🕜 Quick Answer
What is Offline Aadhaar eKYC?
Offline Aadhaar eKYC uses a digitally-signed Aadhaar XML file downloaded from UIDAI's portal — the customer's Aadhaar number is never shared with the entity. eKYCNow validates the UIDAI signature and extracts structured identity data in under 1 second at ₹10/check. RBI-compliant standard CDD, same ₹1L/year cap as OTP eKYC.
What Is Offline Aadhaar eKYC?
Offline Aadhaar eKYC is a privacy-first digital KYC method introduced by UIDAI that lets individuals share their Aadhaar-verified identity data without revealing their Aadhaar number. The customer downloads a digitally signed XML file from UIDAI's portal, which your system then verifies using UIDAI's public certificate.
Unlike OTP-based eKYC, which requires a live connection to UIDAI's authentication server, Offline eKYC is asynchronous — the XML can be downloaded in advance and submitted later. This makes it useful for assisted onboarding, kiosk-based verification, or situations where real-time UIDAI OTP is impractical.
✅ Legal Basis
Offline Aadhaar eKYC is governed by the Aadhaar (Sharing of Information) Regulations, 2016 and UIDAI's Offline eKYC Guidelines. It is explicitly recognised by RBI under the KYC Master Direction (amended August 2025) as a valid Customer Due Diligence method for regulated entities.
What the Aadhaar XML Contains
The UIDAI Offline eKYC XML (VID-based) contains the following fields, all digitally signed with UIDAI's RSA-2048 certificate:
| Requirement |
What it means |
eKYCNow handles? |
| Live video connection |
Real-time, unrecorded-first session between customer and trained official |
✓ Automated + human-in-loop options |
| Face match to OVD |
Customer's live face compared to Aadhaar/PAN photo using AI |
✓ 99.2% accuracy |
| PAN verification |
PAN number verified against NSDL during session |
✓ Real-time NSDL query |
| Geo-tagging |
Customer's location must be in India and captured |
✓ Auto geo-tag with consent |
| End-to-end encryption |
Session must be encrypted throughout |
✓ TLS 1.3 + AES-256 |
| 5-year encrypted storage |
Full session recording stored for audit |
✓ Encrypted cloud storage |
| Deepfake prevention |
Added August 2025: must detect AI-generated faces and video replays |
✓ 99.4% deepfake detection |
| Customer consent |
Explicit consent for video recording must be obtained |
✓ Consent screen built-in |
| Trained official |
RE employee must be trained and certified for V-CIP |
✓ eKYCNow provides training module |
OTP eKYC vs Video KYC — Which Do You Need?
⚡
Rule of thumb: If your product involves transactions above ₹1 lakh/year or requires standard CDD (not EDD), you need Video KYC. OTP eKYC alone is not sufficient.
| Factor |
OTP eKYC / Offline Aadhaar |
Video KYC V-CIP |
| RBI classification |
Non-face-to-face |
Face-to-face equivalent |
| Transaction cap |
₹1 lakh/year |
No cap |
| Due diligence tier |
EDD (Enhanced) |
Standard CDD |
| Suitable for loans? |
Only below ₹1L |
✓ All loan sizes |
| Deepfake risk |
Medium (OTP can be shared) |
Very low (live liveness check) |
| Time |
<1 second |
4–6 minutes |
| eKYCNow price |
₹10/check |
₹18/session |
How eKYCNow Video KYC Works
| Factor |
OTP eKYC / Offline Aadhaar |
Video KYC V-CIP |
| RBI classification |
Non-face-to-face |
Face-to-face equivalent |
| Transaction cap |
₹1 lakh/year |
No cap |
| Due diligence tier |
EDD (Enhanced) |
Standard CDD |
| Suitable for loans? |
Only below ₹1L |
✓ All loan sizes |
| Deepfake risk |
Medium (OTP can be shared) |
Very low (live liveness check) |
| Time |
<1 second |
4–6 minutes |
| eKYCNow price |
₹10/check |
₹18/session |
01
Send secure link
Customer receives a one-time
secure V-CIP link via SMS or
WhatsApp. No app download
needed.
02
Customer joins
Browser-based session opens.
Consent screen captured.
Geo-tag + device check auto-
runs.
03
Liveness check
Passive multi-frame liveness +
active challenge (blink/turn).
Deepfake detection runs in
parallel.
04
Document capture
Customer holds Aadhaar/PAN
to camera. AI reads, validates,
and face-matches in real-time.
05
PAN verification
PAN number queried against
NSDL live. Name + DOB cross-
checked against document.
06
Result + CKYC upload
Session result returned via
webhook. CKYC record auto-
uploaded to CERSAI within 3
days.
Deepfake Prevention — August 2025 Requirement
The August 2025 RBI amendment formally added presentation attack detection and deepfakeprevention as explicit V-CIP requirements. This is a significant tightening — basic face-movementprompts are no longer sufficient.
eKYCNow's deepfake protection stack:
- Passive liveness analysis: Multi-frame texture analysis detects printed photos, video replays, andsilicone masks without requiring customer action.
- Active challenge-response: Random challenges (gaze direction, expression) verify the customer isphysically present.
- AI deepfake classifier: Frame-by-frame GAN detection trained on Indian deepfake datasets. 99.4%accuracy.
- Velocity fraud signals: Cross-session signals detect coordinated fraud attempts using the sameface across multiple sessions.
⚠️ Compliance risk: If your Video KYC provider doesn't have explicit deepfake detection as per the August 2025
amendment, your V-CIP sessions may not be Para 19-compliant.
| Factor |
OTP eKYC / Offline Aadhaar |
Video KYC V-CIP |
| RBI classification |
Non-face-to-face |
Face-to-face equivalent |
| Transaction cap |
₹1 lakh/year |
No cap |
| Due diligence tier |
EDD (Enhanced) |
Standard CDD |
| Suitable for loans? |
Only below ₹1L |
✓ All loan sizes |
| Deepfake risk |
Medium (OTP can be shared) |
Very low (live liveness check) |
| Time |
<1 second |
4–6 minutes |
| eKYCNow price |
₹10/check |
₹18/session |
Video KYC by Industry in India
🏦
Banks & Scheduled Banks
Full-service account opening. V-CIP removes all transaction
restrictions.
🏢
NBFCs
Loan origination above ₹1L. V-
CIP mandatory for standard CDD classification.
📊
Wealth Management
Investment account opening.
SEBI requires KYC equivalent to bank standards.
🛡️
Insurance (IRDAI)
Policy issuance above ₹1L. V-CIP accepted by IRDAI for remote onboarding.
₿
Crypto Exchanges
FIU-IND PMLA compliance. V-CIP for premium tier user
onboarding.
📱
Lending Fintechs
Personal loan, BNPL, credit line origination. Single V-CIP session covers all products.
Video KYC API Integration
eKYCNow Video KYC integrates via a single REST API. Send the customer's mobile number, receive asession URL, and get a result webhook when complete:
⚙️
POST /v1/video-kyc/initiate → returns session_url + session_id. Send session_url to customer via SMS/WhatsApp. Receive result at your webhook: status (pass/fail/manual_review), face_match_score, liveness_score, deepfake_score, pan_verified, geo_lat/long. Full docs: API India docs →
| Factor |
OTP eKYC / Offline Aadhaar |
Video KYC V-CIP |
| RBI classification |
Non-face-to-face |
Face-to-face equivalent |
| Transaction cap |
₹1 lakh/year |
No cap |
| Due diligence tier |
EDD (Enhanced) |
Standard CDD |
| Suitable for loans? |
Only below ₹1L |
✓ All loan sizes |
| Deepfake risk |
Medium (OTP can be shared) |
Very low (live liveness check) |
| Time |
<1 second |
4–6 minutes |
| eKYCNow price |
₹10/check |
₹18/session |
Video KYC Pricing in India
| Factor |
OTP eKYC / Offline Aadhaar |
Video KYC V-CIP |
| RBI classification |
Non-face-to-face |
Face-to-face equivalent |
| Transaction cap |
₹1 lakh/year |
No cap |
| Due diligence tier |
EDD (Enhanced) |
Standard CDD |
| Suitable for loans? |
Only below ₹1L |
✓ All loan sizes |
| Deepfake risk |
Medium (OTP can be shared) |
Very low (live liveness check) |
| Time |
<1 second |
4–6 minutes |
| eKYCNow price |
₹10/check |
₹18/session |
Full India pricing breakdown →