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What is DigiLocker and How to Use it?

What is DigiLocker and How to Use it?

What is DigiLocker and How to Use it?

As the entire world is gradually progressing towards a digital and paperless platform, a key initiative has been launched by the Government of India targeting the idea of paperless governance. As the name suggests, DigiLocker is a digital locker to store all your important documents. It will also lower the risk of loss or damage to the vital documents such as your driving license, educational certificates.

Let us delve deeper into the functionality of DigiLocker to have a clear understanding how it will work and benefit the users.

What is DigiLocker?

DigiLocker is a cloud based document storage and issuance system initiated by Government of India under Digital India. It eliminates the usage of physical documents as you can carry all the 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 the verification. Store your Voter ID, Aadhar Card, PAN Card, educational certificates, life insurance policy documents in a safe manner.

How does it 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 purpose. Once the sign up is completed, you can get the documents from the issuers or simply store it in your digital locker.

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Benefits of DigiLocker

The initiative is aimed at developing paperless governance. DigiLocker offers the following benefits to the users:

  • Users can access their documents anytime, anywhere and share it within seconds. This will save a lot of time and efforts.
  • 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 become easier.
  • It is environment-friendly, as users do not have to print the copies for verification of their documents.
  • Due to the digitalization of documents, the probability of financial frauds will also be low as the documents will be stored in a secure manner.

How DigiLocker will be Beneficial for 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 at 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 documents misplacing.

A few other benefits of DigiLocker to policyholders are:

  • Customers can expect a quick turnaround time of insurance services.
  • Reduction in frauds as the document will can be accessed by authorities registered with DigiLocker.
  • 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.

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