I came across a common question recently, are digilocker documents valid in banks? The DigiLocker e-documents are officially valid for KYC purposes in banks, as recognised by the Reserve Bank of India. Documents stored in DigiLocker, such as Aadhaar and PAN Cards, are treated as if they were physical.
Is DiglLocker a Valid Document in a Bank?
Yes. In January 2020, the RBI amended its Master Direction on KYC to include “equivalent e-documents” that is, digital versions of officially valid documents issued by authorised agencies and stored in DigiLocker as acceptable for identification and address verification.
This means documents such as passports, driving licences, Aadhaar, PAN, and others accessible via DigiLocker (and bearing valid digital signatures) are treated on par with their physical counterparts.
Further reinforcing this shift, the RBI’s FAQs clarify that banks may accept these e-documents as valid KYC proof, streamlining both in-person and non-face-to-face account opening or updates.
Digital methods like DigiLocker have become integral to modern KYC procedures, especially in remote or paperless onboarding scenarios. It enhances convenience and reduces reliance on physical documentation.
I hope you found this information useful.
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Are Digilocker Documents Valid in Banks?
ravi
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2025-09-07T12:55:54+00:00 2025-09-30T12:55:36+00:00Comment
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