Aadhar-based E-KYC – All You Need to Know

  • November 6, 2020
  • 2 minutes read

Aadhaar Based eKYC – What is it? 

Remember the days when you had to visit the bank and submit documents in person to authenticate your identity? Well, those days are long gone with the introduction of Aadhaar based e-KYC (or electronic – Know Your Customer) offered by the Unique Identification Authority of India (UIDAI). You can now establish your identity voluntarily by submitting your Aadhar card as address proof electronically to banks and financial companies to avail of certain services/benefits.    

The UIDAI allows both Aadhar authentication as well as offline e-KYC verification.  

What is Aadhaar Paperless Offline e-KYC?

With Aadhar Offline e-KYC, verification can be conducted offline without sharing Aadhaar number or biometrics. The details are machine readable and the card is digitally signed by the UIDAI, allowing for easy authentication. In fact, the agency can even go the OTP/face authentication route if they wish to. 

How do Aadhaar Authentication & e-KYC Services work? 

During the process of Aadhaar authentication, the Aadhar number along with its associated demographic/biometric information is submitted to the Central Identities Data Repository (CIDR), which in turn verifies whether the details are correct or not based on information already available with them. 

Features of Aadhaar Offline KYC: 

  • e-KYC instantly authenticates your identity 
  • Does not require repeated requests for access to UIDAI 
  • Reliable data since it is accessed from the master UIDAI database  
  • Assured data privacy and security since information is shared through UIDAI’s internal encrypted software. Also, access to sensitive information and biometrics is restricted 
  • Reduction of costs linked to paper-based verification   
  • Biometrics not needed for verification of data being shared 

Note: Data shared with a KUA ( e-KYC User Agency) is encrypted; a reference ID is generated and used for the process instead of the card holder’s Aadhaar number being shared.

Data Included in e-KYC XML: 

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

Note: The Aadhar number holder has to provide the agency with a unique “share phrase” used to encrypt the Aadhar e-KYC data. They will be asked for it at the time of download.  

Accessing Aadhaar Paperless e-KYC 

Follow the below steps to access your Aadhar Paperless Offline e-KYC data: 

  • Visit the mentioned site –
  • Download the Aadhaar Paperless Offline e-KYC form. Fill it up and submit. 
  • Your paperless e-KYC, digitally signed by the UIDAI, will be available for download as an XML file. 

Sharing Offline e-KYC Data 

Once you’ve downloaded the Aadhar Paperless Offline e-KYC, you can share it with the relevant agency physically or digitally. Make sure you provide the “share phrase” as previously discussed; without this they will not be able to access the encrypted data.  

Note: XML/PDF copies are of a higher resolution. 

With the implementation of quick authentication via e-KYC, home loan accounts can be opened in minimum time, saving costs and manpower for the bank, and time for the borrower. If you’re starting off with your home loan journey, make sure to connect with a Fincity expert advisor at and have them find you the best deal at the lowest interest rate.

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Written by: Marketing Fincity

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