Go Paperless with dKYC

“Digital KYC” entails capturing a live photograph of the customer plus an officially valid document (or Aadhaar proof) when offline verification isn’t possible, together with the geolocation of the capture. This forms part of the Customer Identification Programme (CIP) and ensures end-to-end compliance. See RBI Master Direction – KYC Directions, 2016: Here

dKYC verifies Aadhaar and PAN through OTP, DigiLocker or OCR on our intuitive dashboard or via REST APIs. It cross-validates the data with UIDAI and NSDL in real time, matches a live selfie with the ID photo using biometric face match and liveness checks, and runs reverse geocoding to confirm the user’s location. The process remains fully automated, with no manual steps required.

When organisations replace paper and manual checks with automated KYC, they cut processing costs by up to 70 percent, onboard customers 80 to 90 percent faster, strengthen fraud prevention through biometrics and artificial intelligence, and lift customer satisfaction by offering a seamless paperless journey.

Yes, in DKYC we categorise every customer as Low, Medium or High risk and schedule reminders in line with the RBI’s  KYC Directions. High-risk customers undergo re-KYC at least once every two years, Medium-risk customers every eight years and Low-risk customers every ten years, ensuring continuous compliance with regulatory timelines. See RBI Master Direction – KYC Directions, 2016: Here

We support all RBI-approved Officially Valid Documents (OVDs); Aadhaar (online/offline), PAN, Passport, Driving Licence, Voter ID, NREGA Job Card, etc. dKYC covers all six SEBI-mandated attributes and the four pillars of KYC; Customer Identification Program (CIP), Customer Due Diligence (CDD), Risk Management and Ongoing Monitoring.

Yes. dKYC is integrated with NSDL eSign (Aadhaar-OTP based), enabling digitally signed documents that are valid under the Information Technology Act, 2000. All eSigns are stored securely as part of the KYC record.

Our Video Customer Identification Programme (V-CIP) delivers both one-way and two-way video calls. During the session it captures live video and photographs, runs biometric face match with real-time liveness detection, and stores geo-tagged selfies along with IP validation. The end-to-end flow is fully compliant with the Reserve Bank of India’s V-CIP guidelines (effective 9 January 2020), so you stay fully aligned with regulatory expectations.

Yes. Our corporate module captures Certificate of Incorporation, PAN, board resolutions and beneficial-owner details, leveraging DigiLocker and OCR. Bulk-upload APIs and batch processing let you onboard hundreds of entities in one operation.

dKYC connects directly to NSDL’s PAN verification API, UIDAI’s Aadhaar eKYC and offline KYC gateways, and OCR pipelines that process passports and other identity proofs. This architecture delivers instant and accurate identity validation while maintaining a complete audit trail.

Yes. Via our DigiLocker API integration, you can pull government-issued e-documents (Aadhaar XML, Driving Licence, etc.) straight into the KYC record, eliminating manual uploads and ensuring tamper-proof files.

No. dKYC is a SaaS solution you can host on-cloud or on-premise (per your IT policy), the end users only need a modern browser and internet connection, no additional software installations.

Very quickly. We provide out-of-the-box REST APIs and webhooks. From credential setup to sandbox testing and go-live, typical integrations completes in 3–5 business days. You receive real time, end-to-end KYC status updates while keeping IT effort to a minimum.

Our clients typically cut KYC costs by 60–70 percent, accelerate onboarding by 80–90 percent and halve manual exceptions. Thanks to our plug-and-play APIs for core banking, depository and KRA systems, most institutions go live within two to four weeks.

All data in transit uses TLS 1.3; data at rest is encrypted in ISO 27001-certified data centers. We enforce role-based access controls (RBAC), maintain audit trails and real-time security alerts in line with RBI’s Cyber Security Framework for Banks (2016). Identity proofs are fetched live from UIDAI, NSDL and DigiLocker to guarantee authenticity.

dKYC exports KYC data as JSON or CSV straight into our 360° SupTech dashboard, where live risk scores and full customer histories appear alongside maker-checker workflows for four-eyes approval. The system also runs Unique Customer Identification Code (UCIC) deduplication and issues automated alerts for any policy breaches, giving you everything required to remain audit-ready under RBI’s risk-management norms.