Recently, Jay has opted for LPG subsidy under the Pahal scheme, for which having an Aadhaar card is mandatory. He found out that manual Aadhaar KYC verification is a tedious procedure, involving the submission of several self-attested photocopies. To avoid such hassle, he can opt for Aadhaar-based e-KYC. This digital identification procedure is quick and convenient.
UIDAI recently announced that people, whose Aadhaar cards were issued more than 10 years ago, can update their demographic details on myAadhaar portal for FREE from 15th March, 2023 to 30th June, 2023.
Aadhaar-based e-KYC is the same as submitting your KYC documents for identity verification, except that it is a digital procedure. This paperless authentication method will verify your identity, provided you have given consent. It confirms ID using the demographic and biometric information recorded during Aadhaar card registration. The information is stored in the UIDAI database.
UIDAI has already verified such details, and you do not have to go through attestations and extensive paperwork. Since an Aadhaar card serves as a valid Know Your Customer (KYC) document, you don’t need to present multiple documents as proof of age, address proof, or ID proof.
Are you interpreting Aadhaar-based e-KYC and Aadhaar authentication as the same process? Well, no! There is a slight difference in their functioning.
Such a procedure stores all demographic and biometric details of your Aadhaar in CIDR (Central Identities Data Repository). This vault cross-checks the submitted information with the details obtainable within it. However, service providers cannot access your demographic data, which creates a problem in the completion of the authentication procedure.
Under this method, service providers can obtain your private data such as name, date of birth, gender and address from the Aadhaar database and finish the identity verification procedure themselves.
The e-KYC through Aadhaar is a simpler and time-saving procedure, ensuring a smooth experience for users. Understand this process in the next section!
You can finish your Aadhaar e-KYC verification through the online or offline mode.
There are two vital online methods through which you can verify Know Your Customer. They are as follows:
Follow the below-mentioned steps for this procedure:
After completion of the verification process, UIDAI will allow your service provider to access your photograph and other details, such as your address and date of birth. UIDAI also permits the agents to maintain a soft copy of the data in their servers. Hence, agents can obtain such details whenever required.
You can opt for an OTP-oriented authentication procedure in the following way:
After this, your agent will get all relevant information from UIDAI.
Do not worry if the online procedure is not feasible. Service providers will use any of the following offline KYC verification methods. Paperless process via offline e-KYC:
You can follow this procedure for Aadhaar-based e-KYC:
This method minimises the cost related to paper-based verification and increases the efficiency of the official identification process. Scroll through to know the advantages of Aadhaar-based e-KYC!
Besides being time-efficient and paperless, Aadhaar e-KYC provides the following benefits:
If you are availing of any financial facilities, you will have to follow KYC regulations first. In case you are not sure whether you’re KYC compliant, check it in the following manner:
You will instantly know your KYC status after this. If you are not KYC compliant, you can opt for the procedure using Aadhaar-related biometrics.
The launch of Aadhaar has given way to fraud deterring techniques and paperless verification. The Indian population can now be digitally tracked and recorded. Needless to say, Aadhaar based e-KYC is another praiseworthy initiative of the government─ trying to relieve people from the tedious manual verification process.
Ans: Yes, agents and private institutions are legally forbidden from publishing, exhibiting or sharing offline e-KYC information such as Share Code and the XML file. They may have to bear a penalty under the following provisions for disclosing any confidential data:
Section 37, Section 29(3) and Section 29(2) of the Aadhaar Act, 2016
Section 25 and Section 17 of the Aadhaar Authentication Regulation, 2016
Section 6 and Section 4 of the Aadhaar – Sharing of Information Regulation, 2016
Ans: During manual verification of documents (including identity proof documents such as passport, voter ID card, driving licence and PAN), it becomes difficult to validate the document’s authenticity. Applicants can easily present unnoticeable fake versions. That said, UIDAI has digitally signed and protected the XML file that is used for offline Aadhaar-based e-KYC. Agents can verify a file’s content using XML Reader and finish the process.
Ans: You can check your Aadhaar application status in the following manner:
Go to UIDAI’s official portal
Press ‘Get Aadhaar’ and select ‘Check Aadhaar Status’
Provide your 14-digit Enrolment Number to check whether your Aadhaar has been generated
Specify the time and date of enrolment as mentioned on the acknowledgement slip
Type the CAPTCHA code and press ‘Check Status’
Your screen will display the status instantly.
Ans: You can download a PDF version of your Aadhaar from UIDAI’s official website. However, you need to give your Aadhaar password while opening the file. Your password consists of your name’s first four letters in capital and your birth year (YYYY format). After entering your password, you can download the PDF copy of your Aadhaar card.
Ans: The minimum age to apply for a biometric Aadhaar card is 5 years. However, there exists a ‘Baal Aadhaar Card’ for newborns and kids below five years, for which biometric verification is not applicable. The Baal Aadhaar is blue in colour.
This article is solely for educational purposes. Navi doesn't take any responsibility for the information or claims made in the blog.
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