Supported PoA Documents Containing Name and Address

Supported PoA Documents Containing Name and Address

1. Passport
2. Bank Statement/ Passbook
3. Post Office Account Statement/Passbook
4. Ration Card
5. Voter ID
6. Driving License
7. Government Photo ID cards/ service photo
identity card issued by PSU
8. Electricity Bill (not older than 3 months)
9. Water bill (not older than 3 months)
10. Telephone Landline Bill (not older than 3 months)
11. Property Tax Receipt (not older than 1 year)
12. Credit Card Statement (not older than 3 months)
13. Insurance Policy
14. Signed Letter having Photo from Bank on
letterhead
15. Signed Letter having Photo issued by registered
Company on letterhead
16. Signed Letter having Photo issued by
Recognized Educational Institutions on letterhead
17. NREGS Job Card
18. Arms License
19. Pensioner Card
20. Freedom Fighter Card
21. Kissan Passbook
22. CGHS / ECHS Card
23. Certificate of Address having photo issued by MP
or MLA or Gazetted Officer or Tehsildar on
letterhead
24. Certificate of Address issued by Village
Panchayat head or its equivalent authority (for
rural areas)
25. Income Tax Assessment Order
26. Vehicle Registration Certificate
27. Registered Sale / Lease / Rent Agreement
28. Address Card having Photo issued by
Department of Posts
29. Caste and Domicile Certificate having Photo
issued by State Govt.
30. Disability ID card/handicapped medical certificate
issued by respective State/UT
Governments/Administrations
31. Gas Connection Bill (not older than 3 months)
32. Passport of Spouse
33. Passport of Parents (in case of Minor)
34. Allotment letter of accommodation issued by
Central/State government of not more than 3
years old
35. Marriage Certificate Issued by the Government
containing address

Aadhaar card based e-kyc Sample process flow would be as follows in bank

1. Customer walks into CSP of a bank with his/her 12-digit Aadhaar number and explicit consent and requests to open a bank account with Aadhaar based e-KYC.

2. Bank representative manning the CSP enters the number into bank’s eKYC application software.

3. The customer inputs his/her biometrics via a UIDAI compliant biometric reader (e.g. fingerprints on a biometric reader).

4. The software application captures the Aadhaar number along with biometric data, encrypts this data and sends it to UIDAI’s Central Identities Data Repository (CIDR).

5. The Aadhaar KYC service authenticates customer data. If the Aadhar number does not match with the biometrics, UIDAI server responds with an error with various reason codes depending on type of error (asdefined by UIDAI).

6. If the Aadhaar number matches with the biometrics, UIDAI responds with digitally signed and encrypted demographic information [Name,year/date of birth, Gender, Address, Phone and email (if available)] and photograph. This information is captured by bank’s e-KYC application and processed as needed.

7. Bank’s servers auto populate the demographic data and photograph in relevant fields. It also records the full audit trail of e-KYC viz. source of information, digital signatures, reference number, original request generation number, machine ID for device used to generate the request, date and time stamp with full trail of message routing, UIDAI encryption date and time stamp, bank’s decryption date and time stamp,etc.

8. The photograph and demographics of the customer can be seen on the screen of computer at bank branches or on a hand held device of BCs for reference.

9. The customer can open bank account subject to satisfying other account opening requirements.

Aadhar card e-kyc acceptance of Reserve bank of india

Operational Procedure to be followed by banks for e-KYC exercise

The e-KYC service of the UIDAI is be leveraged by banks through a secured network.

Any bank willing to use the UIDAI e-KYC service is required to sign an agreement with the UIDAI. The process flow to be followed is as follows:

A. Sign KYC User Agency (KUA) agreement with UIDAI to enable the bank to

specifically access e-KYC service.

B. Banks to deploy hardware and software for deployment of e-KYC service across various delivery channels. These should be Standardisation Testing and Quality Certification (STQC) Institute, Department of Electronics & Information

Technology, Government of India certified biometric scanners at bank branches/ micro ATMs/ BC points as per UIDAI standards. 

C. Develop a software application to enable use of e-KYC across various Customer Service Points (CSP) (including bank branch, BCs etc.) as per UIDAI defined Application Programming Interface (API) protocols. For this purpose banks will have to develop their own software under the broad guidelines of UIDAI. Therefore, the software may differ from bank to bank.

D. Define a procedure for obtaining customer authorization to UIDAI for sharing eKYC data with the bank. This authorization can be in physical (by way of a written explicit consent authorising UIDAI to share his/her Aadhaar data with the bank/BC for the purpose of opening bank account) /electronic form as defined by UIDAI from time to time. 

The eKYC service offered by UIDAI will enable individuals to authorise service providers to receive electronic copy of their proof of identity and address. This is a first of its kind service, on any public platform. The service makes KYC instantaneous, totally secure and paperless while enhancing privacy of data. It brings business efficiency and opens doors to innovative service provision in a manner never experienced before on a comparable scale.

eKYC service can be deployed by different agencies to verify a resident's identity and address. Only DEMOGRAPHIC information (Name, Address, Date of Birth, Gender, Photograph & Mobile Number) that is collected during Aadhaar card enrolment will be shared, at the request of, and/or with the consent of the Aadhaar card holder.