**Executive Summary**
This notification, issued by the Ministry of Finance on October 16, 2025, outlines modifications to the Prevention of Money-laundering (Maintenance of Records) Rules, 2005. It applies to reporting entities defined as intermediaries under the Securities and Exchange Board of India (KYC Registration Agency) Regulations, 2011, giving them options to upload and retrieve KYC records. The notification is effective immediately.
**Key Points / Main Content**
* **KYC Record Upload Options:**
* Reporting entities can upload KYC records to the Central KYC Records Registry (CKYCRR) directly or through a KYC Registration Agency (KRA).
* KYC information uploaded to a KRA by a reporting entity and subsequently uploaded by the KRA to the CKYCRR is considered as being uploaded by the reporting entity for rule 9(1A) purposes.
* **KYC Updates via KRA:**
* Additional or updated KYC information uploaded via KRA to CKYCRR is considered as uploaded by the reporting entity for rule 9(1D) purposes.
* The CKYCRR's notification of updates to the KRA will be considered as the CKYCRR informing the reporting entity of the update for rule 9(1D) purposes.
* **KYC Record Retrieval:**
* Reporting entities may retrieve KYC records from CKYCRR directly or through KRA for rule 9(1C) purposes.
**Impact Analysis**
**Reporting Entities (Intermediaries)**
* **Impact:** Provides flexibility in how KYC records are uploaded and updated on the CKYCRR.
* **Action Required:** Choose whether to upload KYC records directly to the CKYCRR or through a KRA; adapt procedures to align with the updated rules regarding KYC record management and retrieval.
**KYC Registration Agencies (KRAs)**
* **Impact:** Continued role in facilitating KYC record uploads to the CKYCRR on behalf of reporting entities.
* **Action Required:** Ensure compliance with the updated regulations.
**Central KYC Records Registry (CKYCRR)**
* **Impact:** Plays a central role in the management and dissemination of KYC records to reporting entities and KRAs.
* **Action Required:** Ensure its systems can handle both direct uploads from reporting entities and uploads through KRAs; adhere to update notification protocols.
Key Entities Referenced
Prevention of Money-laundering (Maintenance of Records) Rules, 2005: This notification concerns amendments to these rules.
Securities and Exchange Board of India {KYC (Know Your Client) Registration Agency} Regulations, 2011: This notification impacts reporting entities as defined within these regulations.
Central KYC Records Registry (CKYCRR): The notification allows reporting entities to upload KYC records to CKYCRR directly or through KYC Registration Agencies.
KYC Registration Agency (KRA): The notification allows reporting entities to upload KYC records to CKYCRR through KRAs.
Ministry of Finance (Department of Revenue): The publisher of this notification.
रजिस्ट्री स.ं डी.एल.- 33004/99 REGD. No. D. L.-33004/99
सी.जी.-डी.एल.-अ.-16102025-266971
CG-DLxx-xEG-I1D6H1x0x2x0 25-266971
xxxGIDExxx
असाधारण
EXTRAORDINARY
भाग II—खण् ड 3—उप-खण्ड (ii)
PART II—Section 3—Sub-section (ii)
प्राजधकार स ेप्रकाजित
PUBLISHED BY AUTHORITY
स.ं 4568] नई दिल्ली, बृहस्ट्प जतिार, अक्त बू र 16, 2025/आजि न 24, 1947
No. 4568] NEW DELHI, THURSDAY, OCTOBER 16, 2025/ASVINA 24, 1947
जित्त मत्रं ालय
(रािस्ट्ि जिभाग)
अजधसचू ना
नई दिल्ली, 16 अक् तूबर, 2025
का.आ. 4697(अ).— केंद्रीय सरकार, धन िोधन जनिारण (अजभलेखों का रखरखाि) जनयम, 2005 के जनयम 9क
के उपजनयम (2) के खडं (ि) के उपखंड (ii) के अनुसरण म,ें जिजनयामक के परामिश से, यह अजधसूजचत करती ह ैदक धन िोधन
जनिारण (अजभलेखों का रखरखाि) जनयम, 2005 के जनयम 9 के उपजनयम (1क), उपजनयम (1ग) और उपजनयम(1घ) के
उपबंध, भारतीय प्रजतभूजत और जिजनमय बोडश {केिाईसी (अपने ग्राहक को िान)ें रजिस्ट्रीकरण अजभकरण} जिजनयम, 2011
के जिजनयम 2 के उपजिजनयम (1) के खडं (च) में यथा पररभाजित "मध्यिती के अथश म"ें ररपोर्टिंग सत्ताओं के िग श पर
जनम्नजलजखत संिोधनों के साथ लाग ूहोंगे, अथाशत:् --
(क) उक्त ररपोर्टिंग सत्ताओंके पास केंद्रीय केिाईसी ररकॉडश रजिस्ट्री (सीकेिाईसीआरआर) पर सीधे या "केिाईसी
रजिस्ट्रीकरण अजभकरण" (केआरए) के माध्यम से केिाईसी ररकॉडश अपलोड करन े का जिकल्प होगा, िैसा
भारतीय प्रजतभूजत एिं जिजनमय बोडश {केिाईसी (अपने ग्राहक को िानें) रजिस्ट्रीकरण अजभकरण} जिजनयम,
2011 के जिजनयम (2) के उपजिजनयम (1) के खडं (ि) म ें पररभाजित दकया गया ह;ै केआरए के साथ
ररपोर्टिंग इकाई द्वारा अपलोड की गई और बाि म ें केआरए द्वारा सीकेिाईसीआरआर पर अपलोड की गई
6913 GI/2025 (1)2 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II—SEC. 3(ii)]
केिाईसी िानकारी को जनयम 9 के उपजनयम (1क) के प्रयोिनों के जलए सीकेिाईसीआरआर पर ररपोर्टिंग
सत्ताओं द्वारा अपलोड दकया गया समझा िाएगा;
(ख) केआरए के साथ ऐसी दकसी ररपोर्टिंग सत्ता द्वारा अपलोड दकए गए और बाि में केआरए द्वारा
सीकेिाईसीआरआर पर अपलोड दकए गए केिाईसी ररकॉडश के संबंध में अजतररक्त या अद्यतन िानकारी को
जनयम 9 के उपजनयम (1घ) के प्रयोिनों के जलए सीकेिाईसीआरआर पर ररपोर्टिंग सत्ता द्वारा अपलोड
समझा िाएगा और सीकेिाईसीआरआर द्वारा केआरए को केिाईसी ररकॉडश के संबंध में अद्यतन की
अजधसूचना को सीकेिाईसीआरआर द्वारा ररपोर्टिंग सत्ता को ऐसे केिाईसी ररकॉडश के अद्यतन की सूचना िेना
समझा िाएगा ; और
(ग) उक्त ररपोर्टिंग सत्ता, जनयम 9 के उपजनयम (1ग) के प्रयोिनों के जलए, सीकेिाईसीआरआर से सीधे या
केआरए के माध्यम स ेकेिाईसी अजभलेख प्राप्त कर सकेंगी ।
[फा. सं. पी-12011/14/2024-ईएस सेल-डीओआर]
प्रिांत सागर, अिर सजचि
MINISTRY OF FINANCE
(Department of Revenue)
NOTIFICATION
New Delhi, the 16th October, 2025
S.O. 4697(E).— In pursuance of sub-clause (ii) of clause (h) of sub-rule (2) of rule 9A of the Prevention of
Money-laundering (Maintenance of Records) Rules, 2005, the Central Government in consultation with the Regulator
hereby notifies that the provisions of sub-rule (1A), (1C) and (1D) of rule 9 of the Prevention of Money-laundering
(Maintenance of Records) Rules, 2005 shall apply to the class of reporting entities “within the meaning of intermediary”
as defined in clause (f) of sub-regulation (1) of regulation 2 of the Securities and Exchange Board of India {KYC (Know
Your Client) Registration Agency} Regulations, 2011 with the following modifications, namely:-
(a) the said reporting entities shall have the option to upload KYC records on Central KYC Records Registry
(CKYCRR) directly or through “KYC Registration Agency” (KRA) as defined in clause (h) of sub-
regulation (1) of regulation (2) of the Securities and Exchange Board of India {KYC (Know Your Client)
Registration Agency} Regulations, 2011; and the KYC information uploaded by a reporting entity with the
KRA and subsequently uploaded by the KRA on the CKYCRR shall be deemed to be an upload by the
reporting entity on the CKYCRR for the purposes of sub-rule (1A) of rule 9;
(b) the additional or updated information in respect of the KYC records uploaded by any such reporting entity
with the KRA and subsequently uploaded by the KRA on the CKYCRR shall be deemed to be an upload
by the reporting entity on the CKYCRR for the purposes of sub-rule (1D) of rule 9 and notification of
updates in respect of KYC records by the CKYCRR to the KRAs shall be deemed as CKYCRR informing
the reporting entity of the update of such KYC records; and
(c) the said reporting entities may for the purposes of sub-rule (1C) of rule 9, retrieve the KYC records from
CKYCRR directly or through KRA.
[F. No. P-12011/14/2024-ES Cell-DOR]
PRASHANT SAGAR, Under Secy.
Uploaded by Dte. of Printing at Government of India Press, Ring Road, Mayapuri, New Delhi-110064
and Published by the Controller of Publications, Delhi-110054.