What Is Ayushman Card eKYC?

eKYC means electronic Know Your Customer. In the Ayushman Card process, it is used to verify the identity of a person whose name appears in an eligible beneficiary record.

The beneficiary database may contain the person’s name, age, gender, family relationship and other household information. eKYC connects that beneficiary record with a verified identity document or authentication method.

Ayushman Card eKYC may be used to:

• Confirm that the applicant is the correct beneficiary
• Reduce duplicate or fraudulent card creation
• Match identity details with the beneficiary record
• Capture or verify the beneficiary photograph
• Complete the Ayushman Card creation request
• Enable card approval and download

Why Is eKYC Required for an Ayushman Card?

A family database may include several members with similar names or older demographic information. Identity verification helps ensure that the card is generated for the correct person.

Requirements Before Starting eKYC

Before starting the verification process, keep the required information and device access ready.

• An eligible beneficiary record
• Beneficiary’s Aadhaar card or accepted identity document
• An active mobile number for portal or app login
• Access to the Aadhaar-linked mobile number when using Aadhaar OTP
• Correct state and applicable health scheme
• Family ID, ration-card number, PM-JAY ID or another supported identifier
• A functioning phone camera when face authentication is available
• The beneficiary’s physical presence when face or biometric authentication is required
• A stable internet connection

Ayushman Card eKYC Methods

The authentication options displayed can vary by device, state, scheme, beneficiary category and whether the process is completed by the beneficiary or an authorised operator.

How to Complete eKYC Through the Beneficiary Portal

The portal design may change, but the general process is described below.

1. Open the official PM-JAY beneficiary portal at beneficiary.nha.gov.in.
2. Select the beneficiary login option.
3. Enter an active mobile number.
4. Complete the captcha or security verification.
5. Enter the OTP received on the mobile number.
6. Select the correct state.
7. Select the applicable PM-JAY or state health scheme.
8. Choose an available beneficiary-search option.
9. Enter the family ID, Aadhaar number, PM-JAY ID, ration-card number or another supported identifier.
10. Select the correct household from the search results.
11. Select the family member whose eKYC needs to be completed.
12. Review the displayed name, age, gender and family relationship.
13. Select the available authentication or eKYC option.
14. Complete Aadhaar OTP, face, biometric or another approved verification.
15. Capture or upload the beneficiary photograph when requested.
16. Review the information and provide consent where displayed.
17. Submit the eKYC request.
18. Check whether the status is approved, pending or requires another action.

How to Complete eKYC Through the Ayushman App

Eligible beneficiaries can also use the official Ayushman App to find their beneficiary record, complete eKYC and access an approved card.

1. Open the official Google Play Store or Apple App Store.
2. Search for the official Ayushman App.
3. Check that the application is associated with the National Health Authority.
4. Install and open the official app.
5. Select the beneficiary login option.
6. Enter an active mobile number and verify the login OTP.
7. Select the correct state and scheme.
8. Search for the family using an available identifier.
9. Open the correct household and select the beneficiary.
10. Choose the eKYC option displayed by the app.
11. Complete the available authentication method.
12. Follow the camera, face, OTP or other instructions displayed.
13. Review the beneficiary details.
14. Submit the eKYC request.
15. Check the card or eKYC status after submission.

How to Complete Aadhaar OTP eKYC

Aadhaar OTP authentication may be available when the beneficiary has access to the mobile number registered with Aadhaar.

1. Select the eligible beneficiary member.
2. Choose Aadhaar OTP as the authentication method.
3. Enter or confirm the beneficiary’s Aadhaar number.
4. Review the consent information displayed by the official system.
5. Request the Aadhaar OTP.
6. Check the Aadhaar-linked mobile phone for the OTP.
7. Enter the OTP only on the official portal or app.
8. Wait for identity authentication.
9. Review the information returned after verification.
10. Complete any photograph or family confirmation step.
11. Submit the eKYC request.

When Aadhaar OTP does not arrive

• Check whether the correct Aadhaar number was entered
• Confirm access to the mobile number linked with Aadhaar
• Check mobile network coverage
• Wait before requesting another OTP
• Check whether messages are blocked or the inbox is full
• Try another official authentication method if available

How to Complete Face Authentication

Face authentication may be displayed in the official app or an authorised verification workflow. The beneficiary normally needs to be physically present in front of the device camera.

Tips for successful face authentication

• Clean the phone camera lens
• Use sufficient natural or indoor lighting
• Keep the full face visible
• Remove a mask, dark glasses or objects covering the face
• Keep the phone steady
• Follow the position or movement instructions displayed
• Use a stable internet connection
• Allow the required camera permission for the official app

Why face authentication may fail

• Poor lighting
• Blurred camera image
• Unstable internet connection
• Face partly covered
• Incorrect beneficiary selected
• Large difference between the current face and identity photograph
• App permission or device compatibility problem

Fingerprint or Biometric eKYC

Fingerprint authentication generally requires an authorised biometric device and is commonly completed with assistance from an approved operator.

Biometric verification may be useful when:

• The Aadhaar-linked mobile number is unavailable
• Aadhaar OTP authentication repeatedly fails
• Self-verification is not supported for the selected record
• An authorised centre is processing the card
• The official system specifically requests biometric authentication

General biometric process

1. Visit an authorised Ayushman or assistance centre.
2. Provide the family or beneficiary details for record search.
3. Confirm that the operator selected the correct beneficiary.
4. Provide Aadhaar information only through the authorised system.
5. Place the requested finger on the approved biometric scanner.
6. Wait for successful authentication.
7. Review the beneficiary details displayed.
8. Complete the photograph or remaining eKYC steps.
9. Submit the request.
10. Collect any acknowledgement or status information.

How to Complete Ayushman Card eKYC Offline

A beneficiary who cannot complete self-eKYC may request help from an authorised operator.

Depending on local availability, assistance may be available at:

• An Ayushman help desk at an empanelled hospital
• An authorised Common Service Centre
• A State Health Agency assistance centre
• An authorised enrolment or card-creation camp
• Another officially designated beneficiary centre

Carry:

• Beneficiary’s Aadhaar card or accepted identity document
• Active mobile phone
• Family ID, ration card or PM-JAY beneficiary ID
• Relevant state scheme document where applicable
• Age or relationship documents when required
• The beneficiary who needs face or biometric authentication

How to Check Ayushman Card eKYC Status

After submission, the beneficiary record may display a status related to eKYC or card generation.

Steps to check status

1. Log in to the beneficiary portal or Ayushman App.
2. Select the correct state and scheme.
3. Search for the household.
4. Select the relevant family member.
5. Review the eKYC or card status shown beside the member.
6. Complete any pending action displayed by the system.

How to Redo Ayushman Card eKYC

The official beneficiary portal may display a Redo eKYC option for supported beneficiary records. This facility may help when an earlier verification needs to be completed again or corrected.

Redo eKYC may be relevant when:

• The earlier eKYC failed
• The verification status remains incomplete
• The official portal displays a Redo eKYC action
• The beneficiary photograph or authentication needs to be submitted again
• An authorised operator instructs the beneficiary to repeat verification

General Redo eKYC process

1. Log in to the official beneficiary portal.
2. Select the correct state and scheme.
3. Search for the beneficiary family.
4. Select the correct member.
5. Check whether a Redo eKYC option is displayed.
6. Review the existing beneficiary details.
7. Select an available authentication method.
8. Complete the verification again.
9. Review the updated information.
10. Submit and check the new status.

Common Ayushman Card eKYC Problems and Solutions

1. Beneficiary name is not found

Confirm the state and scheme and try another available family identifier. Search for another household member when appropriate.

2. Aadhaar OTP is not received

Confirm that the beneficiary has access to the mobile number linked with Aadhaar. Check network connectivity and wait before requesting another OTP.

3. Name or date of birth does not match

Compare the Aadhaar information with the beneficiary record. Correct the record that contains the error before repeatedly submitting eKYC.

4. Face authentication fails

Improve lighting, clean the camera lens, keep the face clearly visible and use a stable internet connection.

5. Fingerprint authentication fails

Clean and dry the finger, try another supported finger and ensure that the authorised biometric device is functioning correctly.

6. Wrong family member was selected

Stop the process and return to the household record. Select the correct beneficiary before completing identity authentication.

7. eKYC remains pending

The request may require operator or departmental review. Check the status later and contact an authorised centre when it remains pending.

8. eKYC was rejected

Review any rejection reason shown by the system. Common causes include demographic mismatch, incorrect beneficiary selection, unclear photograph or failed identity authentication.

9. App camera does not open

Check the app’s camera permission in the phone settings. Update the official app and restart the device if necessary.

10. Portal is not working

Check the internet connection, refresh the portal and try again later. Avoid using an unofficial website during an official portal outage.

What to Do After Successful eKYC

Successful eKYC does not always mean that the card-download button will appear immediately. The request may first require approval.

1. Check the eKYC confirmation displayed by the system.
2. Save any acknowledgement or reference information.
3. Review the card status for the selected beneficiary.
4. Wait for approval if the status is pending.
5. Log in again after approval.
6. Select the approved beneficiary.
7. Choose the card-download option.
8. Complete any final authentication requested.
9. Save the card as a digital document.
10. Print a copy if convenient.

Ayushman Card eKYC Safety Precautions

• Do not share an Aadhaar OTP with an unknown caller
• Do not send Aadhaar images to an unofficial social-media account
• Do not install an unofficial Ayushman APK file
• Do not enter identity details on a lookalike website
• Do not pay an agent for guaranteed eKYC approval
• Do not use another person’s face or fingerprint
• Do not provide a false family relationship
• Do not share an ATM PIN, UPI PIN, banking password or CVV
• Do not leave original documents with an unknown operator

Use only the official beneficiary portal, official Ayushman App or an authorised assistance centre. Check the website address and app developer before entering personal information.

Ayushman Card eKYC Helpline

Beneficiaries who need official support may contact the national PM-JAY helpline.

Keep the following information ready:

• Beneficiary name
• State and district
• Registered mobile number
• Family ID or PM-JAY ID, if available
• eKYC status
• Error message or problem description
• Approximate date of the eKYC attempt

Frequently Asked Questions

Final Words

Ayushman Card eKYC confirms the identity of an eligible beneficiary before card approval and download. The process can generally be completed through the official beneficiary portal, Ayushman App or an authorised operator.

Before starting, select the correct state, scheme, family and beneficiary. Keep the required identity information ready and use only the verification methods shown by the official system.

When eKYC fails or remains pending, check for demographic mismatches, use another supported authentication method or seek help from an authorised centre. Never share confidential OTPs or banking credentials with an unknown person.