How to Do KYC in DigiLocker: Steps, Importance, and Benefits

Know how to do KYC on DigiLocker for secure identity verification. Completing DigiLocker KYC makes document access and government services simple and hassle-free.
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Personal Loan
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3 min
05 Aug 2025

In today’s digital age, managing KYC (Know Your Customer) documents has become easier and more secure. Whether applying for financial services like personal loans or other verifications, Aadhaar and other KYC documents are essential for confirming identity and address. With the government’s DigiLocker platform, you can safely store, share, and access these documents online.

The DigiLocker KYC process simplifies verification by allowing individuals to complete KYC through DigiLocker in just a few steps. You can also make a DigiLocker KYC update whenever required, ensuring your details remain current. This digital approach not only speeds up applications but also enhances the safety and convenience of financial transactions.

 

What is DigiLocker KYC?

The DigiLocker KYC process helps authenticate and verify your identity using digital documents stored in your DigiLocker account. It involves linking essential identity proofs like Aadhaar, PAN, driving licence, or voter ID. Once verified, your electronic identity can be used for multiple online services and financial transactions. This digital system ensures convenience, reduces dependency on physical documents, and provides a secure way to store and share verified records across government and private platforms.

Additional Read: What is DigiLocker?

Steps to do KYC in DigiLocker

Completing KYC on DigiLocker involves integrating your Aadhaar card or other identity documents into your DigiLocker account. Here are the steps to follow for KYC in DigiLocker:

  1. Install the DigiLocker app: First, download the DigiLocker app from the Google Play Store or Apple App Store. Register or Digilocker login by entering your mobile number and the OTP you receive.
  2. Link your Aadhaar:
    • Go to the 'Profile' section within the app.
    • Tap on 'Aadhaar' and select 'Fetch Details' to sync your Aadhaar with DigiLocker.
    • Confirm your Aadhaar details with the OTP sent to your registered mobile number.
  3. Enable biometric authentication (Optional): For enhanced security, consider setting up biometric authentication (like fingerprint or facial recognition) to securely access your DigiLocker account.

How to Update the KYC Details on Digilocker?

To update your document in the app, follow these steps:

  1. Open the app and go to the 'Profile' section.
  2. Select the document you wish to update (e.g., Aadhaar).
  3. Click on 'Update' and follow the instructions to upload the new document.
  4. Complete the process by validating the changes with an OTP sent to your registered mobile number.

Updating KYC details in DigiLocker

To update your KYC details in DigiLocker, simply:

  1. Open the app and head to the 'Profile' section.
  2. Select the document you wish to update (e.g., Aadhaar).
  3. Click 'Update' and follow the prompts to upload the new document.
  4. Validate the changes with an OTP sent to your registered mobile number.

Importance of KYC in DigiLocker

Completing your KYC in DigiLocker is crucial for several reasons:

  1. Digital identity verification: It provides a verified digital identity, streamlining access to various governmental and private services online.
  2. Paperless transactions: By storing your documents digitally, DigiLocker reduces the need for physical copies.
  3. Accessibility: Having your documents in DigiLocker makes them accessible from anywhere, anytime, which is especially useful for procedures like personal loan applications.

Advantages of KYC in DigiLocker

The benefits of completing KYC in DigiLocker include:

  1. Centralised document storage: DigiLocker acts as a single, secure platform for all your important documents.
  2. Ease of verification: Documents stored are readily verifiable by authorized entities, which streamlines any process requiring identity verification.
  3. Enhanced security: DigiLocker uses strong security protocols to protect your data from unauthorized access and tampering. 

How KYC Documents such as an Aadhaar Card are useful while applying for a personal loan

KYC documents like the Aadhaar card serve as crucial personal loan documents requirements when applying for a personal loan. Lenders use these documents to verify your identity, address, and financial stability. By having your KYC documents updated and accessible in DigiLocker, you can streamline the personal loan application process and expedite approval.

If you're looking to meet urgent financial needs, applying for a personal loan can be a great option. With minimal documentation and fast approval, it allows you to access funds quickly. Ensure you check the eligibility criteria and repayment terms before proceeding.

Conclusion

Completing KYC DigiLocker ensures a secure and hassle-free way to verify your identity while accessing essential services online. Whether it’s banking, insurance, or applying for a personal loan, this digital method simplifies the process. Knowing how to do KYC through DigiLocker allows you to link and update your identity documents seamlessly, reducing paperwork and enhancing data security. By adopting this digital solution, you can streamline documentation, save time, and enjoy smoother financial transactions.

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

How much time does it take to complete generating DigiLocker KYC?
Generating DigiLocker KYC typically takes a few minutes to complete. Once you have uploaded your documents and submitted the required information, the system verifies the details, and if everything is in order, your KYC is generated.
How to make KYC in DigiLocker?

You can complete KYC in DigiLocker by logging in, linking Aadhaar and other documents, and verifying them digitally for secure access to services.

What happens if you forget your DigiLocker password and cannot access the KYC feature?
If you forget your DigiLocker password and cannot access the KYC feature, you can reset your password using the "Forgot Password" option on the DigiLocker website or app. After verifying your identity, you can set a new password and regain access to your account.
Do you have to pay any fees for signing up for DigiLocker KYC?
There are no fees for signing up for DigiLocker KYC. DigiLocker is a free service provided by the Government of India to store and access your documents digitally.
Can you open more DigiLocker accounts with the same mobile number?
No, you cannot open more than one DigiLocker account with the same mobile number. Each mobile number can be linked to only one DigiLocker account to maintain security and prevent misuse.
Can you change your registered mobile number on DigiLocker?
Yes, you can change your registered mobile number on DigiLocker. To do this, log in to your DigiLocker account, go to the profile section, and select the option to change your mobile number. Follow the prompts to verify your new mobile number and update it in your account.
How do I verify my Aadhaar in DigiLocker?

To verify Aadhaar in DigiLocker, enter your Aadhaar number, authenticate via OTP sent to your registered mobile, and your Aadhaar will be digitally verified instantly.

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