ID proof number is required for identity verification, carried out by several organisations providing critical and essential services. These documents are proof that a person is who they claim to be. These are crucial to completing KYC procedures at financial institutions. According to the law, institutions providing financial services in any format are required to conduct customer KYC verification.
When an individual opens a bank account, applies for a loan or approaches any creditor for financial processes, they must submit an ID proof number to verify their identity. These documents are also needed to avail government services. Moreover, businesses where customer onboarding is necessary must complete identity verification before starting to provide customer services.
Overview of Documents for Identity Verification
Due to the shift to remote working scenarios, digital verification has become the norm. In addition, digital channels help improve customer satisfaction as there is no need to submit the documents in person. Instead, customers can upload the documents, which the automated system will verify within a few hours.
Many financial institutions allow citizens to complete customer onboarding through mobile-clicked photographs of themselves and their papers. Under this method, customers can take a video of documents showcasing the ID proof number. The financial institutions check the records for authenticity, verifying them in a few hours. This helps to complete the customer onboarding process quickly and efficiently.
Read more in our ultimate guide to document verification.
List of Documents Required for Identity Verification
The information in the identity verification documents must match the information individuals provided initially. Among other details, the identity verification documents must include ID proof number and personal information like one’s home address.
The following is the list of documents commonly used where an ID proof number is required:
| For Proof of Identity | For Proof of Address |
|---|---|
| Passport | Passport |
| Arms License | |
| Driving License | Driving License |
| Election Commission ID Card | |
| Ration Card with photo of the applicant whose photo to be affixed | Ration Card with address |
| Central Govt Health Scheme /Ex-Serviceman Contributary Health Scheme Card | Central Govt Health Scheme /Ex-Serviceman Contributary Health Scheme Card |
| A certificate of address with photo on letterhead issued by MP/MLA/Group-A Gazetted Officer | MA certificate of address with photo in letterhead issued by MP/MLA/Group-A Gazetted Officer |
| Certificate of occupancy provided by Govt. recognised educational institutions (for students only) | Certificate of occupancy supplied by Govt. recognised educational institutions (for students only) |
| Certificate with a valid photo ID (for rural areas) given by the Village Panchayat head or its equivalent authority | Certificate with a valid photo ID (for rural areas) provided by the Village Panchayat head or its equivalent authority |
| Income Tax PAN Card | Last three month’s water utility bill |
| Photo Credit Card | Fixed line telephone bill (not older than last three months) |
| Address card with photo issued by Dept. Of Posts, Govt. of India | Last three month’s Electricity bill |
| Smart card issued by CSD, Defence/ Paramilitary | Income Tax Assessment Order |
| Post Office/any scheduled bank’s current passbook featuring a photo | Vehicle Registration Certificate |
| Photo identification card (of Central Govt./PSU or State Govt./PSU only) | Registered Sale/Lease Agreement |
| Photo ID Card of Govt. recognised educational institutions (for students only) | Address card with photo issued by Dept. Of Posts, Govt. of India |
| State Government issued-certificate for Caste and Domicile, like Assam and other states | Current Passbook of Post Office/any Schedule Bank |
| Pensioner Card with photo | ID Card with picture having address (of Central Govt./PSU or State Govt./PSU only) |
| Freedom Fighter Card with photo | Last three months’ Credit card statement |
| Kissan Passbook with photo | State Government issued-certificate for Caste and Domicile |
| Aadhaar Card/e-Aadhaar letter downloaded from UIDAI website | Aadhaar Card/e-Aadhaar letter downloaded from UIDAI website |
| Sri Lankan Refugees Identity Card in Chennai and Tamil Nadu | Sri Lankan Refugees Identity Card in Chennai and Tamil Nadu |
The documents people submit for ID and address verification greatly influence the services they want to access. Many state approved verification documents are applicable only in the respective states. Hence, it would be helpful to check with the service provider about the type of documents to submit for verification.
With modern document verification, customers can easily upload documents and get notifications about document verification. In addition, digital verification reduces the administrative staff’s burden because the automation software checks for the validity of the documents by cross-checking online.
