The rule that bites, the documents you hold, the edition that fits
Every regulated sector collects Aadhaar copies through a different door and answers to a different circular. The engine is the same; the fit is not.
Who we built it with
NBFCs and housing finance
Every loan file holds a card. Most hold it unmasked.
A home loan file runs to tens of pages: the application, the KYC set, the sanction letter, the sale deed, bank statements. The Aadhaar number sits on the card and again in the deed's text, in Hindi as often as English. RBI's KYC Directions put the duty to redact on the lender, and the archive is where the risk lives.
Read moreBanks and co-operative banks
The regulator says "ensure". The branch has a photocopier.
Account opening, V-CIP recordings, locker agreements, loan files: a bank's Aadhaar copies arrive through many doors and end up in several systems. RBI's 2025 Directions keep the duty on the bank and want exception records available for review. Co-operative banks carry the same duty with smaller teams.
Read moreInsurers
More than the last four digits, stored anywhere, is a finding.
IRDAI's circular is the strictest wording of all: at no point in time may more than the last four digits of an Aadhaar number be stored, on paper or on disk. Proposal forms, claims files and agent uploads all carry cards, and policyholder data has been the subject of India's largest 2024 breaches.
Read moreFintech and KYC operations
Your clients' compliance is now yours too.
KYC processors, lending service providers and BPO teams handle documents for many regulated clients at once. RBI's Digital Lending Directions limit what a service provider may store and where, and every client audit asks the same question: show us the masking. A measured accuracy figure is an answer; a vendor's marketing line is not.
Read moreJudge it on one of your own files
Send a card photo, a scan or a short PDF and get it back masked by the production engine, with a per-page record of what was covered. Or book thirty minutes with a HabileLabs engineer to see it on your document types and plan a deployment in your AWS account.
Or email support@habilelabs.io · Monday to Friday, 10:00–19:00 IST (excluding public holidays)