UCIC is Unique Customer Identification Code.

RBI has advised banks to initiate steps for allotting Unique Customer Identification Code (UCIC) to all its customers while entering into any new relationships.

Unique Cust ID helps the bank to identify customers, track the facilities availed, monitor financial transactions in a comprehensive and combined manner at a customer level and enable the bank to have a better approach to risk profiling of customers.

In Core Banking System they already have a unique Customer ID. This (Cust ID) is allotted to every customer while entering into any new relationship, which will serve as the Unique Customer Identification Code.

However, there can be cases where the customer has been allotted multiple customer ids since the bank was not informed about his existing customer ID.

For such customers the Multiple customer IDs has been consolidated and one of the customer Id has been maintained as the UCIC.

Combination of various parameters like Name, Pan Number, Date of birth, Mobile Number and Mother's maiden name are used to identify customers having multiple customer IDs.

NetBanking usage is considered as Primary parameter for deciding UCIC. In absence of NetBanking usage, account balances are considered for deciding UCIC.

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