Aadhaar is a 12-digit number provided by the UIDAI (Unique Identification Authority of India) to Indian citizens for free of cost. Interested individuals interested in enrolling must provide basic demographic and biometric information during the free enrollment process. Since the uniqueness is achieved through the process of demographic and biometric de-duplication, a person only needs to enroll for Aadhaar once, and only one Aadhaar will be created after de-duplication. The Aadhaar number is proof of identification, but it does not grant the holder of an Aadhaar number any right of citizenship or residence. With its inherent features of Uniqueness, Authentication, Financial Address, and e-KYC, the identification platform enables the Government of India to directly access residents of the country in the delivery of various subsidies, incentives, and services using only the resident's Aadhaar number.
What is Aadhaar eKYC?
KYC stands for "Know Your Customer," and it involves you providing proof of your identity and address, as well as other details. E-KYC is extremely beneficial because it eliminates the need for you to come in and check the information on the card. This is because they have direct access to this information through UIDAI, which means they have already been confirmed. This speeds up and simplifies the process.
Aadhaar E-KYC can be completed in three ways. The first and most basic way to do so is to be present during E-KYC. The second and third methods take less time since they can be completed electronically using a One-Time Password (OTP) or biometric authentication. The information to the service provider is submitted electronically as soon as the verification is done.
Most service providers and financial institutions encourage new users to complete the Aadhaar e-KYC process. It saves time and effort because the user does not need to carry various documentation for different types of proof, such as identity proof, address proof, and so on. It can be done using the Aadhaar e KYC process.
What is Aadhaar Offline e-KYC?
The Aadhaar Paperless Offline e-KYC eliminates the need for you to provide a photocopy of your Aadhaar letter; instead, you can download the KYC XML and provide it to service providers who require your KYC details.
Aadhaar Paperless Offline e-KYC is a safe and shareable document that can be used for offline identity verification by an Aadhaar holder.
All KYC data are encoded in machine-readable XML and digitally signed by the UIDAI authority, allowing service providers to verify their authenticity and detect any tampering. Authentication may also be done by service providers.
Advantages of Offline Aadhaar eKYC
1) Your Aadhaar number is kept private and only a reference ID is posted.
2) You can share KYC data without the involvement or knowledge of UIDAI.
3) This authentication does not necessitate the use of biometrics such as fingerprints or iris scans.
4) You have a choice of information or data from among the demographics and photos that must be provided.
5) KYC data is encoded with the phrase you provide, allowing you to maintain control over your information.
6) The UIDAI substantiates the XML file, which is a tamper-proof document, and it is signed electronically, adding to the protection of the data being shared.
How to Generate Aadhaar eKYC Offline?
Step 1: Click on https://resident.uidai.gov.in/offline-kyc
Step 2: Enter 12 Digit Aadhaar Number or 16 digits Virtual ID
Step 3: Enter Security code as shown on the screen
Step 4: Click on the button "Send OTP"
Note: To receive the OTP as an automatic call to the Aadhaar-linked mobile number, press the "Enter TOTP" button.
Step 5: Enter a 4 character below the buttons
Note: Share the code according to your preferences, and the OTP will be sent to the registered mobile phone.
Step 6: Click on "Download" to get the Offline KYC file.
Note: The password to open the downloaded file will be the Share Code entered in Step 5.
Step 7: In the ‘Download' folder, the file is immediately downloaded. You can save it to your Desktop or some other folder.
Data covered in offline e-KYC
Service providers or organizations, as previously stated, will be able to verify your information. Let's take a look at what information they'll be able to see while installing or receiving offline e-KYC data from the XML:
- Name of the Resident
- Download the Reference Number
- Date of Birth or Year of Birth
- Mobile Number in hashed form
- Email Address in hashed form
How to share Aadhaar Paperless Offline e-KYC Data?
As an Aadhaar holder, you can share the downloaded offline Aadhaar-based-KYC data in physical, soft copy, or digital format with the relevant requesting service provider or agency. Since the data is password-protected for security purposes, the ‘Share Phrase' must be sent to the appropriate entity or authority during this period.
The Aadhaar number holder can provide the verifying agency with Aadhaar Paperless Offline e-KYC data in digital or physical format, along with a share phrase:
Digital Format: XML/PDF This format is preferred when a high-quality photo is required.
Printed Format: QR code When a resident is more comfortable with a physically printed format
Low-resolution photo for visual inspection only
The Aadhaar Paperless Offline e-KYC data is encoded using a "Share Phrase" that you provide at the time of download and that must be shared with service providers or agencies in order for them to read your KYC data or information.