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📋 Explanation of KYC Steps

This guide provides a comprehensive walkthrough of the complete KYC verification process, explaining each step with detailed screenshots and instructions.

🎯

KYC Process Overview

The KYC verification consists of 4 main steps: Login → Personal Details → Selfie Verification → Additional Information. The entire process typically takes 2-3 minutes to complete.

Step 1: Login (Optional)​

Skip Login

If userEmail parameter is passed in the KYC widget URL, this step is automatically skipped.

1.1 Enter Email Address​

Users need to enter their email address and request an OTP:

Enter Email for OTP

Actions:

  • Enter valid email address
  • Click "Get OTP" button
  • OTP will be sent to the provided email

1.2 Verify OTP​

Enter the 4-digit OTP received on email:

Enter OTP

Actions:

  • Check email inbox for OTP (check spam if not received)
  • Enter the 4-digit OTP
  • Click "Verify" button
  • Upon successful verification, user is redirected to KYC first page
⏱️ OTP Validity:

OTP is valid for 10 minutes. Request a new one if it expires.

Step 2: Personal Details​

2.1 Enter PAN and Phone Number​

Provide your PAN (Permanent Account Number) and phone number for verification:

Enter PAN and Phone Number

Required Information:

  • PAN Number: 10-character alphanumeric PAN card number
  • Phone Number: 10-digit mobile number linked to Aadhaar

Actions:

  • Enter valid PAN number
  • Enter phone number (must match Aadhaar-linked number)
  • Click "Submit" button

2.2 DigiLocker Permission​

After clicking submit, browser will request permission to open a new window:

DigiLocker Permission

Actions:

  • Allow the popup window permission
  • DigiLocker window will open in a new tab
⚠️ Important:

Make sure your browser allows popups. If blocked, check browser settings and allow popups for this site.

2.3 DigiLocker Session​

DigiLocker session will be generated. Click to proceed:

Proceed to DigiLocker

Actions:

  • Click "Proceed to DigiLocker" button
  • You'll be redirected to DigiLocker sign-in page

2.4 DigiLocker Sign In​

Enter mobile number, give consent, and sign in:

DigiLocker Sign In

Actions:

  • Enter your Aadhaar-linked mobile number
  • Check the consent checkbox
  • Click "Sign In" button
  • OTP will be sent to your mobile number

2.5 DigiLocker OTP Verification​

Enter the OTP received on your mobile:

DigiLocker OTP

Actions:

  • Enter 6-digit OTP received via SMS
  • Click "Sign In" button

DigiLocker will request consent to access your documents:

Required Document Consent

🆔
Aadhaar CardName, address, photo, and DOB
💳
PAN CardPAN number and name verification

Actions:

  • Give consent for Aadhaar document access
  • Give consent for PAN document access
  • DigiLocker will fetch and send documents to Onmeta
  • After successful document fetch, you'll be redirected to the next KYC step
🔒 Privacy & Security:

DigiLocker is a Government of India initiative. Your documents are fetched securely and used only for verification purposes.

Step 3: Selfie Verification​

3.1 Capture Live Selfie​

Follow on-screen instructions to capture your selfie:

Selfie Capture

Instructions:

🎯

Center Your Face

Position face within the oval frame

💡

Good Lighting

Ensure adequate lighting on face

👤

Liveliness Check

Move face as instructed

📸

Clear Photo

Avoid blur and obstructions

Actions:

  • Allow camera permission when prompted
  • Position your face in the center of the frame
  • Follow on-screen instructions for liveliness check
  • Click "Capture Photo" when ready

3.2 Photo Preview & Submit​

After capturing, you'll see a preview of your photo:

Actions:

  • Submit: If photo is clear and acceptable, click submit to proceed
  • Retake: If you want to capture again, click retake button

3.3 Verification Process​

Once you submit the selfie, the following checks are performed in the background:

Automated Verification Checks

1️⃣
Liveliness DetectionVerifies the photo is of a live person, not a photo/video
2️⃣
Face MatchingCompares selfie with Aadhaar photo from DigiLocker

If both checks are successful, you'll be redirected to the final KYC step.

Step 4: Additional Information​

4.1 Provide Additional Details​

Complete your KYC by providing additional information:

Additional Information

Required Information:

📊 Annual IncomeSelect your annual income range from dropdown
💼 OccupationSelect your current occupation/profession
🎯 PurposeSelect the purpose for using Onmeta services
💰 Source of FundsSelect the primary source of your funds

Actions:

  • Select appropriate value from each dropdown
  • All fields are mandatory
  • Click "Submit" button

4.2 KYC Completion​

🎉

KYC Successfully Completed!

Your KYC verification has been submitted successfully. You'll receive a confirmation email of KYC completion.

Common Issues & Solutions​

DigiLocker popup or camera is blocked

Solution:
  • Check your browser's popup settings
  • Allow popups for this site
  • Try again after enabling popups
  • Check permissions for enabling camera

Selfie verification failed

Solution:
  • Ensure good lighting on your face
  • Remove glasses, caps, or face masks
  • Keep face centered in the frame
  • Follow liveliness check instructions carefully
  • Retake the photo if needed

Phone number not linked to Aadhaar

Solution:
  • Ensure the phone number is linked to your Aadhaar
  • Visit UIDAI website to link/update mobile number
  • Wait 24 hours after linking before trying again

Documents not fetched from DigiLocker

Solution:
  • Verify PAN and Aadhaar are linked
  • Check if documents are available in your DigiLocker account
  • Try the process again after a few minutes
  • Contact support if issue persists

What's Next?​