An ISO/IEC 27001:2022 Certified Organization
Lending Software for Banks and NBFCs
About SimTrust
The only solution in the Indian market that combines bank-owned deployment, direct CERSAI connectivity and multi-system integration in a single product
SimTrust is For both Customer Present (branch) and Remote/Digital onboarding, servicing CBS, LOS, LMS, Cards and every system within your bank
Designed for:
Scheduled Commercial Banks
NBFCs
Co-operative Banks
Insurance Companies
Stockbrokers
SimTrust is deployed within the institution's own infrastructure. It connects directly to CERSAI's CKYCRR 2.0 APIs using the institution's Digital Signature Certificate (DSC), processes all CKYC operations (search, download, upload, update) on the institution's servers, and distributes verified KYC data to all connected internal systems.
100%
RBI/SEBI/IRDAI Compliant
3
Flexible Deployment Models
<2s
Real-time
kYC Search Response
0
Intermediaries in Your Data Path
SimTrust Capabilities
Real-time KYC Search
Search CERSAI directly by PAN, Aadhaar, or CKYC number in under 2 seconds from any connected system (CBS, LOS, LMS, or Cards). Instantly verify existing KYC records before initiating fresh onboarding.
KYC Upload & Registration
When no CKYC record exists: branch staff captures documents, or the customer uploads digitally with remote OTP consent. 8-step validated upload to CERSAI with automatic field validation and image quality checks.
Record Download & Retrieval
OTP sent to customer's mobile at branch; staff verifies and record is downloaded. Remote: OTP delivered to customer's device; customer verifies online. In both cases, the form is pre-filled automatically, with no manual data entry.
Multi-system Integration Hub
A single integration point for all banking systems - CBS, LOS, LMS, Cards, and more. Each system calls SimTrust once; SimTrust handles the CERSAI protocol, eliminating duplicated integration effort across teams.
Built-in Compliance Controls
Automatic Aadhaar masking, role-based access control (RBAC), and OTP-based digital consent — built in, not bolted on. Enforces RBI Master Directions and SEBI / IRDAI KYC guidelines out of the box
Audit Trails & Reporting
End-to-end transaction logs with timestamps and user attribution. Compliance dashboards provide instant visibility into KYC status across the entire customer portfolio, simplifying regulatory inspections
Bank-owned application
The institution deploys and owns SimTrust- on-premise or private cloud. No vendor has access to your data, your CERSAI credentials, or your customer records.
Dual-onboarding Journeys
Customer Present (branch OTP) and Remote Digital (device OTP + consent) journeys with compliant KYC Found / Not Found decision flows built in.
Apt-Size for Every Institution
On-premise or Private Cloud for larger banks. Platform as a Service for smaller NBFCs and co-operative banks with direct CERSAI ownership preserved at every tier.
SimTrust Benefits
Single integration for all banking systems
Complete CKYC Lifecycle-Search, download, upload, verify & monitor
Built-in compliance for aadhar masking, audit trails & RBAC
Multi-tenant architecture
Production ready - Go backend, Vue dashboard
SimTrust Onboarding
SimTrust handles the 2 CKYC onboarding scenarios mandated by RBI with appropriate consent and authentication flows for each
Customer Present at Branch
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Teller initiates CKYC search in SimTrust
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OTP sent to the customer's registered mobile via CERSAI
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KYC Found: record downloaded, synced to CBS/LOS instantly
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KYC Not Found: new record created and uploaded to CERSAI
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Face match and Aadhaar masking applied automatically
Remote / Digital Customer
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Customer initiates KYC via digital channel (app/web)
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Consent captured on customer's own device
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OTP authentication via CERSAI on registered mobile/email
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KYC Found: verified record retrieved and distributed
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KYC Not Found: guided upload flow with Aadhaar masking