CERSAI has onboarded about 8,000 entities on the CKYC Registry and around 6,000 entities on the Security Interest Registry.In the budget for 2025-26, the government had announced plans to simplify KYC norms and introduce a streamlined mechanism for periodic updating, particularly for low-risk customers. Some measures that have been implemented since then include additional authentication factors for downloading individual and legal entity KYC records.
In November 2025, the government permitted CKYCR to perform Aadhaar-based authentication, allowing the use of Aadhaar numbers for identity verification with explicit customer consent.
Separately, state-run banks are exploring the creation of a common video-KYC hub to digitally integrate their KYC and business processes with CKYCR, enabling inter-usability of records and avoiding repeated verifications, ET had reported earlier.