Banking & Financial Compliance#128

Understanding DigiLocker document linking and consent-based sharing

Link government documents in DigiLocker to share them digitally with banks, employers, or portals.

At a glance

Jurisdiction

All of India — DigiLocker is a Government of India platform under the Ministry of Electronics and Information Technology (MeitY)

Who applies

Any Indian citizen with a valid Aadhaar number who wants to store government-issued documents digitally, access issued documents from government issuers, and share documents with employers, educational institutions, banks, or government departments through a consent-based secure digital mechanism

Typical time

Account creation: 5 minutes; document fetch from government issuers: instant to 24 hours; document sharing: instant

Fee

Free for all citizens

Who should use this process

  • Must have a valid Aadhaar number linked to a registered mobile number for OTP-based authentication
  • Aadhaar must be active and not suspended by UIDAI
  • Any Indian resident aged 14 and above can create a DigiLocker account; minors below 14 may be enrolled through a parent or guardian in some states
  • For government-issued documents (driving licence, RC, PAN, marksheets, insurance), the document must have already been issued and the issuing authority must be a registered DigiLocker issuer

Who does NOT need to apply

  • Documents from private entities (private school certificates, private employment letters) cannot be issued through DigiLocker unless the issuer is registered as a DigiLocker issuer
  • Citizens without an Aadhaar number or with a mobile number not linked to Aadhaar cannot complete eKYC-based registration; they must first update Aadhaar linkage
  • Non-resident Indians (NRIs) with foreign phone numbers may face OTP delivery issues; an Indian mobile number is required

Documents required

#DocumentType neededPurpose
1Aadhaar CardOriginalPrimary authentication document; Aadhaar number and OTP are used to create and verify the DigiLocker account
2Mobile number linked to AadhaarOriginalReceives OTP for account creation, login, and every consent-sharing transaction; must be the UIDAI-registered mobile number
3PAN Card details (for PAN linking)(optional)Required only when fetching PAN document from the IT department issuerOriginalEntered to fetch the digital PAN card from the Income Tax Department issuer on DigiLocker
4Driving Licence number (for DL linking)(optional)Required when fetching the digital driving licenceOriginalEntered to fetch the digitally issued driving licence from the Parivahan / state transport department
5Vehicle Registration Certificate number (for RC linking)(optional)Required when fetching the digital vehicle RCOriginalEntered to fetch the digital Registration Certificate from the Parivahan / VAHAN portal

Original documents: Carry originals only for in-person visits — do not hand them over permanently unless explicitly required.

Step-by-step guide

  1. 1

    Create DigiLocker account

    Online

    Visit digilocker.gov.in or download the DigiLocker app (Android or iOS). Click 'Sign Up'. Enter your mobile number (linked to Aadhaar) and receive an OTP. Set a 6-digit security PIN. Optionally, enter your Aadhaar number and authenticate via Aadhaar OTP to link your account to Aadhaar and unlock all features. Your account is active immediately.

    5–10 minutesDigiLocker — digilocker.gov.in
  2. 2

    Link Aadhaar and complete eKYC

    Online

    After account creation, go to 'Profile' and link your Aadhaar (if not done during signup). Enter your 12-digit Aadhaar number and authenticate with the OTP sent to your Aadhaar-linked mobile. Once Aadhaar is linked, your name, date of birth, gender, and photo from UIDAI are auto-populated in your DigiLocker profile. Aadhaar linking unlocks issued documents and the consent-sharing feature.

    5 minutesDigiLocker — digilocker.gov.in
  3. 3

    Fetch issued documents from government issuers

    Online

    Go to 'Search Documents' in DigiLocker. Choose the issuer (e.g., CBSE for marksheets, Income Tax Department for PAN, Ministry of Road Transport for DL/RC, UIDAI for Aadhaar). Enter the required details (roll number, PAN, DL number, etc.). DigiLocker fetches the digitally issued document in real time from the issuer's repository. The document appears in 'Issued Documents' in your account.

    1–5 minutes per documentDigiLocker — digilocker.gov.in
  4. 4

    Upload self-attested documents to the Drive section

    Online

    DigiLocker also provides a personal 'Drive' (cloud storage of 1 GB) where you can upload scanned copies of documents that are not yet issued digitally (e.g., property documents, insurance policies, birth certificates from local bodies). These uploaded documents are stored securely but carry less legal weight than issuer-issued documents.

    5–10 minutes per documentDigiLocker — digilocker.gov.in
  5. 5

    Share documents using consent-based sharing

    Online

    When a bank, employer, or institution requests a document, they send a 'Pull' request to your DigiLocker account (via their integrated system). You receive a notification and can approve or reject the request. You can also 'Push' documents by sharing a secure link directly from your DigiLocker app to the recipient. Each share requires your explicit consent and is logged in your activity history.

    2–5 minutesDigiLocker — digilocker.gov.in
  6. 6

    Use digital documents for real-world transactions

    Online

    DigiLocker-issued documents are legally valid under the IT Act, 2000 (Rule 9A) and accepted by railways (ticket booking and travel), banks (account opening, KYC), courts, educational institutions, and most government departments. For traffic police, the digital DL and RC on DigiLocker are accepted as valid documents under the Motor Vehicles (Amendment) Act, 2019 and mParivahan app.

    Ongoing

Government officers involved

DigiLocker Helpdesk / Grievance Officer

MeitY / NIC (National Informatics Centre)

Account issues, document fetching failures, and grievance resolution

Resolves account lockouts, document fetch errors, and consent-sharing failures; operates via digilocker.gov.in/contact

Issuer Authority Nodal Officer

Respective Government Department (CBSE, MoRTH, UIDAI, IT Department, etc.)

When a document is not available or has incorrect details

Responsible for uploading and maintaining accurate records on DigiLocker at the issuer level; contact the issuer directly for document discrepancies.

Government portals

DigiLocker

https://www.digilocker.gov.in

Account creation, fetching issued documents from government issuers, uploading personal documents, and consent-based sharing

UIDAI Self Service Update Portal

https://ssup.uidai.gov.in

Updating your mobile number linked to Aadhaar, required before DigiLocker account creation if your current mobile is not linked

Things to watch out for

Issued documents are legally stronger than uploaded documents

Documents in the 'Issued Documents' section (fetched from government issuers) are digitally signed and legally equivalent to originals. Documents you upload to the 'Drive' section are just scanned copies — they have the same legal standing as a physical photocopy and may not be accepted in place of originals.

Account is tied to your Aadhaar-linked mobile — protect it

DigiLocker login and every consent-sharing transaction requires an OTP on your Aadhaar-linked mobile. If you lose this SIM or it is compromised, your entire DigiLocker account is at risk. Immediately lock your DigiLocker account via the website and report SIM loss to your telecom operator if your phone is stolen.

Documents shared via DigiLocker can be verified for authenticity

Every issuer-issued document on DigiLocker has a digital signature. Recipients can verify the signature using the DigiLocker verification tool. Do not try to print and modify issued documents — any alteration breaks the digital signature and the document will be flagged as tampered when verified.

Not all government services accept DigiLocker everywhere yet

While DigiLocker is widely accepted, some older state government offices, courts, and institutions may still insist on physical originals. DigiLocker acceptance is mandated for central government services but adoption by state-level offices varies.

Driving licence on DigiLocker requires Aadhaar-DL linkage by state

Your digital DL on DigiLocker is only available if your state's transport department has linked DL data to the Parivahan-DigiLocker integration. Some states have delays in data uploading. If your DL is not appearing, contact the nearest RTO to confirm your record is updated in the VAHAN system.