Setu KYC
Verify individuals and businesses with ease
Verify users to disburse loans, make payouts, enable stock or crypto investments, and more.
Get the best uptimes and availability. Integrate easy-to-use APIs, or embed pre-built theme-able screens.
Complete KYC to avail personal loan—
STEP 1—Verify PAN
STEP 2—Verify Aadhaar
STEP 3—Verify bank account
ABCDE1453G
Verified
Enter Aadhaar number
Verified via DigiLocker
Enter bank account details
Verified
Verified details
PAN
Aadhaar number
Aadhaar address
Bank details
KYC completed successfully!
Verify customers with ease
Simplify verifications, like the businesses already using our KYC stack
Get better conversions with superior UX, industry best response times and great pricing.
Choose from multiple data blocks
Reduce fraud early on, with our modular KYC verification bundle.
Bank account verification
Easily verify private, public, current or savings accounts.
DigiLocker
Access pre-verified government documents, even for new customers.
Aadhaar
Get customer details with compliant Aadhaar verification.
PAN
Use one API for individuals or businesses to instantly check details from NSDL.
Serve use cases for your business
On-board and verify your customers—whether you lend to individuals, have an investment or insurance platform or serve other businesses.
Provide insurance
Reduce fraud with PAN and bank account checks prior to insurance offers
Enable investments
Let users sign up quickly with PAN or Aadhaar, before they invest in stocks or mutual funds
Verify businesses
Validate business customers’ bank accounts before making payouts
On-board for online commerce
Verify sellers on e-commerce platforms with PAN/Aadhaar and bank account details
Verify gig workers for food delivery or transport
Validate driving licenses, check PAN/Aadhaar and verify bank accounts
Power digital lending, BNPL or credit
Verify borrower PAN/Aadhaar and bank account before loan disbursal
and more use cases
The best experience for customers and businesses
The simplest UX
Quick verification using a variety of data blocks.
Low-cost on-boarding
Affordable on-boarding with digital verifications.
Comprehensive sandbox
Sample test data and detailed explanations for response codes.
Compliance first, always
Compliant with UIDAI guidelines and data privacy norms.
Need other data based products?
Get rich financial data on customers or let them eSign with in-built Aadhaar verification.
Setu Account Aggregator gateway
Access financial data with user consent
Setu eSign gateway
Integrate India’s best Aadhaar eSign experience
FAQs
What is Setu KYC?
Setu KYC is a bundle of products that you can easily integrate with to verify your customers, whether they are individuals or businesses.
The bundle offers multiple types of verification blocks—bank account verification, fetching DigiLocker documents, Aadhaar verification and PAN checks —from which you can choose one or more that suit your needs.
With the Setu KYC bundle, you only need to work with Setu, but can make use of multiple data blocks that you need to integrate with.
Who does Setu partner with to identify or verify customers?
Setu works closely with multiple certified government entities like NSDL, UIDAI, Digilocker and provides verified data only.
How do I choose between API integration and pre-built screens?
By default, we offer simple REST APIs for integration and provide responses in JSON. You can refer to our API Docs and start testing APIs once you have the clientID and clientSecret for your organisation.
However, some data blocks, like Aadhaar verification or bank account verification, require a user to complete multiple steps on screen(s). In such cases, Setu provides an alternative to API integration with customisable pre-built screens.
Our pre-built UI connects to our APIs and can be customised with your branding. Some default benefits—
Cut integration time
Manage desktop/mobile responsiveness
Handle error/success scenarios
We also continuously work towards improving this experience to suit the needs of your customers, with minimal clicks and redirections.