How to Do KYC in DigiLocker: Steps, Importance and Benefits

DigiLocker is a digital platform that lets you store and access all your important documents online. It is a part of India's Digital India initiative, which aims to promote a paperless way of living. DigiLocker KYC feature allows financial institutions to retrieve and authenticate documents with your consent. This makes it easier and faster for them to onboard you as a customer.

The goal of this KYC is to provide you with Digital Empowerment and allows you to access original digital documents via a Digital Document Wallet. It makes things a lot easier for financial institutions and other organisations that need to verify your identity. Here you will get to know the overall process of how to do KYC in DigiLocker, its importance, benefits, and more.

Follow the step-by-step process given below on how to do KYC on DigiLocker:

Step 1: First, you need to create an account in DigiLocker.

Step 2: Enter your mobile number, Aadhar number, and other details to verify your account.

Step 3: After creating your account, log in to your DigiLocker account.

Step 4: On the DigiLocker dashboard, click on the "Link Aadhaar" option.

Step 5: Enter your Aadhaar number and select the checkbox to send your consent.

Step 6: You will receive an OTP on your registered mobile number. Enter the OTP in the designated field and click on the "Verify" button.

Step 7: After verification, you can upload the documents or get your documents issued by UIDAI, CBSE, or others.

Step 8: Once you have uploaded the necessary documents, click on the "Submit" button to complete the process.

Your KYC on DigiLocker will be completed, and then you can access your documents through your DigiLocker account.

If you want to update your DigiLocker KYC details, you need to carry out the following steps:

Step 1: Visit the DigiLocker website and log in to your account.

Step 2: Select the Issued Documents option.

Step 3: Click on the Aadhar Card option and then on Refresh.

Step 4: Click on the consent option to accept it.

Step 5: Select “Update” and enter the OTP.

Your KYC details will be updated on the DigiLocker with the new information.

The following are a few importance of Digilocker KYC features:

• The KYC process is a crucial step in creating a secure and reliable digital identity for users that allows them to access and benefit from the services offered by DigiLocker anytime.
• Moreover, this process ensures that only authorised individuals have access to the DigiLocker account. It guarantees the authenticity and security of the documents stored in it.
• It contributes to the mission of Digital India by steering Indians towards a paperless future, reducing overall workload, and saving time. 
• The ease of access provided by DigiLocker ensures that there is no need to carry physical papers, making it more convenient for users.
• The cloud-based nature of DigiLocker also eliminates the need for external labour to hand over documents, and the online verification process reduces the chances of corruption by eliminating intermediaries.

Completing KYC in DigiLocker is beneficial for both citizens and agencies.

For Citizens:

• It has the ability to access your important documents anytime and anywhere.
• Documents stored are authentic and legally equivalent to their physical originals.
• It allows users to digitally exchange documents with consent.
• It enables faster delivery of service for government benefits, financial inclusion employment, health services and education.

For Agencies:

• Reduces administrative overhead by promoting paperless governance and curtailing the verification process.
• Enables digital transformation by providing trusted, real-time issued documents fetched directly from an issuing agency.
• Acts as a secure document gateway and exchange platform, between trusted issuers and requesters with consent.
• Offers a verification module that enables government institutes to double check data from issuers directly in real time basis after receiving user consent.