Aadhaar Verification via Aadhaar XML API Verify Aadhaar Identity Using Digitally Signed XML
Verify Aadhaar identity information through Aadhaar Paperless Offline e-KYC XML with a secure, API-driven workflow. The API can validate the digitally signed XML and extract available identity information for KYC, customer onboarding, lending, banking, insurance, and other verification workflows.
UIDAI’s Aadhaar Paperless Offline e-KYC provides a digitally signed XML that an Aadhaar holder can voluntarily download and share with a service provider for offline identity verification. The XML can contain details such as name, address, photo, gender, date of birth, and hashed mobile/email information.
End-to-End Flow
Initiate Verification
Collect Aadhaar XML
Provide Share Code
Provide Share Code
Validate Digital Signature
Process Identity Information
Generate Verification Result
Complete KYC Workflow
Key Capabilities
Aadhaar XML Verification
Verify Aadhaar identity information using the digitally signed Offline e-KYC XML.
Digital Signature Validation
Validate the XML’s UIDAI digital signature to check its authenticity and detect tampering.
Demographic Data Extraction
Retrieve available information such as name, date of birth, gender, and address.
Photograph Extraction
Access the photograph contained in the XML in its supported encoded format.
Reference ID
Retrieve the reference identifier included in the Offline e-KYC XML.
Hashed Contact Information
Process the hashed mobile number and email information contained in the XML according to the applicable verification logic.
Paperless KYC
Replace manual document handling with a digital XML-based verification workflow.
Structured API Response
Return verified information in a machine-readable JSON format for easy integration.
Use Cases
Banking & Financial Services
Verify customer identity during account opening and other eligible banking workflows.
Digital Lending
Perform paperless identity verification during loan onboarding.
NBFC & Microfinance
Use XML-based Aadhaar verification as part of customer onboarding and KYC workflows.
Developer Experience
Simple API Integration
Integrate Aadhaar XML verification into existing applications through API-based workflows.
Automated XML Processing
Automate XML extraction, parsing, and verification instead of performing manual document checks.
Digital Signature Validation
Validate the digital signature embedded in the XML as part of the verification process.
Structured JSON
Receive extracted Aadhaar information and verification results in a developer-friendly response.
Secure Processing
Process sensitive identity information through controlled verification workflows.
Bulk Verification
Support high-volume XML verification workflows where enabled by the implementation.
Workflow Ready
Integrate with KYC, LOS, LMS, CRM, onboarding, lending, and financial applications.
Suggested Input
Illustrative structure exact fields should follow your production implementation.
{
"aadhaar_xml": "<BASE64_ENCODED_XML_OR_FILE>",
"share_code": "ABCD1234",
"consent": true
}Suggested Output
Illustrative structure exact fields should follow your production response.
{
"client_id": "FINXXXXXX",
"reference_id": "1234-5678-9012",
"name": "XXXXXXXX",
"date_of_birth": "DD-MM-YYYY",
"gender": "MALE",
"address": {
"house": "XXXXXXXX",
"street": "XXXXXXXX",
"city": "XXXXXXXX",
"district": "XXXXXXXX",
"state": "XXXXXXXX",
"pincode": "XXXXXX"
},
"photo": "<BASE64>",
"xml_verified": true,
"verification_status": "VERIFIED"
}Implementation note: UIDAI’s Offline e-KYC XML is digitally signed and contains defined identity fields. Mobile and email are represented as hashes rather than plain-text values. The exact API request and response structure above is illustrative and should be replaced with the actual FinAnalyz production schema.
Frequently Asked Questions
What is Aadhaar XML Verification?
Aadhaar XML Verification is an offline Aadhaar verification process where an Aadhaar holder generates a digitally signed Offline e-KYC XML and voluntarily shares it with a service provider for identity verification.
What information is available in the Aadhaar XML?
The Offline e-KYC XML can contain name, address, photograph, gender, date of birth, hashed mobile number, hashed email address, and a reference ID.
Does XML verification require an online UIDAI authentication response?
No. UIDAI describes Offline Verification as a process where identity information is verified locally without sending the verification request to and receiving a response from UIDAI online.
How is the XML authenticated?
The XML is digitally signed. The service provider can validate the digital signature using the applicable UIDAI public key to verify the authenticity of the document and detect tampering.
What is the Share Code?
The Share Code is used by the Aadhaar holder to protect the downloaded XML ZIP file. The service provider uses the customer-provided Share Code to extract the XML for verification.
Is Aadhaar XML Verification consent-based?
Yes. UIDAI describes Aadhaar Paperless Offline e-KYC as a voluntary, Aadhaar-holder-driven mechanism where the resident chooses to download and share the XML with a service provider.
Can the API verify the customer's photograph?
The XML contains a Base64-encoded photograph. A service provider can extract and use the photograph as part of its permitted verification workflow. UIDAI also describes optional face validation as a possible additional verification mechanism.