What is Video KYC (vKYC)?

VKYC, known by the Reserve Bank of India as Video-based Customer Identification Process (V-CIP), verifies a customer through a live, consent-based and recorded video call with a trained official and is treated as equivalent to face-to-face identification when compliant. RBI’s KYC Directions, 2025 place V-CIP rules in paragraphs 26 and 27, permitting it for onboarding, converting certain Aadhaar OTP e-KYC accounts, and KYC updates while requiring secure infrastructure, encryption, India-based storage, geotagged and timestamped recordings, clear video, liveness and face matching, audit trails, and fresh sessions after disconnections. The process combines digitally obtained identity information, such as Aadhaar, CKYCR, or DigiLocker records, with a live interview, PAN verification, location capture, and subsequent audit approval. Compared with Aadhaar OTP e-KYC, VKYC can support full-KYC onboarding without specified account limits, while physical KYC remains an alternative for customers unable to use video. Common failures include dropped calls, poor connectivity, blocked camera or location permissions, foreign or spoofed IP addresses, expired Aadhaar files, document issues, and failed liveness checks. VideoSDK is presented as a provider of the video infrastructure for these flows, including calling, recording, encryption, location controls, network handling, and storage integration, while banks or specialist vendors remain responsible for identity verification, liveness detection, face matching, and regulatory audits.

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