Which of the following stores the records of individuals, including identity and location-related details, in a centralised electronic form that can be accessed by authorised financial institutions?

cKYC (Central Know Your Customer) is a centralised KYC repository maintained by Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI). It stores standardised KYC information such as: • Identity details • Address / location-related information • KYC documents This information can be accessed and reused by authorised banks, NBFCs, and other regulated financial institutions, reducing duplication of KYC processes. • Unique Identification (Aadhaar) focuses on biometric and demographic identity, not KYC records. • DigiLocker stores documents, not KYC records. • PAN Database is tax-focused. • NPR is for population records.