{"id":860,"date":"2025-08-04T16:14:25","date_gmt":"2025-08-04T10:44:25","guid":{"rendered":"https:\/\/aepsseva.in\/blog\/?p=860"},"modified":"2025-08-04T16:14:25","modified_gmt":"2025-08-04T10:44:25","slug":"how-to-do-customer-kyc-in-aeps","status":"publish","type":"post","link":"https:\/\/aepsseva.in\/blog\/how-to-do-customer-kyc-in-aeps\/","title":{"rendered":"How to Do Customer KYC in AEPS: A Step-by-Step Guide"},"content":{"rendered":"<p class=\"ds-markdown-paragraph\"><strong>KYC (Know Your Customer)<\/strong> is a mandatory process for verifying a (how to do customer KYC in AEPS) customer\u2019s identity before enabling financial transactions. In the <strong>Aadhaar Enabled Payment System (<a href=\"https:\/\/www.npci.org.in\/what-we-do\/aeps\/product-overview\" target=\"_blank\" rel=\"noopener\">AEPS<\/a>)<\/strong>, KYC ensures secure and fraud-proof banking services for users. If you&#8217;re wondering\u00a0<a href=\"https:\/\/www.ippbonline.com\/hi\/web\/ippb\/aeps-faqs\" target=\"_blank\" rel=\"noopener\"><strong>how to do customer KYC in AEPS<\/strong><\/a>, this guide will walk you through the entire process, from document collection to verification.<\/p>\n<h2><strong>What is AEPS and Why is KYC Important?<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\"><strong>AEPS (Aadhaar Enabled Payment System)<\/strong>\u00a0is a bank-led model that allows customers to perform basic banking transactions using their Aadhaar number and biometric authentication. Since AEPS deals with financial transactions,\u00a0<strong>KYC compliance is crucial<\/strong>\u00a0to prevent identity theft, money laundering, and fraud.<\/p>\n<h3><strong>Types of KYC in AEPS<\/strong><\/h3>\n<ol start=\"1\">\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Aadhaar-based KYC (e-KYC)<\/strong>\u00a0\u2013 Uses biometric authentication.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Offline KYC<\/strong>\u00a0\u2013 Requires physical documents like Aadhaar, PAN, or Voter ID.<\/p>\n<\/li>\n<\/ol>\n<p class=\"ds-markdown-paragraph\">Now, let\u2019s dive into the\u00a0<strong>step-by-step process of completing KYC in AEPS<\/strong>.<\/p>\n<hr \/>\n<figure id=\"attachment_862\" aria-describedby=\"caption-attachment-862\" style=\"width: 1536px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-862\" src=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqngefqbccqm88gwkmtc-min.png\" alt=\"how to do customer KYC in AEPS 02\" width=\"1536\" height=\"1024\" title=\"\" srcset=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqngefqbccqm88gwkmtc-min.png 1536w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqngefqbccqm88gwkmtc-min-300x200.png 300w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqngefqbccqm88gwkmtc-min-1024x683.png 1024w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqngefqbccqm88gwkmtc-min-150x100.png 150w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqngefqbccqm88gwkmtc-min-768x512.png 768w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/><figcaption id=\"caption-attachment-862\" class=\"wp-caption-text\">how to do customer KYC in AEPS 02<\/figcaption><\/figure>\n<h2><strong>Step-by-Step Process for Customer KYC in AEPS<\/strong><\/h2>\n<h3><strong>1. Collect Customer Details<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">The first step in\u00a0<strong>how to do customer KYC in AEPS<\/strong>\u00a0is gathering necessary details:<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Aadhaar Number<\/strong>\u00a0(Mandatory)<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Name as per Aadhaar<\/strong><\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Mobile Number<\/strong>\u00a0(Linked with Aadhaar)<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Bank Account Details<\/strong>\u00a0(IFSC Code &amp; Account Number)<\/p>\n<\/li>\n<\/ul>\n<h3><strong>2. Biometric Authentication (e-KYC)<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">For\u00a0<strong>Aadhaar-based KYC<\/strong>, follow these steps:<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">The customer provides their\u00a0<strong>Aadhaar number<\/strong>.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">A\u00a0<strong>biometric scan<\/strong>\u00a0(fingerprint\/iris) is taken via an AEPS-enabled micro-ATM or banking correspondent device.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">The system verifies the details against\u00a0<strong>UIDAI\u2019s database<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<p class=\"ds-markdown-paragraph\">\u2705\u00a0<strong>Successful authentication<\/strong>\u00a0confirms the customer\u2019s identity, completing the e-KYC process.<\/p>\n<h3><strong>3. Document Verification (Offline KYC)<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">If biometric authentication fails,\u00a0<strong>offline KYC<\/strong>\u00a0is required. The customer must submit:<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Aadhaar Card<\/strong>\u00a0(or e-Aadhaar)<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>PAN Card<\/strong>\u00a0(for high-value transactions)<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Proof of Address<\/strong>\u00a0(Passport, Voter ID, Utility Bill)<\/p>\n<\/li>\n<\/ul>\n<p class=\"ds-markdown-paragraph\">The bank or BC agent verifies these documents manually before approving the KYC.<\/p>\n<h3><strong>4. Bank Account Linking<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Once KYC is complete, the customer\u2019s\u00a0<strong>Aadhaar must be linked to their bank account<\/strong>. This can be done via:<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Net Banking<\/strong><\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Bank Branch Visit<\/strong><\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>ATM<\/strong>\u00a0(using the &#8220;Aadhaar Linking&#8221; option)<\/p>\n<\/li>\n<\/ul>\n<h3><strong>5. AEPS Registration Confirmation<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">After successful KYC, the customer can start using\u00a0<strong>AEPS services<\/strong>, including:<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">Cash withdrawal<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Balance inquiry<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Fund transfers<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Mini statements<\/p>\n<\/li>\n<\/ul>\n<hr \/>\n<h2><strong>Common Challenges in AEPS KYC &amp; Solutions<\/strong><\/h2>\n<h3><strong>1. Biometric Authentication Failures<\/strong><\/h3>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Issue:<\/strong>\u00a0Fingerprint mismatch due to poor scan quality.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Solution:<\/strong>\u00a0Clean the scanner, retry, or use\u00a0<strong>iris scan<\/strong>\u00a0as an alternative.<\/p>\n<\/li>\n<\/ul>\n<h3><strong>2. Aadhaar-Bank Account Not Linked<\/strong><\/h3>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Issue:<\/strong>\u00a0Transactions fail if Aadhaar isn\u2019t linked to the bank account.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Solution:<\/strong>\u00a0Visit the bank branch or use net banking to link Aadhaar.<\/p>\n<\/li>\n<\/ul>\n<h3><strong>3. Invalid\/Expired Documents<\/strong><\/h3>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Issue:<\/strong>\u00a0KYC rejection due to outdated documents.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Solution:<\/strong>\u00a0Ensure all submitted documents are\u00a0<strong>valid and updated<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<hr \/>\n<h2><strong>Benefits of AEPS KYC<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">\u2705\u00a0<strong>Secure Transactions<\/strong>\u00a0\u2013 Reduces fraud risks.<br \/>\n\u2705\u00a0<strong>Financial Inclusion<\/strong>\u00a0\u2013 Helps rural and unbanked populations access banking.<br \/>\n\u2705\u00a0<strong>Paperless Process<\/strong>\u00a0\u2013 e-KYC is fast and eco-friendly.<\/p>\n<hr \/>\n<figure id=\"attachment_863\" aria-describedby=\"caption-attachment-863\" style=\"width: 1536px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-863\" src=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqnhe149n2w71zb6hwpw-min.png\" alt=\"how to do customer KYC in AEPS 01\" width=\"1536\" height=\"1024\" title=\"\" srcset=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqnhe149n2w71zb6hwpw-min.png 1536w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqnhe149n2w71zb6hwpw-min-300x200.png 300w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqnhe149n2w71zb6hwpw-min-1024x683.png 1024w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqnhe149n2w71zb6hwpw-min-150x100.png 150w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/08\/20250804_1610_KYC-Verification-Process-Guide_simple_compose_01k1takqnhe149n2w71zb6hwpw-min-768x512.png 768w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/><figcaption id=\"caption-attachment-863\" class=\"wp-caption-text\">how to do customer KYC in AEPS 01<\/figcaption><\/figure>\n<h2><strong>Frequently Asked Questions (FAQs)<\/strong><\/h2>\n<h3><strong>1. Is Aadhaar mandatory for AEPS KYC?<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Yes,\u00a0<strong>Aadhaar is compulsory<\/strong>\u00a0for AEPS transactions since it relies on biometric authentication.<\/p>\n<h3><strong>2. Can I do AEPS KYC online?<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Yes,\u00a0<strong>e-KYC via UIDAI\u2019s portal<\/strong>\u00a0is possible if biometric authentication is successful.<\/p>\n<h3><strong>3. What if my fingerprints don\u2019t work for AEPS KYC?<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">You can try an\u00a0<strong>iris scan<\/strong>\u00a0or opt for\u00a0<strong>offline KYC<\/strong>\u00a0with physical documents.<\/p>\n<h3><strong>4. How long does AEPS KYC take?<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\"><strong>e-KYC is instant<\/strong>, while offline KYC may take\u00a0<strong>24-48 hours<\/strong>\u00a0for verification.<\/p>\n<h3><strong>5. Is there a fee for AEPS KYC?<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Most banks and BC agents offer\u00a0<strong>free KYC<\/strong>, but some may charge a nominal fee.<\/p>\n<hr \/>\n<h2><strong>Conclusion<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">Understanding\u00a0<strong>how to do customer KYC in AEPS<\/strong>\u00a0is essential for secure and hassle-free banking services. Whether using\u00a0<strong>biometric e-KYC or offline document verification<\/strong>, the process ensures only legitimate users access AEPS transactions. By following the steps above, banking correspondents and customers can smoothly complete KYC and enjoy the benefits of\u00a0<strong>Aadhaar-enabled payments<\/strong>.<\/p>\n<hr \/>\n<h3><strong>Disclaimer<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">This post is for\u00a0<strong>educational purposes only<\/strong>. If you have any concerns regarding this content, please visit our\u00a0<strong><a href=\"https:\/\/aepsseva.in\/blog\/aeps-services-in-rural-areas-of-bihar\/\">DMCA<\/a> page<\/strong>\u00a0for removal requests. Always verify the latest KYC guidelines from\u00a0<strong>official banking or UIDAI sources<\/strong>\u00a0before proceeding.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>KYC (Know Your Customer) is a mandatory process for verifying a (how to do customer KYC in AEPS) customer\u2019s identity [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":863,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[228],"tags":[452,451,455,450,457,449,453,456,454,458],"class_list":["post-860","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aeps","tag-how-to-clear-cache","tag-how-to-draw","tag-how-to-get-help-in-windows-11","tag-how-to-make-sushi-in-grow-a-garden","tag-how-to-redeem-grow-a-garden-codes","tag-how-to-screenshot-on-windows","tag-how-to-take-a-screenshot","tag-how-to-take-a-screenshot-on-pc","tag-how-to-train-your-dragon","tag-how-to-update-drivers"],"_links":{"self":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/860","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/comments?post=860"}],"version-history":[{"count":2,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/860\/revisions"}],"predecessor-version":[{"id":864,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/860\/revisions\/864"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/media\/863"}],"wp:attachment":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/media?parent=860"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/categories?post=860"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/tags?post=860"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}