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Home / Health Insurance / Articles / ABDM / ABHA Card / Comprehensive Guide to DigiLocker: What is DigiLocker and How to Use it?

Comprehensive Guide to DigiLocker: What is DigiLocker and How to Use it?

TeamAckoFeb 2, 2024

Digilocker is one of the initiatives by the Indian Government that contributes to taking India towards a digital transformation. Under the Ministry of Electronics and Information Technology, Digilocker is a flagship program that aims to empower the knowledge economy of the country.

Aimed at eliminating the use of physical documents, it is a public cloud platform which enables paperless governance. Read further to know more about Digilocker, along with its benefits, uses and other details.

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Contents

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What is a DigiLocker?

As the name suggests, DigiLocker is a digital locker that allows you to store all your essential documents virtually. Hence, it is a cloud-based storage where you can keep and carry your documents digitally anywhere anytime.

You can use those e-copies of documents for verification purposes in government authorities registered with DigiLocker, who can then access those scanned copies for reference.

Besides, each citizen who opted for DigiLocker is given a cloud storage of 1 GB. You can download the DigiLocker app on your device and store your documents such as insurance policies, Aadhaar Cards, Voter IDs, PAN cards etc. using the e-sign facility.

With a unique PIN to have access to your DigiLocker, it is a safe and paperless way to secure your documents efficiently.

How is DigiLocker Beneficial?

DigiLocker is highly beneficial for Indian citizens. Given below are some of the benefits of DigiLocker:

  • It is a flexible option that allows you to access your documents from anywhere anytime in a paperless way.

  • It reduces the risks of financial fraud since the documents are stored in a secure manner and are directly issued by the registered issuers.

  • It enables real-time verification through which government agencies can verify such data from the issuers.

  • Insurance policyholders can get a quick turnaround time for insurance services.

  • It is also beneficial for government agencies to lower the use of paper for administrative work.

How to Open DigiLocker?

You can create your DigiLocker in a few simple and hassle-free steps given as follows:

  1. Go to the official website of Digilocker.

  2. Click on the DigiLocker “sign-up” option on the top right corner of the home page.

  3. Fill in a few details such as your full name, mobile number, date of birth, email ID etc.

  4. Create a security PIN for your DigiLocker account. You must ensure to create a strong PIN.

  5. Fill in the 12-digit number of your Aadhaar Card in the required place.

  6. Between the two options, OTP or Fingerprint, choose either of them according to your convenience to proceed.

  7. Once done, click on the “Sign-up” option, after which you can see a dashboard screen, implying you have successfully created your DigiLocker Account.

How to Upload Documents on DigiLocker?

Once you have successfully created your DigiLocker account, you can start uploading your essential documents to keep it secured, in the following steps:

  1. Go to the official website of Digilocker. You can also log in to the Digilocker mobile app using your username and password.

  2. Click on the "Upload" option. Select the files you would like to upload.

  3. You can select multiple files at the same time by clicking on the “open” option.

  4. Click on the "Select Document Type" tab, where you will get a few options. You can choose the "others" option if your documents do not match the options given.

  5. Click on the “Save” button.

How to Upload Your ACKO Bike Documents in Digilocker?

  1. Visit the official website of Digilocker.

  2. Sign in to your account with your username and password.

  3. Navigate to the "Get the Document" or "Banking and Insurance" options. You can choose any one of them and click on it.

  4. Go to the “ACKO General Insurance Ltd.” and select the “Two Wheeler” option.

  5. Fill in your ACKO bike insurance policy number and your mobile number.

  6. The system will automatically fetch your policy document and save it in your account.

  7. You can then go to the “Issued Documents” option to access your policy document from there.

Final Words

Overall, technologies have significantly advanced the way we used to process data, and Digilocker is one of the prime examples of it. It is a safe and secure option to store your documents, which allows you the flexibility to access these from anywhere in a paperless and hassle-free way.

Moreover, it reduces the risks of fraud for insurance policyholders, lowering the processing and settlement time. Hence, it is a secure option to go for, especially for policyholders. So, create your DigiLocker and upload your documents today.

Frequently Asked Questions (FAQs)

Given below are some of the most commonly asked questions about DigiLocker:

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How can I download DigiLocker online on my mobile?

You can download it in the following way:

  • Visiting the Google Play Store from your device. 
  • Search for a DigiLocker download.
  • Download it on your mobile and install it.
     

Do I need to pay any fee for availing DigiLocker service?

Currently the DigiLocker service is available for free. However citizens may be charged a fee for availing DigiLocker service in the future.

Are there any file size and formatting guidelines to follow while uploading documents in DigiLocker?

Yes, there are a few formatting guidelines like: 

  • File size - not more than 1 MB, and it should be only among 
  • Formats Supported - PDF, GIF, PNG, JPG, JPEG, and BMP
     

Can I use my fingerprint in the sign-in process?

Yes, you can select the “fingerprint” option. You need to put your finger on your device. You must hold your finger till the device completes reading.

What are the key features of DigiLocker?

Some of the key features of DigiLocker are digitally signing, sharing e-documents online, online storage facility, safety and security features etc.

What are the security features of DigiLocker?

Some of the security features of DigiLocker are 256 Bit SSL Encryption, Mobile Authentication sign, ISO 27001 certified data center, security audit, timed log out, data redundancy etc.

Is DigiLocker login with an Aadhaar number mandatory?

Linking your DigiLocker account is mandatory, however, logging in with your Aadhar number is not. Alternatively, you can go for Digilocker login with password and username.

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