Vkyc

User should login using Mobile number and OTP will be generated and sent to the entered mobile number.

1. User has to enter First and last Name

2. Then user has to select DOB and Gender.

3. Finally has to enter Father name and PAN number to verify Pan details.

4. Post Pan verification, Current address Pincode to be entered. If the pincode is not serviceable then application will be rejected.

5. Net Monthly income of the customer (<25k, 25k-50k-50k) and employment type (Salaried/Self Employed) of the customer to be captured as in the current system.

Eligible loan amount for the customer will be shown

The prospect will be offered Credit Shield insurance as an option.

1. If the prospect selects Yes, they will be provided with a Credit Shield policy.

2. If the prospect selects No, they can continue the loan process without Credit Shield insurance.

Aadhaar is validated through digilocker. Address details will get auto updated according to Protean ekyc/digilocker response.

1. Address details and other available details is fetched from aadhaar.

2. If Aadhaar address does not match with the customer current address of stay, Then correspondence address along with valid proof Should be given.

3. Customer to select type of Employment Salaried/self employed and Fill the details of company name and address.

After Personal & Address Details screen References 1 and 2 should be added.

User has to E-sign with OTP