DigiLocker on WebNotes

How to fix a DigiLocker or Aadhaar OTP failure during Zerodha onboarding

Sat, 20 Jun 2026 00:00:00 +0000

A DigiLocker or Aadhaar OTP failure during Zerodha onboarding almost always traces to one fact: the one-time password is delivered only to the mobile number seeded with your Aadhaar at UIDAI , and the number you are holding is not that one. The DigiLocker eKYC step logs you in through Aadhaar and an SMS OTP to the Aadhaar-linked mobile, so if that mobile is stale, ported away from, or never linked, no OTP arrives no matter how many times you tap resend. This guide diagnoses the failure in order, from the trivial causes to the structural one, and gives the two real fixes: update the Aadhaar mobile at UIDAI, or open the account through the offline route.

How to unlink Aadhaar from a Zerodha account

Sat, 20 Jun 2026 00:00:00 +0000

Unlinking Aadhaar from a Zerodha account is not a single switch, and the word covers two very different requests. One is to stop any further Aadhaar authentication or document pull, which a customer can do by withdrawing the standing DigiLocker consent and revoking a shared Virtual ID. The other is to strip a completed Aadhaar eKYC out of an active account, which cannot be done, because know your customer verification is mandatory for every demat account and the identity record has to rest on some officially valid document. This guide separates the two, walks the steps that are actually available, and sets out what the Prevention of Money Laundering Act requires a broker to keep.

How to update KYC using DigiLocker for Zerodha re-KYC

Sat, 20 Jun 2026 00:00:00 +0000

You update KYC through DigiLocker for Zerodha by refreshing your Aadhaar document in DigiLocker so the latest UIDAI data, including your address, is the version Zerodha pulls in, and then running a re-KYC in Console that fetches PAN and Aadhaar from DigiLocker. The DigiLocker step on its own does not change your Aadhaar or PAN data, and it does not update your KYC with Zerodha; it only ensures the document Zerodha fetches is current. The actual update to your securities-market KYC happens when the re-KYC is submitted and filed with the KRA .

eKYC vs offline KYC at Zerodha

Fri, 19 Jun 2026 00:00:00 +0000

Know Your Client (KYC) is the identity-verification step every Indian market intermediary must complete before opening a trading or demat account , and at Zerodha it runs through one of two paths: Aadhaar-based electronic KYC (eKYC) pulled through DigiLocker, or offline KYC built on printed, signed and attested physical forms. Both satisfy the same regulatory requirement set by SEBI in its Master Circular on KYC norms for the securities market dated October 2023, and both end at a KYC Registration Agency (KRA) that validates and stores the record. The two paths differ in how identity is captured, who can use each, and how long they take.

Why Zerodha collects PAN and Aadhaar through DigiLocker

Fri, 19 Jun 2026 00:00:00 +0000

DigiLocker is a Government of India platform run by the Ministry of Electronics and Information Technology (MeitY) under the Digital India Programme that issues and verifies official documents digitally and shares them with a requester only after the document holder gives consent. When you open an account at Zerodha , the broker uses DigiLocker as the route to pull a digitally signed Aadhaar straight from UIDAI , and it separately fetches permanent account number (PAN) details straight from the Income Tax Department. This article explains what DigiLocker is, why a stock broker relies on it for paperless eKYC , what data actually changes hands, the consent and privacy model behind it, and how the DigiLocker pull differs from a plain Aadhaar OTP eKYC.

How to fix a stuck 'pending verification' on Zerodha KYC

Tue, 12 May 2026 00:00:00 +0000

After submitting documents for a new Zerodha account, some applicants find their KYC status stuck on “Pending Verification” for longer than the normal 2 to 5 business-day window. In some cases, the application is silently rejected and the status never updates to “Rejected” in the portal.

Understanding the KYC pipeline, which involves Zerodha’s internal team, CKYC (Central KYC Registry), and UIDAI’s DigiLocker, helps identify where the delay has occurred and what action to take.