# Download Central KYC Records via OTP: CKYC API | FastKYC

> Download a customer's complete Central KYC record after OTP consent, including verified identity and address data, to onboard without re-collecting documents.

Source: https://www.fastkyc.com/apis/ckyc-download/

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[Finance APIs](/apis/finance/)

# CKYC Download via OTP API

Download a customer's complete Central KYC record after OTP consent, including verified identity and address data, to onboard without re-collecting documents.

[Book a Demo](/book-demo/)

Category

[Finance APIs](/apis/finance/)

Built for

-   [Lending & NBFC](/industries/lending/)
-   [Banking](/industries/banking/)

## What the CKYC Download via OTP API does

CKYC Download via OTP retrieves the full Central KYC record once the customer has authorised release through an OTP, returning verified identity details, address and associated document information.

The data arrives already verified by whichever regulated institution originally performed the KYC. That is the whole point of the registry: verification work done once is reusable across the sector.

## Where teams use the CKYC Download via OTP API

1.  Onboarding with pre-verified KYC data
    
2.  Eliminating document upload for existing CKYC holders
    
3.  Populating customer records from registry data
    
4.  Reducing KYC processing cost and turnaround
    

## Frequently Asked Questions (FAQs)

How current is the record?

It reflects the last update by the institution that maintains it. Long-standing records may carry a stale address.

Can I download without an OTP?

No. Customer authorisation through OTP is required by the registry before release.

Does this replace my own KYC?

It supplies verified data, but your own regulatory obligations and risk policy still determine what is sufficient.

## Related APIs

-   [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.](/apis/ckyc-generate-otp/)
-   [CKYC Search API Search the Central KYC registry with an identity document and retrieve the customer's existing CKYC record, so returning customers skip repeat KYC.](/apis/ckyc-search/)
-   [ITR Download Form 26as API Fetch Form 26AS tax credit statements across assessment years with secure download links for each TDS record, to verify a borrower's declared income.](/apis/itr-download-26as/)
-   [ITR Download API Retrieve a taxpayer's income tax return information, including filing history, status and secure document links, to verify income for lending.](/apis/itr-file-download/)

## Guides on the CKYC Download via OTP API

-   [GuideCKYCRR 2.0 Explained: What’s Changing in Central KYCCKYCRR 2.0 is the upgraded Central KYC system with real-time APIs, OTP consent and mandatory Aadhaar masking.](/blog/ckycrr-2-0-explained/)

## Start verifying with the CKYC Download via OTP API

Book a walkthrough and we will show the call, the response and how it fits your onboarding flow.

[Book a Demo](/book-demo/) [Browse All APIs](/apis/)

-   One API key for every check
-   Verified against official Indian records
-   Built for onboarding at scale