What is Aadhaar eKYC?

Aadhaar eKYC (electronic Know Your Customer) is a digital method to verify your identity using your Aadhaar details. It allows service providers—like banks, telecom companies, and government agencies—to authenticate your identity quickly and securely, eliminating the need for physical documents.

Types of Aadhaar eKYC

1. OTP-Based eKYC

• Enter your 12-digit Aadhaar number.
• Receive a One-Time Password (OTP) on your registered mobile number.
• Enter the OTP to authenticate your identity.

2. Biometric eKYC

• Provide your Aadhaar number.
• Authenticate using fingerprint or iris scan.
• Biometric data is matched with UIDAI records for verification.

3. Offline Paperless eKYC

• Download a digitally signed XML file containing limited Aadhaar details from the UIDAI website.
• Share this file with the service provider along with a share code for verification.

How to Complete Aadhaar eKYC Online

OTP-Based eKYC Steps:

1. Visit the service provider’s eKYC portal.
2. Enter your Aadhaar number.
3. Receive and enter the OTP sent to your registered mobile number.
4. Upon successful verification, your identity is authenticated.

Biometric eKYC Steps:

1. Visit the service provider’s center equipped with biometric authentication devices.
2. Provide your Aadhaar number.
3. Authenticate using fingerprint or iris scan.
4. Upon successful verification, your identity is authenticated.

Offline Paperless eKYC Steps:

1. Go to the UIDAI website: https://myaadhaar.uidai.gov.in/offline-ekyc.
2. Enter your Aadhaar number or Virtual ID and the security code.
3. Receive and enter the OTP sent to your registered mobile number.
4. Create a share code (password) and download the ZIP file containing your eKYC data.
5. Share the ZIP file and share code with the service provider for verification.

Benefits of Aadhaar eKYC

• Paperless Process: Eliminates the need for physical documents.
• Instant Verification: Quick authentication using OTP or biometrics.
• Enhanced Security: Data is encrypted and shared only with consent.
• Cost-Effective: Reduces operational costs for service providers.
• User Convenience: Simplifies access to services like banking and telecom.

Privacy and Security

The Aadhaar eKYC process is designed with privacy in mind. In the offline method, the Aadhaar number is not shared; instead, a reference ID is used. The data is digitally signed by UIDAI, ensuring authenticity and preventing tampering. Users have control over what information is shared with service providers.

Conclusion

Aadhaar eKYC offers a secure, efficient, and user-friendly way to verify your identity for various services. Whether you choose OTP-based, biometric, or offline verification, the process is streamlined to ensure quick and reliable authentication.