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Aadhaar Based e-KYC Service - Introduction


A fundamental building block for service delivery is the KYC (Know Your Customer) process, which establishes the identity of the resident, his address, and other basic information such as date of birth and gender. Typically, this KYC information is combined with other information at the point of service delivery to determine eligibility – either for an Account Opening, a LPG connection, a scholarship, a loan, a social security pension, a mobile connection, etc.

The Aadhaar e-KYC Service provides an instant, electronic, non-repudiable proof of identity and proof of address along with date of birth and gender. In addition, it also provides the resident’s mobile number and email address to the service provider, which helps further streamline the process of service delivery. E-KYC may be performed at an agent location using biometric authentication.

Punjab & Sind Bank has launched the e-KYC Service on 28th August, 2014.

Frequently Asked Questions (FAQs) – UIDAI’s Electronically Know Your Customer (e-KYC) Service.

What is the e-KYC Service ? 

Unique Identification Authority of India (UIDAI) offers the e-KYC Service, which enables a resident having an Aadhaar number to share their demographic information and photograph with a UIDAI partner organization in an online, secure, auditable manner with the residents consent.

How can I use e-KYC Service ?  

Customer can avail the e-KYC Service to open Bank Account. For this, customer should visit Branch with his 12 digit Aadhaar Number provided by UIDAI. Provide this Aadhaar Number to Branch Staff, branch staff shall enter the Aadhaar Number into E-KYC Application and capture customer’s fingerprint. The E-KYC Application of Bank shall send the Aadhaar Number and fingerprint to UIDAI for verification. Once verified, E-KYC Certificate shall be generated by E-KYC Application. Sign this certificate and handover to Branch Staff.

What documents are required for E-KYC ?  

Customer needs to provide only his/ her 12-digit Aadhaar Number to Branch Staff. No other documents are required. Customer should also provide his/ her fingerprint for E-KYC Services.

What is Aadhaar Number ?  

Aadhaar is a 12 digit individual identification number issued by the Unique Identification Authority of India (UIDAI) on behalf of the Government of India. Any individual, irrespective of age and gender, who is a resident in India and satisfies the verification process laid down by the UIDAI can enroll for Aadhaar.

What information is shared in the e-KYC Service ? 

The Aadhaar holder’s demographic information i.e. Name, Address, Date of Birth, Gender, Phone & Email (where available) and Photograph which is currently available with the resident is shared via the e-KYC service.

Who can use the e-KYC service ? 

The e-KYC Service is envisaged as a public benefit service. Any organization, authorized and approved by UIDAI to use this service can deploy the e-KYC service to serve its business interest. UIDAI envisages, initially organisations such as Banks, Telecom, Financial Services etc who have a regulatory compliance to perform a KYC function will be the front runners in leveraging this service.

What are the key features of the e-KYC service ? 

Some of the key features of the e-KYC service are:

  • Paperless : The service is fully electronic, enabling elimination of KYC document management.
  • Consent based : Data is shared by the resident consent through Aadhaar authentication, thus protecting resident privacy.
  • Secure and compliant with the IT Act : Data transfer are secured through the use of encryption and digital signature as per the Information Technology

Act, 2000 making e-KYC document legally equivalent to paper documents.

  • Non-repudiable : The use of resident authentication for authorization, the affixing of a digital signature by the service provider originating the e-KYC request, and the affixing of a digital signature by UIDAI when providing the e-KYC data makes the entire transaction non-repudiable by all parties involved.
  • Instantaneous : The service is fully automated, and KYC data is furnished in real-time, without any manual intervention
  • Regulator friendly : The service providers can provide a portal to the Ministry/ Regulator for auditing all e-KYC requests.
What is the regulatory stance on the e-KYC Service ? 

RBI, IRDA, PFRDA & SEBI have accepted UIDAI’s e-KYC Service as a valid KYC.

Aadhaar Seeding Form


“Compare and Shop is a Service provided by Cheggout Services Pvt Ltd for Punjab and Sind Bank customer(s). Punjab & Sind Bank is providing this as a value added service. Punjab and Sind Bank does not guarantee or warranty or make any representation about the usefulness, worthiness and/or character of the product/service and/or discount or benefit.”