DigiLocker Document Verification: How It Works for Businesses

What is DigiLocker?#

DigiLocker is a secure digital platform that allows users to access and share documents issued by participating organizations.

Users can access eligible identity, driving, educational, employment, and other government-issued records, depending on the issuer and available services.

For businesses, DigiLocker provides a way to retrieve eligible documents and associated information directly through an authorized digital flow, instead of relying entirely on customer-uploaded copies.

What Makes Document Verification Difficult for Businesses?#

When businesses rely on uploaded documents, verification can involve several additional steps:

• OCR and data extraction to capture document information
• Quality checks for unclear or incomplete documents
• Tampering checks for potentially altered documents
• Data matching against information provided by the customer
• Manual review when automated verification is inconclusive

These steps can increase processing time and manual effort, especially when businesses handle large volumes of customers.

How Does DigiLocker Simplify Document Verification?#

DigiLocker provides an alternative for eligible records by allowing businesses to retrieve information through a user-authorized digital flow.

Businesses can request the required information through DigiLocker. The customer authenticates, reviews the request, and authorizes access.

The information can then be retrieved digitally and used within the business's KYC, onboarding, or verification process. Depending on the integration, it can be received as a digital document or structured JSON data.

This can help businesses:

• Save onboarding time by reducing document-collection steps
• Reduce manual effort involved in processing uploaded documents
• Simplify the customer experience with a smoother digital journey
• Use retrieved information directly in existing workflows

Consent and Transparency

The DigiLocker flow is built around user consent. Before access is granted, users can review the request and decide whether to authorize document sharing.

The request shows why the information is needed and who is requesting it, so users can understand the request before they choose to share.

How Does DigiLocker Document Verification Work?#

1. Initiate the request: The business starts a DigiLocker document request through an integrated API.

2. Redirect the user: The user is redirected to the DigiLocker authorization journey.

3. Authenticate: The user logs in and completes the required authentication, including OTP verification where applicable.

4. Select and authorize: The user reviews the request, selects the required document, and authorizes access.

5. Retrieve the document: Once authorized, the eligible document and associated information can be retrieved through the API and used in the verification workflow.

What Can Be Retrieved Through DigiLocker?#

The availability depends on the issuer, document type, user's account, and applicable integration.

Common examples include:

• Identity: PAN and Aadhaar-related information
• Driving & vehicle: Driving Licence and Registration Certificate
• Education: Marksheets and certificates
• Employment: UAN and other eligible records
• Government records: Other documents issued by participating departments

Where Can DigiLocker Be Used?#

DigiLocker can support KYC, customer onboarding, lending, banking, insurance, education, and employment workflows.

It is useful wherever businesses need to retrieve and verify eligible digital documents or information.

Integrating DigiLocker Into Your Application#

With FastKYC, businesses can integrate DigiLocker through an API, making it easy to add document retrieval to their KYC and onboarding processes.

This provides a smoother customer experience, faster onboarding, and seamless access to retrieved information.