{"id":4532,"date":"2020-09-23T08:52:48","date_gmt":"2020-09-23T08:52:48","guid":{"rendered":"https:\/\/signdesk.com\/in\/?p=4532"},"modified":"2025-10-28T06:19:34","modified_gmt":"2025-10-28T11:49:34","slug":"10-things-you-need-to-know-about-rbis-vcip-video-kyc","status":"publish","type":"post","link":"https:\/\/melento.ai\/en-in\/blog\/10-things-you-need-to-know-about-rbis-vcip-video-kyc","title":{"rendered":"10 Things You Need To Know About RBI\u2019s VCIP &#038; Video KYC"},"content":{"rendered":"<h2><span style=\"color: #2c5363;\"><strong>How India has received RBI\u2019s <a style=\"color: #2c5363;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-are-the-steps-in-rbis-new-vcip\">VCIP<\/a><\/strong><\/span><\/h2>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">It has now been more than nine months since RBI released its landmark <strong><a href=\"https:\/\/melento.ai\/en-in\/blog\/rbi-permits-use-of-video-kyc-authentication\"><span style=\"font-size: 16px; font-family: 'open sans';\">notification<\/span><\/a><\/strong><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> on <a href=\"https:\/\/melento.ai\/en-in\/blog\/what-are-the-steps-in-rbis-new-vcip\">V-CIP<\/a>, allowing banks and NBFCs to use <a href=\"https:\/\/melento.ai\/en-in\/blog\/video-kyc\">video-based KYC<\/a> methods to onboard customers.\u00a0<\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Several banks have since been using <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/why-nbfcs-need-to-adopt-video-kyc-right-now\">Video KYC<\/a> to <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/why-you-should-be-onboarding-customers-with-video-kyc\"><span style=\"font-size: 16px; font-family: 'open sans';\">great results<\/span><\/a><\/strong><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><strong>,<\/strong> with nearly all of <strong><a style=\"color: #333300;\" href=\"https:\/\/signdesk.com\/\">Melento (Formerly SignDesk)<\/a><\/strong>\u2019s clients reporting significant reductions in onboarding costs, increases in efficiency, and customer acquisition.\u00a0<\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">The timely introduction of video-based onboarding has allowed several millions of people to open accounts remotely in the current pandemic-fuelled scenario.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Following the success of video KYC in the financial sector, both SEBI and IRDAI have also introduced provisions for video-based KYC in the form of <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/sebi-notification-now-allows-paperless-investor-onboarding\"><span style=\"font-size: 16px; font-family: 'open sans';\">VIPV<\/span><\/a><\/strong><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> and <\/span><strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-does-irdai-vbip-mean-for-insurers\"><span style=\"font-size: 16px; font-family: 'open sans';\">VBIP<\/span><\/a><\/strong><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">, allowing remote investor onboarding and insurance onboarding.\u00a0<\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">However, due to the novel nature of video-based onboarding, questions still abound regarding the implementation and operational aspects of <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/video-kyc\">video KYC<\/a>.\u00a0<\/strong><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Therefore, in the interest of businesses who are still on the fence about video KYC, we\u2019ve collected ten things that everyone needs to know about VCIP before going ahead and implementing <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/why-you-should-be-onboarding-customers-with-video-kyc\">video-based onboarding methods<\/a>.<\/strong><\/p>\n<h2><span style=\"color: #2c5363;\"><strong>What everyone needs to know about <a style=\"color: #2c5363;\" href=\"https:\/\/melento.ai\/en-in\/blog\/why-nbfcs-need-to-adopt-video-kyc-right-now\">Video KYC<\/a><\/strong><\/span><\/h2>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><a href=\"https:\/\/melento.ai\/en-in\/blog\/what-are-the-steps-in-rbis-new-vcip\">VCIP<\/a> was preceded by digital <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/aadhaar-based-ekyc\">Aadhaar-based KYC<\/a> verification, which involved capturing a live picture of the customer and verifying the customer\u2019s Aadhaar online. However, this method of <strong><a style=\"color: #333300;\" href=\"https:\/\/signdesk.com\/digital-kyc\">digital KYC<\/a><\/strong> was impractical and involved a Rs. 20 cost on each KYC transaction.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">The new <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-does-irdai-vbip-mean-for-insurers\">video-based KYC<\/a><\/strong> method envisages a video call between the customer and a representative from the financial institutions onboarding the customer.<\/p>\n<p><span style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Here are ten things everyone curious about <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/how-does-video-kyc-benefit-msmes\">VCIP<\/a> needs to know about this video-based KYC method.<\/span><\/p>\n<ul>\n<li style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><b>Only banks can perform online Aadhaar authentication<\/b>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">RBI\u2019s <strong><a style=\"color: #333300;\" href=\"https:\/\/www.rbi.org.in\/Scripts\/NotificationUser.aspx?Id=11783&amp;Mode=0\"><span style=\"font-size: 16px; font-family: 'open sans';\">circular<\/span><\/a><\/strong><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> on VCIP states that banks can authenticate a customer\u2019s Aadhaar either through online <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/aadhaar-based-ekyc\">eKYC<\/a><\/strong> or offline using either an XML file or QR code. The banks further must ensure that the XML file or QR code is no more than three days old at the time of <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/how-does-video-kyc-benefit-msmes\">VCIP<\/a>.<\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Registered entities performing<strong> <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-are-the-steps-in-rbis-new-vcip\">VCIP<\/a><\/strong> who are not banks can only use offline methods to authenticate a customer\u2019s Aadhaar.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Additionally, the entity performing VCIP must ensure that the customer\u2019s Aadhaar number is either blacked out or redacted for data privacy purposes.<\/p>\n<\/li>\n<li style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><b>Officials must be trained to perform <a style=\"color: #2c5363;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-are-the-steps-in-rbis-new-vcip\">VCIP<\/a><\/b>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Banks must ensure that the officials performing VCIP are given appropriate training. Additionally, the activity log and credentials of the officials performing VCIP must be preserved.<\/p>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><b>VCIP must be triggered from the domain of the financial institution<\/b>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">The process of video-based onboarding must be initiated from the web domain of the entity performing VCIP. This means that the bank or financial institution undertaking <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-are-the-steps-in-rbis-new-vcip\">VCIP<\/a><\/strong> cannot invite a customer to complete the onboarding process using a third-party service provider, and must ensure that the customer is on the entity\u2019s domain when starting VCIP.<\/p>\n<\/li>\n<li style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><b>Concurrent audit must take place on <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-are-the-steps-in-rbis-new-vcip\">VCIP<\/a><\/b>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">RBI has mandated that a concurrent auditing process accompanies VCIP. Any account created using VCIP can only be made active after ensuring that a concurrent audit has occurred.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">A concurrent audit implies that the auditing process for <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-are-the-steps-in-rbis-new-vcip\">VCIP<\/a> occurs simultaneously with the onboarding process.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><a style=\"color: #333300;\" href=\"https:\/\/signdesk.com\/\"><strong>Melento (Formerly SignDesk)<\/strong><\/a>\u2019s <strong><a style=\"color: #333300;\" href=\"https:\/\/signdesk.com\/digital-kyc\"><span style=\"font-size: 16px; font-family: 'open sans';\">digital onboarding solution<\/span><\/a><\/strong><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> ensures that the auditing process is concurrent by providing a separate auditor portal and credentials for an auditor to log in and monitor the process.<\/span><\/p>\n<\/li>\n<li style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><b>Video call must be recorded and stored\u00a0<\/b>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">The video-based interaction between the official conducting <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-are-the-steps-in-rbis-new-vcip\">VCIP<\/a><\/strong> and the customer (which consists of a randomized sequence of questions) must be recorded and stored along with the date and time-stamps.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">The storage must be done in a safe and secure manner. Additionally, the official must watch the recorded video interaction before approving the customer\u2019s KYC to ensure that the video is not pre-recorded.<\/p>\n<\/li>\n<li style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><b><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-are-the-steps-in-rbis-new-vcip\">VCIP<\/a> must be seamless &amp; secure<\/b>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/rbi-permits-use-of-video-kyc-authentication\">RBI\u2019s VCIP notification<\/a><\/strong> states that the official must ensure that the process is \u201cseamless, real-time, secured, end-to-end encrypted.\u201d<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Additionally, the official must ensure that the quality of the video interaction is of sufficient quality to allow customer identification beyond any doubt.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Our video KYC solution makes use of AI and ML techniques to provide a seamless <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/why-you-should-be-onboarding-customers-with-video-kyc\">onboarding solution<\/a> and industry-grade data security to ensure that the process is encrypted end-to-end.<\/p>\n<\/li>\n<li style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><b>Financial institutions can use AI &amp; other technology to improve VCIP<\/b>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">RBI encourages financial institutions to utilize the latest in AI and other technology to improve <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/video-kyc\">VCIP<\/a> and provide an easy-to-use and automated onboarding process to their customers.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Additionally, financial institutions must carry out security audits and validations on the <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/video-kyc\">VCIP application<\/a><\/strong> before rolling it out.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><a href=\"https:\/\/signdesk.com\/\">Melento (Formerly SignDesk)<\/a><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> offers facial recognition, automatic data extraction, verification, and document image verification to make VCIP seamless, quick, and completely automated.<\/span><\/p>\n<\/li>\n<li style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><b>Geo-tagging to determine customer location<\/b>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Geo-tagging technology is to be used to ensure that the customer is located within India during VCIP.<\/p>\n<\/li>\n<li style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><b>Financial institutions must ensure that the video is not pre-recorded<\/b>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">The official conducting VCIP must ensure that the video interaction is not pre-recorded. According to <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/rbi-permits-use-of-video-kyc-authentication\">RBI\u2019s notification<\/a>,<\/strong> this is to be done via an audio-visual interaction between the official and the customer, in the form of a sequence of randomized questions.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Additionally, the video of this interaction is to be recorded and watched at the end of VCIP by the official to be absolutely sure that the video is not pre-recorded.<\/p>\n<\/li>\n<li style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\"><b>VCIP is completely digital and paper-free<\/b>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">As envisaged by RBI, VCIP takes place entirely online and uses zero paper. This helps financial institutions significantly reduce onboarding costs due to the decreased paperwork and reduces the turnaround time for <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/why-you-should-be-onboarding-customers-with-video-kyc\"><strong>onboarding customers<\/strong><\/a> as documents are verified instantly, and officials are not required to physically interact with customers to onboard them.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">The digital nature of VCIP also allows banks and<a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/why-nbfcs-need-to-adopt-video-kyc-right-now\"> NBFCs to onboard<\/a> more customers quickly, as <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/why-you-should-be-onboarding-customers-with-video-kyc\">onboarding<\/a><\/strong> is completed within minutes\u00a0through <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/why-you-should-be-onboarding-customers-with-video-kyc\">Video KYC<\/a> and takes minimal effort on the side of the onboarding officials.<\/p>\n<h2><span style=\"color: #2c5363;\"><strong>Trusted and award-winning <a style=\"color: #2c5363;\" href=\"https:\/\/melento.ai\/en-in\/blog\/why-you-should-be-onboarding-customers-with-video-kyc\">onboarding solution<\/a><\/strong><\/span><\/h2>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Now that you know more about VCIP, it\u2019s time to see what video-based onboarding can do for your business!<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Our <span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><strong><a href=\"https:\/\/signdesk.com\/digital-kyc\">video KYC solution<\/a>\u00a0<\/strong>featuring the <a href=\"https:\/\/melento.ai\/en-in\/blog\/vipv-enabled-video-kyc-for-mutual-funds\">vipv<\/a> ML-based facial matching and data verification methods,<\/span><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> has helped 50+ major banks reduce onboarding costs by 90% and TAT by 99%. We\u2019ve also been awarded the Global Banking and Finance Review\u2019s <strong>Best KYC\/ Digital Onboarding Product of 2020<\/strong> in India.\u00a0<\/span><\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">We use ML-based facial matching and data verification methods to provide a seamless, secure, and cost-effective onboarding solution that customers find straightforward to use.<\/p>\n<p style=\"text-align: justify; font-size: 17px; font-family: 'open sans';\">Are you ready to onboard faster at significantly lowered costs? <strong>Book a demo with us now!<\/strong><\/p>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">\u00a0<\/span><\/p>\n<div align=\"center\"><a href=\"#name\"><button class=\"wpcf7-form-control wpcf7-submit envor-btn envor-btn-primary envor-btn-normal\" type=\"button\"><strong>Book a Free Demo<\/strong><\/button><\/a><\/div>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>How India has received RBI\u2019s VCIP It has now been more than nine months since RBI released its landmark notification on V-CIP, allowing banks and NBFCs to use video-based KYC methods to onboard customers.\u00a0 Several banks have since been using Video KYC to great results, with nearly all of Melento (Formerly SignDesk)\u2019s clients reporting significant [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":9622,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page_templates\/blog-new-3.php","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[21],"tags":[52,241,568,569,572,587,591,625,796,824,1352,1635,1947,1955,1956,2308,2367,2368,2369,2373,2411],"class_list":["post-4532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-v-cip","tag-aadhaar-esign","tag-bank-video-kyc","tag-digital-id-on-boarding","tag-digital-identity-verification","tag-digital-kyc","tag-digital-onboarding","tag-digital-onboarding-solution","tag-digital-stamping","tag-e-kyc","tag-ekyc","tag-identity-verification","tag-nbfc-video-kyc","tag-rbi-kyc","tag-rbi-vcip","tag-rbi-video-kyc","tag-v-cip","tag-video-based-customer-identification-process","tag-video-based-identification-process","tag-video-based-kyc","tag-video-kyc","tag-vkyc"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 Things You Need To Know About RBI\u2019s VCIP &amp; Video KYC<\/title>\n<meta name=\"description\" content=\"RBI\u2019s VCIP is transforming digital onboarding. 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