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DigiLocker is a secure digital initiative launched by the Government of India to help citizens store, access, and share important documents online. With a smooth DigiLocker login process, users can keep essential records such as Aadhaar, PAN, and certificates safely in one place. DigiLocker login using Aadhaar also makes identity verification quicker and more reliable, especially during financial applications.
For example, when applying for a personal loan, lenders typically require KYC documents to verify your identity and eligibility. Using DigiLocker login with Aadhaar allows instant access to your verified documents, reducing paperwork and speeding up the loan process. This digital solution makes document management easier, saves time, and improves convenience. Before starting any loan process, you can also check your pre-approved loan offer to plan your finances with clarity.
Benefits of DigiLocker
DigiLocker is a forward-looking initiative that makes document handling easier and more reliable. Some of its key benefits include:
- Convenient access: Store and retrieve important documents anytime and from anywhere.
- Paperless efficiency: Reduces the need for physical copies and manual paperwork.
- Secure storage: Provides a highly secure digital platform to protect personal information.
- Government integration: Enables access to government-issued documents such as Aadhaar, PAN, and driving licences.
- Instant sharing: Allows verified documents to be shared digitally with institutions, reducing delays.
- Eco-friendly approach: Supports environmental sustainability by minimising paper usage.
By combining convenience with authenticity, DigiLocker empowers users to manage essential records in a safe and organised manner.
Key features of DigiLocker
The DigiLocker app is designed to make digital document management simple and user-friendly. Some of its standout features include:
- Digital document storage: Securely store Aadhaar, PAN, educational certificates, and more online.
- Easy integration: Connects directly with government departments and institutions for quick document retrieval.
- Secure access: Uses two-factor authentication to ensure documents are accessible only to authorised users.
- e-Sign facility: Enables digital signing of documents, eliminating the need for physical signatures.
- Offline availability: Allows documents to be downloaded and accessed offline when required.
- Quick sharing: Shares documents electronically with banks, universities, or other organisations in real time.
These features make DigiLocker a practical tool for managing both personal and official documents efficiently.
How to sign up for DigiLocker?
Signing up for DigiLocker is a simple process. Follow these steps to create your account:
- Visit the website or download the app: Go to the DigiLocker website or download the DigiLocker app.
- Click on "Sign Up": On the homepage or app interface, select the "Sign Up" option.
- Enter your mobile number: Provide your mobile number and verify it with the OTP sent to your device.
- Set a username and password: Create a unique username and strong password for secure access.
- Link Aadhaar: Optionally, link your Aadhaar for seamless integration with government services.
Once registered, you can store and manage your documents digitally with ease.
How do I log in to DigiLocker?
To sign in to DigiLocker, follow these easy steps:
- Navigate to the official website at digitallocker.gov.in.
- Select ‘Sign In’ at the top of the homepage.
- Choose your preferred method to log in:
- Aadhaar number with OTP sent to the registered mobile number
- Username and password created during registration
DigiLocker login is quick and easy, offering multiple methods to access your account based on what's most convenient for you.
Additional read - How to create DigiLocker account
Sign in to DigiLocker using a mobile number
If you prefer using your mobile number, follow these steps:
- Go to the official DigiLocker website or download the DigiLocker app available for Android or iOS devices.
- Input your registered mobile number.
- Confirm your mobile number by entering the OTP (one-time password) that you receive via SMS.
- After successful validation, you will be logged into your DigiLocker account.
Additional read - How to upload documents in DigiLocker
Sign-in to DigiLocker using Aadhaar or username
You can also log in using Aadhaar or a username by following these steps:
- Navigate to the official DigiLocker website at digitallocker.gov.in.
- Select 'Sign In' at the top of the homepage.
- You can login to digilocker using one of the following methods:
- Aadhaar number and OTP: Input your 12-digit Aadhaar number. An OTP will be sent to the mobile number associated with your Aadhaar. Enter this OTP on the website and click 'Verify OTP' to proceed.
- Username and password: Enter the username and password you set up when you registered your account.
- Facebook ID validation: If your DigiLocker is linked to your Facebook account, you can also log in using your Facebook credentials.
Documents you can save in DigiLocker
DigiLocker allows you to store a wide range of official and personal documents securely, including:
- Aadhaar card
- PAN (Permanent Account Number) card
- Driving licence
- Educational certificates
- Vehicle registration certificates
- Birth certificates
- Passports
In addition to storing official documents and personal certificates, DigiLocker categorises the documents you can keep within its platform into two main types:
- Issued documents: These are digital documents issued directly by government agencies in a fixed format, which cannot be modified by the user. They are official and verifiable copies of your documents.
- Uploaded documents: These are documents that you can upload yourself to your DigiLocker account. This category includes scanned copies of paper documents, personal certificates, or any other documents you want to store securely in an electronic format.
Know more about the personal loan documents required before applying for a loan with Bajaj Finance Limited and save the documents in the DigiLocker for easy access.
Conclusion
DigiLocker offers a secure and convenient way to manage essential documents, including KYC records needed for the personal loan application process. By using DigiLocker effectively, individuals can simplify document verification and reduce delays during financial processes. Embracing digital platforms like DigiLocker reflects India’s growing digital ecosystem, making access to services easier and improving overall efficiency in document management for both personal and professional needs.
Understanding document requirements in advance can also help you check offer in 2 steps and move forward with confidence.
Also check
| How to link DigiLocker to PAN Card | How to upload documents in DigiLocker | DigiLocker driving license |
| How to add Passport in DigiLocker | How to download DigiLocker App | How to Delete DigiLocker Account |
Key offerings: 3 loan types
Personal loan interest rate and applicable charges
Type of fee | Applicable charges |
Rate of interest per annum | 10% to 30% p.a. |
Processing fees | Up to 3.93% of the loan amount (inclusive of applicable taxes). |
Flexi Facility Charge | Term Loan – Not applicable Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes) |
Bounce charges | Rs. 700 to Rs. 1,200/- per bounce “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason. |
Part-prepayment charges | Full Pre-payment:
Part Pre-payment
|
Penal charge | Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount. |
Stamp duty (as per respective state) | Payable as per state laws and deducted upfront from loan amount. |
Annual maintenance charges | Term Loan: Not applicable Flexi Term (Dropline) Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.
Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure |
| Credit guarantee scheme fee | Up to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount |
| Credit guarantee scheme renewal fee | Up to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year. *Renewal Fee to be collected only for 3 subsequent financial years. **If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated. |
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Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000
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