Understanding KYC Batch Upload Process Version 1 1

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 ou p eu Branch 4 Fil loa hr dt If gh b we CKYC Application e sit aded plo file u t gh hrou site web FI pulls r File Dump In SFTP Folder esponse file from Dump f SFTP ser ile in SF TP fold ver 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 Data and Images Immediate Response file Validation Failure with errors • Rectify the errors • Re-upload the records in new file Confirm Match (ID) CKYC identifier • Record already exists • Download record on the basis of CKYC identifier and DOB Success Record Temporary Reference no • Record successfully accepted • Note temporary reference number 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 Detailed Response Stage 2 Balance Check 3 Deduplication Action at FI end >> Refill the amount in wallet 3 Confirm Match(Download) 4 Probable Match 2 Reject 4 ID Authentication 5 ID not confirm 5 KYC number generation 1 Success >> CKYC number already exists, download the same >> Download FI recon file and take decision >> FI Recon TAT lapsed, upload record rejected >> Rectify the Name/ID details and Re-upload the records in new file >> KYC number generated, no further action required

Periodic Response • Upload Scenarios Scenario Request Type Response Type Record Status CKYC number Insufficient balance 01 – New 02 - Insufficient Balance N/A Post De-dupe probable match 01 -New 03 -Post Deduplication 03 - Download CKYC No. Post Dedupeconfirmed match 01 - New 03 -Post Deduplication 04 - Probable match N/A Post confirmation with ID issuer –ID not confirmed 01 - New 04 - Post confirmation with ID issuer 05 - ID not confirmed N/A Post Probable match recon – confirmed match 01 - New 03 - Post Deduplication 03 - Download CKYC No. Post probable match recon FI resolution recon TAT lapsed 01 - New 03 - Post Deduplication 02 - Reject N/A KYC Generation 01 - New 05 - Post KYC Generation 01 - Success CKYC No. FI action

Periodic Response • Update Scenarios Scenario Request Type Response Type Record Status CKYC number Insufficient balance 03 - Update 02 - Insufficient Balance N/A Name/ ID update 03 - Update 04 - Post confirmation with ID issuer 05 - ID not confirmed N/A Probable match recon 03 - Update 03 - Post Deduplication 04 - Probable match N/A Confirmed match post FI recon 03 - Update 03 - Post Deduplication 03 - Download CKYC No. Update confirmed 03 - Update 05 - Post KYC Generation 01 - Success N/A Update post probable match recon 03 - Update 03 - Post Deduplication 02 - Reject N/A FI action

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