For Banks, Fintechs, NBFCs, and Regulated Entities seeking a fast, compliant, and secure way to verify customer identities, the National Payments Corporation of India (NPCI) offers Aadhaar-enabled e-KYC services as an authorized Authentication Service Agency (ASA).
NPCI’s ASA framework connects Authentication User Agencies (AUA) and e-KYC User Agencies (KUA) to UIDAI’s Central Identities Data Repository (CIDR) for real-time, paperless verification—eliminating manual KYC delays, reducing fraud risks, and meeting RBI and UIDAI compliance norms.
What is e-KYC?
e-KYC (electronic Know Your Customer) lets businesses verify identities online using Aadhaar. It uses secure methods like biometric checks (fingerprint, iris, face) or an OTP (One-Time Password) sent to the Aadhaar-linked phone
Also Read: What is KYC – Why is it Important?
Why Choose NPCI’s e-KYC Services?
- Regulatory Compliance: Fully aligned with UIDAI guidelines and data privacy norms.
- High Reliability: 99.99% service uptime for uninterrupted identity verification.
- Speed to Market: API-based onboarding reduces go-live timelines.
- Multi-Modal Authentication: Supports Biometric (Fingerprint, Iris, Face) and OTP methods.
- End-to-End Support: Dedicated product managers, 24/7 production assistance, and secure network options.
How NPCI e-KYC Works – Process Flow
- Verification Request: An AUA/KUA initiates an e-KYC request for a customer.
- Secure Routing via NPCI (ASA): NPCI securely transmits the request to UIDAI’s CIDR.
- UIDAI Authentication: Customer identity is verified using biometric or OTP authentication.
- Masked Data Response: UIDAI returns essential demographic data (with Aadhaar number masked) to the requesting entity.
- Customer Onboarding: Entity can instantly complete KYC without physical documentation.
NPCI ASA Services – Core Capabilities
- Authentication & e-KYC: Aadhaar-based biometric and OTP verification.
- 24/7/365 Support: Continuous production assistance to ensure smooth operations.
- Secure Connectivity: VPN and leased line options for safe, reliable data exchange.
- Onboarding Tool: Real-time tracking and management of entity onboarding.
- MIS & Data Handling: Comprehensive reporting, raw data file management, and reconciliation support.
- Dedicated Relationship Management: Product partner support for onboarding and post-go-live phases.
Key Terms (UIDAI-Aligned)
- AUA – Authentication User Agency: An entity using Aadhaar authentication services.
- KUA – e-KYC User Agency: An AUA approved for e-KYC data access.
- ASA – Authentication Service Agency: Entity providing secure connectivity to UIDAI’s CIDR.
- CIDR – Central Identities Data Repository: UIDAI’s Aadhaar data storage and authentication system.
For more details or to get started with NPCI’s e-KYC Services, contact: [email protected]
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