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)
Proof of Address Fields (English)
- Care of” person’s name
- House identifier
- Name of village or town or city
- 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.