{
  "node_id": "in-rbi-master-direction-kyc-2016",
  "title": "India RBI Master Direction on KYC 2016 - Customer Due Diligence & Risk Classification",
  "domain": "Banking & Global Finance",
  "version": "1.0.1",
  "last_updated": "2026-04-30",
  "bluf": "The Reserve Bank of India Master Direction - Know Your Customer (KYC) Direction 2016 (updated through 2023) prescribes a four-tier customer risk classification (Low, Medium, High, Very High), document-based CDD requirements for individuals and legal entities, Video-based Customer Identification Process (V-CIP), mandatory linkage of Aadhaar with bank accounts (PMLA Rule 9(14)), periodic re-KYC (low risk: 10 years, medium: 8 years, high: 2 years), and Central KYC Records Registry (CKYC) integration. Banks must designate a Principal Officer and appoint a KYC Compliance Officer. FATF Recommendations 10-12 are implemented through these directions.",
  "paywall": {
    "status": "LOCKED",
    "unlock_cost_usd": "0.01",
    "skyfire_id": "41779894-ece2-4163-9761-b3b1b76e19b0"
  },
  "crosswalks": {
    "_available_keys": [
      "iso_standard",
      "eu_regulation",
      "us_equivalent",
      "uk_equivalent",
      "global_framework"
    ],
    "_note": "Full crosswalk values included in vault response"
  },
  "dependencies": [
    "fincen-cdd-beneficial-ownership-rule-2016",
    "eu-6amld-directive-2018-1673-anti-money-laundering-criminal-offences"
  ],
  "primary_citations_count": 5
}