Aadhaar card verification through ekyc: A deep dive into Aadhaar card verification process
Aadhaar serves the purpose of consolidating address, ID, and age proofs into a single card, eliminating the need for extensive paperwork. It facilitates direct access to government services without intermediaries. This blog delves into Perfios Aadhaar-based EKYC and Aadhar Verification APIs, simplifying the Aadhaar card verification process for enhanced convenience.
Why is Aadhaar card Verification essential?
Aadhaar card Verification is the process of confirming the existence and validity of your Aadhaar card. In this process, the Aadhaar number, along with the holder’s demographic or biometric data, is forwarded to the Central Identity Data Repository. The repository then validates the information against its records. Verification is easily done using the 12-digit Aadhaar number on the official UIDAI website.
Aadhaar card holders can verify the details of their Aadhaar card before submitting it as proof of identity.
An Aadhaar card serves multiple purposes, including loan applications, bank account openings, SIM card acquisitions, permanent account number (PAN) issuance, income tax filings, and passport applications.
How to conduct Aadhaar card verification
Step 1: Go to the Uidai website at https://uidai.gov.in
Step 2: Click on ‘Verify an Aadhaar number’ under My Aadhaar from the Aadhaar services menu. Click here for the direct link: https://myaadhaar.uidai.gov.in/verifyAadhaar
Step 3: Submit the Aadhaar number you wish to verify along with the Captcha code.
Step 4: Conduct Aadhaar card verification by clicking on the ‘Proceed and Verify Aadhaar’ button
Next, the page will display ‘Aadhaar Verification Completed’ along with details such as age band, gender, state, and last three digits of the mobile number.
What is e-KYC?
Gone are the days of enduring lengthy queues, navigating between departments, and making frequent trips to the bank with the constant worry of document loss. Electronic Know Your Customer (eKYC) revolutionizes identity verification by digitally confirming an entity’s identity without physical interaction. Aadhaar authentication is integral to eKYC, where service providers electronically access UIDAI’s database to validate a customer’s credentials, hence the term Aadhaar-based eKYC.There are different methods to perform eKYC.
These are as follows:
Online Methods
Online Aadhaar eKYC Using OTP
Commence your eKYC process online by receiving a One-Time Password on the mobile number linked to your Aadhaar card. Upon entering the OTP, the customer’s Aadhaar is authenticated, and the details are forwarded to the service provider for verification.
Online eKYC Aadhaar Biometric Authentication
Utilizing a scanner, biometric authentication captures fingerprints or retina images. This crucial data is transmitted to the UIDAI and compared with the biometric records stored under the customer’s unique Aadhaar number.
Upon confirming the match, UIDAI securely transmits the customer’s identifying information to a third-party verification service provider for authentication. Once the third-party verification service provider validates the information, the process concludes.
Offline methods
Aadhaar XML or Aadhaar Paperless Offline e-KYC
The Aadhaar XML document, known as Aadhaar Paperless Offline E-KYC, is a digitally signed and encrypted machine-readable file. It provides a secure and offline means of verifying the cardholder’s identity. After extraction from the UIDAI website, the XML document can be stored on a laptop or phone. This file, being digitally signed by UIDAI, is tamper-proof and authentic, serving as proof of identity for KYC purposes with various agencies offering goods and services..
QR code
Observe the distinctive QR code on your Aadhaar card, designed to be machine-readable and unique. It encompasses the necessary demographic information for eKYC. Service providers can utilize a code scanner, eliminating the need for access to UIDAI’s database. The extracted details are then employed for Aadhaar authentication.
Perfios Aadhaar Verification APIs for eKYC
Perfios Aadhaar card Verification APIs allow you to conduct Aadhaar card verification more efficiently, seamlessly, and cost-effectively. Let’s look at each Aadhaar card Verification API closely.
Aadhaar number verification: You must enter your name and Aadhaar card number and assign a particular case ID. When accessing such pertinent information of an Aadhaar card holder, Karza’s Aadhaar verification APIs will always ask for consent. The Aadhaar Card Verification API, in response, provides the masked mobile number, age band, state, and gender along with the assigned case ID when your toggle button is set to “Consent” and your Aadhaar card verification is completed.
Aadhaar XML Download (Consent-Based): You must enter your name and assign a case ID, provide consent to access your Aadhaar and fetch your details by ticking the box given below the fields. You must assign a code which you will use to open the XML document and enter the OTP sent to your Aadhaar-linked mobile number.
The Aadhaar Verification API will push the customer’s identifying information such as Name, Date Of Birth, Father’s name, Gender and Address, and the API matches the name provided in the fields with the name embedded in the Aadhaar document and provide a match score.
The Aadhaar Verification API also provides a link to download the XML file, which can be opened using the share code assigned earlier by the customer. There is another API where the share code that will allow the customer to access the XML file is generated by the API itself.
Other Aadhaar verification APIs require entering the Aadhaar number, and the OTP sent to the Aadhaar-linked mobile number, which assists in downloading the Aadhaar XML and E-Aadhaar and provides user details as per UIDAI and Digilocker.
Conclusion
As most Indians have an Aadhaar card in their possession, Aadhaar cards are becoming the dominant identity proof, and this position is further enhanced by the relentless efforts of the UIDAI and the Indian government to ease the access to Aadhaar cards in different situations when asked for identity proof. The Government Of India is tenacious in its pursuit to further leverage the widespread usage of Aadhaar cards to ensure that the benefits of Government policies and other initiatives are delivered to those at the bottom of the pyramid. While Perfios has you all covered with its eclectic list of APIs to enable seamless retrieval of details of the Aadhaar card holder through different mediums and methods, thereby facilitating the subsequent verification and authentication of the user’s identity.
About Perfios:
Perfios Software Solutions is India’s largest SaaS-based B2B fintech software company enabling 900+ FIs to take informed decisions in real-time. Headquartered in Bangalore, India, Perfios specializes in real-time credit decisioning, analytics, onboarding automation, due diligence, monitoring, litigation automation, and more.
Perfios’ core data platform has been built to aggregate and analyze both structured and unstructured data and provide vertical solutions combining both consented and public data for the BFSI space catering to their stringent Scale Performance, Security, and other SLA requirements.
You can write to us at connect@perfios.com
For more information on our solutions, contact us at https://solutions.perfios.com/request-for-demo
