What is E-KYC ? Kaise kiya jata hai? | What is e-KYC in Hindi

E-KYC ke baare mein toh aapne zaroor suna hoga lekin kya aap jaante hain ki ye e-KYC kya hai aur iska upayog kaise kiya jaata hai? Agar nahi, toh is article mein aapko iski poori jaankari milne waali hai. Yahaan hum aapko What is e-KYC in Hindi, KYC verification ke baare mein sampurna jaankari bataayenge.

Electronic Know Your Customer ya e-KYC bankon jaise sangathanon dwara upayog kiye jaane wale nivasi pramaanikaran ki vidhi hai. Aadhar nivasiyon ko isse electronic roop mein ek pate ke roop mein prastut karne ki anumati deta hai, jo Aadhar card ki zerox copy ke roop mein maani jaati hai.

E-kyc Kya Hoti Hai? What is E E-kyc in Hindi?

e KYC ka full form hota hai – Electronic Know Your Customer. Yaani electronic ya digital roop se apne graahak (Customer/Subscriber) ki pehchaan satyapit karna. Daraasal, yeh pehle se chal rahi graahak ki pehchaan prakriya (Know Your Customer) ka ek digital version hai, jo kaagazi dastaavejon ke bajaay electronic upkaranon ki madad se poora kiya jaata hai. Aadhar e KYC Bharat mein sabse lokpriya prakriya hai.

Aadhaar E-kyc Kya Hoti Hai?

Aadhar e KYC ek paperless KYC prakriya hai jo electronic madhyam se aapki pehchaan (ID proof), pata (Address proof) aur anya vivaranon ko pramanit (Authentication) karti hai. Ismein kisi vyakti ke bayometriks ka uske base database mein milan kiya jata hai. UIDAI Aadhar card dharakon ko ghar baithe e-KYC suvidha pradan karta hai.

Bayometriks ka sabse lokpriya aur aasan tarika ungliyon ke nishaan hai. Sabhi sarkari aur niji companiyon jaise phone companiyon, vittiya sansthano, bankon, nivesh sansthano, niyamak sansthano (Regulatory Institutions) adi ne bhi Aadhar e KYC ka upayog karne shuru kar diya hai. Aadhar ke is mahatv ko dhyan mein rakhte hue, ek carddharak ko ismein adyatan vivaran darj karwana hoti hai. UIDAI Aadhar card dharakon ko ghar baithe e-KYC suvidha pradan karta hai.

UIDAI ke mutabik, iske dwara carddharak ka ID proof, address proof aur anya details electronic tarike se authenticate kiye jaate hain. Electronic pata ya e-KYC bankon jaise sangathnon dwara upayog kiya jaane wale nivasi pramanikaran ki vidhi hai. UIDAI isse ek pate ke roop mein electronic roop se prastut karne ki anumati deta hai, jo Aadhar card ki zerox copy ke saman manya hai.

E-kyc Ke Kya Fayde Hain?

e-KYC ke jariye kagazi karwai poori tarah khatm ho gayi hai. Isse poori prakriya mein pardarshitata bani rahti hai. Grahakon ko apne dastavejon ki photocopy sajha karne ki avashyakta nahin hoti. Isse chori aur dhokhadhadi ki sambhavnaen khatm ho jati hain. Jabki physical KYC mein 5-7 din lagte hain, vahi e-KYC mein kuch hi minute lagte hain.

Kyc Ke Liye Zaroori Dastavej:

1. Photograph (Photo)
2. Pehchaan pramaan (Identity Proof)
3. Nivaas ya pata pramaan (Address Proof)
4. Janm tithi ka pramaan (Birthdate Certificate)
5. Rishte ka pramaan (Relation Certificate)
6. Phone number aur email ID (Phone Number & Email ID)

Samaanya KYC ki prakriya ke liye nimnlikhit mein se ek ya adhik dastavejon ki avashyakta ho sakti hai.

E-kyc Ka Upayog Kaise Kiya Jata Hai?

e-KYC ka upayog Aadhar card, Paytm KYC ityadi ke liye kiya jata hai, yahan hum aapko iske kuch mahatvapurna upayog bat rahe hain.

Vyaktigat Pahachan Ke Liye (Individual):

e-KYC ke prathmik star ka upayog vyakti ki pahachan ko satyapit karne ke liye kiya jata hai. Udaaharan ke liye, mobile SIM ya aarakshit shreni ki train yatra mein vaastavik ticket dharak ki pahachan nirdharit karna. Iska matlab yah hota hai ki aapne apna aur apne pita ka jo naam diya hai, vah sahi hai ya nahi.

Banking, Vittiya Len-den Mein (Financial/banking Transaction):

Bank mein khata kholne ke liye ya len-den ke liye, share bazaar, mutual fund adi mein nivesh karne ke liye khata khulwane ke liye. In mamlo mein, KYC avashyak hai taaki ek vyakti nivesh kar sake keval apne hi naam par. Isse har vyakti ki javabdehi tay hoti hai aur kala dhan rukta hai.

Bank Account Band Hone Par (Account Deactivation):

Yadi aapka bank khata gair-len-den karanon se band kar diya gaya hai, to aapko ise phir se sakriya karne ke liye phir se KYC prakriya se guzarna hoga.

Kanooni Prakriya Mein (Juridicial):

Kisi bhi sampatti ya anya labh par aapke dave ki pushti karne ke liye kanooni prakriya mein e-KYC ka upayog vyavhaar mein aa gaya hai. Fingerprints, DNA matching adi bhi apradhi mamlo mein e-KYC se alag hote hain.

Sarkari Evam Prashasanik Kaamon Mein (Govt/administerial):

Karmachariyon ki unguliyon ke nishan se upasthiti ki pushti karna. Yah sunishchit karna ki subsidy, EPF, pension, bima adi ka labh sahi labharthiyon tak pahunchte hain.

E-kyc Ka Matlab Hai ( Nishkarsh )

Aadhar OTP ke jariye KYC ki prakriya ko online poora karna. Pahle, grahakon ko bank mein khata khulwane ke liye ya Aadhar card, PAN card adi dastavejon ke saath kaaryalay jaana padta tha, mutual funds ya SIP, demat khata adi mein nivesh karne ke liye.

Lekin Aadhar ki sarvabhaumik svikriti ke baad, sabhi sansthaye KYC ki prakriya ko aasaan aur tez karne ke liye e-KYC ki prakriya apna rahi hain. Is prakriya ke tahat grahak ki jaankari Aadhar se sansthano ko transfer ki jaati hai. Isme dhyan dene layak hai ki mobile number ko grahak ke Aadhar se link kiya jaana chahiye taaki grahak ko OTP prapt ho sake aur e-KYC ki prakriya poori ki ja sake.

Umeed hai aapko e-KYC ke baare mein ye jaankari pasand aayi hogi, agar haan to ise social media par apne doston ke saath zaroor share karein.