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How To Check Aadhaar e-KYC Online And Offline?
Aadhaar e-KYC is a digital identity verification process that allows authorised institutions to authenticate individuals using Aadhaar details. The Aadhaar e-KYC online process can be completed through OTP or biometric authentication. The e-KYC Aadhaar verification can be done both online and offline with your consent.
Key Highlights:
- Used For: Banking, SIM activation, mutual funds, insurance, loans
- Authentication Requirement: Registered mobile number for OTP method
- Data Source: Verified UIDAI database
- Cost: Free of charge
What is Aadhaar e-KYC?
Aadhaar e-KYC is an electronic Know Your Customer process that verifies an individual’s identity using Aadhaar authentication. Authorised agencies access your demographic and biometric details directly from the UIDAI database after receiving your consent.
It eliminates paperwork and enables instant identity verification.
Why does Aadhaar e-KYC Matter?
Aadhaar e-KYC is widely used for:
- Opening bank accounts
- Activating SIM cards
- Mutual fund and Demat account registration
- Insurance policy issuance
- Loan processing
- Government scheme verification
It speeds up onboarding, reduces fraud, and ensures regulatory compliance.
How to Complete Aadhaar eKYC Online?
To complete your Aadhaar e-KYC process online, you can proceed by following the given simple steps.
Using Biometrics
Types of Aadhaar e-KYC
There are two kinds of Aadhaar e-KYC that you can consider. They are as follows:
- Using Biometrics: During this process, you will have to provide your 12-digit Aadhaar number and your biometric data which include fingerprints and iris scan.
- Using OTP: Through this process, you will need to provide your 12-digit Aadhaar number and you will get an OTP on the registered mobile number (linked with your Aadhaar card at the time of registration), using which your verification process will be completed.
Difference between Aadhaar e-KYC and Aadhaar Offline KYC
The difference between Aadhaar e KYC and the offline process of Aadhaar KYC is quite simple.
| Basis | Aadhaar e-KYC | Aadhaar Offline KYC |
| Mode | Fully digital authentication | Physical or XML/QR-based verification |
| Presence Required | Not always required | Usually requires physical presence |
| Data Source | Directly from UIDAI database | Aadhaar XML file or QR code |
| Speed | Instant verification | Slower than e-KYC |
| Documents Needed | Only Aadhaar number | Aadhaar copy or offline XML file |
How to Check Aadhaar Card eKYC Status?
To check the status of your Aadhaar card e-KYC status, you will have to follow a few simple steps such as given below:
Once done, you will be instantly notified if you are KYC compliant. If you are not, you can follow the steps of biometrics or OTP authentication to complete the verification process of Aadhaar e KYC online.
Benefits of Aadhaar e-KYC
Apart from being a convenient, time-saving and paperless process, there are several other advantages of Aadhaar paperless e KYC which include the following:
- The entire process of authentication does not require you to pay anything. It is completely free of cost.
- All the information that is extracted from the database of the UIDAI has already been verified, which is why it needs no further authentication.
- The entire process depends on the consent of the customer. Hence the UIDAI shall share such essential details with the requesting party only when the customers provide their acknowledgement to do it through biometrics or OTP.
- The agencies conducting Aadhaar card e-KYC are all registered by the UIDAI, along with the biometric scanners used by the service providers. So there are no risks of compromising your personal details.
- All the digital documents are shared through a secure channel which reduces the risks of illegal replication of documents.
Safety Tips while Updating Aadhaar e-KYC
To avoid misuse and fraud:
- Use only official websites and authorised service providers.
- Do not share OTP with anyone.
- Avoid unknown portals claiming to offer Aadhaar e-kyc online services.
- Verify that the agency is UIDAI-authorised.
- Never upload Aadhaar details on unverified platforms.
Aadhaar e-KYC simplifies identity verification, making it faster, safer, and more efficient. It offers a secure, instant way to complete verifications for banking, telecom, investments, and more.
Other KYC Articles:
1. What is KYC and How to do KYC Verification?
2. KYC Update Online - How To Update KYC Details?
Frequently Asked Questions
About the Author
Saloni Dhumne
A former journalist by profession, I live by the power of the written word. Specializing in personal finance, I simplify wealth planning for individuals looking to grow their money effectively. Beyond my work, I eagerly seize any opportunity to travel, exploring offbeat destinations and embracing new experiences.. Read more
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