🕜 Quick Answer
What is DigiLocker eKYC?
DigiLocker eKYC fetches government-verified documents (Aadhaar, PAN, driving licence, passport, voter ID) directly from MeitY's DigiLocker platform with customer OAuth consent. Documents are RBI-recognised OVDs — legally equivalent to originals. eKYCNow fetches any DigiLocker document in 2–4 seconds at ₹10/fetch.
What Is DigiLocker eKYC?
DigiLocker is India's national digital document repository, operated by the Ministry of Electronics and Information Technology (MeitY). Over 6 billion documents are stored across 270 million+ registered DigiLocker accounts, issued by 2,500+ government agencies — making it the world's largest digital document infrastructure.
DigiLocker eKYC allows a regulated entity to fetch government-verified documents directly from DigiLocker with the customer's explicit OAuth consent — no document scanning, no manual upload, no risk of forgery. Every document fetched is digitally signed by the issuing government agency (UIDAI, NSDL, RTO, ECI, MEA), making it legally equivalent to the physical original under the Information Technology Act, 2000.
✅ RBI Compliance Note
DigiLocker documents are legally equivalent to originals under Section 7A of the Information Technology Act, 2000 and the DigiLocker Rules, 2016. RBI's KYC Master Direction explicitly recognises them as valid OVDs (Officially Valid Documents) for Customer Due Diligence. Full RBI compliance guide →
Documents Available via DigiLocker eKYC
| Document |
Issuing authority |
Use in KYC |
eKYCNow support |
| Aadhaar card |
UIDAI |
Primary OVD — identity + address |
✓ |
| PAN card |
NSDL / Income Tax Dept |
Mandatory for txns above ₹50K |
✓ |
| Driving licence |
State RTOs (MoRTH) |
Age verification, vehicle-related products |
✓ |
| Voter ID (EPIC) |
Election Commission of India |
Secondary OVD — identity + address |
✓ |
| Passport |
Ministry of External Affairs |
International/premium products, EDD |
✓ |
| Vehicle RC |
State RTOs |
Vehicle financing, fleet management |
✓ |
| Class 10/12 certificates |
CBSE, state boards |
Age verification, credit underwriting |
✓ |
| Vaccination certificate |
Ministry of Health (CoWIN) |
HR/travel onboarding |
✓ |
How DigiLocker eKYC Works
01
Entity requests documents
Your system calls eKYCNow's DigiLocker API, specifying which documents to fetch (e.g. Aadhaar + PAN + DL).
02
Customer receives link
Customer gets a secure consent link via SMS/WhatsApp. No app download needed.
03
Customer logs in
Customer authenticates to DigiLocker using mobile OTP. OAuth consent screen shows exactly which documents will be shared.
04
Customer grants consent
Single tap consent. DigiLocker shares the requested documents only.
05
eKYCNow fetches & validates
eKYCNow retrieves the digitally-signed documents, validates government signatures, and extracts structured data.
06
Structured data returned
JSON response with verified fields from each document. 2–4 seconds total.
DigiLocker eKYC vs Aadhaar eKYC
| Factor |
Aadhaar OTP eKYC |
Offline Aadhaar eKYC |
DigiLocker eKYC |
| Documents available |
Aadhaar only |
Aadhaar only |
8+ OVD types |
| UIDAI registration required? |
Yes |
No |
No (basic) / Yes (more docs) |
| Forgery risk |
Very low |
Very low |
Zero (govt-signed) |
| Address proof included? |
Yes (Aadhaar) |
Yes (Aadhaar) |
Yes (Aadhaar, DL, Voter ID) |
| Transaction cap |
₹1L/year |
₹1L/year |
Varies by document combo |
| Best for |
Fast mobile KYC |
Assisted/privacy |
Document-heavy use cases |
| eKYCNow price |
₹10/check |
₹10/check |
₹10/document |
DigiLocker eKYC Use Cases in India
🚗
Vehicle Finance
Fetch Driving Licence + RC in one consent flow. No document scanning needed.
🏦
NBFC Lending
PAN + Aadhaar + income docs in one session. Complete KYC + underwriting simultaneously.
🛡️
Insurance Onboarding
Policy issuance with verified age proof (DL, passport). No manual verification needed.
👤
HR & Gig Economy
Employee onboarding — certificates, DL, PAN — fully digital in under 5 minutes.
📊
Wealth Management
PAN + income docs for investment account KYC. SEBI-compliant document trail.
🎓
Edtech & BNPL
Age verification via Class 10 certificates. Student lending underwriting.
DigiLocker eKYC API Integration
⚙️
POST /v1/digilocker/fetch — send mobile, documents[] (list of document types), webhook_url. Returns consent_url to send to customer. On consent, eKYCNow fetches documents and posts structured JSON to your webhook: document_type, issuer, fields (name, DOB, number, etc.), signature_valid, issued_at. Full docs: India API docs →
⚙️
Chain DigiLocker + Aadhaar + AML in one session: eKYCNow's orchestration API lets you define a complete onboarding flow — DigiLocker fetch → Aadhaar cross-match → PAN verify → AML screen → CKYC upload — as a single API call. The customer sees one seamless consent flow. Talk to our team →
All plans include: 5 free checks on signup, 85%+ auto-approval AI, 99.9% uptime SLA, SOC2/ISO 27001 certification. Full India pricing →
₹10/document · 5 free fetches — no credit card
Fetch verified documents from DigiLocker in minutes
Government-signed originals, zero forgery risk, RBI-recognised OVDs. One API, 8+ document types, 2–4 second response.
₹10/verification · 5 free checks — no credit card
Add DigiLocker document fetch to your onboarding today
8+ OVD types, government-signed originals, 2–4 second response. RBI-compliant. ₹10/document, zero setup fee.
