- In cases where a borrower’s Aadhaar isn’t linked to their mobile number, are other
modes of eSign legally valid?
Yes, the IT Act allows for a wide variety of electronic signing:
- Alternative Aadhaar eSign options like Biometric, IRIS, and Face are identical to
Aadhaar OTP in the eyes of the law
- Non-Aadhaar options like OTP based Secure Virtual Sign are valid for all
agreements where a “sign” is not specifically mentioned under law. 99% of loan
agreements fall under this category
- What can we do when a borrower’s Aadhaar isn’t linked to their mobile, so the
Aadhaar OTP eSign fails?
Don’t depend on just one eSign method. If that method fails, your entire signing journey
fails, and branches are forced to revert to paper.
Instead, implement a cascading eSign flow with multiple options, so the borrower can
still complete signing in one sitting. For example:
1. Borrower attempts Aadhaar OTP
2. If it fails, offer Aadhaar biometric
3. If that fails, offer Aadhaar face/iris
4. If Aadhaar modes are unavailable or failing (e.g., downtime), route to a secure
non-Aadhaar signing option like secure virtual sign
This approach reduces drop-offs and prevents exception cases from automatically
becoming physical.
Read more about Leegality eSign reliability
- Our vendor claims they have backup ESPs for UIDAI downtime, but switching is
slow and ticket-based. How do we stop signing from pausing?
A manual backup (raise a ticket → wait → follow up) doesn’t solve downtime in practice.
UIDAI or an ESP might be down for 30–60 minutes, but ticket-based switching often
takes hours. During that window, branches either make borrowers wait, reschedule, or
revert to paper, creating operational leakage.
What you need is automatic ESP routing that -
● Continuously track the success rate of each ESP
● Automatically route each signing attempt to the best-performing ESP.
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