What is eKYC? How online identity verification works in India

Before money moves or a contract is signed, someone has to confirm who’s on the other side. eKYC is how that happens online — in seconds, not days.

What is eKYC?

eKYC (electronic Know Your Customer) is the online verification of a person’s or entity’s identity against trusted, government-backed sources. It replaces the slow, paper-based KYC of photocopies and in-person checks.

What it checks against

In India, eKYC commonly uses Aadhaar (with consent), PAN, DigiLocker, Voter-ID, Driving Licence, Passport, bank-account verification and GST/entity checks — depending on whether you’re verifying an individual or a business.

Consent and data safety

Responsible eKYC captures the person’s consent and logs every verification. On IOUX, Aadhaar is used only for authentication via UIDAI — the Aadhaar number is not stored, and biometric details are never retained.

Good eKYC is fast for the user and auditable for the business — consent captured, identity confirmed, nothing over-collected.

Where it’s used

eKYC underpins onboarding everywhere — verifying tenants, borrowers, workers, vendors and counterparties before a contract is signed. On IOUX, it’s built into the execution flow, so every party is verified before they sign.

This article is general information about Indian law and practice, not legal advice. Rules vary by state and change over time — confirm the current position for your situation before relying on it.