CKYC Generate OTP API
Send an OTP to the customer's CKYC-registered mobile number to authorise download of their Central KYC record, the first step of a consented CKYC fetch.
Overview
What the CKYC Generate OTP API does
CKYC Generate OTP sends a one-time password to the mobile number registered against the customer's CKYC record, beginning the consent step required before the full record can be downloaded.
The OTP is not a formality. CKYC records contain verified identity data, and the registry requires proof that the customer authorised its release before any institution can retrieve it.
Built for
Use cases
Where teams use the CKYC Generate OTP API
Capturing customer consent before a CKYC download
Meeting registry authorisation requirements
Verifying the customer controls the registered mobile number
Frequently Asked Questions (FAQs)
Related APIs
- CKYC Download via OTP APIDownload a customer's complete Central KYC record after OTP consent, including verified identity and address data, to onboard without re-collecting documents.
- CKYC Search APISearch the Central KYC registry with an identity document and retrieve the customer's existing CKYC record, so returning customers skip repeat KYC.
- EPFO Generate OTP APISend an OTP to the employee's EPFO-registered mobile number to begin a consented provident fund verification of their employment and UAN details.
- Credit Report CIBIL APIFetch a customer's CIBIL credit score and full credit report using their PAN and mobile number, for instant lending decisions.
Start verifying with the CKYC Generate OTP API
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- One API key for every check
- Verified against official Indian records
- Built for onboarding at scale