Onboard Any Borrower
In Under 3 Minutes
GammaKYC is a fully digital, AI-powered identity verification and onboarding engine built for NBFCs, MFIs, and fintechs. Verify PAN, Aadhaar, bank accounts, documents, and face — all in one seamless flow, UIDAI-compliant and RBI-ready.
3 Steps to a Verified Borrower
From form submission to verified profile in under 3 minutes — fully automated, zero manual intervention.
Capture & Submit
Borrower fills a simple digital form and uploads or captures documents via mobile camera or DigiLocker.
- Mobile-first capture UI
- DigiLocker integration
- Selfie liveness check
- Auto-crop & enhance
Instant Verification
Our AI engine validates every document against government databases in real time — no manual review.
- PAN database check
- Aadhaar OTP/DigiLocker
- Bank account penny drop
- Face-match via selfie
Decision & Onboard
Verified profile is scored, flagged, or cleared and instantly handed off to your LOS for loan processing.
- Pass / Review / Reject signal
- Risk flag with reason codes
- Webhook & API callback
- Audit log generated
Every Check, One Platform
Six verification modules that work independently or as a unified onboarding flow.
PAN Verification
Instant PAN card validation against NSDL/UTIITSL database. Returns name, DOB, PAN status, and taxpayer category.
- NSDL & UTIITSL integration
- Name match scoring
- PAN–Aadhaar link check
- Invalid/fraudulent PAN detection
Aadhaar Verification
DigiLocker-based Aadhaar verification — fully UIDAI-compliant with OTP-based consent flow. No raw Aadhaar data stored.
- DigiLocker eKYC flow
- OTP consent based
- VID masking support
- UIDAI compliant
Bank Account Validation
Verify bank account ownership via penny drop, reverse penny drop, or pennyless validation with instant confirmation.
- Penny drop (₹1 transfer)
- Reverse penny drop
- Pennyless/Account name match
- IFSC & MICR validation
Document Analysis
AI-powered OCR extracts, validates, and cross-checks data from PAN, Aadhaar, passport, driving license, and utility bills.
- Multi-document OCR
- Tamper & forgery detection
- Field-level confidence scoring
- Cross-field data validation
Face Match & Liveness
Real-time selfie-to-ID face comparison with passive liveness detection — prevents spoofing with photo or video replay.
- ISO/IEC 30107-3 liveness
- 1:1 face match scoring
- Anti-spoofing detection
- Video KYC support
Business KYC
Verify GST, CIN, Udyam, and FSSAI registrations with enriched business data including directors, filing status, and compliance.
- GST, CIN, Udyam, FSSAI
- Director & UBO details
- Compliance & filing status
- Business vintage check
Enterprise-Grade Security, Built In
End-to-End Encryption
All data encrypted in transit (TLS 1.3) and at rest (AES-256). No raw Aadhaar data ever stored.
Zero-Knowledge Storage
Tokenised references only. GammaKYC never stores sensitive identity data — DPDP 2023 compliant.
Audit Trail
Every verification step is timestamped and logged. Full audit trail available for RBI inspection.
UIDAI & RBI Compliant
Built to UIDAI circular requirements, RBI KYC Master Directions, and PMLA guidelines.
Start Verifying Borrowers Today
Integrate GammaKYC in hours. Go live in days. Zero manual KYC, ever.