Aadhaar KYC Details 2025

Key Features of the Aadhaar KYC Process

The below listed are some of the important details regarding Aadhaar KYC:

Simplified Verification Process: Convenient and paperless documentation process that helps in authentication of an individual's identity.

Secure and Confidential: The process is conducted securely through the Unique Identification Authority of India (UIDAI), and only relevant data is shared with service providers.

Accurate Verification: KYC process involves an ID verification including biometric and demographic details that are available as per the UIDAI database.

How Does Aadhaar Offline e-KYC Work?

The offline e-KYC process is a quick and convenient way for Aadhaar card holders to provide KYC details for authentication purposes. As a card holder, you can download an XML file of the KYC information and provide it to the relevant requesting agencies. The XML is verified by UIDAI and tamper-proof, further securing the data being shared.

Steps Download Offline Aadhaar e-KYC XML

Given below are the steps by which you can download your Offline Aadhaar e-KYC XML file securely from the UIDAI website:

1. Go to the official website of UIDAI.

2. Log in by filling your Aadhaar number and captcha code

3. Fill in the OTP you got on your Aadhaar registered mobile number

4. Click on the option ‘Offline eKYC’ and create a four-digit share code to protect the eKYC

5. Click on Download and a secure ZIP file containing the digitally signed XML will be downloaded to your device.

How to Do Aadhaar e-KYC Verification Process Online?

The following are the ways through which Aadhar eKYC can be completed online:

Biometrics:

1. Provide your Aadhar card to the service provider

1. Your Aadhaar number or UID (Unique Identification Number) will be noted by the service provide

1. Retinal image and fingerprints of the individual will be captured by the scanner

1. The details must match with the details taken during Aadhar registration

1. The details will be sent to UIDAI for verification

1. After the details, the process of verification will be completed

OTP Authentication:

1. Provide the service provider with Aadhar card after which the Aadhar number will be noted by the service provider

1. UIDAI will send an OTP to your registered mobile number

1. Enter the OTP to complete the verification process

Documents Required in Offline Aadhaar KYC

To complete the Offline Aadhaar KYC process, you need to carry the following documents for identity verification:

1. Aadhaar Card
2. Address Proof
3. Age proof

Difference Between Aadhaar e-KYC and Aadhaar Offline KYC

The following are the differences between Aadhar e-KYC and Aadhar offline KYC:

Advantages of Offline Aadhaar e-KYC

There are numerous benefits and advantages associated with the Aadhaar e-KYC, some of which are listed below:

Accessibility - The KYC data can be shared by the Aadhaar card holder directly without the need for repeated requests to the UIDAI for access.

No Biometrics Required - Biometrics are not needed to verify the data being shared.

Reliability - Since the e-KYC information is accessed from the master UIDAI database, all information provided is as per government records and thus tamper-proof.

Security - The data that is shared with KUA's is encrypted, preventing any misuse of the Aadhaar holder's information.

Privacy - Only information relevant to the KUA and the holder's KYC requirements are shared through this system, ensuring the holder's privacy. Additionally, biometrics and access to sensitive information is restricted.

Aadhaar security - When a KUA requests KYC data, the holder's Aadhaar number is not shared. Instead, a reference ID is generated and is used to complete the process, ensuring the protection of data.

Voluntary - This service is voluntary and an Aadhaar holder can choose whether he/she wants to share KYC details through the platform.

Aadhaar Paperless Offline e-KYC data is encrypted using a 'Share Phrase' provided by the Aadhaar number holder at the time of downloading which is required to be shared with agencies to read KYC data.

How to Share Offline e-KYC Data?

The downloaded offline e-KYC data can be shared with the relevant requesting agency by the card holder either in physical format or digitally. The 'Share Phrase' is to be provided to the agency/authority since the data is encrypted. For high resolution copies, sharing the information through an XML or PDF file is preferable

Impact of e-KYC on Aadhaar Enrollments

Here are the influences of e-KYC on Aadhar enrollments:

1. The e-KYC process makes verification faster and more efficient.

1. Individuals can give permission to UIDAI to share their personal information with a specific service provider.

1. Verification can be completed using either OTP (One-Time Password) or biometric authentication.
2. Details such as name, date of birth, gender, address, mobile number, and email address are shared digitally with service providers after successful KYC completion.

How to Check the Aadhaar Card eKYC Status?

The following are the steps to check the Aadhar card eKYC status:

Step 1 - Visit the official website of a registered KYC Registration Agency (e.g., CDSL Ventures, CAMS KRA, Karvy KRA).

Step 2 - Provide the PAN details

Note: If you are KYC compliant, the status will be displayed. If not, you may be required to complete e-KYC using your Aadhaar via biometric or OTP authentication.

Organizations Using Aadhaar e-KYC

The following are the organisations using e-KYC:

1. Financial institutions

1. Trading accounts

1. Insurance companies

1. Mutual fund houses

1. Stockbrokers

1. LPG service providers

1. Railway authorities

1. Stock exchanges

1. KYC registration agencies

Note: e-KYC is a quick, simple, and convenient procedure that can be utilized by every Aadhar card holding citizen of the country.