We’re excited to launch our latest product to simplify your business processes. Know More →
Industry Insurance

Verification infrastructure for insurers & TPAs.

Accelerate policyholder onboarding, verify insurance agents and PosP credentials in real time, and eliminate ghost claims with automated vehicle RC, DL, and medical bill OCR verification under strict IRDAI master circular compliance.

Get API Access Talk to a specialist
IRDAI compliance readinessAUDIT-READY
Policyholder eKYCAadhaar, DigiLocker & PAN verifiedInstant
Agent & PosP licensingAuthorized intermediary checksVerified
Motor claims vehicle validationVahan RC, chassis & engine matchMatched
Fraud & AML sanctionsPEP & FIU-IND blacklist screeningPassed
Policy issuance turnaround
3 days → under 90 sec
The regulatory reality

What IRDAI & statutory auditors inspect.

Three compliance pillars dictate underwriting, distribution, and claims processing across life and general insurance in India.

IRDAI KYC Master Direction

Mandatory KYC for all policies

IRDAI mandates 100% digital KYC for all general and life policies irrespective of premium amount, requiring flawless Aadhaar, DigiLocker, and PAN validation.

IRDAI Intermediary Guidelines

Intermediary & PosP licensing

Ensure corporate agents, brokers, surveyors, and point-of-sales persons hold valid licenses with verified PAN, Aadhaar, and IRDAI registration credentials.

PMLA & Anti-Fraud Norms

Claims integrity & AML audit

Real-time PEP watchlist screening on high-sum-assured contracts and automated asset verification to prevent staged claims and premium laundering.

The cost of the status quo

Where insurance carriers leak margin and time.

Manual paperwork, disconnected portals, and forged documents introduce delay, customer drop-offs, and high fraud payout ratios.

High drop-off in policy onboarding

Asking customers to upload physical copies of PAN, Aadhaar, and bank passbooks causes up to 34% drop-off in direct digital insurance funnels.

Motor & health claim leakage

Staged motor accidents, falsified chassis numbers, doctored hospital bills, and phantom claims cost Indian insurers thousands of crores annually.

Unverified agent distribution

Onboarding thousands of channel partners without automated background and license verification leads to regulatory non-compliance penalties.

From problem to resolved state

Straight-through processing for every policy.

RPACPC automates underwriting verification, distributor onboarding, and claim authentication with authoritative data APIs.

Sub-2-minute policy issuance

Instant DigiLocker eKYC, PAN validation, and face match enable true straight-through digital insurance issuance.

Zero-fraud motor claims

Direct Vahan API integration checks RC ownership, vehicle make/model, chassis number, and blacklisted challans instantly.

Automated PosP compliance

Verify insurance agent licenses, surveyor certifications, and PAN affiliations in bulk before paying commissions.

Instant claim settlement payouts

Penny-drop bank account validation ensures claim disbursements land in the verified policyholder's bank account.

Primary use cases

Where insurance leaders put RPACPC to work.

Battle-tested workflows spanning customer acquisition, distributor network governance, and claim settlement.

Digital policyholder KYC

Frictionless eKYC via DigiLocker, Aadhaar XML, and PAN validation matching IRDAI guidelines.

Motor vehicle & RC underwriting

Fetch complete RC details, owner serial, hypothecation status, and fitness validity before policy bind.

Agent & broker onboarding

Verify IRDAI agent license status, PAN, educational documents, and bank payout details in minutes.

Claim invoice OCR & fraud check

Intelligent document OCR extracts hospital bills, discharge summaries, and repair estimates to detect anomalies.

Policy issuance workflow

One continuous pipeline from proposal to active cover

How leading insurtechs and carriers issue compliant policies with zero manual touchpoints.

1

Instant policyholder eKYC

Verify Aadhaar via DigiLocker and PAN validation against NSDL in under 5 seconds.

2

Asset or medical validation

Check vehicle registration on Vahan or extract medical declarations using automated OCR.

3

AML & PEP sanctions clearance

Screen policyholder against national watchlists to prevent high-value premium money laundering.

4

Generate audit-proof trail

Write an immutable, timestamped record compliant with IRDAI regulatory inspection requirements.

Outcome per proposalACTIVE
Policyholder identityDigiLocker & PAN verifiedPASS
Insured asset checkVahan RC & hypothecation clearVALID
AML / PEP checkSanctions lists negativeCLEARED
IRDAI compliance logTamper-evident audit recordARCHIVED

Issuance speedup
72 hrs → 60 seconds
FAQ

Frequently asked questions

Answers to the questions compliance, risk and engineering teams ask most before integrating RPACPC.

Still have a question? Talk to an expert
What is RPACPC?
RPACPC is India's verification infrastructure platform — a single API layer covering 8 suites and 100+ endpoints for identity, business, employee, vehicle, GST, document, banking and tax verification.
How long does integration take?
Most teams go from sandbox to a working integration in a single sprint. Every API shares the same request and response structure, so adding a second or third verification doesn't mean learning a new contract.
Is RPACPC compliant with RBI and DPDP requirements?
Yes. RPACPC is built on DPDP-aligned infrastructure with enterprise-grade security, multi-factor authentication and secure data handling — with a timestamped, auditable record for every verification call.
Can I test the APIs before going live?
Yes — the Client Console gives you a sandbox to review real request and response structures, run test calls and validate your integration before switching to production keys.
Do I need separate integrations for every suite?
No. All 8 suites — KYC, KYB, KYE, KYV, GST, OCR, Banking and Tax — sit behind one API key and one unified contract, so you connect once and add suites as you need them.
What kind of support do you provide?
Every plan includes integration support from our engineering team, plus access to the Client Console for monitoring usage, billing, testing and platform health from one dashboard.
How is pricing structured?
Pricing is usage-based per verification call, with Growth and Enterprise plans that unlock additional suites and volume discounts. See the pricing page for full details.

India's verification infrastructure is already here.

Empower your applications with India's Enterprise Verification Intelligence Platform for faster, more reliable verification.

Get API Access Talk to a specialist