Ladki Bahin Yojana eKYC Guide
Learn what eKYC means, why verification may be required, what you should prepare, and how to avoid common mistakes.
This page explains eKYC. It does not perform it, and it cannot check or complete anyone’s verification.
What this page never asks for
- Your Aadhaar number
- Any OTP sent to your phone
- Your bank account number
- Passwords or login details
- Card or ATM information
What Is eKYC?
KYC means “Know Your Customer”. It is simply the process of proving that you are who you say you are. Banks have done this for years by looking at your documents in the branch. eKYC is the same idea done electronically, so your details are checked against official records instead of by hand.
In plain terms: instead of an office comparing your papers and typing everything in, a computer system confirms that the name, date of birth and other details you have given match what is already on record. That is all it is.
eKYC is electronic identity verification.
It confirms that you are a real person, that the details given are yours, and that the bank account named for a payment actually belongs to you.
Why eKYC May Be Required
Welfare schemes generally include a verification stage because public money is being transferred to individuals. In broad terms, verification serves these purposes.
- It confirms your identitySo that the benefit reaches the person who applied, and not someone using her name.
- It confirms the bank account is yoursMoney is transferred directly, so the account named for payment has to belong to the applicant.
- It prevents duplicate claimsElectronic checks make it much harder for the same person to be registered twice.
- It protects youVerification is what stops someone else from quietly diverting a benefit meant for you.
Whether verification is required in your case, and exactly what form it takes, is decided by the authorities and can change. We describe the purpose in general terms rather than stating what any particular process requires today. Confirm the current position through official sources.
What You Should Prepare
Have these four things in order before you attend an official application point or use an official service. Keep them with you, not on any website.
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Identity information
Know how your name and date of birth are recorded on your official documents, and check they read the same everywhere.
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Mobile access where required
Have the phone that receives your messages with you, charged and in signal. Never read an OTP out to anyone.
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Relevant documents
Carry your originals for verification, plus photocopies. See our documents guide for the usual list.
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Bank information where applicable
Know which of your accounts is linked with Aadhaar. Your branch can confirm this for you in a few minutes.
“Prepare” means know it and carry it, not type it here. There is no form on this website, and none of these details should ever be entered on this page or sent to us. Everything above belongs at an official application point only.
General Verification Process
Verification usually follows the same broad shape wherever it happens. The four stages below describe that shape only. We do not reproduce screens, button names or field-by-field instructions, because those are set by the official system and change from time to time.
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Open the relevant official service
Reach it through the official portal or application, or by visiting an Anganwadi, Setu or ward office. Never through a link in a forwarded message.
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Follow the current verification instructions
Read what the official system asks for at that moment, or let the staff at the centre guide you. Their instructions take priority over anything written here.
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Complete the required identity verification
This is where your details are matched against official records. It takes place inside the official system, never on an independent website.
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Confirm completion through the official system
Check that the official system shows the step as done, and keep any acknowledgement, receipt or reference you are given.
If the process you are shown differs from this description, follow the official process. This page is a general explanation, not a set of instructions issued by any authority.
Common eKYC Issues
Five problems come up again and again. The guidance below is general and safe to follow. Your application point can tell you what applies in your specific case.
OTP not received
An OTP is a one-time code sent to a registered mobile number. It usually fails to arrive for ordinary reasons rather than anything serious.
- Check that the phone has signal and that the message inbox is not full.
- Make sure you are using the number registered against your records, not a newer one.
- Wait a little before requesting another code, as repeated requests can cause a temporary block.
- If it still does not arrive, ask at the official centre. Never accept help from someone who calls you about it.
Details mismatch
Verification compares records automatically, so even a small difference in spelling or a wrong date will stop a match.
- Compare your documents side by side and note exactly where they differ.
- Get the incorrect record updated at the office that issued it, or at your bank branch.
- Correct the mismatch before reattempting, rather than trying repeatedly and hoping it passes.
Aadhaar linking issue
Giving your Aadhaar number to a bank when opening an account is not the same as the account being linked and enabled for direct transfers. This catches many people out.
- Ask your branch to confirm both the linking and whether the account can receive direct benefit transfers.
- Check the account is in your own name and is active, since dormant accounts also cause failures.
- Have the branch complete anything that is missing. This service is provided by the bank itself.
Technical error
Official systems can be slow or unavailable when large numbers of people are using them at once.
- Try again later rather than submitting the same thing repeatedly.
- Use the offline route at an Anganwadi, Setu or ward office if the online route keeps failing.
- Report a persistent problem through the official helpline, not to third-party websites or numbers found in messages.
Verification not completed
Sometimes a step is started but never finishes, and the applicant does not realise it is still outstanding.
- Check the status through the official system or at the centre where you applied.
- Keep any acknowledgement or reference you were given, and take it with you.
- Deal with any official request for clarification promptly, through the same official channel.
Protect Your Personal Information
Welfare schemes attract fraudsters, and verification is the moment they target, because it is the one time people expect to be asked for personal details. Knowing what should never be asked for is the strongest protection you have.
Never share these with anyone
- OTP
- Password
- Aadhaar number
- Bank account details
- ATM or card information
Do not send any of these to this website. We never ask for them, there is no form here that collects them, and nobody from this website will contact you to request them. No genuine official process asks you to read an OTP over the phone, and assistance at official centres is free.
Important Disclaimer
This is an independent informational website. It is not affiliated with, endorsed by, or operated by the Government of Maharashtra, and it has no connection to any government or banking system. This page explains eKYC in general terms and does not perform, process, check or complete verification of any kind. Verification requirements are decided by the authorities and can change at any time. Where this page and the official information differ, the official information is correct.
Start With Your Eligibility
Verification matters once you are applying. Before that, it is worth knowing whether the scheme is likely to apply to you at all.
Check Eligibility →Yes or no questions only. Runs in your browser. No Aadhaar, account numbers, OTPs or passwords requested.
eKYC Questions
eKYC means electronic Know Your Customer. It is identity verification done electronically instead of by hand: a system checks that the details you have given match official records. In welfare schemes it usually also confirms that the bank account named for payment belongs to you.
Because public money is being transferred to individuals, so it has to reach the right person. Verification confirms identity, confirms the account belongs to the applicant, and makes duplicate claims much harder. It also protects you, since it is what prevents someone else from claiming a benefit in your name.
Know how your name and date of birth appear on your documents, carry the originals and photocopies, have your registered mobile with you, and know which of your accounts is linked with Aadhaar. Prepare means carry it to the official centre, not enter it on any website.
Check that the phone has signal, that the inbox is not full, and that you are using the number registered against your records rather than a newer one. Wait a little before requesting another code. If it still does not arrive, ask at the official centre, and never accept help from someone who contacts you about it.
Records are matched automatically, so even a spelling difference can stop verification. Compare your documents, find exactly where they differ, and get the incorrect record corrected at the issuing office or your bank branch. Fix the mismatch before trying again rather than reattempting repeatedly.
No, and no independent website can. Verification happens inside official systems only. This page explains what eKYC is so you know what to expect. It has no form, collects nothing, and has no connection to any government or banking system. Any website offering to complete your eKYC should be treated as a fraud attempt.
No. This is an independent informational website. It is not affiliated with, endorsed by, or operated by the Government of Maharashtra. It does not accept applications, cannot check anyone’s status, and nothing published here is an official decision or instruction.
No. Treat it as fraud and end the call. No genuine official process asks you to read out an OTP, a password or card details over the phone, and nobody needs your ATM PIN to verify anything. If you are unsure whether a request is real, do not share anything and check at an official centre instead.
Assistance at official centres is free of charge, and your bank links your account with Aadhaar as part of its normal service. If someone asks for money to complete your verification or to fix a failed attempt, do not pay, and report it locally.
Yes. What is required, when it is required and how it is done are all decided by the authorities and revised from time to time. That is why this page stays general instead of walking you through screens that may no longer exist. Where this page and the official information differ, the official information is correct.
Related reading: how to apply, required documents and eligibility requirements.