One of the most hidden and most powerful features is VID, a 16-digit temporary code that you can use everywhere instead of your actual Aadhaar number.
Why this matters
You can use VID for:
- Bank KYC
- Mutual fund KYC
- Insurance verification
- Digital payments
- Demat account opening
- Loan applications
Because VID keeps changing, it protects your actual Aadhaar number, increasing your privacy and data protection, reducing the risk of identity theft.
To generate a VID, go to the UIDAI website → “Virtual ID” option.
Where You Can Use Aadhaar VID
VID works in almost all sectors where Aadhaar KYC is required, such as:
- Bank KYC / Re-KYC (SBI, HDFC, ICICI, Axis, PNB, etc.)
- Credit cards and loan applications (NBFCs, fintech apps)
- Investment accounts (Mutual Funds, Demat, Stock Brokers like Zerodha, Groww)
- Insurance policies (Life, Health, Motor)
- Digital payment apps (UPI apps, Wallets, Payment Banks)
- SIM card purchase (some telecom operators accept VID)
- eNPS, EPFO KYC updates
- Utility service verification (gas, electricity, broadband in some regions)
Using VID instead of Aadhaar number gives you an additional shield of bank-level security.
How to Generate Aadhaar VID (Very Easy)
You can generate or regenerate VID anytime through:
1. UIDAI Website
- Visit UIDAI
- Go to Virtual ID (VID) Generator
- Enter Aadhaar number → OTP → Generate VID
2. mAadhaar App
- Open the app
- Go to Services
- Tap VID Generator
3. SMS Method (For Older Phones)
Some registered Aadhaar users can generate VID via SMS (availability varies).
How VID Protects Your Financial Identity
VID is extremely valuable for people who regularly use digital services such as:
- Online banking
- Credit score checking
- Loan comparison websites
- Investment platforms
- Trading apps
- Insurance premium calculators
- Tax and fintech portals
