The use of Aadhaar and accessing of personal information of Unique Identity Authority of India (UIDAI) for e-Know Your Customer (e-KYC) purposes can only be done only on the voluntary consent of customer, the insurance regulator has said.

In a clarification on the existing circulars issued on the matter, the Insurance Regulatory and Development Authority of India (IRDAI) said that insurers can use the e-authentication facility being provided by UIDAI either through the fingerprint or iris scanning) or through one time password (OTP) received on client’s mobile number or on e-mail address registered with UIDAI.

“The information downloaded from UIDAI shall be considered as sufficient information for the purpose of KYC verification,’’ the authority said.

In case material difference is observed either in the name or the photograph in Aadhaar is not clear, the insurer should carry out additional due diligence and maintain a record of the additional documents sought.

The records of KYC information so received from customers should be maintained by the insurers, it added.