Aadhaar-Based Digital KYC Through NPCI’s eKYC Setu 

eKYC Setu is NPCI’s Aadhaar-based digital KYC framework designed for regulated financial institutions. It enables secure customer authentication using Aadhaar OTP or Face Authentication, ensuring faster onboarding, reduced operational cost, and full compliance with UIDAI, NPCI, and regulator guidelines.
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Key Features

  • Aadhaar OTP Authentication via eKYC Setu

    Real-time Aadhaar authentication using OTP through NPCI’s eKYC Setu gateway.

  • UIDAI Face Authentication (SDK) via eKYC Setu

    High-assurance verification using UIDAI Registered Devices integrated via eKYC Setu SDK.

  • Consent Capture Managed by eKYC Setu

    NPCI-hosted consent screen ensures regulatory compliance and audit safety.

  • Real-Time UIDAI Data Fetch through eKYC Setu

    Fetch Name, Gender, DOB, Address, and Photo securely.

  • Integration Flexibility with eKYC Setu API & SDK

    Choose between Web Redirect Flow or Android SDK integration.

  • End-to-End Compliance Built into eKYC Setu

    Aligned with UIDAI, NPCI, RBI, SEBI, IRDAI & PFRDA standards.

How eKYC Setu Works

  • Aadhaar Entry & Consent via eKYC Setu

    Customer enters Aadhaar/VID and provides consent within the eKYC Setu framework.

  • Authentication via eKYC Setu

    OTP sent to Aadhaar-registered mobile through eKYC Setu, OR Face Authentication using UIDAI RD device via eKYC Setu SDK

  • UIDAI Validation Returned via eKYC Setu

    NPCI’s eKYC Setu retrieves and returns demographic details securely.

  • Onboarding Completed Using eKYC Setu Verification

    Identity is confirmed and KYC-compliant onboarding is completed instantly.

REGUREGULATOR-WISE FOR eKYC SETU

Usecases 

RBI-Regulated Entities
Banks, NBFCs, Microfinance, Wallets, Cooperative Banks, Lending Apps
  • Digital Account Opening
  • Loan Onboarding (PL/BL/MFI/Gold/CD)
  • Wallet Full-KYC
  • BNPL Customer Verification
  • Credit Card Issuance
  • Assisted Rural KYC via eKYC Setu
  • Re-KYC / Periodic KYC Refresh
SEBI-Regulated Entities
Stockbrokers, Mutual Funds, RTAs, Investment Platforms
  • Mutual Fund Investor KYC
  • Demat & Trading Account Opening
  • SIP/STP Activation
  • PMS / AIF Investor KYC
  • Credit Card Issuance
  • KYC Modification Requests
IRDAI-Regulated Entities
Insurance Companies, Aggregators, Agents, Brokers
  • Policyholder Onboarding (Life/Health/Motor)
  • KYC for Renewals & Endorsements
  • Claims Verification
  • Group/Corporate Policy KYC
  • Assisted Agent-Led KYC
PFRDA-Regulated Entities
NPS POPs, CRAs, Pension Funds
  • NPS Subscriber Onboarding
  • Corporate NPS KYC
  • KYC Updates
  • Pensioner Re-KYC

Why Choose Viyona Fintech for eKYC Setu?

  • NPCI-Certified TSP for eKYC Setu

    We handle the full onboarding, development, audit alignment, certification, and production rollout for your eKYC Setu integration.

  • Fastest Go-Live for eKYC Setu

    Our SDK & API frameworks ensure integration in days, not months.

  • Secure, Compliant, Audit-Ready

    All eKYC Setu transactions include secure logs, timestamping, consent records, encryption, and monitoring.

  • Built for Regulated Entities

    Designed specifically for RBI, SEBI, IRDAI, and PFRDA requirements.

  • Scalable Infrastructure

    Handles high-volume Aadhaar authentication with low latency.

  • Dedicated SPOC & 24/7 Support

    Full lifecycle support for all eKYC Setu activities.

Start Your eKYC Setu Integration

Share your details and our onboarding team will guide you through technical integration, certification, and production deployment of your eKYC Setu setup.

    OUR EXPERT'S ANSWER

    Commonly Asked Questions 

    Who can use eKYC Setu?
    Only regulated entities under RBI, SEBI, IRDAI, and PFRDA.
    Does eKYC Setu return full Aadhaar details?
    It returns Name, Gender, DOB, Address, Photo, and a masked Aadhaar number.
    Do we need any UIDAI license to use eKYC Setu?
    No. NPCI intermediates Aadhaar authentication through eKYC Setu.
    How long does eKYC Setu integration take?
    2–4 weeks depending on readiness and certification timelines.
    Is Face Authentication mandatory in eKYC Setu?
    Not mandatory unless specified by the use case or risk model.
    Are eKYC Setu logs audit-friendly?
    Yes — eKYC Setu ensures consent logs, transaction IDs, timestamps, and error codes are fully traceable.
    Can eKYC Setu be used in Assisted Journeys?
    Yes, perfectly suited for BC agents, field staff, and rural onboarding.
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