Aadhaar e-KYC (आधार ई-केवाईसी)
Aadhaar e-KYC verifies your identity electronically through UIDAI using an OTP sent to your Aadhaar-linked mobile, or your biometrics, letting lenders complete KYC in minutes without paper. OTP-only e-KYC carries regulatory limits — including a yearly cap of ₹60,000 aggregate on loans sanctioned this way — until full KYC is completed.
Worked example
You enter your Aadhaar number, receive an OTP on the linked mobile, and KYC completes in under a minute for a ₹20,000 loan. If your mobile is not linked to Aadhaar, expect video KYC or in-person verification instead.