Central Know Your Customer (CKYC)
Simplify your KYC process across all financial institutions with CKYC, facilitated by Harco Bank.
What is CKYC?
Central Know Your Customer (CKYC) is a centralized repository of KYC records of customers in the financial sector. Established by the Government of India, it aims to standardize the KYC process across all financial entities like banks, mutual funds, insurance companies, and stockbrokers. Once your KYC is completed and registered with CKYC, you receive a unique 14-digit CKYC Identifier. This identifier can then be used to open accounts with any other financial institution, eliminating the need to undergo the full KYC process multiple times.
Harco Bank facilitates the CKYC process for its customers, ensuring that your KYC details are securely stored and easily accessible for future financial transactions across various institutions. This initiative is a major step towards enhancing ease of doing business and promoting financial inclusion in India.
Benefits of CKYC
One-Time KYC
No need to repeat KYC process for every new financial product or service.
Time-Saving
Significantly reduces the time and effort required for opening new accounts.
Enhanced Security
Centralized and secure storage of your KYC documents, reducing fraud risks.
Interoperability
Your CKYC identifier is valid across various financial institutions.
Standardized Process
Ensures uniformity and consistency in KYC norms across the financial sector.
Improved Financial Inclusion
Makes financial services more accessible to a wider population.
How CKYC Works
Complete KYC with a Financial Institution
Initiate your KYC process with Harco Bank or any other financial institution by submitting your documents.
CKYC Registration
Once your KYC is verified, your details are uploaded to the CKYC registry.
Receive CKYC Identifier
Upon successful registration, you will receive a unique 14-digit CKYC Identifier.
Use CKYC Identifier for Future Transactions
For any subsequent financial product or service, simply provide your CKYC Identifier, eliminating repetitive KYC.
Documents Required for CKYC
Proof of Identity (POI)
- Passport
- PAN Card
- Driving License
- Aadhaar Card
- Voter's ID Card
Proof of Address (POA)
- Passport
- Driving License
- Aadhaar Card
- Voter's ID Card
- Utility Bills (Electricity, Telephone, Gas - not older than 3 months)
- Bank account statement (not older than 3 months)
Frequently Asked Questions
Experience simplified banking with CKYC!
Visit your nearest Harco Bank branch to complete your CKYC process and enjoy seamless financial services across India.
Contact UsContact US
We're here to help! Reach out to us through the following channels or find your nearest branch.
Get In Touch
Call Us
- Customer Care: 0172-2713293
- CUSTOMER CARE NUMBER FOR DIGITAL SERVICES: 0172-2713293
- Banking Contact Number: 0172-2721026 , 0172-2770823
- PS to MD Contact Number: 0172-2714520
Email Us
- General Queries: harcobank@harcobank.org.in
- Support: itcell@harcobank.org
- Feedback: md@harcobank.org.in
Our Address
- Harco Bank Head Office,
- The Haryana State Co-operative Apex Bank Ltd S.C.O. No. 78-80 Bank Square
- Sector 17-B Chandigarh-160017,India.