eSign, eStamping, KYC, and digital agreements for Indian fintech
Digio occupies a unique position in Indian fintech infrastructure — it's the only platform that combines legally valid eSign (Aadhaar-based and OTP-based), eStamping (state-specific stamp duty collection), KYC verification, and digital agreement management in one integrated workflow. Where Signzy and HyperVerge focus on identity verification, Digio's real strength is the complete loan agreement or insurance policy journey: KYC → document generation → eStamp → eSign → storage. For lending, insurance, and wealth management products, this end-to-end stack eliminates 3–4 separate vendor integrations.
Digio is a Bengaluru-based digital agreement and KYC platform founded in 2016. Unlike pure KYC vendors (Signzy, HyperVerge) that focus on identity verification, Digio's core is legally binding digital documentation — the infrastructure layer for loan agreements, insurance policies, mutual fund mandates, and any regulated financial document that requires a valid digital signature and stamp duty collection.
India has a complex digital signature landscape: Aadhaar-based eSign (legally equivalent to physical signature under IT Act), OTP-based eSign (lighter compliance requirement), and paper-based physical signatures for certain document types. Digio handles all three, plus eStamping — the state-specific digital stamp duty requirement that makes loan agreements and property documents legally enforceable.
For product managers at Indian lending or insurance startups, Digio's value proposition is operational: instead of integrating separate eSign, eStamp, KYC, and document storage vendors, Digio provides one API that sequences all steps in a configurable workflow. One Digio integration replaces what would otherwise require 3–4 vendor relationships, separate legal reviews, and 8–12 weeks of engineering work.
Legally valid Aadhaar-based electronic signatures compliant with IT Act 2000. Supports both Aadhaar OTP-based signing (lower friction) and biometric signing (higher security). Required for RBI-regulated lending agreements and insurance policy issuance.
Digital stamp duty collection across 22+ Indian states — loan agreements, lease deeds, and power of attorney. Digio manages state-specific stamp paper procurement and integration with Stock Holding Corporation of India (SHCIL). Eliminates physical stamp paper handling entirely.
Configure multi-party signing workflows — loan agreements with borrower + co-borrower + guarantor + lender all signing in sequence. Auto-reminder triggers, expiry policies, and bulk signing for high-volume NBFC disbursement operations.
Tamper-proof storage with complete audit trail — who signed, when, from which IP, with what authentication method. Critical for fintech regulatory audits, NBFC inspections, and insurance company IRDAI compliance reviews.
Loan agreement generation → eStamp → Aadhaar eSign for borrower + co-borrower → store. Reduces loan disbursement TAT from 3–5 days (physical) to same-day digital.
Policy document → IRDAI-compliant eSign → secure delivery to customer. Eliminates courier costs and the 5–7 day wait for physical policy documents.
Account opening form + KYC + eSign in a single mobile-optimised flow. Compliant with SEBI's digital onboarding guidelines.
Rent agreement with eStamping + eSign for landlord and tenant. High demand in Tier 1 Indian cities where digital rent agreements are becoming standard.
Digio charges per transaction. INR billing. No public pricing — negotiated based on document types, volume, and eStamping requirements per state.
Aadhaar OTP-based eSign for simple agreements. Low volume (under 1,000 signs/month) starts at ₹15–20/sign. Volume pricing kicks in above 5,000 signs/month. Most affordable entry point for teams starting with digital agreements.
eStamping cost depends on state and stamp value — separate from Digio's platform fee. Digio's fee for eStamp facilitation is ~₹30–50/document on top of stamp duty. Full loan agreement journey (eStamp + eSign + storage) typically ₹80–150/disbursement.
For 50,000+ transactions/month. Volume discounts, dedicated API infrastructure, SLA guarantees. Large NBFCs and insurance companies with high disbursement volumes negotiate significant per-transaction discounts at this tier.
💡 Build vs buy calculation: Building eSign + eStamping infrastructure in-house requires 3–6 months of engineering time, ₹20–30 lakhs in development cost, and ongoing maintenance. Digio at ₹80–150/document with 1,000 monthly disbursements costs ₹80,000–150,000/month — significantly cheaper than building until you reach very high volumes.
Better if KYC accuracy is the primary requirement. Doesn't do eStamping. Use Signzy when identity verification quality matters more than document workflow integration.
Best-in-class face match accuracy (99.5%+). API-first. No eStamping or eSign. Best for fintech teams that prioritise identity verification accuracy over document management.
eSign-focused platform, strong for non-fintech digital agreements (HR, legal, real estate). Less fintech-specific than Digio. Better if your primary use case is non-regulated document signing.
We help fintech product teams design compliant digital onboarding and agreement workflows — from KYC vendor selection to eSign integration.
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