Last Updated on: 21st August 2026 | Last Reviewed on: 21st August 2026
How to Update a CKYC Record
Submit the changed information and supporting documents to a reporting entity with which you maintain an account-based relationship. The entity verifies the change and furnishes the update to CKYCR, which updates the central record.
Legal Position at a Glance
Under Rule 9(1D) of the PML Rules, the reporting entity must generally furnish the update to CKYCR within seven days, or another period notified by the Central Government, and after the update, when CKYCR notifies the reporting entity of an update, that entity must retrieve the updated record and update its own records as per guidelines issued by their regulator, (Rule 9(1H)).
What information can be updated?
The information linked to issuing the KYC identifier that may need updating includes your name, address, contact details, photograph, identity document, nationality, occupation and tax information. Where a person attains majority, reporting entity must update andcomply with the applicable re-verification requirements. Any operational changes to the KIN or the underlying record should be determined in accordance with the currect CKYCR operating procedure. Updates relating to legal entities are discussed separately on the legal entities page.
The update process, step by step
- Approach the reporting entity with which you hold an account-based relationship.
- Submit the updated information and supporting documents.
- The reporting entity verifies the change.
- The entity uploads the update to CKYCR.
- CKYCR updates the central record.
Timelines and duties
The primary timeline is set by the PML Rules. Under Rule 9(1D), a reporting entity must furnish additional or updated customer information to CKYCR within seven days, or within another period notified by the Central Government. The seven-day period applies only to the reporting entity’s submission of the update. It does not prescribe the period within which CKYCR will process the update, when other entities will retrieve it, or when the change will be reflected across all systems. Separately, customers under the RBI KYC framework are expected to keep their records current: the RBI FAQ refers to submitting updated documents within 30 days of a change to the documents given for an account-based relationship, and customers in other sectors are to check their regulator’s guidelines.
What happens after the record is updated
Once a record is updated, CKYCR notifies the reporting entities that the customer details have been updated. On being notified, a reporting entity must retrieve the updated record and update the KYC record maintained in its own system (PML Rules, Rule 9(1H)). A central update does not automatically rewrite every non-KYC field an institution keeps about you, so some institutional detail may still need a separate change.
Does the KIN change after an update?
No. A routine update such as a change of address refreshes the record while the identifier continues to point to the same customer. The identifier can be affected in exceptional cases such as duplicate resolution, deactivation, record mergers or registry corrections, but an ordinary update does not create a new KIN.
Are Your CKYC Updates Being Filed On Time?
Every customer change your business receives has to reach the registry within the prescribed window. We review your update workflow, find the gaps, and help you close them.
Frequently Asked Questions
The route is through a reporting entity with which you hold an account-based relationship, which verifies and uploads the change. Self-editing of the central record is not the mechanism.
Give an updated officially valid document for the new address to an institution you hold an account with. It verifies and uploads the change, and CKYCR updates the central record.
The reporting entity must furnish the update to CKYCR within seven days under Rule 9(1D) of the PML Rules. Reflection across other institutions depends on them retrieving the updated record after CKYCR notifies them under Rule 9(1H).
A reporting entity should update the information with the scanned copy of the supporting documents with the CKYCR within the prescribed time limit.
No. The KIN stays the same; only the new change is incorporated, provided to the CKYCR, and the underlying profile is updated.
About the Author
Pathik Shah
FCA, CAMS, CISA, CS, DISA (ICAI), FAFP (ICAI)
Pathik is a Chartered Accountant with more than 26 years of experience in governance, risk, and compliance. He helps companies with end-to-end AML compliance services, from conducting Enterprise- Wide Risk Assessments to implementing the robust AML Compliance framework. He has played a pivotal role as a functional expert in developing and implementing RegTech solutions for streamlined compliance.
Reach Out to Pathik
