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CKYC API

Arya.ai’s CKYC API enables seamless integration with the Central KYC (CKYC) registry via CERSAI. Using just a customer identifier, you can effortlessly retrieve, parse, and manage CKYC records, empowering financial institutions to onboard users without re-collecting KYC documents.

Try the API

The CKYC API is a real-time integration layer between your system and India’s centralized KYC repository (CERSAI). It allows organizations to fetch KYC records using a CKYC number, PAN, Aadhaar, or other identifiers, reducing redundancy and improving compliance.

Fetches KYC data using CKYC number or ID proof
Retrieves documents like photos, address proof, signature, and more
Parses and returns structured information ready for onboarding or compliance

The CKYC API is ideal for any business that requires KYC verification, especially those regulated by RBI, SEBI, IRDAI, or PFRDA.

Banks and NBFCs
Insurance providers
Mutual fund platforms
WealthTech and FinTech apps
Lending and credit scoring platforms
Stockbrokers and trading apps

Input an identifier (CKYC number, PAN, or Aadhaar). The API fetches the customer’s CKYC record from CERSAI, parses relevant fields, and returns the structured data.

Input: CKYC number / PAN / Aadhaar
Backend: Connects to CERSAI CKYC repository
Output: JSON containing parsed CKYC data and attached documents

A Smarter Way To AI Adoption

Real-Time CKYC Lookup

Instantly fetch KYC records using a CKYC number or alternate identifiers.

Auto-Tagging & Parsing

Automatically identifies and filters key fields like name, address, ID proof, signature, and photo.

Aadhaar Masking Support

Optional integration with Aadhaar Masking API to comply with UIDAI masking rules.

Handles Tech Changes at CERSAI End

Our module adapts to CERSAI API changes, so you don’t have to.

Arya APIs Empower Axis Bank to Redefine KYC Workflows

Axis Bank streamlined its KYC workflows with Arya AI’s automated document classification and extraction APIs, achieving a 60-65% reduction in operational Cost

Real-World Applications

Digital Account Opening

Speed up customer onboarding by auto-fetching KYC data instead of asking for documents again.

Loan Origination

Verify applicant KYC records during loan disbursal for individuals and legal entities.

Insurance KYC

Validate policyholders using CKYC search to simplify onboarding.

Investment Onboarding

Retrieve and verify KYC for activation of mutual fund, PMS, or equity account.

Re-KYC Automation

Check and update CKYC records during periodic KYC refreshes.

Fraud & Risk Monitoring

Cross-check existing KYC records with CKYC registry for authenticity.

Why Our Customers Prefer Apex by Arya AI

Plug & Play AI APIs

Ultra Low Latency Output

ISO & GDPR Certified

No Data Storage

Zero Set-up costs

Pay Per Use

Your Vision, Our AI: Endless Possibilities

From automating critical processes to enhancing customer interactions, we do it all!

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For Developers

Plug-and-play APIs designed for fast integration, minimizing development effort and maximizing productivity.

Detailed Documentation

Comprehensive documentation to simplify integration and implementation.

SDKs & Libraries

Access resources that eliminate the need to build functionalities from scratch.

Interactive Tutorials & Sandbox

Test API functionalities in a risk-free, simulated setting.

24/7 Technical Support

Round-the-clock support so you have assistance whenever challenges arise.

How we drive customer value

Working with Arya.ai has provided MSIG Life with great support. Their AI applications have been integrated into our operations, addressing key challenges with production-ready models that have made a significant impact. Arya.ai's AI capabilities have helped us enhance our processes, improve security, and increase efficiency across our workflows.
Deekshith and his team have been responsive and have assisted us in streamlining our operations and enhancing the customer experience, enabling us to scale effectively.

Michael Kohan

Head of Digital Solutions

Our Team is greatly thankful for the Bank Statement Analyser of Arya AI. Before using the bank analyser, we had a hard time converting large statements, passbooks and different formats across various banks into tangible insights. But with Arya now, we can generate a speedy report.

Faria Rose Santiago

Co-founder & CEO

Using Arya APIs, we have automated the process of data extraction from KYC submissions as well as Transaction documents along with translation of certain ID proof(s) originally provided in foreign languages, which has greatly eased the operational workload on our team & also saved us on processing time which in turn enhances our overall customer experience.

Vice President Technology

Axis Bank

Appreciate the support we got from Arya in seamlessly processing lakhs of API hits daily. Arya team's expertise provided for excellent guidance and recommendations to help improve the process for large scale integrations. We were able to make this go live in record time of nearly a month. The quality of the work and unwavering dedication brought to the table by Deekshith and team is much appreciated.

Shammi Kapoor

SVP Business Operations

With Arya’s Face Verification and Passive Face Liveness Detection API, we’ve improved the security on our FinTech platform for user verification during transactions. Our Vulnerability to fraud due to identification errors has already reduced by 98% within just six weeks of integrating these APIs. This new process has helped us provide an amazing user experience. Kudos to Arya AI team for ground breaking technology that is making a real good impact on our business.

Sagar Singhal

Co Founder & CEO

Using Arya APIs, we have automated the process of data extraction from KYC submissions as well as Transaction documents along with translation of certain ID proof(s) originally provided in foreign languages, which has greatly eased the operational workload on our team & also saved us on processing time.

Vice President Technology

Axis Bank

+360%

More repayments in past 12 months

Read full story

Our Team is greatly thankful for the Bank Statement Analyser of Arya AI. Before using the bank analyser, we had a hard time converting large statements, passbooks and different formats across various banks into tangible insights. But with Arya now, we can generate a speedy report.

Faria Rose Santiago

Co-founder & CEO

+360%

More repayments in past 12 months

Read full story

With Arya’s Face Verification and Passive Face Liveness Detection API, we’ve improved the security on our FinTech platform for user verification during transactions. Our Vulnerability to fraud due to identification errors has already reduced by 98% within just six weeks of integrating these APIs. This new process has helped us provide an amazing user experience. Kudos to Arya AI team for ground breaking technology that is making a real good impact on our business.

Sagar Singhal

Co-founder & CEO

+360%

More repayments in past 12 months

Read full story

Appreciate the support we got from Arya in Seamless processing lakhs of API hits daily. Arya's team expertise provides for excellent guidance and recommendations to help the process for large scale integrations. we were able to make this go live in a record time of nearly a month. The quality of the work and unwavering dedication brought to the table by Deekshith and the team is much appreciated.

Shammir Kapoor

SVP Business Operations, TATA AIG General Insurance

+360%

More repayments in past 12 months

Read full story

Using Arya APIs, we have automated the process of data extraction from KYC submissions as well as Transaction documents along with translation of certain ID proof(s) originally provided in foreign languages, which has greatly eased the operational workload on our team & also saved us on processing time.

Vice President Technology

Axis Bank

+360%

More repayments in past 12 months

Read full story

Our Team is greatly thankful for the Bank Statement Analyser of Arya AI. Before using the bank analyser, we had a hard time converting large statements, passbooks and different formats across various banks into tangible insights. But with Arya now, we can generate a speedy report.

Faria Rose Santiago

Co-founder & CEO

+360%

More repayments in past 12 months

Read full story

With Arya’s Face Verification and Passive Face Liveness Detection API, we’ve improved the security on our FinTech platform for user verification during transactions. Our Vulnerability to fraud due to identification errors has already reduced by 98% within just six weeks of integrating these APIs. This new process has helped us provide an amazing user experience. Kudos to Arya AI team for ground breaking technology that is making a real good impact on our business.

Sagar Singhal

Co-founder & CEO

+360%

More repayments in past 12 months

Read full story

Appreciate the support we got from Arya in Seamless processing lakhs of API hits daily. Arya's team expertise provides for excellent guidance and recommendations to help the process for large scale integrations. we were able to make this go live in a record time of nearly a month. The quality of the work and unwavering dedication brought to the table by Deekshith and the team is much appreciated.

Shammir Kapoor

SVP Business Operations, TATA AIG General Insurance

+360%

More repayments in past 12 months

Read full story

Working with Arya.ai has provided MSIG Life with great support. Their AI applications have been integrated into our operations, addressing key challenges with production-ready models that have made a significant impact. Arya.ai's AI capabilities have helped us enhance our processes, improve security, and increase efficiency across our workflows.
Deekshith and his team have been responsive and have assisted us in streamlining our operations and enhancing the customer experience, enabling us to scale effectively.

Michael Kohan

Head of Digital Solutions

+360%

More repayments in past 12 months

Read full story

Your Go-To Resource Center for AI Insights

CKYC - Conquering KYC

Everything you need to know about CKYC - Features, Benefits and How it Works

The Power of Automated KYC Verification: How Arya APIs CKYC API is Making a Difference

A Comprehensive Guide

Everything You Need to Know About CKYC API

KYC compliance is essential but often manual and repetitive. Arya.ai’s CKYC API eliminates redundancy by connecting directly to India’s centralized KYC database, enabling organizations to fetch verified documents with a single identifier.

Features of a Good CKYC Integration API

Real-time lookup with PAN, Aadhaar, or CKYC number
Automatically tags and parses required fields
Supports Aadhaar masking and other compliance features
Scalable and secure for high-volume integrations

Applications of CKYC API

Banking: Instantly verify new customer records.
Lending: Reduce fraud during credit underwriting.
Insurance: Onboard customers without fresh KYC collection.
Investments: Pre-fill KYC details for mutual fund or stock investing.
Financial Aggregators: Power onboarding flows using government-verified data.

Table of Contents

CKYC API

A Smarter Way To AI Adoption

Real-Time CKYC Lookup

Auto-Tagging & Parsing

Aadhaar Masking Support

Handles Tech Changes at CERSAI End

Arya APIs Empower Axis Bank to Redefine KYC Workflows

Real-World Applications

Digital Account Opening

Loan Origination

Insurance KYC

Investment Onboarding

Re-KYC Automation

Fraud & Risk Monitoring

Why Our Customers Prefer Apex by Arya AI

Your Vision, Our AI: Endless Possibilities

For Developers

Detailed Documentation

SDKs & Libraries

Interactive Tutorials & Sandbox

24/7 Technical Support

How we drive customer value

Your Go-To Resource Center for AI Insights

A Comprehensive Guide

Everything You Need to Know About CKYC API

Features of a Good CKYC Integration API

Applications of CKYC API

Frequently Asked Questions

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