Create or update individual resident KYC with PAN —
no DigiLocker. Photo ID + PAN + Indian address → liveness → geo-tagged V-CIP → e-Sign → review → KRA.
No DigiLocker path. PAN is verified via Cashfree PAN Lite when Secure ID keys are configured (else format + name).
Upload PAN + Aadhaar copies → liveness → geo V-CIP → OTP eSign → maker-checker.
Aadhaar image OCR is first-party (not DigiLocker XML); admin reviews copies.
Have DigiLocker? Use /kyc/cfp-kyc instead.