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As the world gradually moves towards a digital, paperless platform, the Government of India has launched a key initiative, DigiLocker, aimed at paperless governance.
As the name suggests, DigiLocker is a digital locker for storing your important documents. It lowers the risk of loss or damage to the vital documents, such as your driving license and educational certificates.
Let us delve deeper into the functionality of DigiLocker to have a clear understanding of how it works and benefits the users.
Key Takeaways
DigiLocker provides a cloud-based platform to securely store and access essential documents anytime, anywhere
it promotes digitalisation and has reduced administrative overhead significantly
Documents stored in DigiLocker are verified by government authorities, ensuring authenticity and reducing fraud risks
Insurance policies can be stored digitally, streamlining claims processing and reducing paperwork hassle
DigiLocker helps the environment while making document management effortless
What is DigiLocker?
DigiLocker is a cloud-based document storage and issuance system initiated by the Government of India under the Digital India initiative. It eliminates the need for physical documents as you can store and access all your important documents on the DigiLocker mobile app. The e-copies of the documents will be considered valid on par with the original documents. Organisations registered with DigiLocker or government authorities can access the scanned copies of the documents for verification. Store your Voter ID, Aadhar Card, PAN Card, educational certificates, and life insurance policy documents safely.
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How Does Digilocker Work?
Citizens can scan and store the documents digitally. Each citizen will be given 1 GB (gigabyte) of cloud storage. You can also store signed copies of the documents using the eSign facility. Signing up for DigiLocker is easy and straightforward. Download the app on your mobile phone. Your mobile number or Aadhaar number will be authenticated by an OTP that you will receive. You will be required to set your PIN for security purposes. Once the sign-up is completed, you can get the documents from the issuers or simply store them in your digital locker.
Benefits of DigiLocker
The initiative aims to develop paperless governance. DigiLocker offers the following benefits to the users:
Users can access their documents anytime, anywhere, and share them within seconds. This will save a lot of time and effort
It also cuts down the administrative overhead of government departments by reducing the use of paper
As the documents are directly issued by the registered issuers, the process of validating the authenticity of the documents becomes easier
It is environment-friendly, as users do not have to print copies for verification of their documents
Due to the digitalisation of documents, the probability of financial fraud will also be low, as the documents will be stored securely
How will DigiLocker be Beneficial for Insurance Policyholders?
The National Insurance Repository (NIR) offers a platform to the policyholders to store all their insurance policies in digital format in a single e-insurance account (eIA). However, it doesn’t allow the storage of other essential documents. The Insurance Regulatory and Development Authority of India (IRDAI) has announced that life insurance companies will be issuing the insurance documents via DigiLocker.
DigiLocker eliminates the problem of loss or misplacement of insurance documents by being a one-stop solution for comprehensive document storage. All your documents will be in one place, making it easier for you to access them without much of a hassle. Policyholders can submit their KYC documents in digital format now. Storing the physical copies of long-term insurance policies over time is challenging; this new initiative will resolve the issue of document misplacement.
A few other benefits of DigiLocker to policyholders are:
Customers can expect a quick turnaround time for insurance services
Reduction in fraud as the document can be accessed by authorities registered with DigiLocker
The time taken for claims processing and settlement will be considerably lower
The pandemic has changed the fundamental way people used to live and work. It is quite evident that the use of digital technologies has increased significantly during the period of this health crisis. DigiLocker will help all the citizens in keeping their necessary documents at one place and get it verified online. Moreover, it is completely safe to store the documents in the DigiLocker mobile app.
Did You Know?
DigiLocker is recognised under the IT Act, 2000, which means digitally stored documents are legally valid across government departments.
Source: Digilocker
How to Open a DigiLocker Account?
Opening a DigiLocker account is a straightforward process that allows you to securely store and access your documents anytime, anywhere. The following are the steps that you must consider to get started with the process:
Visit the DigiLocker Official Website or Download the App: The first thing you must do is understand what DigiLocker is and its use. Then, either visit the official DigiLocker website or download the mobile application from the Google Play Store or Apple App Store. The mobile app offers you a more convenient way of accessing your documents on the go.
Sign up Using Your Aadhaar or Mobile Number: Once you are ready to set up your account, the following are the two options to sign up for DigiLocker:
Using Aadhaar Number: If you choose this option, DigiLocker will verify your Aadhaar-linked mobile number through an OTP (One-Time Password).
Using the Mobile Number: If you do not want to use Aadhaar, you can register with any mobile number that you are using. The condition is that the number must be linked to your identity documents for authentication purposes.
Once you receive the OTP, enter it to complete the verification process.
Set a Security PIN for Future Logins: After successful verification, you will be prompted to create a six-digit security PIN. This PIN is essential for securing your account and will be required every time you log in. Ensure that you choose a strong PIN and do not share it with anyone.
Link Your Documents to DigiLocker: One of the most important features of DigiLocker is its ability to fetch documents directly from various government departments and registered issuers. After signing up, you can:
Access Officially Issued Documents: You can retrieve your Aadhaar card, PAN card, driving licence, educational certificates, vehicle registration documents, and life insurance policies from the respective authorities
Fetch Insurance Policies: If your insurance provider is integrated with DigiLocker, your policies can be directly linked, making it easier for verification and claims processing
Upload and Store Personal Documents: Apart from government-issued documents, DigiLocker allows you to upload scanned copies of personal documents, such as:
Birth certificates
Property deeds
Medical records
Financial documents
Educational certificates
In addition, you can eSign these documents to make them legally valid, eliminating the need for physical signatures.
DigiLocker enables you to share your stored documents with government agencies, financial institutions, and employers in a secure manner. You can generate a document link or QR code that allows quick and tamper-proof verification.
Conclusion
DigiLocker is a significant step towards paperless governance in India, simplifying the way individuals store, access, and share important documents. By having a clear picture of how to use DigiLocker and leverage its benefits, you can eliminate the risk of losing or damaging documents while streamlining official processes.
For many policyholders, DigiLocker is especially beneficial, as it allows for secure digital storage of insurance policies. While reducing the dependency on physical copies, it ensures that you experience smooth claims processing. With features like eSign, Aadhaar-based verification, and secure cloud storage, it enhances convenience and security.
If you haven’t yet created a DigiLocker account, now is the perfect time to go digital and stay organised!
Glossary
eSign Facility: DigiLocker feature enabling users to digitally sign documents, making them legally valid without physical signatures
QR Code Sharing: A secure method in DigiLocker that allows users to share verified documents via QR codes for quick validation
e-Insurance Account (eIA): Digitalised a/c for policyholders to store and manage their insurance documents electronically
OTP (One-Time Password): A temporary password sent to a registered mobile number to authenticate user identity for secure login
Cloud Storage: An online system for saving, accessing, and retrieving data, reducing the need for physical copies
FAQs
You can sign up using your Aadhaar-linked mobile number or any mobile number, followed by OTP verification and security PIN setup.
Yes, e-copies of documents stored in DigiLocker are considered legally valid under the IT Act, making them equivalent to physical copies.
Yes, apart from government-issued documents, you can upload and store scanned copies of birth certificates, property deeds, and medical records.
Since documents in DigiLocker are verified and directly issued by government authorities, the chances of fraud and forgery are comparatively less.
You can store Aadhaar card, PAN card, driving licence, voter ID, insurance policies, educational certificates, and more in DigiLocker.
Download the DigiLocker app from Google Play or App Store, sign up using your Aadhaar or mobile number with OTP verification, create a 6-digit security PIN, then fetch government documents or upload scans.
Users store scanned documents in 1GB free cloud space or pull verified digital copies from issuers via URIs. Access occurs through app/website login with PIN, enabling instant sharing via secure links or QR codes.
DigiLocker serves as a digital locker, a secure government cloud platform for storing, accessing, and verifying official documents like Aadhaar, licenses, and insurance policies to enable paperless governance.
The three main uses of DigiLocker are:
Secure document storage-: It allows users to store important documents such as driving licences, Aadhaar cards, PAN cards, and educational certificates in a digital format.
Easy access and retrieval: Documents stored in DigiLocker can be accessed anytime, anywhere, eliminating the need to carry physical copies.
Digital sharing and verification: Users can directly share verified documents with government departments, educational institutions, and other organisations, reducing paperwork and the risk of document loss or forgery.
Disclaimer - This article is issued in the general public interest and meant for general information purposes only. The views expressed in this blog are solely those of the writer and do not necessarily reflect the official policy or position of Canara HSBC Life Insurance Company Limited or any affiliated entity. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the blog or the information, products, services, or related graphics contained in the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk. You should consult with a qualified professional regarding your specific circumstances before taking any action based on the content provided herein.
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