How to Download Aadhaar XML Zip File for Offline eKYC: Unlock Seamless Digital Onboarding

💡 VID is a privacy-centric alternative that allows you to avoid sharing your actual Aadhaar number.

💡 Choose a share code that’s easy to remember but hard to guess.

4 Tips to Consider When Downloading Aadhaar XML File

2. Store your share code securely

3. XML file is valid for a limited duration – usually three days (As per RBI)

4. For a secure and seamless eKYC, use SignDesk’s innovative tools

Verified by UIDAI

Demographic Data Only

Masked Aadhaar Number 

Encrypted ZIP Format

Ensure authentic and tamper-proof files that pass audits every time.

No biometric risk, only what’s needed. Includes key user info (Name, DOB, Address, etc., in hashed form)

The full 12-digit Aadhaar is hidden, ensuring data privacy and regulatory alignment.

Secure by design. Files are shared in password-protected ZIPs with a 4-digit share code.

Why Aadhaar XML for Offline KYC?

• No Biometrics or Aadhaar Number Shared – Keeps user data private & secure.
• Tamper-Proof & Digitally Signed – A verifiable XML file issued directly by the UIDAI.
• Portable, Easy to Share – Downloaded once, reusable across multiple platforms.
• Real-Time Verification, Zero Downtime – No internet dependency, ideal for Tier 2/3 onboarding.

Go paperless, privacy-first, and fully digital with Aadhaar XML-based Offline KYC.

Privacy: Full Control in the User’s Hands

The Aadhaar XML file empowers individuals with direct control over their KYC data:

• User-Driven Sharing: Aadhaar holders download and share the XML file themselves, without the UIDAI’s tracking or involvement.  This ensures data control remains with the individual.
• Masked Identity: Instead of revealing the actual Aadhaar number, a unique reference ID is used, minimizing the risk of identity exposure.
• No Biometrics Required: This method does not require biometric data (such as fingerprints or iris scans).  This thereby reduces concerns about data privacy and security.
• Custom Data Sharing: Aadhaar holders can choose which demographic fields (e.g., name, address, date of birth, photo) to share, supporting data minimization.  It is a key privacy principle under India’s Digital Personal Data Protection Act (DPDPA) 2023.

Security: Built-In Authenticity & Encryption

UIDAI digitally signs the Aadhaar XML file, ensuring it is authentic and tamper-proof:

• Digital Signature by UIDAI: Ensures that the file is genuine and unaltered, making verification easy for institutions.
• Custom Encryption: The file is protected using a user-defined share code, which encrypts the ZIP file containing the XML.  Ensuring only authorized access.
• Additional Layer of Authentication: Institutions can use OTP or face authentication for added validation.  Ensuring data is linked to the legitimate Aadhaar holder.

Scalable, Voluntary & Widely Applicable

The Aadhaar XML system promotes inclusion by offering a voluntary, consent-based KYC alternative:

• Voluntary Participation: Offline Aadhaar KYC is entirely optional, ensuring that users are not forced to share data they don’t wish to.
• Wide Applicability: From rural microfinance institutions to urban NBFCs, any entity can use the XML file with the holder’s consent.  No API integrations or biometric hardware required.
• Ideal for Remote Regions: Enables Know Your Customer (KYC) in low-connectivity or low-tech regions, removing barriers to financial inclusion.

What you need

Traditional KYC

Aadhaar XML Offline eKYC with SignDesk

Compliance

Paper-based, error-prone

RBI & UIDAI approved; 100% compliant digital workflows

Processing Speed

5 – 10 days

Cut TAT by up to 68%

Privacy

Sensitive documents are manually shared

Masked data, no Aadhaar number shared

Cost Efficiency

High overhead (printing, storage, workforce)

Fully digital, reduces costs by 54%

Accessibility

Manual handling, physical presence needed

Downloadable anytime from UIDAI & upload via SignDesk portal

Data Security

Risk of tampering or document loss

UIDAI-signed XML, tamper-proof & encrypted

Problem

Possible Solution

Traditional Know Your Customer (KYC) methods can delay loan processing by 5 – 10 days or more.

Aadhaar XML KYC enables instant identity verification through a secure ZIP file, reducing dependency on external APIs and network availability.

Problem

Possible Solution

A global study reveals that commercial banks have experienced a 67% decrease in customers due to a poor and inefficient Know Your Customer (KYC) and onboarding journey.

Aadhaar XML enables users to self-upload their KYC data, thereby speeding up the onboarding process without requiring real-time authentication.

Problem

Possible Solution

SEBI regulations mandate KYC compliance for all capital market investors; however, in-person verification can slow down adoption, especially in Tier-2 and Tier-3 cities.

Aadhaar XML KYC allows mutual fund platforms and brokerages to collect verified, digitally signed identity data remotely.

Problem

Possible Solution

Insurance agents often face delays in Know Your Customer (KYC) processes due to field verification and paperwork, especially for low-ticket, high-volume products.

Aadhaar XML enables insurers to onboard customers remotely with digitally signed XMLs, which are verified instantly via UIDAI’s eSign.

Talk to our onboarding experts