What is Aadhaar Paperless Offline e-KYC?

Privacy:

1. KYC data can be shared directly by the Aadhaar holder without involving UIDAI.
2. No disclosure of the Aadhaar number and only a reference ID is shared.
3. No requirement of core biometrics, such as fingerprints or iris scans, for verification.
4. Aadhaar holders can choose the demographic data and photo that are to be shared as per their choice.

Security:

1. To ensure authenticity and prevent tampering, the KYC data downloaded by Aadhaar holders is digitally signed by UIDAI.
2. OTP or face authentication is used by the agencies to validate the data.
3. KYC data is encrypted with a passphrase chosen by the Aadhaar holder, giving them control over their data.

Inclusion:

1. Aadhaar Paperless Offline e-KYC is voluntary and can be initiated by the Aadhaar holder.

1. Any agency working with individuals can use it with the Aadhaar holder’s consent, enabling broad application.

How Does Aadhar Paperless Offline e-KYC Operates?

The Aadhar paperless offline e-KYC operates by following the below-mentioned procedures:

Simplified KYC Process:

1. Eliminates the need to provide a photocopy of the Aadhaar letter.

1. The KYC XML can be downloaded by Aadhar holders and shared with agencies requiring KYC verification.

Digital Verification:

1. The KYC details are provided in a machine-readable XML format.

1. To ensure authenticity and detect any tampering, this XML is digitally signed by UIDAI.

Authentication Options: Using the agencies’ OTP or face authentication mechanisms, they can verify the shared KYC details.

Process to Obtain Aadhaar Paperless Offline e-KYC Data

Aadhaar number holders can obtain Aadhaar Paperless Offline e-KYC data through the following process:

Step 1 - Visit the official website of UIDAI

Step 2 - Log into the account using your Aadhar number

Step 3 - Enter the captcha· Click on ‘Send OPT’

Step 4 - Enter the OTP received on your registered mobile number

Step 5 - Choose ‘Offline KYC’ from the list of services

Step 6 - Create a 4-digit share code· Enter the code of your choice

Step 7 - Share the four-digit code with anyone you want to share the ZIP file

Step 8 - Click on ‘Download’· From download section of your device, right click on the zip file downloaded

Step 9 - Select the ‘Extract’ option

Step 10 - Enter the 4-digit share code created by you, if required

Step 11 - The offline e-KYC will be generated

What Data is Covered in e-KYC?

The following is the list of documents included in XML while downloading or obtaining offline e-KYC data:

1. Name of the Aadhaar number holder
2. Download the reference number
3. Address of the Aadhar holder
4. Photo of the Aadhar holder
5. Gender of the Aadhar holder
6. DoB (Date of Birth) or YoB (Year of Birth) of the Aadhar holder
7. Mobile Number (in hashed form)
8. Email (in hashed form)

Note that the Aadhaar paperless offline e-KYC data is encrypted by “Share Phrase”. This is provided by the Aadhaar number holder during downloading and is required to be shared with agencies to read KYC data.

Aadhaar Paperless Offline e-KYC for Availing Instant Loans

You can utilise your Aadhaar Paperless Offline e-KYC on various instant loan apps. Here's how:

Step 1 - Choose the paperless e-KYC option while verifying your KYC.

Step 2 - Enter your Aadhaar number and the captcha on the following screen.

Step 3 - On certain apps, your Zip file is automatically generated. Simply create your 4-digit share code and proceed by clicking 'continue'.

Step 4 - If you have applied for the loan using a different number, provide your Aadhaar-verified number on the subsequent screen.

Step 5 - Your KYC will be verified, and you will view your information on the screen.

The offline e-KYC provides a hassle-free, user-friendly, and secure method to verify one's identity. Vendors can efficiently authenticate customers' identities without the need to verify and store their Aadhaar numbers.

How to Share Aadhaar Paperless Offline e-KYC Details?

The Aadhaar number holder can share the Aadhaar Paperless Offline e-KYC data in digital or physical format along with share phrase to the verifying agency. Here are the details related to the procedure to share Aadhar paperless offline e-KYC details with the agencies:

Digital Format (XML/PDF): Preferrable when high quality photo is required

Printed Format (QR code):

1. Physically printed format is used if Aadhar holder is more comfortable with this type of format over digital format.
2. Low resolution photo resolution is low for visual inspection only