Is DigiLocker Safe? Legal Status and Safety Tips

Is DigiLocker Safe? Legal Status and Safety Tips

Yes, DigiLocker is a safe, government-run way to store and share documents, and documents issued in it are legally on par with originals. Your own sign-in habits decide how safe your account stays.
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Key Takeways

 
 

In summary

DigiLocker is the Government of India's digital document wallet, and documents issued into it carry the same legal standing as physical originals. That makes it useful when a lender, such as Bajaj Finance for its Personal Loan, asks for Know Your Customer (KYC) documents.


  • Rule 9A of the IT (Digital Locker) Rules, 2016, notified on 8th February, 2017, gives issued documents legal standing.
  • DigiLocker has 190.99 million registered users, according to Digital India Corporation.
  • Sign-in uses your mobile number, a one-time password (OTP) and a security PIN.
  • Rs. 1.75 lakh at 16% per annum costs Rs. 6,152 a month over 36 months (3 years).

Ready to apply with your documents in hand? Check your loan offer with your phone number and a one-time password (OTP) → apply online in about 5 minutes → receive funds within 24 hours* of approval.

What is DigiLocker?

DigiLocker is a government platform where you store digital copies of documents and receive documents issued directly by government departments, such as a driving licence or marksheet. It links to your Aadhaar and mobile number, and you can share documents with organisations that accept them.


According to Digital India Corporation, DigiLocker has 190.99 million registered users. The figure shows how widely the platform is used, not how safe any one account is.

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Is DigiLocker safe to use?

DigiLocker is safe to use because issued documents come straight from the issuing department and carry legal standing, and sign-in needs your mobile number, an OTP and a PIN. The table sets out the features that matter.


FeatureWhat it means for you
Legal standingIssued documents are deemed at par with original physical documents under Rule 9A
Who issues documentsGovernment departments push issued documents directly to your account
Sign-inMobile number and OTP, plus a security PIN you set
SharingYou choose which document to share and with whom

Last updated: 19th October, 2026


Rule 9A of the Information Technology (Preservation and Retention of Information by Intermediaries providing Digital Locker facilities) Rules, 2016, deems issued documents at par with originals. The rule was notified on 8th February, 2017.

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How do you keep your DigiLocker account safe?

You keep your DigiLocker account safe by protecting the OTP, PIN and mobile number that guard it. These 4 habits matter most.


HabitWhy it matters
Use only the official app or websiteAvoids look-alike apps that collect your data
Never share your OTP or PINNo genuine official or lender asks for them
Keep your Aadhaar-linked mobile number activeSign-in and recovery depend on it
Sign out on shared devicesStops the next user opening your account

Last updated: 19th October, 2026


No platform can protect an account whose OTP has been shared. Treat the PIN like a bank PIN.

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How does DigiLocker help with a personal loan?

DigiLocker helps with a personal loan because you can share KYC documents, such as your Aadhaar or Permanent Account Number (PAN) card, without scanning paper copies. The lender still verifies you, but matching digital documents cut down on errors.


Worked example: Pranav in Dehradun

Pranav is 27 and works as a salaried software engineer in Dehradun. He earns Rs. 58,000 a month and has a CIBIL score of 745. He keeps his PAN and Aadhaar in DigiLocker, so his KYC details match exactly. He borrows Rs. 1.75 lakh to buy furniture for a new flat, at an illustrative 16% per annum, and checks the equated monthly instalment (EMI) for 2 tenures.


EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. P is the loan amount in rupees, R is the annual rate divided by 12 and by 100, and N is the tenure in months. The formula spreads the principal and interest into equal monthly payments, so early EMIs carry more interest and later ones more principal. All figures are rounded to the nearest rupee.


TenureMonthly EMI (Rs.)Total interest (Rs.)EMI as share of salary (%)
24 months (2 years)8,56930,64514.8
36 months (3 years)6,15246,48910.6

Last updated: 19th October, 2026


The 36-month option lowers the EMI by Rs. 2,417 but adds Rs. 15,844 in interest. The processing fee on Rs. 1.75 lakh is up to Rs. 7,228. Pranav picks 24 months (2 years), because the EMI is under 15% of his salary and his DigiLocker documents are ready.


What can delay approval: a CIBIL score below 650 or existing EMIs that take up a large share of your income. Names or addresses that do not match across documents, and more than one loan application in the same month, can also slow it down.


Documents ready in DigiLocker? With a Bajaj Finance Personal Loan, you can borrow Rs. 40,000 to Rs. 75 lakh, subject to eligibility. Check your loan offer with your phone number and a one-time password (OTP) → apply online in about 5 minutes → receive funds within 24 hours* of approval.

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What are the eligibility criteria and documents required?

You can share these documents from DigiLocker where accepted. To be eligible for a Bajaj Finance Personal Loan, you need to meet the criteria listed below:


CriterionRequirement
NationalityIndian
Age21 years to 80 years.
Employed withPublic, private, or multinational companies (MNCs).
CIBIL Score650 or higher.
Customer profileSelf-employed or Salaried

*You should be 80 years or younger, at the end of the loan tenure.

Last updated: 19th October, 2026


Meeting these criteria does not guarantee approval, which depends on eligibility, verification and credit assessment. No collateral or guarantor is required.


You may need the following documents, subject to your profile and application:


Document categoryAccepted options
KYC proofAadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
Identity proofPAN card, Real-time image / photograph
Employment proofEmployee ID card, Letter of Allotment of Accommodation Issued by Employer
Income proofSalary slips — last 3 months, Bank account statements — last 3 months
OthersPension order, Utility bill, Phone bill, Piped gas bill, Property / Municipal tax receipt

Not every applicant needs every document. Confirm the final list of required personal loan documents during your application.

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What interest rate and charges apply?

Bajaj Finance interest rates and charges on a Personal Loan, whether or not you use DigiLocker for KYC, subject to applicable terms and customer eligibility, are listed below:


ChargeAmount
Interest rate10% to 30.5% per annum, subject to applicable terms and customer eligibility
Processing feeUp to to 4.13% of the loan amount, inclusive of applicable taxes
Bounce chargesRs. 700 to Rs. 1,200 per bounce
Penal chargeUp to 36% per annum on the overdue instalment
Part-prepayment and foreclosure (Term Loan)Up to 4.72% of the principal, inclusive of applicable taxes
Part-prepayment (Flexi Dropline and Flexi Hybrid Loans)No charge
Flexi facility chargeRs. 1,999 to Rs. 18,999, inclusive of applicable taxes
Annual maintenance (Flexi Dropline Loan)Up to 0.295% of the Dropline limit
Annual maintenance (Flexi Hybrid Loan)Up to 0.472% in the initial tenure; up to 0.295% in the subsequent tenure

Last updated: 19th October, 2026


Charges are disclosed in the applicable product information and loan documents, so read your Key Fact Statement before you accept. Add the processing fee to the interest when you compare offers, and see the personal loan interest rates and charges page for details.

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When should you not rely on DigiLocker alone?

Do not rely on DigiLocker alone if the organisation you deal with does not accept it, or if a document you need is not issued there. The table compares the options.


SituationWhat to doTrade-off
Organisation accepts DigiLockerShare the issued documentNone
Document not issued in DigiLockerUpload a scan or carry the originalNot covered by Rule 9A
Lost access to the linked mobile numberUpdate it before you applyTakes time

Last updated: 19th October, 2026


Keep your Aadhaar-linked mobile number current, since both DigiLocker and loan KYC rely on it. Check that your name matches across documents before you apply.

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How do you apply?

You apply for a Bajaj Finance Personal Loan online in five steps:

  1. Check loan eligibility: Enter the required loan amount and repayment period, then click "CHECK LOAN OFFER".
  2. Enter personal details: Enter personal, financial and employment details to receive a personalised offer.
  3. Loan offer: Review the offer details and adjust the amount or tenure to suit the applicant's needs.
  4. KYC verification: Complete KYC and verify bank details.
  5. Talk to loan specialist: The application is submitted and an executive contacts the applicant about the next steps.

The process may differ for new and existing customers, and some customers may need to provide additional documents. Keep your documents open during the KYC verification step.

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Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% 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)

Will be deducted upfront from loan amount.

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:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

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.


Flexi Hybrid Term Loan:

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 feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp 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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Frequently asked questions

Safety

Using it for a loan

Is DigiLocker legally valid?

Yes. Under Rule 9A of the IT (Digital Locker) Rules, 2016, notified on 8th February, 2017, documents issued into DigiLocker are deemed at par with original physical documents. This applies to issued documents, not to scans you upload yourself, so check which type you are sharing. If an organisation does not accept the issued copy, carry the original as well.

Only if they get your OTP or PIN, or your linked mobile number. Never share either, sign out on shared devices and keep your Aadhaar-linked mobile number active. Review the devices signed in to your account from time to time. If you suspect misuse, change your PIN at once and contact support through the official website.

You can share KYC documents, such as Aadhaar and PAN, where the lender accepts them. Bajaj Finance lists the documents that may be required during your application, and you confirm the final list then. Matching names and addresses across documents speed up verification. Where a document is not accepted, upload a clear scan as the application asks.

No. DigiLocker lets you share documents without paper copies, but approval depends on eligibility, verification and credit assessment. Funds may reach your account within 24 hours*, subject to approval, verification and applicable terms. Keep your details consistent across documents to avoid delays, and reply promptly to any verification request from the lender.

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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