CKYC - Secured - Download - API - Ver1.1 Wef 03jan2020

Central KYC Registry
Secured Download API Document

Version 1.1
Central KYC Registry | Secured Download API Document
Table of Contents
Table of Contents ............................................................................................................................................. 2

1.1 Introduction ............................................................................................................................................... 3
1.2 Request ...................................................................................................................................................... 3
1.2.1 Client side:- ......................................................................................................................................... 3
1.2.2 Request format:- ................................................................................................................................. 4
1.3 Response .................................................................................................................................................... 4
1.3.1 Client side:- ......................................................................................................................................... 5
1.3.2 Response Format:- .............................................................................................................................. 5
2.1 Web Services Details ................................................................................................................................ 16
2.1.1 Request Parameters .......................................................................................................................... 16
2.1.2 Response Parameters ........................................................................................................................ 16
2.1.3 Error Messages.................................................................................................................................. 34
3.1 Sample Request........................................................................................................................................ 36
3.2 Sample Response ..................................................................................................................................... 37
3.3 FI Configuration ........................................................................................................................................ 46
2 | Version 1.1
1.1 Introduction
This web service is used to download the KYC data of an individual using CKYC number and date of
birth. This is applicable for registered Financial Institutions. Both CERSAI and Financial Institution
should share their public key and IP address while registering for this service. After registration FI
should upload their public key and provide IP address through Upload Public Key interface in CKYC
application that can be accessed by Institution admins .The following table provides details on CKYC
download-Interface Properties:
PROPERTY VALUE
Test Bed URL https://testbed.ckycindia.in/Search/ckycverificationservice/download

Live URL https://www.ckycindia.in/Search/ckycverificationservice/download
Request Type Application/XML

Response Type Application/XML
Request Digital Yes
Signed
1.2 Request
Request should be digitally signed using FI’s Private Key and its public key should be shared with
CERSAI at the time of registering for this service. Personal Identity Data (PID) should be encrypted
using session key and Session key should be encrypted using public key provided by CERSAI so it
can be decrypt only with CERSAI’s private key. The encrypted PID and session key should be
encoded to Base64 string. User can follow the below steps for encryption.
1.2.1 Client side:-

 Generate a random 256 bit session key.
 Encrypt PID and timestamp using this session key by AES algorithm.
 Encode the encrypted PID to Base64 string
 Encrypt the session key using public key provided by CERSAI using RSA algorithm.
 Encode the encrypted session key to Base64 string
 Add this encrypted and encoded session key in request xml.
 Sign entire request using FI's private key.
Please note that the ciphers for encryption have been upgraded.
3 | Version 1.1
1.2.2 Request format:-
In API Version 1.1 user can submit DOB in the validation Factors as well as user can submit other
validation Factors apart from DOB in API Request. In below request, there are two tags presents
as “AUTH_FACTOR_TYPE” and “AUTH_FACTOR” :
1. If“AUTH_FACTOR_TYPE” is 01 then DOB is required in “AUTH_FACTOR” (in dd-mm-yyyy
Format).
2. If “AUTH_FACTOR_TYPE” is 02 then “PinCode+YearofBirth” is required in “AUTH_FACTOR”
(in 10 digits i.e. “Permanent Pincode as 6digits + Year of Birth as 4digits”).
3. If“AUTH_FACTOR_TYPE” is 03 then Mobile No. is required in “AUTH_FACTOR” (in 10
digits)
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>

<CKYC_DOWNLOAD_REQUEST>
<HEADER>
<FI_CODE> </FI_CODE>
<REQUEST_ID></REQUEST_ID>
<VERSION></VERSION>
</HEADER>
<CKYC_INQ/>
</CKYC_DOWNLOAD_REQUEST>

<PID_DATA>
<DATE_TIME></DATE_TIME>
<CKYC_NO></CKYC_NO>
<AUTH_FACTOR_TYPE></AUTH_FACTOR_TYPE>
<AUTH_FACTOR></AUTH_FACTOR>
</PID_DATA>
1.3 Response
Response should be digitally signed using CERSAI’s Private Key and its public key will be available
to FIs. Personal Identity Data (PID) should be encrypted using session key and Session key should
4 | Version 1.1
be encrypted using public key provided by FI so it can be decrypt only with FI’s private key. The
encrypted PID and session key should be encoded to Base64 string. Images will be send as a Base64
encrypted string. User can follow the below steps for encryption.
1.3.1 Client side:-

 Verify signature using CERSAI’s public key.
 Parse key parameter from request message.
 Decode the session key from Base64 string.
 Decrypt above key using FI’s private key with RSA algorithm so we will get session key.
 Decode the PID from Base64 string.
 Decrypt data using session key with AES algorithm.
1.3.2 Response Format:-
<?xml version="1.0" encoding="UTF-8"?>
<CKYC_DOWNLOAD_RESPONSE>
<HEADER>
<FI_CODE></FI_CODE>
<REQUEST_ID></REQUEST_ID>
<REQ_DATE></REQ_DATE>
<VERSION></VERSION>
</HEADER>
<CKYC_INQ>
<SESSION_KEY> </SESSION_KEY>
<PID>
<PID_DATA>
<PERSONAL_DETAILS>
<CONSTI_TYPE></CONSTI_TYPE>
<ACC_TYPE></ACC_TYPE>
<CKYC_NO></CKYC_NO>
5 | Version 1.1
<PREFIX></PREFIX>
<FNAME></FNAME>
<MNAME></MNAME>
<LNAME></LNAME>
<FULLNAME></FULLNAME>
<MAIDEN_PREFIX></MAIDEN_PREFIX>
<MAIDEN_FNAME></MAIDEN_FNAME>
<MAIDEN_MNAME></MAIDEN_MNAME>
<MAIDEN_LNAME></MAIDEN_LNAME>
<MAIDEN_FULLNAME></MAIDEN_FULLNAME>
<FATHERSPOUSE_FLAG></FATHERSPOUSE_FLAG>
<FATHER_PREFIX></FATHER_PREFIX>
<FATHER_FNAME></FATHER_FNAME>
<FATHER_MNAME></FATHER_MNAME>
<FATHER_LNAME></FATHER_LNAME>
<FATHER_FULLNAME></FATHER_FULLNAME>
<MOTHER_PREFIX></MOTHER_PREFIX>
<MOTHER_FNAME></MOTHER_FNAME>
<MOTHER_MNAME></MOTHER_MNAME>
<MOTHER_LNAME></MOTHER_LNAME>
<MOTHER_FULLNAME></MOTHER_FULLNAME>
<GENDER></GENDER>
<MARITAL_STATUS></MARITAL_STATUS>
<NATIONALITY></NATIONALITY>
<OCCUPATION></OCCUPATION>
<DOB></DOB>
<RESI_STATUS></RESI_STATUS>
<JURI_FLAG></JURI_FLAG>
6 | Version 1.1
<JURI_RESI></JURI_RESI>
<TAX_NUM></TAX_NUM>
<BIRTH_COUNTRY></BIRTH_COUNTRY>
<BIRTH_PLACE></BIRTH_PLACE>
<PERM_TYPE></PERM_TYPE>
<PERM_LINE1></PERM_LINE1>
<PERM_CITY></PERM_CITY>
<PERM_DIST></PERM_DIST>
<PERM_STATE></PERM_STATE>
<PERM_COUNTRY></PERM_COUNTRY>
<PERM_PIN></PERM_PIN>
<PERM_POA></PERM_POA>
<PERM_POAOTHERS></PERM_POAOTHERS>
<PERM_CORRES_SAMEFLAG></PERM_CORRES_SAMEFLAG>
<CORRES_LINE1></CORRES_LINE1>
<CORRES_CITY></CORRES_CITY>
<CORRES_DIST></CORRES_DIST>
<CORRES_STATE></CORRES_STATE>
<CORRES_COUNTRY></CORRES_COUNTRY>
<CORRES_PIN></CORRES_PIN>
<JURI_SAME_FLAG></JURI_SAME_FLAG>
<JURI_LINE1></JURI_LINE1>
7 | Version 1.1
<JURI_CITY></JURI_CITY>
<JURI_STATE></JURI_STATE>
<JURI_COUNTRY></JURI_COUNTRY>
<JURI_PIN></JURI_PIN>
<RESI_STD_CODE></RESI_STD_CODE>
<RESI_TEL_NUM></RESI_TEL_NUM>
<OFF_STD_CODE></OFF_STD_CODE>
<OFF_TEL_NUM></OFF_TEL_NUM>
<MOB_CODE></MOB_CODE>
<MOB_NUM></MOB_NUM>
<FAX_CODE></FAX_CODE>
<FAX_NO></FAX_NO>
<EMAIL></EMAIL>
<REMARKS></REMARKS>
<DEC_DATE></DEC_DATE>
<DEC_PLACE></DEC_PLACE>
<KYC_DATE></KYC_DATE>
<DOC_SUB></DOC_SUB>
<KYC_NAME></KYC_NAME>
<KYC_DESIGNATION></KYC_DESIGNATION>
<KYC_BRANCH></KYC_BRANCH>
<KYC_EMPCODE></KYC_EMPCODE>
<ORG_NAME></ORG_NAME>
<ORG_CODE></ORG_CODE>
<NUM_IDENTITY></NUM_IDENTITY>
<NUM_RELATED></NUM_RELATED>
<NUM_LOCALADDRESS></NUM_LOCALADDRESS>
<NUM_IMAGES></NUM_IMAGES>
8 | Version 1.1
<NAME_UPDATE_FLAG></NAME_UPDATE_FLAG>
<PERSONAL_UPDATE_FLAG></PERSONAL_UPDATE_FLAG>
<ADDRESS_UPDATE_FLAG></ADDRESS_UPDATE_FLAG>
<CONTACT_UPDATE_FLAG></CONTACT_UPDATE_FLAG>
<REMARKS_UPDATE_FLAG></REMARKS_UPDATE_FLAG>
<KYC_UPDATE_FLAG></KYC_UPDATE_FLAG>
<IDENTITY_UPDATE_FLAG></IDENTITY_UPDATE_FLAG>
<RELPERSON_UPDATE_FLAG></RELPERSON_UPDATE_FLAG>
<IMAGE_UPDATE_FLAG></IMAGE_UPDATE_FLAG>
</PERSONAL_DETAILS>
<IDENTITY_DETAILS>
<IDENTITY>
<SEQUENCE_NO>1</SEQUENCE_NO>
<IDENT_TYPE></IDENT_TYPE>
<IDENT_NUM></IDENT_NUM>
<ID_EXPIRYDATE></ID_EXPIRYDATE>
<IDPROOF_SUBMITTED></IDPROOF_SUBMITTED>
<IDVER_STATUS></IDVER_STATUS>
</IDENTITY>
<IDENTITY>
<IDENT_TYPE></IDENT_TYPE>
<IDENT_NUM></IDENT_NUM>
<ID_EXPIRYDATE></ID_EXPIRYDATE>
<IDPROOF_SUBMITTED></IDPROOF_SUBMITTED>
<IDVER_STATUS></IDVER_STATUS>
</IDENTITY>
9 | Version 1.1
</IDENTITY_DETAILS>
<RELATED_PERSON_DETAILS>
<RELATED_PERSON>
<SEQUENCE_NO></SEQUENCE_NO>
<REL_TYPE></REL_TYPE>
<ADD_DEL_FLAG></ADD_DEL_FLAG>
<CKYC_NO></CKYC_NO>
<PREFIX></PREFIX>
<FNAME></FNAME>
<MNAME></MNAME>
<LNAME></LNAME>
<PAN></PAN>
<UID></UID>
<VOTERID></VOTERID>
<NREGA></NREGA>
<PASSPORT></PASSPORT>
<PASSPORT_EXP></PASSPORT_EXP>
<DRIVING_LICENCE></DRIVING_LICENCE>
<DRIVING_EXP></DRIVING_EXP>
<OTHERID_NAME></OTHERID_NAME>
<OTHERID_NO></OTHERID_NO>
<SIMPLIFIED_CODE></SIMPLIFIED_CODE>
<SIMPLIFIED_NO></SIMPLIFIED_NO>
<DOC_SUB></DOC_SUB>
10 | Version 1.1
</RELATED_PERSON>
<RELATED_PERSON>
<REL_TYPE></REL_TYPE>
<ADD_DEL_FLAG></ADD_DEL_FLAG>
<CKYC_NO></CKYC_NO>
<PREFIX></PREFIX>
<FNAME></FNAME>
<MNAME></MNAME>
<LNAME></LNAME>
<MAIDEN_PREFIX></MAIDEN_PREFIX>
<MAIDEN_FNAME></MAIDEN_FNAME>
<MAIDEN_MNAME></MAIDEN_MNAME>
<MAIDEN_LNAME></MAIDEN_LNAME>
<FATHERSPOUSE_FLAG></FATHERSPOUSE_FLAG>
<FATHER_PREFIX></FATHER_PREFIX>
<FATHER_FNAME></FATHER_FNAME>
<FATHER_LNAME></FATHER_LNAME>
<MOTHER_PREFIX></MOTHER_PREFIX>
<MOTHER_FNAME></MOTHER_FNAME>
11 | Version 1.1
<MOTHER_MNAME></MOTHER_MNAME>
<MOTHER_LNAME></MOTHER_LNAME>
<DOB></DOB>
<GENDER></GENDER>
<MARITAL_STATUS></MARITAL_STATUS>
<NATIONALITY></NATIONALITY>
<RESI_STATUS></RESI_STATUS>
<OCCUPATION></OCCUPATION>
<PAN></PAN>
<UID></UID>
<VOTERID></VOTERID>
<NREGA></NREGA>
<PASSPORT></PASSPORT>
<PASSPORT_EXP></PASSPORT_EXP>
<DRIVING_LICENCE></DRIVING_LICENCE>
<DRIVING_EXP></DRIVING_EXP>
<OTHERID_NAME></OTHERID_NAME>
<OTHERID_NO></OTHERID_NO>
<DOC_SUB></DOC_SUB>
12 | Version 1.1
</RELATED_PERSON>
</RELATED_PERSON_DETAILS>
<LOCAL_ADDRESS_DETAILS>
<LOCAL_ADDRESS>
<BRANCH_CODE></BRANCH_CODE>
<ADDR_LINE1></ADDR_LINE1>
<ADDR_CITY></ADDR_CITY>
<ADDR_DIST></ADDR_DIST>
<ADDR_PIN></ADDR_PIN>
<ADDR_STATE></ADDR_STATE>
<ADDR_COUNTRY></ADDR_COUNTRY>
<MOB_NUM></MOB_NUM>
<FAX_NO></FAX_NO>
<EMAIL></EMAIL>
</LOCAL_ADDRESS>
13 | Version 1.1
<LOCAL_ADDRESS>
<ADDR_CITY></ADDR_CITY>
<ADDR_PIN></ADDR_PIN>
<ADDR_COUNTRY></ADDR_COUNTRY>
<MOB_NUM></MOB_NUM>
<FAX_NO></FAX_NO>
<EMAIL></EMAIL>
</LOCAL_ADDRESS>
</LOCAL_ADDRESS_DETAILS>
<IMAGE_DETAILS>
<IMAGE>
<SEQUENCE_NO></SEQUENCE_NO
14 | Version 1.1
<IMAGE_TYPE></IMAGE_TYPE>
<IMAGE_CODE></IMAGE_CODE>
<GLOBAL_FLAG></GLOBAL_FLAG>
<IMAGE_DATA></IMAGE_DATA>
</IMAGE>
<IMAGE>
<SEQUENCE_NO></SEQUENCE_NO
<IMAGE_TYPE></IMAGE_TYPE>
<IMAGE_CODE></IMAGE_CODE>
<GLOBAL_FLAG></GLOBAL_FLAG>
<IMAGE_DATA></IMAGE_DATA>
</IMAGE>
</IMAGE_DETAILS>
</PID_DATA>
</PID>
<ERROR></ERROR>
</CKYC_INQ>
</CKYC_DOWNLOAD_RESPONSE>
15 | Version 1.1
2.1 Web Services Details
2.1.1 Request Parameters

The following table provides details on CKYC Download-Request Parameters:
CKYC Download-Request Description Mandatory

Parameters Field Name
FI_CODE FI code provided by CKYC Yes
DATE Current date(dd-MM-yyyy HH:mm:ss) Yes
VERSION 1.1 Yes
CKYC_NO 14 digit CKYC Number Yes
AUTH_FACTOR_TYPE '01' - DOB/DOI Yes
'02' - PINCODE and Year of Birth
'03' - Mobile Number
AUTH_FACTOR If authentication factor is '01' - 'DD-MM-YYYY' Yes
If '02' - 6 digit pincode + 4 digit year
If '03' - 10 digit mobile number
REQUEST_ID Should be unique throughout the day for an FI. Yes
2.1.2 Response Parameters

The following table provides details on CKYC Download -Response Parameters:
S.No Field Field Type Field Mandatory / Remarks / Details XML TAG
Lengt Optional
h
Personal Details< Personal _DETAILS>(corresponding to 20 type record in bulk file format,
single per KYC record)
1. Constitution String 2 Mandatory 01-Individual CONSTI_TYPE
Type
2. Account Number 2 Mandatory 01-Normal ACC_TYPE
Holder Type 02-Small
16 | Version 1.1
Lengt Optional
h
03-Simplified (for
low risk customers)
04-OTP-Based e-KYC
3. CKYC no Number 14 Mandatory CKYC_NO
4. Applicant String 5 Mandatory PREFIX
Name Prefix
5. Applicant First String 50 Mandatory FNAME
Name
6. Applicant String 50 Optional MNAME

Middle Name
7. Applicant Last String 50 Optional LNAME
Name
8. Applicant Full String 158 Mandatory FULLNAME

Name
9. Applicant String 5 Optional MAIDEN_PREFIX
Maiden Name
Prefix
10. Applicant String 50 Optional MAIDEN_FNAME
Maiden First
Name
11. Applicant String 50 Optional MAIDEN_MNAME
Maiden
Middle Name
12. Applicant String 50 Optional MAIDEN_LNAME
Maiden Last
Name
13. Applicant String 158 Optional MAIDEN_FULLNAM

Maiden Full E
Name
14. Flag indicating Number 2 Mandatory ''01' - Father Name FATHERSPOUSE_FL
Father or '02' - Spouse Name AG
Spouse Name
17 | Version 1.1
Lengt Optional
h
15. Applicant String 5 Mandatory FATHER_PREFIX
Father/Spouse
Name Prefix
16. Father / String 50 Mandatory FATHER_FNAME
Spouse First
Name
17. Father / String 50 Optional FATHER_MNAME
Spouse
Middle Name
18. Father / String 50 Optional FATHER_LNAME
Spouse Last
Name
19. Father / String 158 Mandatory FATHER_FULLNAME
Spouse Full
Name
20. Mother's String 5 Mandatory MOTHER_PREFIX
Prefix
21. Mother's First String 50 Mandatory MOTHER_FNAME
Name
22. Mother's String 50 Optional MOTHER_MNAME
Middle Name
23. Mother's Last String 50 Optional MOTHER_LNAME
Name
24. Mother's Full String 158 Mandatory MOTHER_FULLNAM
Name E
25. Gender String 1 Mandatory ‘M’ – Male, GENDER
‘F’ – Female,
'T'- Transgender
26. Marital status String 2 Mandatory '01' - Married MARITAL_STATUS
'02' – Unmarried
‘03’ - Others
27. Nationality String 2 Mandatory Refer ISO 3166 NATIONALITY
country code in Bulk
file formats 1.8.4
18 | Version 1.1
Lengt Optional
h
28. Occupation String 4 Mandatory ‘B-01’-Business OCCUPATION
Type ‘O-01’- Others –
Professional
‘O-02’- Others - Self
Employed
‘O-03’- Others –
Retired
Housewife
Student
‘S-01’- Service -
Public Sector
Private Sector
Government Sector
‘X-01’-Not
Categorized
29. Date of Birth/ Date 10 Mandatory 'DD-MM-YYYY DOB
Date of
Incorporation
30. Residential Number 2 Mandatory ‘01’ – Resident RESI_STATUS
Status Individual,
‘02’ – Non Resident
Indian,
‘03’ - Foreign
National.
'04' - Person of
Indian Origin
31. Flag indicating Number 2 Mandatory ‘01’ – Yes JURI_FLAG
if applicant ‘02’ – No
resident for
tax purposes
in Jurisdiction
outside India
19 | Version 1.1
Lengt Optional
h
32. Jurisdiction of String 2 -Mandatory if Refer ISO 3166 JURI_RESI
residence Flag indicating country code in Bulk
if applicant file formats
resident for
tax purposes
in Jurisdiction
outside India
is '01'
-As per ISO
3166 country
code
33. Tax 20 Mandatory if TAX_NUM
Identification String Flag indicating
Number or if applicant
equivalent (If resident for
issued by tax purposes
jurisdiction) in Jurisdiction
outside India
is '01'
34. Country of String 2 Mandatory if Refer ISO 3166 BIRTH_COUNTRY
Birth Flag indicating country code in Bulk
if applicant file formats
resident for
tax purposes
in Jurisdiction
outside India
is '01'
35. City/Place of String 50 Mandatory if BIRTH_PLACE
Birth Flag indicating
if applicant
resident for
tax purposes
in Jurisdiction
outside India
is '01'
36. Current/ Number 2 Mandatory ‘01’ – PERM_TYPE
Permanent/ Resident/Business,
Overseas ‘02’ – Residential,
Address Type
‘03’ - Business,
20 | Version 1.1
Lengt Optional
h
'04' - Registered
Office
'05' - Unspecified
37. Current/ String 55 Mandatory PERM_LINE1
Permanent/
Overseas
Address Line
1
38. Current/ String 55 Optional PERM_LINE2
Permanent/
Overseas
Address Line
2
39. Current/ String 55 Optional PERM_LINE3
Permanent/
Overseas
Address Line
3
40. Current/ String 50 Mandatory PERM_CITY
Permanent/
Overseas
Address - City
/ Town /
Village
41. Current/ String 50 Mandatory PERM_DIST
Permanent/
Overseas
Address -
District
42. Current/ String 2 Mandatory Refer State Master PERM_STATE
Permanent/ in Bulk file formats
Overseas
Address -
State/ U.T
43. Current / String 2 Mandatory Refer ISO 3166 PERM_COUNTRY
Permanent / country code in Bulk
Overseas file formats
Address -
Country
21 | Version 1.1
Lengt Optional
h
44. Current / String 10 Mandatory/O Should be 6 digits if PERM_PIN

Permanent / ptional Country selected is
Overseas 'India'
Address - PIN Not mandatory if
Code country is not India
45. Proof of String 3 Mandatory Proof of Address PERM_POA
Address Master
submitted for
Current/
Permanent/
Overseas
Address
46. Proof of String 75 Mandatory if PERM_POAOTHERS
Address Address Proof is '99'
submitted for
Current/
Permanent/
Overseas
Address
(Others)
47. Flag indicating String 1 Optional 'Y' / 'N' PERM_CORRES_SA
if Current / MEFLAG
Permanent /
Overseas
Address is
same as
corresponden
ce/ local
Address
48. Corresponden String 55 Mandatory/O Mandatory if Flag CORRES_LINE1
ce/ Local ptional indicating Current /
Address Line Permanent /
1 Overseas Address is
same as
correspondence/
local Address is 'N'
49. Corresponden String 55 Optional CORRES_LINE2
ce/ Local
22 | Version 1.1
Lengt Optional
h
Address Line
2
50. Corresponden String 55 Optional CORRES_LINE3
ce/ Local
Address Line
3
51. Corresponden String 50 Mandatory CORRES_CITY
ce/ Local
Address - City
/ Town /
Village
52. Corresponden String 50 Mandatory CORRES_DIST
ce/ Local
Address -
District
53. Corresponden String 2 Mandatory Refer State Master CORRES_STATE
ce/ Local in Bulk file formats
Address –
State
54. Corresponden String 2 Mandatory Refer ISO 3166 CORRES_COUNTRY
ce/ Local country code in Bulk
Address – file formats
Country
55. Corresponden String 10 Mandatory/O Should be 6 digits if CORRES_PIN
ce/ Local ptional Country selected is
Address - PIN 'India'
Code
56. Flag indicating Number 2 Mandatory/O 01'- Address in JURI_SAME_FLAG
if address in ptional jurisdiction same as
jurisdiction Current/Permanent/
where Overseas address
application is
''02'' - Address in
resident is
jurisdiction same as
same as
Correspondence/
Current/
Permanent/ Local address
Overseas or
Corresponden
ce/ Local
23 | Version 1.1
Lengt Optional
h
address ''03'- Address in
details jurisdiction is
different
57. Address in String 55 Mandatory/op Mandatory if Flag JURI_LINE1

Jurisdiction tional indicating if address
Line 1 in jurisdiction where
application is
resident is same as
Current/
Permanent/
Overseas or
Correspondence/
Local address details
is '03'
58. Address in String 55 Optional JURI_LINE2
Jurisdiction
Line 2
59. Address in String 55 Optional JURI_LINE3
Jurisdiction
Line 3
60. Address in String 50 mandatory JURI_CITY
Jurisdiction -
City / Town /
Village
61. Address in String 50 Mandatory/O Mandatory if Flag JURI_STATE
Jurisdiction – ptional indicating if address
State in jurisdiction where
application is
resident is same as
Current/
Permanent/
Overseas or
Correspondence/
is '03'
Optional if country
is not India
Mandatory if
Country of
24 | Version 1.1
Lengt Optional
h
Residence as per Tax
laws* is not India for
legal entity
62. Address in String 2 Mandatory/O Refer ISO 3166 JURI_COUNTRY
Jurisdiction – ptional country code in Bulk
Country file formats
63. Address in String 10 Mandatory/O - Mandatory if Flag JURI_PIN
Jurisdiction - ptional indicating if address
ZIP/Post Code in jurisdiction where
application is
resident is same as
Current/
Permanent/
Overseas or
Correspondence/
is '03'
- Should be 6 digits
if Country selected
is 'India'
- Not mandatory if
country is not India
64. Residence Number 4 Optional RESI_STD_CODE
Telephone No.
(STD Code)
65. Residence Number 10 Optional RESI_TEL_NUM
Telephone No.
66. Office Number 4 Optional OFF_STD_CODE

Telephone No.
(STD Code)
67. Office Number 10 Optional OFF_TEL_NUM
Telephone No.
68. Mobile No. Number 3 Optional MOB_CODE

(ISD Code)
69. Mobile No. Number 10 Optional MOB_NUM
25 | Version 1.1
Lengt Optional
h
70. Fax No. (STD Number 04 Optional FAX_CODE
Code)
71. Fax No. Number 10 Optional FAX_NO

72. Email ID String 100 Optional EMAIL
73. Remarks, if String 300 Optional REMARKS
any
74. Date of Date 10 Mandatory DD-MM-YYYY DEC_DATE
Declaration
75. Place of String 50 Mandatory DEC_PLACE
Declaration
76. KYC Date 10 Mandatory DD-MM-YYYY KYC_DATE
Verification
Date
77. Type of String 2 Mandatory 01- Certified Copies DOC_SUB
Document
Submitted
78. KYC String 150 Mandatory KYC_NAME
Verification
Name
79. KYC String 50 Mandatory KYC_DESIGNATION
Verification
Designation
80. KYC String 50 Mandatory KYC_BRANCH
Verification
Branch
81. KYC String 50 Mandatory KYC_EMPCODE
Verification
EMP code
82. Organization String 150 Mandatory ORG_NAME
Name
83. Organization String 20 Mandatory ORG_CODE
Code
84. Number of Number 2 Number of NUM_IDENTITY
Identity Mandatory type(identity) '30'
Details records
26 | Version 1.1
Lengt Optional
h
85. Number of Number 2 Mandatory Number of type '40' NUM_RELATED
related records
persons
86. Number of Number 2 Mandatory Number of type '60' NUM_LOCALADDRE
Local Address records SS
Details
87. Number of Number 2 Mandatory Number of type '70' NUM_IMAGES
Images records
88. Applicant Number 2 Mandatory ''01'- Yes NAME_UPDATE_FL
Name Update '02'- No AG
Flag
'01' if section has
been updated in the
last 24 hours
89. Personal/Entit Number 2 Mandatory ''01'- Yes PERSONAL_UPDATE
y Details '02'- No _FLAG
Update Flag
'01' if section has
been updated in the
last 24 hours
90. Address Number 2 Mandatory ''01'- Yes ADDRESS_UPDATE_
Details '02'- No FLAG
Update Flag
'01' if section has
been updated in the
last 24 hours
91. Contact Number 2 Mandatory ''01'- Yes CONTACT_UPDATE_
Update Flag
'01' if section has
been updated in the
last 24 hours
92. Remarks Number 2 Mandatory ''01'- Yes REMARKS_UPDATE
Update Flag '02'- No _FLAG
'01' if section has

been updated in the
last 24 hours
27 | Version 1.1
Lengt Optional
h
93. KYC Number 2 Mandatory ''01'- Yes KYC_UPDATE_FLAG
Verification '02'- No
Update Flag
'01' if section has
been updated in the
last 24 hours
94. Identity Number 2 Mandatory ''01'- Yes IDENTITY_UPDATE_
Update Flag
'01' if section has
been updated in the
last 24 hours
95. Related Number 2 Mandatory ''01'- Yes RELPERSON_UPDAT
Person Details '02'- No E_FLAG
Flag
'01' if section has
been updated in the
last 24 hours
96. Image Details Number 2 Mandatory ''01'- Yes IMAGE_UPDATE_FL
Update Flag '02'- No AG
'01' if section has

been updated in the
last 24 hours
Identity Details <IDENTITY_DETAILS>(corresponding to 30 type record in bulk file format,

Multiple per KYC record)
97. Identity Number 2 Mandatory SEQUENCE_NO
sequence
number
98. Identification String 2 Mandatory Refer identification IDENT_TYPE
type master in bulk file
format
99. Identity As per As Mandatory IDENT_NUM

Number Identity per
Code Ident
ity
Code
28 | Version 1.1
Lengt Optional
h
mast
er
100. Expiry Date Date 10 Mandatory 'DD-MM-YYYY' ID_EXPIRYDATE
101. Identity Proof Number 2 Mandatory 01- Yes IDPROOF_SUBMITT
Submitted 02- No ED
102. Identity Number 2 Mandatory 01- Yes IDVER_STATUS

Verification 02- No
status
Related Person Details <RELATED_PERSON_DETAILS>(corresponding to 40 type record in

download format ,Multiple per KYC record)
103. Related Number 5 Mandatory SEQUENCE_NO
Person
sequence
number
104. Type of Number 2 Mandatory 1-Guardian of minor REL_TYPE
Relationship 2-Assignee
3-Authorised
Representative
105. Addition / Number 2 Optional 01 - Addition of ADD_DEL_FLAG
Deletion of Related Person
related person 02- Deletion of
Related Person
03 - Modification of
Related
106. KYC Number Number 14 Mandatory/O Optional if ID added CKYC_NO

of Related ptional
Person
107. Related String 5 Mandatory PREFIX
Person Name
Prefix
108. Related String 50 Mandatory FNAME
Person First
Name
29 | Version 1.1
Lengt Optional
h
109. Related String 50 Optional MNAME
Person
Middle Name
110. Related String 50 Optional LNAME
Person Last
Name
111. PAN Card String 10 Optional PAN
112. UID (Aadhar) String 12 Optional Format eg UID
XXXXXXXX1234
113. Voter ID Card String 20 Optional VOTERID
114. NREGA Job String 40 Optional NREGA
Card
115. Passport No String 20 Optional PASSPORT
116. Passport Date 10 Optional DD-MM-YYYY PASSPORT_EXP
Expiry Date
117. Driving 20 Optional DRIVING_LICENCE
Licence No
118. Driving Date 10 Optional DD-MM-YYYY DRIVING_EXP
Licence Expiry
date
119. Any other String 50 Optional OTHERID_NAME
proof of ID
name
120. Any other Number 20 Optional OTHERID_NO
proof of ID
number
121. Simplified String 2 Optional Only if Account type SIMPLIFIED_CODE
Measures is '03'
Account - ''01' -
Document
Type Code Identity card with
applicant’s
photograph issued
by Central/ State
Government
Departments,
Statutory/
30 | Version 1.1
Lengt Optional
h
Regulatory
Authorities, Public
Sector
Undertakings,
Scheduled
Commercial Banks,
and Public Financial
Institutions.
'02' -
Letter issued by a
gazetted officer,
with a duly attested
photograph of the
person.
122. Simplified Number 20 Optional SIMPLIFIED_NO

Measures
Account -
Identification
Number
123. Date of Date 10 Mandatory DD-MM-YYYY DEC_DATE
Declaration
124. Place of String 50 Mandatory DEC_PLACE
Declaration
125. KYC Date 10 Optional 'DD-MM-YYYY' KYC_DATE
Verification
Date
126. Type of String 2 Optional 01- Certified Copies DOC_SUB
Document
Submitted
127. KYC String 150 Mandatory KYC_NAME
Verification
Name
128. KYC String 150 Mandatory KYC_DESIGNATION
Verification
Designation
31 | Version 1.1
Lengt Optional
h
129. KYC String 150 Mandatory KYC_BRANCH
Verification
Branch
130. KYC String 50 Mandatory KYC_EMPCODE
Verification
EMP code
131. Organization String 150 Mandatory ORG_NAME
Name
132. Organization String 20 Mandatory ORG_CODE
Code
Local Address Details <LOCAL_ADDRESS_DETAILS>(corresponding to 60 type record in bulk file
format ,Multiple per KYC record)
133. Local Address Number 2 Optional SEQUENCE_NO
sequence
number
134. Branch Code String 12 Optional BRANCH_CODE
135. Local Address String 55 Optional ADDR_LINE1
Line 1
Line 2
Line 3
138. City / Town / String 50 Optional ADDR_CITY
Village
139. Local Address String 50 Optional ADDR_DIST
- District
140. PIN Code Number 10 Optional ADDR_PIN
141. State String 2 Optional ADDR_STATE
142. Country String 2 Optional ADDR_COUNTRY
143. Residence Number 4 Optional RESI_STD_CODE
Telephone No.
(STD Code)
144. Residence Number 10 Optional RESI_TEL_NUM
Telephone No.
32 | Version 1.1
Lengt Optional
h
145. Office Number 4 Optional OFF_STD_CODE
Telephone No.
(STD Code
146. Office Number 10 Optional OFF_TEL_NUM
Telephone No.
147. Mobile No. Number 3 Optional MOB_CODE
(ISD Code)
148. Mobile No. Number 10 Optional MOB_NUM
149. Fax No. (STD Number 4 Optional FAX_CODE
Code)
150. Fax No. Number 10 Optional FAX_NO
151. Email ID String 100 Optional EMAIL
152. Date of Date 10 Optional DEC_DATE
Declaration
153. Place of String 50 Optional DEC_PLACE
Declaration
Image Details <IMAGE_DETAILS>(corresponding to 70 type record in bulk file format ,Multiple per
KYC record)
154. Image Number 2 Mandatory SEQUENCE_NO
Sequence
Number
155. Image String 10 Mandatory IMAGE_TYPE
Extension
156. Image Type String 2 Mandatory Refer Document IMAGE_CODE
Master in Bulk file
format
157. Flag for Global String 2 Optional ‘01’ – Global GLOBAL_FLAG
or Local Image ‘02’ – Local
158. Branch Code String 11 Optional Branch Code to BRANCH_CODE

to which local which local address
address is to is to be linked with
be linked with
33 | Version 1.1
Lengt Optional
h
159. Image data String Mandatory Image as Base64 IMAGE_DATA
encoded string
2.1.3 Error Messages
The following table lists the error messages
Scenario Error Message

Digital signature verification Digital signature cannot be verified. Please sign document
failed with proper key
Public Key not uploaded Public key not available in the server. Please upload key
IP not registered Please configure your IP address.
IP does not match with the reg- The given IP does not match with the institution’s regis-
istered IP tered IP.
Time difference between Time difference should be less than 5 minutes

request and response is more
than 5 minute
Invalid CKYC Number Please enter valid CKYC Number
Invalid FI Code Please enter valid FI Code
For Individual, Version provided Please enter valid version number
other than 1.0 and 1.1
Incorrect date of Birth Date of birth does not match with the given CKYC Number
Incorrect Date of birth format Please enter date in dd-MM-YYYY format
Incorrect Pincode and Year of Authentication Failed: Pincode and Year of birth entered
Birth does not match with the CKYC Number <ckyc number>
Incorrect Pincode and Year of Authentication Failed: Pincode and Year of birth entered
Birth format. does not match with the CKYC Number <ckyc number>
34 | Version 1.1
Incorrect Mobile number. Authentication Failed: Mobile number entered does not
match with the CKYC Number <ckyc number>
Provided Mobile number which Authentication Failed: Mobile number entered does not
does not exist in ckyc number exist for CKYC Number <ckyc number>
If Authentication factor type not Please enter Authentication Factor Type

provided
If Authentication factor not pro- Please enter < Authentication Factor Type >.
vided
Authentication factor -DOB Please enter Date of Birth in DD-MM-YYYY format

length is not proper
Authentication factor - Mobile Mobile number should be of length 10

number length is not proper
Authentication factor - Pincode Please enter valid 6 digit pincode and 4 digit Year of birth
and Year of Birth length is not
proper
Authentication factor - Mobile Mobile number cannot contain other than numbers
number is given as invalid.
Authentication factor - Pincode Please enter valid Pincode and Year of birth
and Year of Birth is given as in-
valid.
Insufficient wallet balance Institution wallet does not have sufficient balance, please
top up the wallet
Request ID is not numeric Request ID should be numeric
Request ID size greater than 8 Request ID should not exceed more than 8 digits
Request ID is not unique Please enter unique Request ID for the day
throughout the day for an FI.
Request time is future time Time stamp in the request cannot be a future time
35 | Version 1.1
Request XML tags where not Request XML not in proper format
proper
3.1 Sample Request
<HEADER>
<FI_CODE>IN106</FI_CODE>
<REQUEST_ID>561</REQUEST_ID>
<VERSION>1.1</VERSION>
</HEADER>
<CKYC_INQ>
<SESSION_KEY>hzQD+0I6nGR4muA3BPElIk7ZRITuw/pQNWeoBO/+MjhRvhlY/rft8oDUYxFFoNFGZ
weMoguowKcj3EAayvErEqFe/C/ERHlKo6ZnJ0o+Oz+zCUM6mr1rZ6LhUoc7BZrYsdoVrYUoimMf9Zru
oL/ji5HFQT3B0XAOYOrlmmJfhrfVZfKinfxBBGiWp8TAqL0Umw5/OO79VETfD30Y6k71eybFCJeLITAs
VNHA+CWSHJyiqbS7MdJDkXy+b3if+wCqOkdsppT2rVTriDIek9ox/ORnPDn/bIe/+0t/ONf028YeMvA
+M0ZXMa15HH5CSny7Nd+lB95BSypZT5OsnmEbTA==</SESSION_KEY>
<PID>n8LI70jncZIZMLRzvXZ9Gx7dsvL81vckH9R07eQNKPHJX1ZX5RnMxw6m2Ndk/+o/GNMs+Sdc8
iDWh/TW3gsMO+AHyoDyo1juHdYiaoMyXH1DE/axTOiHsueloFdiOcDfDUiNP777xqA3bwmKVjNl6d
NSmkenuHGfbg11lnArZcXOLls9Au7AYnyvsPzu4kkkwp4VELEOxha53/+5wpMjSW4Dspb10tvE0W2
QCJdbvVFnr1np8eKHsi0sX3CQPkJF</PID>
</CKYC_INQ>
<Signature
xmlns="http://www.w3.org/2000/09/xmldsig#"><SignedInfo><CanonicalizationMethod
Algorithm="http://www.w3.org/TR/2001/REC-xml-c14n-20010315"/><SignatureMethod
Algorithm="http://www.w3.org/2000/09/xmldsig#rsa-sha1"/><Reference
URI=""><Transforms><Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-
signature"/></Transforms><DigestMethod
Algorithm="http://www.w3.org/2000/09/xmldsig#sha1"/><DigestValue>rIHq8IrhF4srtS4cCNlg7E
FcgRU=</DigestValue></Reference></SignedInfo><SignatureValue>JpFt6L3+TGD98tC4Zkq+5YrwU
L9vbP7Skcw8uTVTomeRPNMs0cbfM1TZgy98NNS5uz5iqYP7IYz5+6c1Af49WyBY3nKFPmP1UEpPQ
36 | Version 1.1
MScHUGJ+EeWffhua3qpRqJT7SGWnO2yxT67z93i3Ow6h58K1/2X1Gn+kh9EnAaK2YuV5+zhiMUUE
1X5qg/egZ8IDVlczMPZQm22OEptY3XZgEL7WRFHLf+e6GRlet+7EYefayGkccN8K2aGgEx4TICY6aUlD
KivE7XNflzcmTtUrfIqEl3UigDB+DrVJcss8p08uc/q5cYVqT+BsvACULO9pF5lPQwpcgk9+ZcYHDZyMkz
xYA==</SignatureValue></Signature>
PID_DATA in request:

<PID_DATA>
<DATE_TIME>31-10-2016 11:55:08</DATE_TIME>
<CKYC_NO>40006289530277</CKYC_NO>
<AUTH_FACTOR_TYPE>01</AUTH_FACTOR_TYPE>
<AUTH_FACTOR>02-05-1988</AUTH_FACTOR>
</PID_DATA>
3.2 Sample Response
<?xml version="1.0" encoding="UTF-8"?><CKYC_DOWNLOAD_RESPONSE>

<HEADER>
<FI_CODE>IN106</FI_CODE>
<REQUEST_ID>7647</REQUEST_ID>
<REQ_DATE>31-10-2016</REQ_DATE>
<VERSION> 1.1<VERSION/>
</HEADER>
<CKYC_INQ>
<SESSION_KEY>BDu4Zi02ct0kxehSJyiblRF7FsjyJc6e6FTzeXPXwmF5nCMypIXMDfxL+zTcopy++6mZ
mXPCltIrJFM2f9GcP14aohnqDqIHyG7WJhGel6ipgwcKNEivrKbpBvzc5B3CCSDlh9WYUVj6V4/usq//
Uxoc4vhcja6TI24RwyBBm71+CVsj9cm6kbKWQrXae/ddUVusuikKFoJfitCjr4+gXYdnyaImt/51Cn5Tb
D56gnON1gif1ppUiPo/o0XxTFK26gz+bo+kFMJMJt3cdE9WmMX+g0O2Mtu8VXn+tt/plTWMeimwt
H5CA+A5YRRWb3DvVXT7sfeLp8EV7ZvSnDP5+Q==</SESSION_KEY>
37 | Version 1.1
<PID>
yb7UGWJs0oX8H7dL+/h+q+3g8YZvLmDw3mofM4cTbKjSCX7jhFvmc/XRHlKPKe6Z5cUksA1CeHRyN
NTxnwhmrHW1T42Rxef+MnpKJOoTTYsYyTOzRj5YroARsdjBoH3V5Eys+0Xpg1CrZpv9Uc04FlJ5+sct
mi3PYo5gEa4uXnJ7aQysHyGVMuQuhGbkZob/WGmnd+7BEnYpCDBuy+ekoc9WWa2KAtPZ+0kEgw
dsNc2h6bEIs1NoZt3DJZdVzC4BC7E2mJklDsaOTpoV0vRpikvCTFu3ERa9QSkYySl1CQhogS2NZahO4y
qA1BIh+PMJqEL/N8emy2FV3FzEUBjftyPIVesS0Kau08DIOVv0Kd6xOgLUMUvbGotZGBuqkAWuPWjt
0IuQfrLTebwQWULP1Kj8wqYj4w6pputTCS4HjenUzengUV92OZcgQNDc5EMlTuiJXMu42ZUDK6Ywd
TO81IkkF9jeYRsqAVwoFc+9al7MB0/kLzSe+P0zJSQtLQSFyjHsCV1affiX+wVPBOsNkHUonp5Cetmdej
5V8KFi3bw2Dp8gKSkucz5mbH8rNNdrAxIFFqIZeFBbua0rksi/rWKdorAKq+um8a6lqiSSbmWS/0Th3
8WicIMXhMQKRhILvRLr5GZ2JNy4skRsOP8L/jFdwoOgSuDVIuMd/VH+wI9WhG2K+JaYqIv4S45qVg+
7IF5JZlbg302e0B/Abf2G6A/B6ggk1SUHejXTQDuGrvJBh7W6eomXAhSo8qKurN0A17ont5DiKiY8AJa
7EH42VN+vHiABWez5HeOclGF/23jqdkYbzHuZXw1a3GmCVuBylRgwnhlqvNPv3ENNWgA+oZLKGJ3
pGvxsbSgFOdSjAMMCFn0Ya2q/XLLVuSinvlrLEWD9yajBjYbQhGwHMxYSiCnmUg5YKzg2Ebe3MpLlh
ERBjsRM1+heLObA6UCDj/D4flXaoW85v4o00/GrtugNsOiKBAbE88NKMX+YJzy9yZjDK2EnyKnmDOj
n1F+D0VM8F0IbDSJsUnyfdech/cRcPdDgQByP7eoGn3VOVPwVIEsdMpyBvEJvWKFb+/RuiZql2FFsW
6UFnEkpCLKTZYoJHlJzPN2aqgMPee2KuaAX75+nGK6N/WxA0r2F3aJe8QYybpdZhQFqFUhR06YmTj4
3S3d3U5LIpx7vlRBceM1+P9QWbttZZ3V0wv0CBnAXIpr2HvKdoycKvTdQtob3A/FhJpHpkihmJ/XGBB
MqnI+tQQN0sYgvG+CO1Ve/UPmtBNhjFr8VgYe8cDPVFIE5s32+G2BcfmzuICpcGlGnHff/E0PSaflWx3
K9XBpRpx33/xND0mn5VsdyvV/5zbhby
</PID>
</CKYC_INQ>
<Signature
xmlns="http://www.w3.org/2000/09/xmldsig#"><SignedInfo><CanonicalizationMethod
Algorithm="http://www.w3.org/TR/2001/REC-xml-c14n-20010315"/><SignatureMethod
Algorithm="http://www.w3.org/2000/09/xmldsig#rsa-sha1"/><Reference
URI=""><Transforms><Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-
signature"/></Transforms><DigestMethod
Algorithm="http://www.w3.org/2000/09/xmldsig#sha1"/><DigestValue>YOGf9OnnBxqRL/nhbBh
EFJWMNkY=</DigestValue></Reference></SignedInfo><SignatureValue>EmX773ONbKJVRKpwl1c
QYXW1M57ivjAJNq2Y4MnGE/Oif13eb0GBK/ZFvDK5V1ucrkLfsLMXgbZX
DHba6mHQFDzaeTMmlu9fAqUqTrzG14ng4Vieme0GuOCZYiUY2CIk4OX7I7oQJDigLbl9QxwAcLql
73GkYMpt7bbTxBl2PEonVSxemA0d4rmIUqqROriUVe6R3A+FvSAJxPWrXUPfUWxS8sadL1Xj4R5s
3pxBMWX4wdhZp/FPubCprGRvM0inAxBbzXQQdcRJEBwPobhsTbYnVHa5RdTBx/349XpVKz4rTbyl
S2S0nu2p+WroZ/MkeB7ev+2O0LF+URgSVC5eKw==</SignatureValue></Signature></CKYC_DOW
NLOAD_RESPONSE>
PID_DATA in response:
38 | Version 1.1
<PID>
<PID_DATA>
<PERSONAL_DETAILS>
<CONSTI_TYPE>01</CONSTI_TYPE>
<ACC_TYPE>03</ACC_TYPE>
<CKYC_NO>40006289530277</CKYC_NO>
<PREFIX>Mrs</PREFIX>
<FNAME>Ashwini</FNAME>
<MNAME> </MNAME>
<LNAME>Kumar</LNAME>
<FULLNAME>Mrs Ashwini Kumar</FULLNAME>
<MAIDEN_PREFIX>Mr</MAIDEN_PREFIX>
<MAIDEN_FNAME>Ashwini</MAIDEN_FNAME>
<MAIDEN_MNAME>Vinoy</MAIDEN_MNAME>
<MAIDEN_LNAME>Raja</MAIDEN_LNAME>
<MAIDEN_FULLNAME>Mr Ashwini Vinoy Raja</MAIDEN_FULLNAME>
<FATHERSPOUSE_FLAG>02</FATHERSPOUSE_FLAG>
<FATHER_PREFIX>Mr</FATHER_PREFIX>
<FATHER_FNAME>Vinoy </FATHER_FNAME>
<FATHER_LNAME>Raja </FATHER_LNAME>
<FATHER_FULLNAME>Mr Vinoy Raja</FATHER_FULLNAME>
<MOTHER_PREFIX>Mrs</MOTHER_PREFIX>
<MOTHER_FNAME>Devi</MOTHER_FNAME>
<MOTHER_MNAME>Shree</MOTHER_MNAME>
<MOTHER_LNAME>Shiva</MOTHER_LNAME>
<MOTHER_FULLNAME>Mrs Devi Shree Shiva</MOTHER_FULLNAME>
39 | Version 1.1
<GENDER>F</GENDER>
<MARITAL_STATUS>01</MARITAL_STATUS>
<NATIONALITY>IN</NATIONALITY>
<OCCUPATION>S-01</OCCUPATION>
<DOB>02-05-1988</DOB>
<RESI_STATUS>03</RESI_STATUS>
<JURI_FLAG>02</JURI_FLAG>
<TAX_NUM></TAX_NUM>
<BIRTH_COUNTRY></BIRTH_COUNTRY>
<BIRTH_PLACE></BIRTH_PLACE>
<PERM_TYPE>01</PERM_TYPE>
<PERM_LINE1>36 , Star Apartments</PERM_LINE1>
<PERM_LINE2>ABC Road </PERM_LINE2>
<PERM_LINE3>Kaloor </PERM_LINE3>
<PERM_CITY>Kochi</PERM_CITY>
<PERM_DIST>Ernakulam</PERM_DIST>
<PERM_STATE>KL</PERM_STATE>
<PERM_COUNTRY>IN</PERM_COUNTRY>
<PERM_PIN>682012</PERM_PIN>
<PERM_POA>03</PERM_POA>
<PERM_POAOTHERS></PERM_POAOTHERS>
<PERM_CORRES_SAMEFLAG>Y</PERM_CORRES_SAMEFLAG>
<CORRES_LINE1>36 , Star Apatments </CORRES_LINE1>
<CORRES_LINE2> ABC Road </CORRES_LINE2>
<CORRES_LINE3> Kaloor </CORRES_LINE3>
<CORRES_CITY> Kochi </CORRES_CITY>
<CORRES_DIST>Ernakulam</CORRES_DIST>
<CORRES_STATE>KL</CORRES_STATE>
40 | Version 1.1
<CORRES_COUNTRY>IN</CORRES_COUNTRY>
<CORRES_PIN>682012</CORRES_PIN>
<JURI_SAME_FLAG>03</JURI_SAME_FLAG>
<JURI_CITY></JURI_CITY>
<JURI_STATE></JURI_STATE>
<JURI_COUNTRY></JURI_COUNTRY>
<JURI_PIN></JURI_PIN>
<MOB_NUM>9949444994</MOB_NUM>
<FAX_NO></FAX_NO>
<EMAIL>gsdgg@yahoo.com</EMAIL>
<REMARKS></REMARKS>
<DEC_DATE>19-10-2016</DEC_DATE>
<DEC_PLACE>Kochi</DEC_PLACE>
<KYC_DATE>04-10-2016</KYC_DATE>
<DOC_SUB>01</DOC_SUB>
<KYC_NAME>Ravi Kumar </KYC_NAME>
<KYC_DESIGNATION>Manager </KYC_DESIGNATION>
<KYC_BRANCH>North </KYC_BRANCH>
<KYC_EMPCODE>4636464</KYC_EMPCODE>
41 | Version 1.1
<NUM_IDENTITY>2</NUM_IDENTITY>
<NUM_RELATED>1</NUM_RELATED>
<NUM_LOCALADDRESS>1</NUM_LOCALADDRESS>
<NUM_IMAGES>3</NUM_IMAGES>
<NAME_UPDATE_FLAG>02</NAME_UPDATE_FLAG>
<PERSONAL_UPDATE_FLAG>02</PERSONAL_UPDATE_FLAG>
<ADDRESS_UPDATE_FLAG>02</ADDRESS_UPDATE_FLAG>
<CONTACT_UPDATE_FLAG>02</CONTACT_UPDATE_FLAG>
<KYC_UPDATE_FLAG>02</KYC_UPDATE_FLAG>
<IDENTITY_UPDATE_FLAG>02</IDENTITY_UPDATE_FLAG>
<RELPERSON_UPDATE_FLAG>02</RELPERSON_UPDATE_FLAG>
<IMAGE_UPDATE_FLAG>02</IMAGE_UPDATE_FLAG>
</PERSONAL_DETAILS>
<IDENTITY_DETAILS>
<IDENTITY>
<IDENT_TYPE>D</IDENT_TYPE>
<IDENT_NUM>TGTPY5454I</IDENT_NUM>
<ID_EXPIRYDATE>25-08-2019</ID_EXPIRYDATE>
<IDPROOF_SUBMITTED>01</IDPROOF_SUBMITTED>
<IDVER_STATUS>02</IDVER_STATUS>
</IDENTITY>
<IDENTITY>
<IDENT_TYPE>C</IDENT_TYPE>
<IDENT_NUM>CYOPO2154k</IDENT_NUM>
<IDPROOF_SUBMITTED>01</IDPROOF_SUBMITTED>
<IDVER_STATUS>02</IDVER_STATUS>
42 | Version 1.1
</IDENTITY>
</IDENTITY_DETAILS>
<RELATED_PERSON_DETAILS>
<RELATED_PERSON>
<REL_TYPE>2</REL_TYPE>
<CKYC_NO></CKYC_NO>
<PREFIX>Mrs</PREFIX>
<FNAME>Kirti</FNAME>
<MNAME></MNAME>
<LNAME>yk</LNAME>
<PAN>iiipi2154o</PAN>
<UID>XXXXXXXX5555</UID>
<VOTERID>abc1234567</VOTERID>
<NREGA>nregaid123</NREGA>
<PASSPORT>a1234567</PASSPORT>
<PASSPORT_EXP>29-05-2025</PASSPORT_EXP>
<DRIVING_LICENCE>a12345</DRIVING_LICENCE>
<OTHERID_NAME>other</OTHERID_NAME>
<OTHERID_NO>other</OTHERID_NO>
<DEC_PLACE>chennai</DEC_PLACE>
<DOC_SUB>01</DOC_SUB>
<ORG_NAME>dotexi</ORG_NAME>
<ORG_CODE>dotexcodei</ORG_CODE>
</RELATED_PERSON>
43 | Version 1.1
</RELATED_PERSON_DETAILS>
<LOCAL_ADDRESS_DETAILS>
<LOCAL_ADDRESS>
<BRANCH_CODE>IN106BR</BRANCH_CODE>
<ADDR_LINE1>Trade building </ADDR_LINE1>
<ADDR_LINE2>fdsf </ADDR_LINE2>
<ADDR_LINE3>gfdg </ADDR_LINE3>
<ADDR_CITY>Mumbai </ADDR_CITY>
<ADDR_PIN>638684</ADDR_PIN>
<ADDR_COUNTRY>AQ</ADDR_COUNTRY>
<FAX_NO></FAX_NO>
<EMAIL></EMAIL>
<DEC_PLACE>Chennai </DEC_PLACE>
</LOCAL_ADDRESS>
</LOCAL_ADDRESS_DETAILS>
<IMAGE_DETAILS>
<IMAGE>
<IMAGE_TYPE>jpg</IMAGE_TYPE>
44 | Version 1.1
<IMAGE_CODE>02</IMAGE_CODE>
<GLOBAL_FLAG>02</GLOBAL_FLAG>
<BRANCH_CODE>137</BRANCH_CODE>
<IMAGE_DATA>
/9j/4AAQSkZJRgABAQEAYABgAAD/4QA6RXhpZgAATU0AKgAAAAgAA1EQAAEAAAABAQAA
AFERAAQAAAABAAAAAFESAAQAAAABAAAAAAAAAAD/2wBDAAIBAQIBAQICAgICAgICAwUDAwM
DAwYEBAMFBwYHBwcGBwcICQsJCAgKCAcHCg0KCgsMDAwMBwkODw0MDgsMDAz/2wBDAQICA
gMDAwYDAwYMCAcIDAwMDAwMDAwMDAwMDAwMDAwMDAwMDAwMDAwMDAwMDAwMD
AwMDAwMDAwMDAwMDAwMDAz/wAARCACnAPsDASIAAhEBAxEB/8QAHwAAAQUBAQEBAQEA
AAAAAAAAAAECAwQFBgcICQoL/8QAtRAAAgEDAwIEAwUFBAQAAAF9AQIDAAQRBRIhMUEGE1Fh
ByJxFDKBkaEII0KxwRVS0fAkM2JyggkKFhcY
</IMAGE_DATA>
</IMAGE>
<IMAGE>
<IMAGE_DATA>
/9j/4AAQSkZJRgABAQEAYABgAAD/4QA6RXhpZgAATU0AKgAAAAgAA1EQAAEAAAABAQAAAFERAA
QAAAABAAAAAFESAAQAAAABAAAAAAAAAAD/2wBDAAIBAQIBAQICAgICFFABRRRQAUUUUAFfnn/
AMFjf+De3wb/AMFc/ix4X8eX3xB8SeAfFXhnS10UT2VnHe29zarPLOgMbMjLIrzS4cPjDDK8ZoooA43
9lr/g0o/ZK+AN3DfeItK8WfFbUYX8wHxPqu20VsAYFvarCjJkE7ZfM5POcDH6K/CH4IeD/wBn/wAE2vh
rwL4X8P8Ag/w/Zf6jTdGsIrG1j9SI41VcnucZPeiigDqaKKKACiiigAooooAKKKKACiiigAooooAKKKKACiii
gAooooAKKKKACiiigD//2Q==
</IMAGE_DATA>
</IMAGE>
<IMAGE>
45 | Version 1.1
<IMAGE_DATA>
/9j/4AAQSkZJRgABAQEAYABgAAD/4QA6RXhpZgAATU0AKgAAAAgAA1EQAAEAAAABAQAA
AFERAAQAAAABAKCAcHCg0KCgsMDAwMBwkODw0MDgsMDAz/2wBDAQIB8SeAfFXhnS10UT2Vn
He29zarPLOgMbMjLIrzS4cPjDDK8ZoooA439lr/g0o/ZK+AN3DfeItK8WfFbUYX8wHxPqu20VsAYFvar
CjJkE7ZfM5POcDH6K/CH4IeD/wBn/wAE2vhrwL4X8P8Ag/w/Zf6jTdGsIrG1j9SI41VcnucZPeiigDqaKK
KACiiigAooooAKKKKACiiigAooooAKKKKACiiigAooooAKKKKACiiigD//2Q==
</IMAGE_DATA>
</IMAGE>
</IMAGE_DETAILS>
</PID_DATA>
</PID>
</CKYC_INQ>
</CKYC_DOWNLOAD_RESPONSE>
3.3 FI Configuration
Institutions should upload their Public key and configure their IP through this interface before
sending the request to the server.
46 | Version 1.1
47 | Version 1.1

CKYC - Secured - Download - API - Ver1.1 Wef 03jan2020

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Central KYC Registry

Secured Download API Document

Table of Contents ............................................................................................................................................. 2

Test Bed URL https://testbed.ckycindia.in/Search/ckycverificationservice/download

Request Type Application/XML

1.2.1 Client side:-

1.2.2 Request format:-

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>

1.3.1 Client side:-

1.3.2 Response Format:-

<?xml version="1.0" encoding="UTF-8"?>

2.1 Web Services Details

2.1.1 Request Parameters

CKYC Download-Request Description Mandatory

2.1.2 Response Parameters

6. Applicant String 50 Optional MNAME

8. Applicant Full String 158 Mandatory FULLNAME

13. Applicant String 158 Optional MAIDEN_FULLNAM

44. Current / String 10 Mandatory/O Should be 6 digits if PERM_PIN

57. Address in String 55 Mandatory/op Mandatory if Flag JURI_LINE1

66. Office Number 4 Optional OFF_STD_CODE

68. Mobile No. Number 3 Optional MOB_CODE

69. Mobile No. Number 10 Optional MOB_NUM

71. Fax No. Number 10 Optional FAX_NO

'01' if section has

'01' if section has

Identity Details <IDENTITY_DETAILS>(corresponding to 30 type record in bulk file format,

99. Identity As per As Mandatory IDENT_NUM

102. Identity Number 2 Mandatory 01- Yes IDVER_STATUS

Related Person Details <RELATED_PERSON_DETAILS>(corresponding to 40 type record in

106. KYC Number Number 14 Mandatory/O Optional if ID added CKYC_NO

122. Simplified Number 20 Optional SIMPLIFIED_NO

158. Branch Code String 11 Optional Branch Code to BRANCH_CODE

2.1.3 Error Messages

The following table lists the error messages

Scenario Error Message

Time difference between Time difference should be less than 5 minutes

Incorrect Date of birth format Please enter date in dd-MM-YYYY format

If Authentication factor type not Please enter Authentication Factor Type

Authentication factor -DOB Please enter Date of Birth in DD-MM-YYYY format

Authentication factor - Mobile Mobile number should be of length 10

Request ID is not numeric Request ID should be numeric

3.1 Sample Request

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>

3.2 Sample Response

<?xml version="1.0" encoding="UTF-8"?><CKYC_DOWNLOAD_RESPONSE>

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