VipulMBF
7 October 2024
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EKYC
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On-board customers faster with Protean eKYC 
Solution
Eliminate lengthy KYC verification processes, reduce costs & eliminate fraud our comprehensive eKYC solution!
Key Features
Description
Paperless and quick customer on boarding and verification process
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Paperless on boarding
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Higher availability, lower drop-offs, and increased conversion rates
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Available 24/7
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Seamless API integration with your systems, ensuring quick deployment
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Plug & Play solution
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Adheres to AML & KYC compliances to ensure secure on boarding
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Compliant & secure
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Secure and automated verification of customer identities
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Biometric authentication tech
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Make your business fast, reliable & safe for your customers
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Platform
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Face Verification
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Description
Detects facial features through live image or video capture to ensure customer legitimacy and liveliness.
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Economical
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Description
Reduce the total cost of verification with paperless and automated processing.
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OCR Technology
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Automated and accurate data extraction speeds up the KYC process, saving both time and costs.
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Low-Code Orchestration
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Simplify development with minimal coding, enabling quick deployment and customizable workflows.
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Automated
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Intelligent inbuilt micro services that minimize manual interventions and errors.
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Seamless and Secure Solutions for Enhanced eKYC Compliance
Service
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Aadhaar Verification
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Description
Seamless API for financial institutions to prevent fraud and ensure reliable customer onboarding. Plug & play integration for Aadhaar Card verification.
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PAN Verification
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Description
Real-time API for instant identity verification of individuals and businesses. Ensure the legitimacy of PAN before onboarding. Supports bulk PAN verification for efficiency.
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Driving License Verification
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Description
Streamline onboarding with our API. Detect information forgery, provide instant updates, and ensure genuine customers with verified licenses.
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GSTIN Verification
Get in Touch Link
Description
Simplify vendor onboarding with our GST verification API. Instantly reveal real-time GST details and enjoy easy integration. Complete KYC swiftly.
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OCR Verification
Get in Touch Link
Description
Enhance your platform with our OCR API. Extract data from documents with precision, verify authenticity in real-time, and prevent fraud.
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Passport Verification
Get in Touch Link
Description
Simplify passport verification with our API. Prevent access by manipulated details, provide real-time verification, and detect fraudsters efficiently.
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IFSC Verification
Get in Touch Link
Description
Securely verify the bank's branch and associated account details with our IFSC API. Ensure authenticity and make informed decisions.
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Account Verification
Get in Touch Link
Description
Simplify user onboarding with our account verification API. Verify bank accounts quickly, ensuring reliability and swift assessment.
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FAQ’s
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All you want to know about the service
FAQ's
Question
1. What is a UIDAI-licensed Aadhaar e-KYC API?
Answer
A UIDAI-licensed Aadhaar e-KYC API is a secure and regulated service that enables paperless identity verification using Aadhaar data. Once a user provides explicit consent, this API fetches verified demographic details (such as name, address, DOB, gender) directly from the UIDAI database in real time. It replaces the need for manual document collection and significantly shortens the onboarding process. Only approved Authentication User Agencies (AUAs) and e-KYC User Agencies (KUAs) can access this API. Protean’s Aadhaar e-KYC API is designed with robust encryption, audit trails, and regulatory compliance—making it ideal for banks, NBFCs, insurers, fintechs, and other regulated institutions.
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2. How fast is Aadhaar e-KYC API integration?
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Aadhaar e-KYC API integration is typically fast and seamless. Protean offers developer-friendly documentation, SDKs, and sandbox environments to speed up onboarding. Most organizations can integrate within 2–5 days, depending on their technical readiness. The APIs use standard protocols defined by UIDAI (PID/XML format), which reduces implementation effort. We provide sample Java and C code, along with guidelines for error handling, fallback logic, and consent capture. Whether you're a startup or an enterprise, our team supports you through testing, staging, and production rollouts to ensure a smooth go-live experience—while maintaining full compliance with UIDAI requirements.
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3. What’s the difference between Aadhaar OTP and biometric authentication?
Answer
Both Aadhaar OTP and biometric methods are valid under UIDAI’s e-KYC framework, but serve different assurance levels. Aadhaar OTP Authentication API uses a one-time password sent to the user’s registered mobile number. It’s fast, convenient, and ideal for low- to medium-risk transactions like wallet onboarding or telecom KYC. Biometric authentication, on the other hand, uses fingerprint or iris data for stronger, fraud-resistant verification—suitable for high-value transactions, bank accounts, and sensitive operations. Protean also supports offline XML-based Aadhaar e-KYC for fallback scenarios, ensuring uninterrupted onboarding even during network or biometric failure.
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4. What are the compliance requirements for Aadhaar e-KYC APIs?
Answer
To use Aadhaar e-KYC APIs, organizations must be registered as AUAs/KUAs with UIDAI or integrate through a licensed entity like Protean. Compliance requirements include secure key management using HSMs, digitally signed API responses, data encryption during transit and storage, and explicit user consent logs. APIs must comply with RBI, SEBI, IRDAI, and PMLA guidelines for identity verification and data privacy. Protean’s Aadhaar eKYC services follow all regulatory norms, including real-time audit logging, XML signature validation, and UIDAI’s Data Minimization and Retention directives—ensuring a compliant and secure experience for both users and service providers.q
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5. What is Aadhaar eAuth and how is it different from eKYC?
Answer
Aadhaar eAuth (Authentication) simply verifies whether the submitted Aadhaar credentials match UIDAI’s records using OTP or biometrics. The response is just a “Yes/No” answer, without returning any personal data. Aadhaar e-KYC, however, goes a step further by securely sharing the user’s demographic information like name, address, and date of birth—similar to what a physical document would offer. While eAuth is ideal for lightweight identity confirmation (like access control), e-KYC is preferred for regulatory onboarding use cases such as opening a bank account, issuing an insurance policy, or completing CKYC uploads.
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6. Is Aadhaar e-KYC secure and privacy-compliant?
Answer
Yes. Aadhaar e-KYC APIs follow stringent UIDAI guidelines to ensure data security, privacy, and compliance. All data exchanged is encrypted using UIDAI-issued public keys and returned in digitally signed XML format. Biometric data, when used, is processed through certified devices with live detection capabilities to prevent spoofing. Protean’s API infrastructure includes HSM-backed key management, tokenized access, and IP whitelisting. Offline e-KYC (XML or QR-based) is also protected by user-defined share codes. Additionally, UIDAI mandates strict data retention and access controls, which Protean enforces at every level—making our platform one of the most trusted for secure identity verification.
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7. Which industries use Aadhaar e-KYC & eAuth APIs?
Answer
Protean’s Aadhaar APIs are used across multiple regulated and high-risk industries:
• Banking & NBFCs: Loan approvals, CKYC uploads, account opening, auto-debit setup (eNACH)
• Insurance & Mutual Funds: Policy issuance, premium payment onboarding, IRDAI/SEBI-compliant KYC
• Telecom: SIM card activation, mobile plan onboarding
• Fintech & Digital Wallets: Real-time user verification, fraud prevention
• Healthcare & Telemedicine: Paperless patient registration, digital health IDs
The APIs simplify user onboarding, reduce fraud, and ensure regulatory compliance—all while enhancing the user experience.
• Banking & NBFCs: Loan approvals, CKYC uploads, account opening, auto-debit setup (eNACH)
• Insurance & Mutual Funds: Policy issuance, premium payment onboarding, IRDAI/SEBI-compliant KYC
• Telecom: SIM card activation, mobile plan onboarding
• Fintech & Digital Wallets: Real-time user verification, fraud prevention
• Healthcare & Telemedicine: Paperless patient registration, digital health IDs
The APIs simplify user onboarding, reduce fraud, and ensure regulatory compliance—all while enhancing the user experience.
Question
8. How does offline Aadhaar e-KYC work without internet?
Answer
Offline Aadhaar e-KYC is a fallback method that doesn’t require a live connection to UIDAI’s servers. Users can download a digitally signed XML or QR code file from the UIDAI portal or mAadhaar app. This file contains limited demographic data (name, DOB, gender, address, etc.) and is secured with a user-defined share code. Service providers can decrypt and validate this file to complete KYC, ensuring secure, consent-based verification even in remote or low-connectivity areas. Protean supports both XML and QR-based workflows, making it ideal for field operations and last-mile service delivery.
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9. Can I test Aadhaar eKYC APIs before going live?
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Absolutely. Protean offers a dedicated sandbox environment for developers to test Aadhaar eKYC and eAuth flows using UIDAI-compatible protocols. The sandbox simulates real-world request/response cycles and supports both OTP and biometric authentication paths. We provide technical documentation, sample code, API reference, and staging credentials. The sandbox is designed for AUAs/KUAs and regulated entities to validate payload formats, test consent journeys, and ensure encryption protocols before hitting production. This helps reduce go-live errors and ensures full compliance from day one.
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10. What is the pricing for Aadhaar e-KYC APIs in India?
Answer
Aadhaar e-KYC API pricing depends on multiple factors including mode of authentication (OTP, biometric, or offline XML), monthly transaction volume, SLA tiers, and integration model (direct or via aggregator). Protean offers transparent, pay-as-you-grow pricing for startups and enterprise plans for high-volume users. Charges are structured per successful transaction and include UIDAI fees where applicable. For a detailed quote or volume discounts, reach out to our solutions team—we’ll tailor the best plan for your needs while keeping compliance and scale in mind.
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