CKYC Search & Download

Identity & KYC

Look up an existing central KYC record and reuse it with consent.

Search the Central KYC Registry by PAN or other identifier, confirm a record exists and, with the customer's consent, download the verified KYC record. Skip repeat document collection for customers who have already been KYC'd.

Endpoint

POST https://app.emver.io/api/sandbox/v1/ckyc-search

Authorization: Bearer YOUR_API_KEY

Content-Type: application/json

Accept: application/json

Request parameters

Field	Type	Description
`p_a_n_or_other_i_d_number` required	string	PAN or other ID number
`date_of_birth` optional	string	Date of birth
`customer_authorisation_for_download` optional	string	Customer authorisation for download

Example request

cURL

curl -X POST https://app.emver.io/api/sandbox/v1/ckyc-search \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -d '{
    "p_a_n_or_other_i_d_number": "string",
    "date_of_birth": "string",
    "customer_authorisation_for_download": "string"
}'

import requests

response = requests.post(
    "https://app.emver.io/api/sandbox/v1/ckyc-search",
    headers={
        "Authorization": "Bearer YOUR_API_KEY",
        "Accept": "application/json",
    },
    json={
        "p_a_n_or_other_i_d_number": "string",
        "date_of_birth": "string",
        "customer_authorisation_for_download": "string"
    },
    timeout=60,
)
response.raise_for_status()
data = response.json()

const response = await fetch("https://app.emver.io/api/sandbox/v1/ckyc-search", {
  method: "POST",
  headers: {
    "Authorization": "Bearer YOUR_API_KEY",
    "Content-Type": "application/json",
    "Accept": "application/json",
  },
  body: JSON.stringify({
      "p_a_n_or_other_i_d_number": "string",
      "date_of_birth": "string",
      "customer_authorisation_for_download": "string"
  }),
});

const data = await response.json();

$response = Http::withToken('YOUR_API_KEY')
    ->acceptJson()
    ->post('https://app.emver.io/api/sandbox/v1/ckyc-search', {
        "p_a_n_or_other_i_d_number": "string",
        "date_of_birth": "string",
        "customer_authorisation_for_download": "string"
    });

$data = $response->json();

Replace YOUR_API_KEY and the placeholder values. Use the switch above to see production URLs.

Response

Structure · 200

{
  "status": INTEGER,
  "message": STRING,
  "data": {
    "c_k_y_c_record_found": STRING,
    "c_k_y_c_identifier": STRING,
    "k_y_c_record_with_identity_and_address_details_on_download": STRING,
    "record_update_date": STRING
  }
}

Example · 200

{
  "status": 200,
  "message": "string",
  "data": {
    "c_k_y_c_record_found": "string",
    "c_k_y_c_identifier": "string",
    "k_y_c_record_with_identity_and_address_details_on_download": "string",
    "record_update_date": "string"
  }
}

Error · 4xx / 5xx

{
  "status": INTEGER,
  "message": STRING
}

See Errors & status codes for what each status means and which calls are billed.

About this API

Most financial customers already have a KYC record in the central registry. The CKYC Search & Download API checks for a record, returns the CKYC identifier and lets you pull the full record once the customer authorises it, cutting onboarding from days of paperwork to a single consent step.

Regulated entities use it both to onboard faster and to satisfy the obligation to check the registry before creating a fresh record.

Consent. Searching confirms existence only. Downloading the record requires the customer's authorisation, which is captured and stored with the request.

Typical uses

Bank and NBFC onboarding. Instant KYC for customers already in the registry.
Broking and mutual funds. Reuse KYC across financial products.
Insurance issuance. Verified identity and address for policy proposals.
Periodic KYC refresh. Confirm records are current during re-KYC cycles.

Questions

Who can use this API?: Entities registered with the central KYC registry. emver enables it per organisation after eligibility is confirmed.
What if no record exists?: The search returns a clear negative, and you proceed with Aadhaar eKYC or DigiLocker to create the KYC.