First Steps in Implementing Aadhaar eKYC Service

A check list for deciding how to go about implementing an Aadhaar eKYC service.

Know about UIDAI ecosystem for Aadhaar authentication and eKYC

Check Out Whether You Qualify for KUA Enrolment

eKYC Service Implementation Pre-Planning

Start Enrolment Process

Know about UIDAI ecosystem for Aadhaar authentication and eKYC

Unique Identification Authority of India (UIDAI) offers Aadhaar based authentication and eKYC services that can be used by organisations in India. Aadhaar based authentication enables establishing the identity of an Aadhaar holder using one of the five authentication methods. The Aadhaar eKYC service provides the KYC information (i.e. the photo, ID proof and address proof) in digital format from UIDAI's central datacenter.

The KYC information provided is pre-verified, digitally signed and accepted by all major regulators such as RBI, TRAI, IRDIA, SEBI etc. as legally valid KYC document. The details of KYC data elements are as given below.

Proof of Identification Fields

Photo ( base64 encoded JPEG image)
Full Name
Date of birth of the resident in DD-MM-YYYY format
Gender of the resident. Valid values are M (male), F (female) and T (transgender)
Phone
Email

Proof of Address Fields (English)

Care of” person’s name
House identifier
Street
Landmark
Locality
Name of village or town or city
Sub-District
District
State
Postal pin code
Post Office

The data is made available only after successful authentication of the Aadhaar holder using biometric (fingerprint scanner or iris scanner) based authentication or OTP based authentication. The biometric fingerprint scanner or irsi scanner used will have to be an STQC registered model. STQC has published a list of models and their authorised suppliers on their website.

In order to use the Aadhaar eKYC service, the organistation will have to register as an KUA with UIDAI. To become a KUA, the organisation has to first register as an AUA and then go on to register as a KUA.

UIDAI has laid down certain eligibility criteria for organisations enrolling as AUA/KUA.

See the next checklist item to see if you qualify for KUA registration.

Check Out Whether You Qualify for KUA Enrolment

UIDAI has laid down a set of eligibility criteria that determines whether an organisation is fit to enrol as an AUA and KUA. The eligibility criteria also give the details of the organisation categories, the financial and technical qualification criteria for each of the category.

Finahub's blog post Eligibility criteria for entities to get UIDAI Aadhaar AUA / KUA registration has all the details you need to know whether your organisation can enrol as KUA and roll out the eKYC services.

BTW there is no need to be disappointed if your organisation does not qualify to become a KUA, Finahub has a solution that would enable you to use digital Aadhaar KYC without KUA registration.

Contact us for more details.

eKYC Service Implementation Pre-Planning

So you are eligible, what next?

You are here because you have made sure that your organisation qualifies to register as KUA, good. Let's look at how you should go about implementing the service within your organisations.

First you need to decide on how the eKYC service will be used by your customers. KYC data is available only after successful authentication of the Aadhaar holder using biometric authentication or OTP authentication. You need to keep this in mind when implement the service.

When you plan to implement Aadhaar eKYC Service for you organiasation, you need to find answers for the following questions.

What is your customer acquisition channel?
- If it is web based, then you can go for OTP based authentication (Do check if your regulator accepts OTP as authentication method doing KYC, RBI doesn't.)
- If it is through a branch network, you would need biometric fingerprint scanner based authentication.
- If you have field agents doing customer acquisition, then you might want to go for mobile solution that uses biometric fingerprint scanner based authentication.
How are you planning to integrate eKYC service with your current CRM systems?
- It can be a standalone system or an integrated one, the choice is yours.
Do you have an IT infrastructure that is according the Technical Eligibility Criteria specified by UIDAI?
- If not, what are the gaps? How to address them?
How much does it cost?
- The major cost factors in eKYC service rollout would be
  - Biometric Fingerprint Scanners (Depending on the model and the number of devices it can cost between Rs 2500 - Rs 3800 per piece)
  - IT infrastructure procurement (Depends on what you already have and what need to procure)
  - KUA Servers (Contact Us)
  - CISA audit for eKYC service implementation (About Rs1.5 lakh - 2 lakh)
  - Digital Certificates for signing, encryption and SSL (About Rs 50k)
How long does it take?
- A well planned implementation can take anywhere between 4 to 6 months.

If you have any questions about the planning eKYC service implementation, feel free to contact us and we will be happy to help you out.

Start Enrolment Process

Aadhaar eKYC Service implementation process starts with submitting and enquiry on the UIDAI Auth Portal.

The web form collects the basic details about your organisation and the business scope for Aadhaar authentication. Once the form is submitted, UIDAI will review your request and will get back to you on whether you can proceed to submitting an application for AUA registration.