V-CIP is simple, safe and secure
Want to get a credit card or take out a loan? Now you don't need to go to the branch to verify your identity.
All you need is a mobile device and V-CIP will let you do it from anywhere in India. And soon V-CIP will make your life even easier: you'll be able to use it any time we need to verify your identity.
Here's how it works:
- You can complete your V-CIP from wherever you are in India
- You only need your permanent account number (PAN) card and your Aadhaar offline Electronic Know Your Customer (eKYC) file downloaded within the last 3 days
- You'll need decent lighting and a good internet connection
How can I apply for V-CIP?
Step 1
You'll receive an email and an SMS with a link to perform V-CIP for your application. You'll need your PAN card and Aadhaar number handy for the V-CIP process.
Step 2
Click on the link and accept our terms and conditions to start the V-CIP. Please make sure you are present in India at the time.
Step 3
Confirm your identity by uploading your most recent Aadhaar offline eKYC file (XML format).
This should not be more than 3 days old. In case you do not have one handy, you can download a new one from the official government site. Here's how:
- Visit https://resident.uidai.gov.in/offline-kyc
- Type in your Aadhaar number and create a 4-digit share code
- Enter the one-time password (OTP) received on your registered mobile number and click on download
Verify your Aadhaar details and enter your PAN number.
Step 4
Follow the onscreen instructions and we'll run a test to make sure your internet, your camera and mic are all working properly. You'll need to have your device's location on, and disconnect from any VPN while doing the V-CIP.
Step 5
We'll connect you to our next available representative. If that's not convenient for you, you can also schedule your appointment for a later time – whatever works for you.
Step 6
- You'll be connected to a video call with our representative. During the video call, we'll ask you a few questions to verify your identity.
- We'll also take a live photo of you, as well as one of your PAN card. (Our representative will explain how to place your PAN card in front of the camera).
- After everything is processed, we'll send a message to your registered email address letting you know if your application was successful.
- In case there was an issue where we could not verify your V-CIP application successfully, we'll let you know so you can initiate the V-CIP again.
Please note our representatives will be available from 09:00 to 20:00 Monday to Saturday except bank holidays.