Understanding

KYC Batch Upload Process

Version 1.1
 Background

• Financial Institution (FI) can upload KYC

records in CKYC application through
screen based single entry as well as
through batch upload facility.
o Web portal – Maximum 20 records in single
file
o SFTP- upto 10 GB file
• A digitally signed zip file containing
metadata (in pipe separated TXT file) and
images (customer wise separate zip
folder)
 Benefits of Batch Upload

• Avoiding duplication of work:

o Entering KYC data in CKYC portal as well as in
back office software
• Better user management:
o No need of procuring branch level digital
signatures for users. With minimum two
users for CKYC portal all CKYC operations can
be handled
• MIS reports and better control
o Automated processing system can be
developed by the FI for better understanding
of KYC status and auto processing of KYC
records.
 Batch upload work flow
Branch 1

Branch 2

Branch 3

ite CKYC Application

ebs
w
u gh site
th r
o h web
d roug
loa ed th
Branch 4 u p up load
Fil
e If file

File
Dump
In SFTP
Folder
FI pulls r
esponse
file from SFT
P server
Dump fi
le in SF
TP fold
er
INPUT RESPONSE
FI Central Server

SFTP Server
 Pre-requisites

• SFTP Setup
o FI’s public IP should be whitelisted at CERSAI
end.
o CKYC’s public IP should be whitelisted at FI’s
end
o SFTP client (File Zilla or Winscp) application
should be installed at FI end
o Credentials required for to login in SFTP
folder
• Zip file signer application should installed
at FI end.
 File Uploading Process

• Maker Process
o Through CKYC web portal
• Login by maker and file upload (KYC
Management Bulk KYC Upload)
• In case of issue in final naming, system will
prompted error messages
o Through SFTP process
• Login in CKYC SFTP folder
• Uploading file in ‘input’ folder
• Once file copied successfully, upload trigger
file in ‘input folder
• In case of issue in final naming, system will
error message file in ‘response’ folder
 File Uploading Process
• Checker Process
o Successful batch file(s) uploaded through CKYC
portal or SFTP server will be listed in KYC
Management  Bulk KYC Authorization page
o Checker shall authorized the bulk upload file.
• Processing
o CKYC system will process the records (validation,
Balance check, de-duplication, ID authentication,
KYC no generation)
o After processing user may download following
response files from SFTP folder or CKYC portal (LINK)
• Immediate Response
• Periodic Response file
 Immediate Response file
(Stage 1)
• Batch wise file will be generated after the
checker authentication
File containing Immediate Response file
Data and Images
Validation Failure • Rectify the errors
with errors • Re-upload the records in new file

Confirm Match (ID) • Record already exists

• Download record on the basis of
CKYC identifier CKYC identifier and DOB

Success Record • Record successfully accepted

• Note temporary reference number
Temporary Reference no
for future communication
 Periodic Response

• Successful records will be go through

following process cycle
o Stage 2 – Balance availability check
o Stage 3 – Post de-duplication verification
o Stage 4 – Post ID authentication
o Stage 5 – KYC number generation
• Periodic response file contains status of record
at that point of time where FI
intervention/action requires to complete KYC
generation process.
• Total 10 periodic response files will be
generated in a day
 Periodic Response

• Important points
o Batch number will be available at record no
o FI reference number (customer ID at FI end)
and temporary reference number generated
by CKYC application record will be available
o Latest status of the uploaded recorded will be
provided in the period response file
o FI may store the latest status of KYC and take
required action
o Once record flagged with any status in a per,
it will not repeat until status of same record
is not getting change.
 Periodic Response

Stage Detailed Response Action at FI end

2 Balance Check >> Refill the amount in wallet

3 Confirm Match(Download) >> CKYC number already exists, download the same

3 Deduplication 4 Probable Match >> Download FI recon file and take decision

2 Reject >> FI Recon TAT lapsed, upload record rejected

ID >> Rectify the Name/ID details and Re-upload the

4 Authentication 5 ID not confirm
records in new file

KYC number >> KYC number generated, no further action

5 generation 1 Success
required
 Periodic Response
• Upload Scenarios
Scenario Request Response Record CKYC FI action
Type Type Status number
Insufficient 01 – New 02 - Insufficient N/A N/A
balance Balance
Post De-dupe 01-New 03-Post De- 03- Download CKYC No.
probable match duplication

Post Dedupe- 01- New 03-Post De- 04- Probable N/A

confirmed match duplication match

Post confirmation 01- New 04- Post 05- ID not N/A

with ID issuer –ID confirmation with confirmed
not confirmed ID issuer

Post Probable 01- New 03- Post De- 03- Download CKYC No.
match recon – duplication
confirmed match

Post probable 01- New 03- Post De- 02- Reject N/A
match recon FI duplication
resolution recon
TAT lapsed

KYC Generation 01- New 05- Post KYC 01- Success CKYC No.
Generation
 Periodic Response
• Update Scenarios
Scenario Request Response Record CKYC FI action
Type Type Status number
Insufficient 03- Update 02 - Insufficient N/A N/A
balance Balance

Name/ ID 03- Update 04- Post 05- ID not N/A

update confirmation confirmed
with ID issuer

Probable match 03- Update 03- Post De- 04- Probable N/A
recon duplication match

Confirmed 03- Update 03- Post De- 03- Download CKYC No.
match post FI duplication
recon

Update 03- Update 05- Post KYC 01- Success N/A

confirmed Generation

Update post 03- Update 03- Post De- 02- Reject N/A
probable match duplication
recon
Thank you