CKYC Documents List: What You Need to Submit?

You need to complete the CKYC application form provided by the financial institution. It generally collects details such as your:

• Full name
• Date of birth
• Gender
• Residential address
• Occupation
• Tax residency
• Mobile number
• Email address

The information entered in the form should match your supporting documents. Differences in your name, date of birth or address may delay verification.

2. PAN (Permanent Account Number) or Form 97

You will generally need to provide your PAN. If you do not have PAN, you may submit Form 97 where the applicable rules permit it. Form 97 replaced the earlier Form 60 from 1 April 2026 under the Income-tax Rules, 2026. Form 97 is a declaration relating to the absence of PAN. It is not a substitute for an identity or address document. You will still need to provide an accepted document to establish your identity and address.

3. Officially Valid Document

You can generally submit any one of the following officially valid documents:

• Passport
• Driving licence
• Proof of possession of Aadhaar number
• Voter ID issued by the Election Commission of India
• NREGA job card signed by an authorised State Government officer
• Letter issued by the National Population Register containing your name and address

The document should be valid and contain the required identity and address details. Aadhaar is one of the accepted options, but it is not compulsory in every case. You can use another officially valid document accepted under the applicable KYC rules.

4. Recent Photograph

You may need to provide a recent passport-size photograph. The photograph should be clear and reflect your current appearance. If you complete CKYC through a digital or video-based process, the institution may capture your photograph during verification.

5. Signature or Thumb Impression

You will need to sign the CKYC form and provide a specimen signature where requested. A thumb impression may also be accepted through the prescribed process. The institution may ask you to self-attest copies of your documents. It may also require you to present the originals or use permitted electronic documents for verification.

What Additional Documents You May Need for CKYC?

Additional documents may be required depending on your circumstances.

• If your official document has an old address, you can use a recent utility bill, tax receipt, pension order, or eligible employer document to prove your current address. You may need to provide an updated official document later.
• If there is name mismatch or you have changed your name legally, you may need to submit a Gazette notification and for name change after marriage you have to submit a State Government-issued marriage certificate along with the document carrying your previous name.
• For a minor, the institution may request proof of age and the KYC documents of the parent or legal guardian. NRIs, PIOs and foreign nationals may need to provide passport, visa, overseas address and residency documents. The certification requirements may also differ.

When updating an existing CKYC record, you should provide the document supporting the change in your name, address, contact details or other personal information.

How to Submit Your CKYC Documents?

You can normally submit your documents through a regulated financial institution rather than approaching CERSAI directly. The process generally involves the following steps:

• Complete the CKYC application form
• Submit the required documents and photograph
• Complete physical, digital or video-based verification
• Allow the institution to upload your verified information to CKYCR
• Receive your KYC Identifier after the record is created

Verification may be completed using physical documents, DigiLocker, Aadhaar-based verification, video KYC or another permitted method offered by the institution.

CKYC Documents and Product-Specific Documents

The standard CKYC documents establish your identity and address. However, the institution may need additional information for the financial product you are applying for.

It may request:

• Income proof
• Occupation or business details
• Source-of-funds information
• Bank statements
• Tax-residency declaration
• FATCA or CRS declaration
• Product-specific application forms

These documents are not necessarily part of the basic CKYC list. They may be required for the account, investment, insurance policy or loan.

What to Check Before CKYC Submission?

Before submitting your CKYC application, check that:

• Your name is consistent across the documents
• Your date of birth is correct
• Your current address is complete
• Your documents have not expired
• Your photograph is recent
• The copies are clear and self-attested where required
• Your mobile number and email address are active
• You are using Form 97 only if it applies to you

Correct and consistent information can reduce requests for clarification or resubmission.

Final Thoughts

For CKYC, you will generally need a completed application form, PAN or Form 97 where permitted, an officially valid identity and address document, a recent photograph and your signature or thumb impression.

Additional documents may be required if your address has changed, you are applying for a minor or you have a special residency status. Checking the institution’s requirements before submitting your application can help you complete the process without unnecessary delays.

Disclaimer:

The contents herein are only for informational purposes and generic in nature. The content does not amount to an offer, invitation or solicitation of any kind to buy or sell, and are not intended to create any legal rights or obligations. This information is subject to updation, completion, amendment and verification without notice and the same should not be construed as investment advice, financial advice, legal advice, tax advice or any other form of professional advice or opinion. Please obtain professional advice before making investment or any other decisions. Any investment decisions that may be made by the you shall be at your own sole discretion, independent analysis and evaluation of the risks involved. The use of any information set out in this document is entirely at the user’s own risk.  Ujjivan Small Finance Bank Limited makes no representation or warranty, express or implied, as to the accuracy and completeness for any information herein. The Bank disclaims any and all liability for any loss or damage (direct, indirect, consequential, or otherwise) incurred by you due to use of or due to investment, product application decisions made by you on the basis of the contents herein. While the information is prepared in good faith from sources deemed reliable (including public sources), the Bank disclaims any liability with respect to accuracy of information or any error or omission or any loss or damage incurred by anyone due to any deficiency, defect, error, inaccuracy or incompleteness or other reason whatsoever in this document, even if the possibility of such loss or damage has been advised in advance.

All copyrights, trademarks, and other proprietary rights, pertaining to the content and materials displayed herein, belong to Ujjivan Small Finance Bank Limited or its licensors. Unauthorised use or misuse of any intellectual property, or other content displayed herein is strictly prohibited and the same is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would (by reason of that person’s nationality, residence or otherwise) be contrary to law or registration or would subject Ujjivan Small Finance Bank Limited or its affiliates to any licensing or registration requirements.

Explore Our Products