Is FinHub's video KYC a V-CIP?

Not on its own. Intelli VKYC collects identity, PAN and liveness evidence remotely and leaves the decision to your reviewer, but the session is not a live call with your official. The table on this page shows each V-CIP requirement, what FinHub covers and what stays with you.

Where does Intelli VKYC fit, then?

In journeys where a live V-CIP is not mandated, and as evidence collection before a call: an applicant who fails liveness or the India-IP check never reaches your official's queue.

How long must V-CIP records be kept?

The KYC Directions require records to be kept for at least five years after the business relationship ends. For personal data, the DPDP framework applies alongside, so set retention deliberately with your compliance team.

Video KYC and RBI V-CIP: What FinHub Covers

FinHub Verify · Video KYC

Every video KYC vendor says it is RBI compliant. Here is each V-CIP requirement in the 2025 KYC Directions, what FinHub's video KYC does about it, and what stays with you.

Book Demo

See Intelli VKYC

Session

Applicant

From a link

Reviewer

Your auditor

Verify

intelli-vkyc · self-recorded

Customer, alone · any hourRec

India IP, VPN and camera checks · consent recorded

Aadhaar fetched from DigiLocker

PAN card captured · fields read by OCR

Liveness · wave, blink, head turn

Queued for your auditor's decision

For journeys that don't require a live official

The map

What V-CIP Asks, and Who Does It

A plain summary of each requirement, not the regulation's text. Read the Directions for your entity type before you rely on it.

A live audio-visual interaction, run by an official of the regulated entity trained for V-CIP
FinHub video KYC
Not provided. Applicants complete the session alone; your reviewer decides afterwards.
Stays with you
Run the live call with your own trained officials, or use Intelli VKYC only where V-CIP is not required.
Infrastructure and data under the regulated entity's ownership; on cloud, the technology provider retains no data
FinHub video KYC
Recordings, images and case data are stored in FinHub's AWS account in the Mumbai region.
Stays with you
Where V-CIP applies, agree with us how the data moves to servers you own or lease before go-live.
Connections from outside India, and spoofed IP addresses, blocked
FinHub video KYC
India-only IP check and VPN detection before a session starts.
Stays with you
Review the check as part of your own security testing.
Live GPS geo-tag, with date and time stamp, on the recording
FinHub video KYC
Location is checked by IP address. The flow does not capture a GPS geo-tag today.
Stays with you
Capture the geo-tag in your V-CIP flow.
Liveness and spoof detection, and face matching
FinHub video KYC
Liveness from three prompted actions, each scored. No automatic face match: the reviewer compares photos.
Stays with you
Add FinHub's Face Match API, or your own, where an automated match is required.
Identity from Aadhaar OTP e-KYC, offline Aadhaar, CKYCR or DigiLocker, with the Aadhaar number redacted
FinHub video KYC
eAadhaar from DigiLocker with the applicant's consent; reviewers see a masked Aadhaar number.
Stays with you
Choose the identification source your policy requires.
A PAN image captured, unless e-PAN is used
FinHub video KYC
The PAN card is captured by the rear camera and its fields read by OCR.
Stays with you
None beyond your review.
Consent recorded in an auditable, alteration-proof way
FinHub video KYC
Consent to recording is taken at the start of every session and kept with the case.
Stays with you
Your consent notice and the purposes it covers.
Security audit and VAPT by CERT-In empanelled auditors before roll-out and periodically
FinHub video KYC
Ask us for the current status and reports during your vendor review.
Stays with you
Commission the audit of your V-CIP set-up.
Accounts made operational only after a concurrent audit
FinHub video KYC
Every case, its evidence and its decision are available to your auditors in the admin portal.
Stays with you
Run the concurrent audit.

RBI V-CIP requirements, what FinHub’s video KYC provides, and what stays with the regulated entity
V-CIP requirement (summary)	FinHub video KYC	Stays with you
A live audio-visual interaction, run by an official of the regulated entity trained for V-CIP	Not provided. Applicants complete the session alone; your reviewer decides afterwards.	Run the live call with your own trained officials, or use Intelli VKYC only where V-CIP is not required.
Infrastructure and data under the regulated entity's ownership; on cloud, the technology provider retains no data	Recordings, images and case data are stored in FinHub's AWS account in the Mumbai region.	Where V-CIP applies, agree with us how the data moves to servers you own or lease before go-live.
Connections from outside India, and spoofed IP addresses, blocked	India-only IP check and VPN detection before a session starts.	Review the check as part of your own security testing.
Live GPS geo-tag, with date and time stamp, on the recording	Location is checked by IP address. The flow does not capture a GPS geo-tag today.	Capture the geo-tag in your V-CIP flow.
Liveness and spoof detection, and face matching	Liveness from three prompted actions, each scored. No automatic face match: the reviewer compares photos.	Add FinHub's Face Match API, or your own, where an automated match is required.
Identity from Aadhaar OTP e-KYC, offline Aadhaar, CKYCR or DigiLocker, with the Aadhaar number redacted	eAadhaar from DigiLocker with the applicant's consent; reviewers see a masked Aadhaar number.	Choose the identification source your policy requires.
A PAN image captured, unless e-PAN is used	The PAN card is captured by the rear camera and its fields read by OCR.	None beyond your review.
Consent recorded in an auditable, alteration-proof way	Consent to recording is taken at the start of every session and kept with the case.	Your consent notice and the purposes it covers.
Security audit and VAPT by CERT-In empanelled auditors before roll-out and periodically	Ask us for the current status and reports during your vendor review.	Commission the audit of your V-CIP set-up.
Accounts made operational only after a concurrent audit	Every case, its evidence and its decision are available to your auditors in the admin portal.	Run the concurrent audit.

Source: RBI, Know Your Customer Directions, 2025, read on 14 November 2026. The V-CIP requirements are at paragraph 27 for commercial banks and NBFCs, paragraph 28 for small finance banks and paragraph 26 for urban co-operative banks:

FAQ

Video KYC and V-CIP, Common Questions

What V-CIP is, where FinHub fits, and which paragraph applies to you.

The Video-based Customer Identification Process: RBI's method for identifying a customer remotely through a live, consent-based audio-visual interaction with an official of the regulated entity, treated on par with face-to-face identification. Since 28 November 2025 its requirements sit in RBI's Know Your Customer Directions, 2025, issued separately for each type of regulated entity.

Explore More