A fundamental building block for service delivery is the KYC (Know Your Customer)
process, which establishes the identity of the resident, their address, and other basic
information such as their date of birth and gender. Typically, this KYC information is
combined with other information at the point of service delivery to determine eligibility
– either for an LPG connection, a scholarship, a loan, a social security pension, a mobile
The Aadhaar e-KYC service provides an instant, electronic, non-repudiable proof of
identity and proof of address along with date of birth and gender. In addition, it also
provides the resident’s mobile number and email address to the service provider, which
helps further streamline the process of service delivery. E-KYC may be performed at an
agent location using biometric authentication, as well as remotely using an OTP on a
website or mobile connection.
The Aadhaar e-KYC ecosystem has been designed to be scalable, just like the enrolment,
updation, and the authentication ecosystems. It follows the same operating model as
that of the Aadhaar authentication ecosystem.
The Aadhaar e-KYC service can help speed up the realization of the goals of the
Electronic Service Delivery Bill24. A key application of e-KYC in Government applications
is the seeding of Aadhaar in the various Government Schemes for service delivery.
The Aadhaar number has the property of being a globally unique address for every
resident of India, for life. This property makes it attractive to use Aadhaar as a payment
address. The Aadhaar Payments Bridge has been recommended by the Task Force on an
Aadhaar-enabled Payments Infrastructure, as a system that can route money to any
resident on the basis of the Aadhaar number.
With e-KYC, an Instant Account can be provided to anyone. The combination of Aadhaar
as a Payment Address and e-KYC for an Instant Account can be used to create innovative
products. For example, money can be sent to anyone with an Aadhaar number,
irrespective of whether they have a bank account. If the receiver has an Aadhaarenabled
bank account, money can be transferred into it. If the receiver does not have an
Aadhaar-enabled bank account, an Instant Account can be created on the basis of the
Aadhaar number, with a debit freeze. Money transferred is credited into the Instant
Account. The Instant Account can be activated during the first withdrawal on the basis