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KYC Centre

CKYC / KYC for Mutual Funds: Complete & Download the Form

Everything about mutual fund KYC and CKYC — what they mean, the difference, documents required, how to complete it online or offline, how to check your KYC status, and the official KYC application form to download.

⬇ Download KYC Form (Official)
Last updated: June 2026 · Reviewed by Binod Kumar Shukla, AMFI Registered MF Distributor (ARN-50844)
On this page
  1. What is KYC & CKYC?
  2. KYC vs CKYC
  3. KYC status types
  4. Documents required
  5. Complete KYC online
  6. Complete KYC offline
  7. Check your status
  8. Re-KYC
  9. FAQs
  10. Related forms

What is KYC & CKYC?

KYC (Know Your Customer) is the one-time identity and address verification you must complete before investing in any mutual fund in India. It's a SEBI requirement under anti-money-laundering rules, and once done, it's valid across all fund houses.

CKYC (Central KYC) takes this further: your verified details are stored in a central registry run by CERSAI, and you receive a unique 14-digit CKYC identifier. With CKYC, your verification can be reused across mutual funds, banks, insurance and other financial products — without repeating the whole process each time.

In shortKYC is mandatory and one-time. CKYC gives you a portable 14-digit ID so the same verification works across the financial system.

KYC vs CKYC — the difference

KYC (via KRA)CKYC (via CERSAI)
Stored atKYC Registration Agency (CAMS, KFintech, CVL, NSE)Central KYC Registry (CERSAI)
IdentifierPAN-based KYC recordUnique 14-digit CKYC number
ReuseAcross mutual funds & securitiesAcross banks, insurance, MFs & more
Best forMutual fund investingWider financial onboarding

KYC status types you should know

After recent SEBI norms, KRAs validate four attributes — PAN, name, address and email/mobile — against official databases. Your KYC then falls into one of these:

  • KYC Validated: verified against Aadhaar and official databases — you can invest in any fund with no issues.
  • KYC Registered: you can continue in funds where you already invest, but for a brand-new fund house you may need to re-verify (ideally with Aadhaar).
  • KYC On-Hold / Rejected: something didn't validate (e.g. mobile/email or document). You must fix it before transacting.
Aadhaar-based KYC is the safest routeDoing KYC with Aadhaar moves you to "Validated" status, which lets you invest freely across all fund houses. KYC based only on utility bills may face restrictions.

Documents required

🆔 PAN card
📇 Aadhaar card
📸 Photograph
✍️ Signature
📱 Aadhaar-linked mobile
📧 Email ID

How to complete KYC online (eKYC)

  1. Choose a KRA or AMC portal: Use a SEBI-authorised KRA (CAMS, KFintech, CVL or NSE) or any fund house's KYC page.
  2. Enter PAN: The system checks if you're already KYC-compliant.
  3. Aadhaar verification: Validate via Aadhaar — using DigiLocker or Aadhaar XML — with PAN.
  4. OTP authentication: Enter the OTP sent to your Aadhaar-linked mobile and email.
  5. In-Person Verification (IPV): A short video/IPV step may be required, done by a certified intermediary.
  6. Done: eKYC typically completes in about 3–4 working days, often faster.

How to complete KYC offline

  1. Download & fill the form: Use the uniform KYC application form (link above), in English and block letters.
  2. Attach documents: Self-attested copies of PAN and Aadhaar, plus a photograph.
  3. IPV: In-person verification by an AMFI/NISM-certified person at a bank, AMC or RTA.
  4. Submit: Hand it in at a CAMS/KFintech service centre, the AMC, or via your distributor.
I can do this for youAs your AMFI-registered distributor, I can complete your IPV and submit your KYC — start to finish — so you're investment-ready quickly.

How to check your KYC status

Visit any KRA or RTA website, enter your PAN, and your status (Validated / Registered / On-Hold) will display. Common official checkpoints:

When is Re-KYC needed?

KYC is subject to periodic review. You may need re-KYC if your status is On-Hold/Rejected, your details have changed (address, mobile, email), or your earlier KYC was based on documents now restricted. Updating to an Aadhaar-validated KYC keeps your investing uninterrupted.

Frequently asked questions

Is KYC mandatory for mutual funds?
Yes. Since 2012, KYC is mandatory for all mutual fund investors. A KYC-compliant PAN is required before you can transact.
What is the difference between KYC and CKYC?
KYC is verification stored with a KRA for securities; CKYC stores it centrally with CERSAI and gives you a 14-digit ID reusable across banks, insurance and mutual funds.
What is a CKYC number?
It's a unique 14-digit identifier issued by the Central KYC Registry (CERSAI) that links your verified KYC details for reuse across financial institutions.
Is KYC a one-time process?
Yes, largely. Once Validated, you can invest across fund houses. Periodic re-KYC may be needed if details change or status goes On-Hold.
What does KYC Validated mean?
It means your PAN, name, address and contact were verified against official databases (including Aadhaar). You can invest in any fund without further KYC.
What does KYC Registered mean?
You can continue in funds where you already invest, but a brand-new fund house may ask you to re-verify, ideally using Aadhaar to move to Validated.
What if my KYC is On-Hold?
Fix the flagged reason (often mobile/email or document) on a KRA/AMC portal. Once it changes to Registered/Validated, you can transact again.
Can I do KYC online?
Yes. eKYC via a KRA or AMC portal uses Aadhaar and OTP, and usually completes in about 3–4 working days.
Which documents do I need?
PAN, Aadhaar, a photograph, signature, and an Aadhaar-linked mobile and email for OTP verification.
What is IPV?
In-Person Verification — a mandatory check of your identity by an AMFI/NISM-certified intermediary, which can be done in person or via video.
Which KRAs handle mutual fund KYC?
SEBI-authorised KRAs include CAMS KRA, KFintech (Karvy) KRA, CVL KRA and NSE KRA. You can use any of them.
Do NRIs need KYC?
Yes. NRIs must complete KYC (and FATCA), typically with passport, overseas address proof and PAN, subject to each AMC's policy.
Is Aadhaar mandatory for KYC?
Aadhaar-based KYC is strongly recommended as it gives Validated status. Post recent norms, Aadhaar and PAN authentication is central to KYC validation.
How long does KYC take?
Online eKYC is usually 3–4 working days; offline KYC may take around 10 working days for the KRA confirmation.
Can I invest while KYC is in process?
Generally no — your PAN must be KYC-compliant first. Existing investors with On-Hold status may still be allowed to redeem, subject to rules.
Can you complete my KYC for me?
Yes. As your AMFI-registered distributor (ARN-50844), I can guide your eKYC or complete IPV and submit your KYC.
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Reviewed by Binod Kumar Shukla

AMFI Registered Mutual Fund Distributor (ARN-50844) with 20+ years of experience helping investors across Delhi NCR complete KYC, CKYC and start investing.

SIP Form → Common Application Form → NACH / OTM Mandate → FATCA / CRS Form → Nomination Form → Explore Mutual Funds →

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Disclaimer: This page is for investor education. KYC/CKYC must be completed through SEBI-authorised KRAs or fund houses; the official forms and portals are linked above. Mutual fund investments are subject to market risks; read all scheme related documents carefully.

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