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I had completed my KYC when I opened my bank account, why do I have to redo the same while opening account with Zerodha?

The KYC process followed by the bank and broker is different. Broking firms must follow the KYC registration process via KRA, but banks follow CKYC registration via the Central KYC Agency.


  1. KYC is limited to SEBI intermediaries, whereas CKYC is universal for the Banking, financial services and insurance (BFSI) sectors.
  2. KYC is identified with the PAN number. However, CKYC is identified by a 14 digit number (CKYC number).

The KYC is created/ fetched with us during the account opening, and you need not follow any separate process.