Why does my government PDF show a yellow question mark?

Indian government PDFs are digitally signed using certificates from NIC, eMudhra, or other CCA India licensed authorities. Adobe Acrobat and most PDF viewers don't include India's Root Certifying Authority (RCAI) in their default trusted certificate store. So even though the signature is completely valid and legally recognised under the Information Technology Act 2000, your PDF viewer shows a yellow question mark because it cannot automatically verify the issuer. Kagazo checks your PDF against the actual CCA India trust hierarchy and gives you a copy with a permanent green tick visible on any device.

Is my document safe? Do you store my PDF?

Your PDF is processed entirely in memory during verification. We never write your file to disk, never store it on our servers, and never share it with any third party. The file is deleted from memory immediately after verification is complete. You can also verify this by checking our open source backend code.

Which documents does Kagazo support?

Kagazo supports any PDF digitally signed under India's CCA certificate hierarchy. This includes e-Aadhaar, PAN card, DigiLocker documents, ITR-V, Form 16, and all state government certificates from Tamil Nadu e-District, AP and Telangana MeeSeva, Karnataka Nadakacheri and eJanma, Kerala Sevana portal, and more.

My Aadhaar PDF is password protected. Will it work?

Yes. Enter your Aadhaar password (first four letters of your name in capital letters followed by your birth year, for example RAMA1995) in the password field that appears after you upload your e-Aadhaar PDF. We decrypt it in memory, verify the signature, and return a verified copy.

What is the difference between "Signature Valid" and "Signature Unknown"?

Signature Valid means the document is genuinely issued by the government authority and has not been modified. Signature Unknown means your PDF viewer cannot verify the certificate chain — this is a viewer configuration issue, not a problem with your document. Signature Invalid means the document may have been tampered with or re-saved after signing.

Does this work on mobile?

Yes. Kagazo is fully mobile responsive and works on any Android or iOS browser. No app installation required. Simply open kagazo.in on your phone browser, upload your PDF and verify instantly.

Reserve Bank of India (RBI) KYC Standard Format

Aadhaar + PAN Single PDF KYC Merger

Combine your Aadhaar Card (Front & Back) and PAN Card onto a single standard A4 page strictly under 200 KB or 500 KB. Formatted specifically for online bank account opening, instant personal loans, and telecom SIM card KYC.

100% In-Browser RAM Security: Your citizen identity numbers (Aadhaar & PAN) are assembled directly inside your local computer memory. Zero data is sent to our servers.

Aadhaar + PAN Single PDF KYC Merger

BANK & SIM KYC READY

Merge Aadhaar and PAN into an official vector A4 PDF strictly under 200KB or 500KB with zero cloud leaks.

Upload KYC Documents (JPG, PNG, WebP)

1. Aadhaar Card (Front)

Required for KYC

2. Aadhaar Card (Back)

Optional (Address Side)

3. PAN Card (Front)

Required for Financial KYC

Layout & Output Controls

Page Header & Formatting

Applicant / Cardholder Name (Optional)

Target File Size Budget

Card Outline

Xerox Contrast Boost: 0%

RBI 8-Digit MaskingMasks first 8 Aadhaar digits (XXXX-XXXX-1234)

Live High-Resolution A4 Sheet Preview

Upload Aadhaar & PAN Card on the Left

Cards will be automatically aligned onto an official A4 sheet with zero placeholder artifacts.

100% Client-Side Privacy: Your Aadhaar number and PAN details are merged directly inside your browser RAM. No files are ever sent to our servers.

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Bank & Financial Portal KYC Standards

2026 Rules

Portal / Institution	Document Format	Mandatory Limit	Status
State Bank of India (SBI Online)	Single PDF containing Aadhaar + PAN	< 200 KB	100% Pass
HDFC Bank InstaAccount	Both documents on single page	< 500 KB	100% Pass
ICICI Bank / iMobile KYC	Clear color scan with legible numbers	< 200 KB	100% Pass
Telecom SIM / eSIM Activation	Aadhaar (front+back) & PAN proof	< 300 KB	100% Pass
EPFO & UAN Member Portal	Consolidated KYC identity proof	< 500 KB	100% Pass

Frequently Asked Questions

Q:Why do banks require Aadhaar and PAN combined in a single PDF?

Most Indian online banking portals (SBI, HDFC, ICICI, Axis) and loan applications only have a single file upload slot titled "KYC Proof" or "Identity & Address Document". Combining both cards onto a single A4 page prevents application rejection and saves you from paying ₹50 at cyber cafes.

Q:What is RBI Masked Aadhaar and should I enable it?

According to RBI Circular RBI/2018-19/190, regulated financial entities cannot accept unmasked physical copies of Aadhaar without customer consent. Enabling "Auto-Mask First 8 Digits" automatically covers the first 8 numbers into `XXXX-XXXX-1234` format while keeping the photograph and QR code intact for official legal KYC compliance.

Q:How do I ensure the combined PDF stays strictly under 200 KB?

Kagazo includes a dedicated "< 200 KB" preset. Our intelligent canvas compressor calibrates the JPEG compression matrix and removes bloated metadata so the final A4 PDF stays comfortably between 140 KB and 195 KB without sacrificing the legibility of micro-text or card numbers.

Q:Are my sensitive Aadhaar and PAN numbers saved on your server?

Never. Kagazo executes 100% of the image cropping, layout assembly, and vector PDF encoding directly inside your local browser’s RAM memory. Zero bytes are uploaded to our servers or stored in any database.

RBI Master Direction Circular

Section 16: Officially Valid Doc (OVD)

Aadhaar + PAN together satisfy both Proof of Identity (PoI) and Proof of Address (PoA).

Aadhaar First-8-Digits Redaction

Banks cannot insist on unmasked physical copies. Toggle "Auto-Mask" for complete legal safety.

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