The Aadhaar Card, issued by the Government of India, is a crucial identity document that plays a significant role in various legal transactions. Aadhaar eKYC (Electronic Know Your Customer) is a digital solution that simplifies and secures the process of identity verification.
This guide provides a comprehensive overview of Aadhar eKYC, including its types, how to perform it, and how to check your eKYC status.
Aadhaar eKYC (Electronic Know Your Customer) verifies an individual’s identity electronically using their Aadhaar details. This digital process simplifies and streamlines identity verification for services like opening bank accounts, purchasing SIM cards, applying for loans, and investing in mutual funds. It eliminates the need for paper-based verification by using the Aadhaar number to authenticate the identity of a customer.
When a person opts for Aadhaar eKYC, they authorize the service provider to access their Aadhaar data, which includes personal information such as name, address, date of birth, and biometric details (fingerprint or iris scan). The Unique Identification Authority of India (UIDAI) stores and provides this data to authenticate the individual’s identity instantly and securely.
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There are two primary types of Aadhar eKYC:
In biometric e-KYC, the individual verifies their identity by submitting their fingerprint or iris scan through a biometric device. The service provider authenticates the biometric data with UIDAI. This type of eKYC is highly secure and widely used in services requiring strict identity verification, such as banking, financial services, and mobile connections.
OTP-based e-KYC uses a One-Time Password (OTP) sent to the individual’s registered mobile number for authentication. The individual provides their Aadhaar number, and after receiving the OTP on their registered mobile number, they enter it to verify their identity. This type of e KYC is simpler than biometric e KYC and is often used in low-risk situations where basic verification is required.
Aadhaar e KYC can be easily completed online by following these steps:
Go to the website or portal of the service provider where you want to complete the Aadhaar eKYC. This could be a bank, telecom company, or any other service that offers Aadhar eKYC for identity verification.
Navigate to the KYC section on the website, and select ‘Aadhaar eKYC’ as the method for completing your identity verification.
Input your 12-digit Aadhaar number in the required field. Some service providers may also allow you to enter your Virtual ID (VID) for added security.
You will receive a One-Time Password (OTP) on your Aadhaar-linked mobile number. Enter the OTP in the provided field to authenticate your identity. Ensure that the mobile number linked to your Aadhaar is active, as the OTP will be sent to this number.
You will be asked to give your consent to share your Aadhaar data (such as name, address, and date of birth) with the service provider. After consenting, the service provider will receive your Aadhaar data directly from UIDAI for verification.
Once the authentication process is complete, the service provider will receive your Aadhaar details, and your identity will be verified instantly. You may receive a confirmation message or email stating that the Aadhaar eKYC process has been successfully completed.
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To check if you are KYC compliant, follow these steps:
If your eKYC status is not compliant, you can complete the process using Aadhaar-based biometrics as needed.
Aadhaar eKYC simplifies identity verification, making it convenient for individuals and service providers alike. Whether you’re opening a bank account, purchasing a new SIM card, or investing in financial products, the Aadhar eKYC process ensures faster, reliable, and secure transactions.
It is an efficient way to verify identity digitally, it streamlines the process and enhances security. By using biometric or OTP-based authentication, it simplifies the KYC process and reduces the reliance on physical documents.
Aadhaar eKYC can be done in 2 ways one is Biometric Aadhar eKYC and the other is OTP-based Aadhar eKYC. By following all the above mentioned points you can complete your Aadhar eKYC.
Aadhaar e KYC is a digital verification process that uses Aadhaar’s biometric and demographic information to confirm an individual’s identity without the need for physical documents.
Aadhaar e KYC can be performed online using biometrics or OTP. Provide your Aadhaar number to the service provider, and choose the preferred authentication method.
Aadhaar e KYC allows for direct data verification from UIDAI’s database, whereas Aadhaar Offline KYC involves verifying data stored in the Central Identities Data Repository (CIDR).
Visit a KYC Registration Agency (KRA) website and enter your PAN details to check your eKYC compliance status.
Yes, Aadhaar e KYC is secure as it uses biometric and OTP-based authentication, ensuring that personal information is verified and protected digitally.
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