Step 1 checks PAN format only (shows pending).
Realtime PAN verification is via DigiLocker PANCR (Income Tax record) in step 3.
Aadhaar still needs Offline XML/ZIP (or DigiLocker e-Aadhaar if enabled).
2. Verify mobile & email (OTP)
Required before KRA push. Demo OTP is returned in the API response until SMS/email gateway is wired.
3. Verify PAN via DigiLocker (realtime)
Opens MeriPehchaan / DigiLocker OAuth and pulls the PAN Verification Record (PANCR)
from Income Tax in realtime. Format-only PAN stays pending until this succeeds.
Consent to share PAN when prompted.
4. Aadhaar (SEBI / KRA)
PAN must already show DigiLocker verified above. For Aadhaar, upload
Offline Aadhaar XML/ZIP (UIDAI signed). Manual typing is not accepted.
DigiLocker e-Aadhaar is used automatically when your partner app returns it.
4. MITC / agreement + IPV + signature
Most Important Terms and Conditions (MITC)
I/We confirm that the KYC details provided are true and complete. I/We authorise Params Data Provider Pvt Ltd
(PredictRAM) / the SEBI-registered intermediary to collect, verify, and transmit my KYC documents
(including PAN, masked Aadhaar / Offline e-KYC XML, photograph, IPV evidence, and contact authentication logs)
to KFintech KRA for registration / modification. I/We understand that the first 8 digits of Aadhaar will remain
masked and only the last 4 digits may be visible. I/We consent to digital IPV (geo-tagged / time-stamped live photo)
and OTP authentication of mobile and email. I/We accept the intermediary’s research / advisory terms applicable
to this onboarding. This electronic acceptance constitutes my agreement to the MITC.
Live IPV photograph
Geo: requesting browser location…
Wet signature
5. Preview packs · download all KRAs · push KFin
KFin official batch ZIP (SFTP):
{INH}_{YYYYMMDD}_{SEQ}.zip with
KFIN_KYC_DATA.txt + PAN/POA/XML/IPV/APP. All-KRA ZIP also includes CVL tilde flat file + CAMS/NDML/DotEx portable CSV/JSON.
If SFTP write is denied, Push auto-records UNDER_PROCESS (demo) and shows on admin dashboard. CVL/CAMS/NDML/DotEx are download-for-portal until their SFTP is wired.