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Request access
Search the Central KYC Registry by PAN or other identifier, confirm a record exists and, with the customer's consent, download the verified KYC record. Skip repeat document collection for customers who have already been KYC'd.
Your application sends
emver API
Validates the request, queries the source, normalises the answer and logs the call. Billed only on success.
Verified with
Central KYC Registry
You receive
Most financial customers already have a KYC record in the central registry. The CKYC Search & Download API checks for a record, returns the CKYC identifier and lets you pull the full record once the customer authorises it, cutting onboarding from days of paperwork to a single consent step.
Regulated entities use it both to onboard faster and to satisfy the obligation to check the registry before creating a fresh record.
Consent is part of the contract
Searching confirms existence only. Downloading the record requires the customer's authorisation, which is captured and stored with the request.
Look up an existing central KYC record and reuse it with consent.
Reuse verified KYC instead of collecting documents again.
Checks the registry before a new record is created, as required.
Identity, address and photo in one download.
Authorisation stored alongside the download.
Where the CKYC Search & Download API is typically called, and what it settles there.
Instant KYC for customers already in the registry.
Reuse KYC across financial products.
Verified identity and address for policy proposals.
Confirm records are current during re-KYC cycles.
Request and response details, environments and a ready-to-import collection are in the developer console.
Call with your organisation API key. Sandbox and production use the same contract.
PAN or other ID number as a JSON body. Optional fields sharpen the match.
emver queries the authoritative record, normalises the answer and logs the request.
A verification status plus the fields listed above, in the same response envelope as every other API.
Privacy and security built in
Consent recorded · Payloads not retained beyond your retention window · Every request traceable
FAQ
What teams ask before adding the CKYC Search & Download API to their integration.
Entities registered with the central KYC registry. emver enables it per organisation after eligibility is confirmed.
The search returns a clear negative, and you proceed with Aadhaar eKYC or DigiLocker to create the KYC.
Usually called with the CKYC Search & Download API, on the same key.
Identity & KYC
Full Aadhaar eKYC with a one-time password on the registered mobile.
Identity & KYC
Validate a PAN, match the name and confirm it is active with the tax department.
Identity & KYC
Let the person share government-issued documents with consent, verified at source.
Tell us which APIs and what monthly volume. We set up your organisation, approve the APIs with demo hits and share per-call pricing.