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    Central Registry of Securitisation Asset Reconstruction and Security Interest of India

    Central Registry of Securitisation Asset Reconstruction and Security Interest of India: runs the central registry of security interests under the SARFAESI Act, to stop multiple loans against the same

    Facts last verified 29 September 2026 Updated
    On this page
    1. At a glance
    2. What it does
    3. A Government company
    4. Connections

    At a glance

    Owned by the Government of India
    Short name
    CERSAI
    Legal form
    Government company set up by the Ministry of Finance (not RBI-promoted)
    Headquarters
    Not confirmed from an official source
    Established
    2011
    Employees
    No official figure found in the sources checked
    Official site
    www.cersai.org.in
    Roles
    • Runs the central registry of security interests under the SARFAESI Act, to stop multiple loans against the same property
    • Acts as the Central KYC Records Registry (since 2016)

    What it does

    CERSAICentral Registry of Securitisation Asset Reconstruction and Security Interest of India. A Government company that runs the central registry of security interests, so lenders can check whether a property already secures a loan. keeps two national registries that banks rely on. The first records security interests, so a lender can check whether a property already secures another loan. CERSAI is a Government company, licensed under section 25 of the Companies Act, 1956, set up to run the central registry under the SARFAESI Act; the registry became operational on 31 March 2011.1Reserve Bank of India. Setting up of Central Electronic Registry under the SARFAESI Act 2002 (RBI/2010-2011/545). As of 25 May 2011. The second holds central KYCKnow your customer. The process of verifying a customer's identity and address, required before a bank or other regulated entity opens an account. records. The Government of India authorised CERSAI to act as the Central KYC Records Registry by notification S.O. 3183(E) of 26 November 2015; the registry went live on 15 July 2016.2Reserve Bank of India. Amendment to Master Direction on KYC: Operationalisation of Central KYC Registry (RBI/2016-17/11). As of 8 July 2016.

    A Government company

    Earlier drafts of this site said RBIReserve Bank of India. India's central bank. It regulates banks and payment systems, runs RTGS and NEFT, and holds the accounts in which banks settle with one another. had promoted it. RBI’s own circular describes it as a Government company. It appears on this page because banks and other lenders regulated by RBI use its registries every day.

    Connections

    • RBI: RBI informed securitisation and reconstruction companies and cooperative banks about registering security interests with CERSAI.1

    Sources

    1. Setting up of Central Electronic Registry under the SARFAESI Act 2002 (RBI/2010-2011/545). Reserve Bank of India. Primary source, accessed 29 September 2026. Supports: CERSAI is a Government company, licensed under section 25 of the Companies Act, 1956, set up to run the central registry under the SARFAESI Act; the registry became operational on 31 March 2011 (as of 25 May 2011).
    2. Amendment to Master Direction on KYC: Operationalisation of Central KYC Registry (RBI/2016-17/11). Reserve Bank of India. Primary source, accessed 29 September 2026. Supports: The Government of India authorised CERSAI to act as the Central KYC Records Registry by notification S.O. 3183(E) of 26 November 2015; the registry went live on 15 July 2016 (as of 8 July 2016).