> For the complete documentation index, see [llms.txt](https://docs.emudhradigital.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.emudhradigital.com/documentation/esign-v3-ca-ekyc-account/kyc-types-and-acceptable-documents.md). # KYC Types and Acceptable Documents An eSign v3 signer must hold an **eKYC account** with eMudhra. CCA eSign API 3.3 (Section 4.2) defines the KYC types an account can be created from, and the CCA *Identity Verification Guidelines* (IVG v2.6) define the acceptable **Proof of Identity (POI)** and **Proof of Address (POA)** documents and the verification steps. ## Summary of KYC types | KYC type | eKYC type value | Who it is for | Identity source | Video verification | | --------------------- | --------------------------- | --------------------------------------------------- | ------------------------------------------------------------------- | --------------------------------------------------- | | Aadhaar Offline XML | Aadhaar Offline XML | Indian residents with Aadhaar | UIDAI-signed offline Aadhaar XML | Yes — photo in XML matched to live video | | PAN KYC | PAN KYC | Indian residents with PAN (with or without Aadhaar) | PAN verified with Income Tax + POA document | Yes — original PAN and address proof shown on video | | Bank eKYC | Bank eKYC | Customers of banks integrated with eMudhra | Digitally signed KYC record sent by the bank | Not mandatory | | Organisational KYC | Organisational KYC Option 2 | Employees / signatories signing for an organisation | Individual KYC + organisation and authorised-signatory verification | Yes | | Foreign National KYC | Foreign National KYC | Non-residents and foreign nationals | Passport / foreign ID verified by the CA | Yes | | CA-assisted enrolment | — | Applicants unable to complete online verification | Physical verification by a CA employee | In-person | ## 1. Aadhaar Offline XML | | Requirement | | ------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **POI** | Aadhaar Offline (Paperless) XML, digitally signed by UIDAI, uploaded with its share code | | **POA** | Address in the same Aadhaar Offline XML | | **Mandatory data** | Name, mobile, address, state, country, PIN code, photo, date of birth, gender, last 4 digits of Aadhaar | | **Optional** | PAN (verified with the Income Tax verification service), email | | **Checks** | UIDAI signature validated against pre-mapped UIDAI certificates; XML date checked against IVG limits; mobile (and email, if present) verified against the hashes in the XML — otherwise email OTP; photo matched to live video | | **Note** | The mobile number from the offline XML cannot be changed | ## 2. PAN KYC | | Requirement | | ------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **POI** | PAN card — PAN number and name verified online with the Income Tax database; original PAN card shown on video; digital copy submitted | | **POA** | Any one acceptable address document (see [list below](#acceptable-poa-documents-indian-residents)), shown in original on video and submitted as a digital document | | **Mandatory data** | Name, mobile, address, state, country, PIN code, photo, date of birth, gender, PAN | | **Optional** | Last 4 digits of Aadhaar (must match the Aadhaar shown on video), email | | **Checks** | Name must **exactly match** the PAN database (not auto-filled); PAN status active; PAN card photo matched to applicant photo and video; mobile verified by SMS OTP (telecom or bank penny-drop per IVG); email by a separate OTP | ## 3. Bank eKYC | | Requirement | | ------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **POI / POA** | KYC record held by the bank (already KYC-verified under RBI norms), sent directly to eMudhra as a digitally signed `BankKYC` XML after the user authenticates as the bank's customer | | **Mandatory data** | Name, mobile, address, state, country, PIN code, photo, date of birth, gender, PAN, last 4 digits of Aadhaar, bank account number (IFSC optional) | | **Checks** | Bank's digital signature validated against eMudhra's list of registered bank certificates; KYC must be received from the bank within the **last 24 hours** before issuance; PAN mandatory (verified with Income Tax if user-entered); mobile verified by OTP; email optional (OTP-verified if entered) | | **Video** | Not mandatory | ## 4. Organisational KYC Used when the signer signs **on behalf of an organisation**. The organisation need not be an ASP. **Individual (organisational person)** | | Requirement | | ------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------ | | **POI** | PAN (verified with Income Tax) **or** Aadhaar (number and photo matched to the Aadhaar shown on video); optional organisational ID card shown on video | | **POA** | Address document shown on video and submitted as a digital document | | **Mandatory data** | Name (as certified by the authorised signatory), mobile, address, state, country, PIN code, photo, date of birth, gender, PAN or Aadhaar | | **Checks** | Video verification; mobile SMS OTP; email OTP (optional); DOB and gender self-declared | **Organisation and authorised signatory** | | Requirement | | ----------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Proof of organisation existence** | GST registration verification, **or** bank statement (not older than 3 months) plus incorporation document and organisation PAN | | **Authorisation** | Authorisation letter from the organisation signed by the authorised signatory; board resolution or power of attorney where the signatory is not a director (per IVG Annexure I, by entity type) | | **Authorised signatory** | Must already hold an eKYC account; name verified against originals on video; secondary verification as per IVG | | **Government organisations** | Eligibility of the organisation and signatory per IVG Annexure V | | **Self-authorisation** | Single-director companies and sole proprietorships may self-authorise after MCA verification | | **Output** | eMudhra assigns ORGID / ORGSIGID and logs the approving CA officer | ## 5. Foreign National KYC | | Requirement | | ------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **POI** | Passport, OCI passport/card, local government-issued identity document, or PAN | | **POA** | Passport, OCI passport, local government-issued ID with address, bank details with address, utility bill in the applicant's name issued within the last 3 months, or an embassy-issued document showing residential address | | **Mandatory data** | Name (exactly as on the identity document), mobile, address, state, country, postal code, photo, date of birth, gender, email, scanned POI and POA; organisation name for organisational persons | | **Checks** | Identity and address verified directly by eMudhra CA; video verification; mobile SMS OTP; optional PAN verified online and against the PAN shown on video; for organisational persons, proof of organisation existence and organisational identity (government listing or website references) | ## 6. CA-assisted enrolment For applicants who do not have Aadhaar, cannot complete online validation, or need physical verification. The applicant is enrolled in the presence of an eMudhra employee, who verifies original POI and POA documents from the lists below. ## Acceptable POI documents (Indian residents) Per IVG Annexure IV: * Aadhaar (eKYC service) * Passport * Driving Licence * PAN Card * Post Office ID card * Bank account passbook / statement with photograph, signed and attested by a bank official * Photo ID card issued by the Ministry of Home Affairs (Centre / State) * Any Government-issued photo ID having name and address ## Acceptable POA documents (Indian residents) Per IVG Annexure IV: * Aadhaar (eKYC service) * Telephone, electricity, water or gas bill (not older than 3 months) * Bank statement signed by the bank * Service Tax / VAT / Sales Tax registration certificate * Driving Licence or vehicle Registration Certificate (RC) * Voter ID card * Passport * Property tax / Corporation / Municipal Corporation receipt * Any Government-issued photo ID having name and address {% hint style="info" %} A single document can serve as both POI and POA when it carries both. A separate POA is required if the current address differs. Digitally signed photo IDs from the issuer can be accepted electronically. {% endhint %} ## Validity and re-verification | Rule | Value | | ---------------------------- | ---------------------------------------------------------------------------------------- | | eKYC account validity | Up to 2 years; renewal requires fresh verification | | Video verification freshness | Within 2 days before each certificate issuance | | Bank KYC freshness | Received within 24 hours before each issuance | | Login | PIN (first factor) + SMS-OTP (second factor; other factors allowed with OTP as fallback) | | Account ID | `id@id-type.esp-id`; user ID cannot be changed after creation | | PIN reset | Mobile OTP + email; if no email, mobile OTP + video verification | | Email | Optional for eSign-only accounts; mandatory for DSC issuance | {% hint style="warning" %} **Review before publishing:** confirm which KYC routes (e.g., Bank eKYC partner banks, CA-assisted enrolment) are currently live on eMudhra's eSign v3 platform. {% endhint %}