Video KYC (वीडियो केवाईसी)
Video KYC (formally V-CIP, the Video-based Customer Identification Process) is an RBI-permitted way to complete full KYC over a live, recorded video call where an agent verifies your face, PAN and liveness. It counts as full KYC — equivalent to visiting a branch — so the OTP-e-KYC loan caps do not apply.
Worked example
On a 3-minute video call you show your PAN card, answer a couple of questions, and the agent captures your live photo with location on. Full KYC done — the lender can now disburse beyond OTP-KYC limits.