Aadhaar KYC

Aadhaar KYC (Know Your Customer) is a process where the identity and address of the aadhaar cardholder is verified using their aadhaar card. It is a digital process of KYC that is focused on using the information stored in the Aadhaar database, such as OTP-based authentication or biometrics (fingerprints or iris scans), to confirm the identity of the aadhaar cardholder.

Let us understand more about Aadhaar KYC in detail. Keep reading!

Features of Aadhaar KYC

Here are some of the features regarding Aadhaar KYC:

• It is a convenient and paperless documentation process that allows for the authentication of an Aadhaar card holder’s identity.
• It is a secure and confidential process, as it is conducted through the Unique Identification Authority of India (UIDAI), and only relevant data is shared with service providers.
• The ID verification includes demographic and biometric details that are available as per the UIDAI database, making it accurate. 

Types of Aadhaar KYC

There are three main types of identity verification in the Aadhaar KYC process:

• Aadhaar eKYC: Aadhaar eKYC is an electronic verification method where the service provider (e.g., bank, telecom, or financial institution) directly retrieves the customer's Aadhaar details from the UIDAI database after receiving the customer’s consent.
• Aadhaar offline KYC: Aadhaar offline KYC allows individuals to share their Aadhaar details in an offline manner, without involving real-time data exchange with the UIDAI. This method gives more control to users as they can choose to download their information and share it as needed.
• Aadhaar-Based KYC via QR Code: The process is performed through a secure OR code that contains encrypted personal details. You can do that by scanning the QR code helping service providers to verify your identity without storing your aadhaar number

Difference Between Aadhaar e-KYC and Aadhaar Offline KYC

The following are the differences between Aadhar e-KYC and Aadhar offline KYC:

What is Aadhaar Offline e-KYC?

Aadhaar paperless offline e-KYC allows Aadhaar cardholders to submit without the submission of a physical photocopy of the Aadhaar card. As a cardholder, you can directly download the KYC XML file and share it with agencies for identity verification.

To ensure the authenticity and prevent tampering, the KYC information is provided in a machine-readable XML format, which is digitally signed by UIDAI.  Additionally, agencies need OTP or face authentication methods to verify the user.

What data is covered in Aadhaar offline e-KYC data?

The following fields are included in the XM while downloading/obtaining offline e-KYC data:

• Resident Name
• Download Reference Number
• Address
• Photo
• Gender
• Date of Birth
• Mobile Number (in hashed form)
• Email (in hashed form)

To read KYC data by agencies, you need to provide the ‘Share Phrase’ at the time of downloading for Aadhaar paperless offline e-KYC data.

How does Aadhaar Offline e-KYC work?

For authentication purposes, the offline e-KYC process is a fast and convenient way for Aadhaar cardholders to provide KYC details. You just need to download an XML file of the KYC information and provide it to the relevant requesting agencies.

Kinds of Aadhaar eKYC

The following are the two kinds of Aadhar eKYC processes:

• Biometrics: It includes providing a 12-digit number and biometric data that includes both an iris scan and a fingerprint.
• OTP: The user will receive OTP on the registered mobile number. Entering the OTP will the verification process. 

How to do Aadhaar KYC Online?

You can complete your Aadhaar KYC online by following the steps below:

• Step 1: Provide your Aadhaar card to the service provider.
• Step 2: Provide your retinal image and fingerprints.
• Step 3: Verification will be done once all the details are provided.
• Step 4: OTP will be sent to your registered mobile number.
• Step 5: Enter the OTP to complete the verification process.

How to Check the Aadhaar Card eKYC Status?

Follow the steps below to check the Aadhaar card eKYC status:

• Step 1 - Visit the official website of any KYC Registration Agency (KRA).
• Step 2 - Provide the PAN details.

Click here to know more about the Aadhaar card customer care number.

What are the documents required for Aadhaar KYC?

Below are the documents required for aadhaar KYC:

• Identity Proof: PAN card with photograph, Passport, Voter ID, Driving license, or Unique Identification Number (UID) (Aadhaar), Identity cards issued by Public Sector Undertakings, Public Financial Institutions, or Scheduled Commercial Banks, Identity card or document with applicant’s photo, issued by any of the following: Central or State Government and its Departments, Statutory or Regulatory Authorities
• Address proof: Utility bills like Telephone Bill (only land line), Electricity bill or Gas bill which should not be more than three months old, Self-declaration by High Court and Supreme Court judges, to provide the new address in respect of their own accounts, Passport, Voters Identity Card, Ration Card, Registered Lease or Sale Agreement of Residence, Insurance Copy, Driving License, or Flat Maintenance bill, Bank Account Statement or Passbook which is not more than three months, Proof of address in the name of the spouse.

You can provide any of the documents listed above.

Influence of e-KYC on Aadhaar Enrollments

The influences of e-KYC on Aadhar enrollments are as follows:

• It makes the e-KYC verification process faster and simpler.
• You can provide permission to UIDAI to share your personal information with the specific service provider.
• To complete the verification, the verification can be completed though OTP (One Time Password) or biometric authentication.
• Name, date of birth, gender, address, mobile number, email address, etc. Are shared digitally with service providers after completing the KYC process.