Why Aadhaar eSign flows fail in Priority-Sector Lending

And not on the on-ground problems the flow will face. So even 6 months after go-live, 90% of paperwork is still done physically — making eSign a cost center.

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For priority sector lending, this hits harder.

JLG signature collection stretches timelines by days.

In gold loans, physical paperwork offers no auditable proof that the borrower was present during valuation.

And 70% of farmers who rejected KCC loans cited the paperwork itself — lengthy forms and long travel to branch — as the reason (NABARD, 2024).

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In this webinar recording, you will see: