KYC full form is Know Your Customer. KYC ek mandatory verification process hai jisme financial institutions aur businesses apne customers ki identity aur address verify karte hain — money laundering aur fraud rokne ke liye.
Quick Answer: KYC = Know Your Customer
KYC ka Full Form Kya Hai?
| Short Form | Full Form |
|---|---|
| KYC | Know Your Customer |
KYC Kya Hota Hai?
Know Your Customer (KYC) ek regulatory requirement hai jo RBI, SEBI, IRDAI, aur other regulators impose karte hain. Banks, mutual funds, insurance companies, crypto exchanges — sab KYC karte hain.
KYC ka main purpose:
- Money laundering rokna — black money ko white banana prevent karna
- Terrorist financing rokna
- Identity fraud prevent karna
- Customer due diligence — financial crime risk assess karna
KYC Kab Zaroori Hai?
- Bank account opening — savings, current, FD
- Mutual fund investment — koi bhi amount
- Stock market / Demat account — mandatory
- Insurance policy — life, health, vehicle
- Loan application — home, personal, vehicle
- SIM card — new connection
- Crypto exchange — regulated platforms
- PPF / NPS account — government schemes
KYC Documents (India)
| Document Type | Accepted Documents |
|---|---|
| Identity Proof | Aadhaar, PAN, Passport, Voter ID, Driving License |
| Address Proof | Aadhaar, Electricity bill, Bank statement, Rent agreement |
| PAN | Mandatory for financial transactions ₹50,000+ |
| Photo | Recent passport size photograph |
KYC ke Types
1. Physical KYC (Offline)
In-person verification — documents ki self-attested copies submit karni hoti hain ya originals show karne padte hain.
2. eKYC (Digital)
Aadhaar-based digital verification. OTP ya biometric (fingerprint/iris) se turant verify hota hai. RBI-approved eKYC instant account opening allow karta hai.
3. Video KYC (V-CIP)
Video Call Identity Verification — bank agent se live video call pe documents show karte ho aur questions answer karte ho. COVID ke baad ye popular hua.
4. Central KYC (CKYC)
CERSAI ka centralized KYC registry. Ek baar CKYC ho jaaye toh dobaara documents submit karne ki zarurat nahi — same CKYC number sab jagah use hota hai.
eKYC Process Kaise Hota Hai?
Aadhaar Number Enter Karein
App ya website pe apna 12-digit Aadhaar number enter karo.
OTP Verify Karein
Registered mobile pe OTP aayega — enter karo.
UIDAI Authentication
System UIDAI se real-time verify karta hai ki Aadhaar number aur OTP match karta hai ya nahi.
KYC Complete
Successful authentication ke baad aapka naam, photo, aur address UIDAI se fetch ho jaata hai — documents upload ki zarurat nahi.
CKYC Number Kaise Pata Karein?
CERSAI portal (ckycindia.in) pe PAN number se search karo — aapka 14-digit CKYC number milega.
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