DigiLocker API by Cashfree Payments

Overview

DigiLocker API provides access to verified documents instantly via DigiLocker. Get consented access to your users' government-approved documents. The API makes KYC, document storage and management workflows easier and faster.

Key Performance Metrics

What is DigiLocker API

DigiLocker API enables businesses to fetch documents from DigiLocker by redirecting users to DigiLocker for OTP-based verification followed by instant and seamless document access. You can verify documents right from the Cashfree dashboard via the self-serve feature or integrate the DigiLocker API directly on your platform.

Core Features

Plug and Play API

The API is easy to integrate and developer-friendly. Embed the API in your application to retrieve, verify and fetch details from your user's documents in the DigiLocker portal or app. Get instant response backed by 99% uptime and ≤90% Success Rate.

Fetch in Real-Time

Create a customized DigiLocker URL, get verification status and retrieve details from documents as per your use case or workflows.

Details that can be fetched:

Supported document formats:

100% Compliant

OTP-based verification on DigiLocker Portal in compliance with RBI and UIDAI guidelines. Once the OTP is validated and the consent is granted, documents can be viewed, accessed and retrieved.

Widen Reach

Build smoother verification and onboarding workflows for:

Reduce drop-offs during onboarding.

Fraud Prevention

Verify users through the Government's flagship initiative under the Digital India Mission. Detect fraudulent attempts of document forgery or identity theft.

How DigiLocker API Works

Step 1: User Login

User enters Aadhaar number, OTP, and security PIN in your app that has the DigiLocker API integrated.

Step 2: Retrieve Document

User allows consent to share the given DigiLocker document with Cashfree Payments.

Step 3: Get Details

Get instant results in the form of comprehensive details fetched from the verified document, via the DigiLocker API.

Use Cases by Industry

Banks and NBFCs

Streamline KYC process, allow faster account opening, and secure account access for new applicants.

Insurance Platforms

Verify identity and accept documents during onboarding and before disbursing insurance processing amounts.

Logistics and Ride-Hailing Platforms

Do Aadhaar Verification and Driving License Verification via DigiLocker for drivers and delivery partners.

Investment Platforms

Streamline KYC verification for quick customer onboarding. Access Government-issued documents like Aadhaar and PAN.

Micro Lending and NeoBanks

Fast-track user onboarding and validate identity for KYC verification, loan sanctions, mobile wallets etc. Validate users' Aadhaar and PAN as per compliance.

Payments and FinTech Companies

Ensure frictionless onboarding and verify users' details from government documents like Aadhaar and PAN to onboard only reliable and genuine clients.

Document Types Supported

The DigiLocker API can fetch details from multiple government-issued documents:

Frequently Asked Questions

What is DigiLocker?

A flagship initiative under Digital India Mission, DigiLocker is a secure cloud-based platform for storage, sharing and verification of documents & certificates.

How does DigiLocker API work?

With Digilocker API integration, any organisation can offer its clients a secure and easy way to verify their documents on the client portal or even store/manage their documents.

What details can I fetch from DigiLocker API?

Apart from Aadhaar, you can also fetch other details linked to PAN, Driving License and more from DigiLocker.

How to get Aadhaar details if a user doesn't have a DigiLocker account?

If the user does not have a DigiLocker account, DigiLocker will automatically create an account during the consent journey. User has to sign up by providing their Aadhaar number and authenticate with the OTP sent to their Aadhaar registered mobile number.

Can someone else enter details on the DigiLocker page on user's behalf?

No, customers must enter their Aadhaar details, OTP, and captcha themselves for authentication and verification purposes.

Who can fetch documents from DigiLocker?

Only a licensed requesting partner who is authorised by DigiLocker can perform actions such as document sharing and verifications.

What are issued documents and what are uploaded documents on DigiLocker?

DigiLocker categorises documents as issued and uploaded. Issued documents are e-documents issued by government agencies in electronic format from the original data source, whereas uploaded documents are those directly uploaded by the DigiLocker user on the platform.

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About Cashfree Payments

Cashfree Payments enables 1 Million+ growing businesses in India and across the globe to collect payments, make payouts, manage international payments, and more. Cashfree Payments is backed by SBI, Y Combinator, Krafton, and Apis partners and was incubated by PayPal.

Regulatory Compliance

RBI Authorised Payment Aggregator License Certificate of Authorisation No. 266/2025

RBI Authorised Prepaid Payment Instrument (PPI) Provider Certificate of Authorisation No. 209/2024

Getting Started

To start using DigiLocker API:

  1. Create a Cashfree Payments account
  2. Access the self-serve dashboard for document verification
  3. Integrate the DigiLocker API into your platform
  4. Start verifying documents with 99% uptime and ≤90% success rate

Support Resources