How to Create Digilocker Account: Step-by-Step Guide

Discover how to create your own DigiLocker account hassle-free with our step-by-step guide. Unlock the power of secure digital document storage and management today.
Personal Loan
3 min

In an era where digital solutions are revolutionizing every aspect of our lives, managing personal documents can still be a hassle, especially when you're applying for a personal loan. Enter Digilocker, a platform that promises to transform this landscape by providing a secure and accessible digital locker for all your important documents.

Digilocker streamlines the personal loan application process by providing secure, instant access to important KYC documents, such as the Aadhaar card, which are essential for meeting lenders' eligibility criteria. It allows applicants to share verified digital copies of documents with financial institutions directly, thereby speeding up the verification process and reducing paperwork. Moreover, Digilocker's government-backed platform ensures that the documents are authentic, which builds trust with lenders and facilitates a smoother loan approval process.

This article will guide you through creating a Digilocker account, a step crucial for anyone looking to streamline their loan application process through efficient access to their KYC (Know Your Customer) documents. 

What is DigiLocker?

DigiLocker is a digital platform provided by the Indian Ministry of Electronics and Information Technology (MeitY) under the Digital India initiative. The objective is to provide every citizen with a secure digital repository where they can access their essential documents anytime and anywhere. These documents encompass educational certificates, identity proofs, health records, and more.

Documents stored in DigiLocker are considered equivalent to their original physical counterparts, thereby reducing reliance on physical copies and enabling the seamless sharing of electronic documents. Documents issued through DigiLocker hold legal validity under the Indian Information Technology Act of 2000.

Upon registration on the platform, users can upload all necessary documents in DigiLocker and ensure their safety through personalised cloud storage linked to their Aadhaar card. This initiative aligns with the Indian government's vision of the Digital India project, promoting efficient digital document management and enhancing accessibility to essential services for all citizens.

Steps to create a DigiLocker account

Follow these steps to create a DigiLocker account:

  1. Visit the official website: Go to the Digilocker website or download the DigiLocker app.
  2. Sign up: Click on the 'Sign Up' button and enter your mobile number.
  3. OTP verification: You will receive an OTP on your mobile phone; enter this for verification.
  4. Set username and password: Choose a username and password for your account.
  5. Link Aadhaar: For full access to services, link your Aadhaar number by entering it and verifying it with an OTP sent to the mobile number registered with your Aadhaar.
  6. Completion: Once linked, you can access your issued documents and upload additional documents.

If you do not have an Aadhaar card and wish to use DigiLocker, select the option “Don’t have Aadhaar? Continue Here” during the signup process. This option allows you to create a DigiLocker account even without your Aadhaar card.

Additional read - How to use Digilocker account

Advantages and disadvantages of DigiLocker


  • Security: Offers a highly secure environment for storing personal documents.
  • Convenience: Easy access to documents anytime, anywhere, streamlining the loan application process.
  • Eco-Friendly: Reduces the need for physical documents, contributing to environmental conservation.
  • Government Verified: Direct access to government-issued documents, which can be shared digitally with verifying agencies without fear of forgery.


  • Internet Dependence: Requires an internet connection for access.
  • Awareness: Not all institutions may be aware of or accept Digilocker documents, although this is rapidly changing.

How to upload documents to your DigiLocker Account

Uploading documents to your Digilocker account is a breeze:

  1. Login to your account: Use your username and password to access your Digilocker account.
  2. Upload document: Navigate to the 'Uploaded Documents' section and click on 'Upload'.
  3. Select files: Choose the document files from your computer or mobile device. Ensure they are in a supported format (PDF, JPG, PNG, etc.).
  4. Name and save: Assign a document type and name, then save the document to your account.


In summary, Digilocker stands out as an essential digital tool for anyone applying for personal loans. By enabling easy access to KYC documents and facilitating a streamlined loan application process, it not only saves time but also enhances the security of personal information. As we move towards more digital governance, utilizing platforms like Digilocker for document management is not just convenient but necessary for an efficient and eco-friendly lifestyle. 

Know more about our eligibility criteria and the documents required, upload the required documents in the DigiLocker and apply for our personal loan effortlessly.


While care is taken to update the information, products, and services included in or available on our website and related platforms/ websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/ service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/ service document and applicable terms and conditions. In case any inconsistencies are observed, please click on reach us.

*Terms and conditions apply

Frequently asked questions

Can I create a new DigiLocker account?
Yes, easily create a new DigiLocker account today to manage your documents digitally and securely. Experience the convenience of accessing your important files anytime, anywhere.
How do I link my Aadhaar card to DigiLocker?
Linking your Aadhaar card to DigiLocker is simple. Follow our step-by-step guide to seamlessly connect your Aadhaar and unlock the benefits of secure digital document management.
Is it necessary to link Aadhaar with DigiLocker?
Linking your Aadhaar with DigiLocker isn't mandatory but offers added convenience in accessing and storing official documents digitally. Explore the benefits today for streamlined document management.
Is the Aadhaar number field required for DigiLocker?
The Aadhaar number field is optional in DigiLocker. While it offers added benefits, you can still use DigiLocker without providing your Aadhaar number.
Show More Show Less