Traditional Stamping vs E-Stamping

The stamp, once a ubiquitous symbol of officialdom, is facing a modern challenge: the rise of eStamping. This digital revolution in document authentication offers convenience and security in stark contrast to the traditional methods of physically procuring and affixing stamps. But is eStamping truly the vanguard, or does the old guard of paper and ink still hold its ground? Let’s delve into a comparative analysis, weighing the pros and cons of each approach.

Traditional Stamping Methods

For centuries, physical stamps have been the trusted guardians of document integrity. Their tangible presence, with embossed seals and watermarks, offered a sense of security and tamper-proof validation. The process is familiar: visit a stamp vendor, purchase the required denomination based on document value, and meticulously affix the stamp. While this method is deeply ingrained in legal and financial systems, it comes with its own set of pros and cons.


Tangible evidence: Physical stamps offer a tangible element, providing a sense of security and ease of verification for some users.

Accessibility: Traditional stamps are readily available in most locations. This makes them accessible even in areas with limited internet connectivity.

Familiarity: The method is well-understood by older generations accustomed to paper-based transactions.


Time-consuming: Acquiring stamp paper, calculating stamp duty, and affixing stamps can be time-consuming, especially for complex documents.

Prone to errors: Manual calculations and affixing stamps leave room for human error, potentially invalidating documents.

Security concerns: Counterfeiting and forgery of physical stamps pose security risks, raising concerns about document authenticity.

Environmental impact: Paper production and transportation associated with physical stamps contribute to environmental degradation.


eStamping, on the other hand, leverages the power of the internet to revolutionize document authentication. Instead of physical stamps, documents are electronically stamped through secure online platforms. The process involves selecting the required denomination, paying electronically, and downloading a digital stamp certificate. This certificate is then embedded within the document, ensuring its authenticity and validity.


Convenience: eStamping can be done anytime, anywhere, from the comfort of one’s home or office.

Speed and efficiency: The process is significantly faster, generating eStamp certificates in minutes compared to the hours or days it can take with physical stamps.

Security: eStamp certificates are encrypted and tamper-proof, minimizing the risk of fraud and forgery.

Transparency and auditability: The entire eStamping process is digitally recorded and easily traceable, enhancing transparency and accountability.

Environmental benefits: eStamping eliminates the need for paper production and transportation, contributing to a more sustainable future.


Digital dependence: Users require internet access and basic computer literacy to utilize eStamping platforms.

Initial learning curve: Familiarity with the eStamping process may require initial training or support, particularly for non-tech-savvy users.

Potential technical glitches: While rare, technical issues with eStamping platforms could temporarily disrupt document validation.

The adoption of eStamping is rapidly gaining momentum. In India, for instance, eStamping has witnessed a remarkable rise since its implementation in 2011. Statistics reveal that in 2022-23, over 85% of stamp duty collections were through eStamping, showcasing its growing popularity and efficiency.

Furthermore, the Indian government estimates that eStamping has saved over Rs. 10,000 crores in printing costs and revenue leakage since its inception. This translates to significant financial savings for the government and a more efficient allocation of resources.

The Path Forward

While eStamping offers undeniable advantages, it’s important to recognize that traditional stamping methods still hold value. For certain documents like wills and powers of attorney, physical stamps might be preferred for evidentiary purposes. Additionally, rural areas with limited internet connectivity might still rely on physical stamps for convenience.

Therefore, the future of document authentication likely lies in a hybrid approach. eStamping will undoubtedly become the dominant form for its efficiency and security benefits, but physical stamps might still play a role in specific cases.


The battle between eStamping and traditional methods is not a winner-take-all scenario. Both approaches offer unique advantages and cater to different needs. The key takeaway is that the digital revolution is transforming document authentication, and eStamping is leading the charge with its promise of convenience, security, and efficiency. Traditional stamping methods, though time-tested, need to adapt to the changing landscape to remain relevant and accessible. By striking a balance between the two, we can ensure that stamping remains a reliable and accessible component of modern life.

About Signzy

Signzy is a market-leading platform redefining the speed, accuracy, and experience of how financial institutions are onboarding customers and businesses – using the digital medium. The company’s award-winning no-code GO platform delivers seamless, end-to-end, and multi-channel onboarding journeys while offering customizable workflows. In addition, it gives these players access to an aggregated marketplace of 240+ bespoke APIs, easily added to any workflow with simple widgets.

Signzy is enabling ten million+ end customer and business onboarding every month at a success rate of 99% while reducing the speed to market from 6 months to 3-4 weeks. It works with over 240+ FIs globally, including the 4 largest banks in India, a Top 3 acquiring Bank in the US, and has a robust global partnership with Mastercard and Microsoft. The company’s product team is based out of Bengaluru and has a strong presence in Mumbai, New York, and Dubai.

Visit www.signzy.com for more information about us.
Contact us directly!

DSC Token Signing and Aadhaar eSign

Difference between DSC Token Signing and Aadhaar eSign

Two prominent methods for digital authentication in India are Digital Signature Certificate (DSC) Token Signing and Aadhaar eSign. According to data from the Controller of Certifying Authorities (CCA) in India, the issuance of Digital Signature Certificates (DSCs) has been steadily increasing over the years. In the fiscal year 2020-21, over 24 million DSCs were issued, reflecting the growing demand. Aadhaar eSign on the other hand, has experienced remarkable growth since its inception. More than 125 million Aadhaar eSign transactions were reported in the year 2020-21, according to the Unique Identification Authority of India (UIDAI). This statistic highlights the widespread use of Aadhaar-based authentication for various purposes. 

While both serve the common goal of validating electronic documents and transactions, they differ significantly in their technical underpinnings, functionalities, use cases, and regulatory frameworks. In this article, we will delve into the nuances of DSC Token Signing and Aadhaar eSign, highlighting their unique features and how they cater to diverse digital authentication needs.

Technical and Functional Differences

DSC Token Signing

DSC Token Signing relies on a Digital Signature Certificate issued by a Certifying Authority (CA) in compliance with the Indian Information Technology Act, 2000. This method uses a cryptographic key pair – a private key held by the signatory and a public key stored in the DSC. When the signatory wishes to sign a document digitally, they use their private key to create a unique digital signature. The recipient can verify the signature’s authenticity using the corresponding public key.

Aadhaar eSign

Aadhaar eSign, on the other hand, leverages the Aadhaar ecosystem, India’s unique identity system, for digital authentication. This method allows individuals to electronically sign documents using their Aadhaar number and biometric authentication (fingerprint or iris scan). The process involves sending a One-Time Password (OTP) to the registered mobile number linked to the Aadhaar, which is then used to sign the document.

Top Unique Features

DSC Token Signing:

High Level of Security: DSC Token Signing offers a robust security framework, making it ideal for critical and sensitive transactions. The private key used for signing is securely stored in a hardware token or smart card, adding an extra layer of protection.

Legal Validity: Documents signed using DSC Token Signing are legally recognized in India, ensuring their enforceability in courts of law. This feature is crucial in the context of legal contracts and financial transactions.

Aadhaar eSign:

Ease of Use: Aadhaar eSign is incredibly user-friendly, requiring only a mobile number and biometric authentication. This simplicity promotes its adoption among a diverse population, including those with limited technical expertise.

Widespread Accessibility: With over a billion Aadhaar numbers issued, Aadhaar eSign has the potential to reach a massive user base, making it suitable for applications that require broad public participation.

Use Cases

DSC Token Signing:

Banking and Financial Transactions: Many banks and financial institutions employ DSC Token Signing for secure online transactions, loan approvals, and investment-related processes.

SBI, one of India’s largest banks, has implemented DSC Token Signing for various purposes, including secure online transactions and document verification. By incorporating DSC Token Signing into their digital banking platform, SBI has been able to provide customers with a high level of security and confidence in their online banking transactions. This implementation has contributed to a significant reduction in fraud and unauthorized access to customer accounts.

Aadhaar eSign:

eKYC and Onboarding: Telecom companies, banks, and fintech firms utilize Aadhaar eSign for customer onboarding and eKYC processes, streamlining customer registration and identity verification.

HDFC Bank, one of India’s largest private sector banks, has integrated Aadhaar eSign into its customer onboarding and account activation processes. This implementation allows HDFC Bank to onboard customers swiftly by verifying their identities using Aadhaar-based eKYC. Customers can digitally sign account opening forms, making the process faster and more convenient.


In the fast-evolving landscape of digital authentication in India, the implementation of DSC Token Signing and Aadhaar eSign by banks and financial institutions has made significant strides in enhancing security, efficiency, and accessibility in financial transactions. These methods cater to diverse needs, from secure document signing to streamlined customer onboarding.

As technology continues to advance, organizations must stay abreast of the latest authentication solutions to meet the ever-growing demands of their customers. One such solution worth exploring is Signzy’s Aadhaar E-Sign API.

Signzy’s Aadhaar E-Sign offers a robust and user-friendly platform for implementing Aadhaar-based electronic signatures. With Signzy’s technology, banks and financial institutions can simplify customer onboarding, streamline document verification, and ensure compliance with regulatory requirements. This API empowers organizations to exploit the full potential of Aadhaar eSign for a seamless and secure digital experience.

About Signzy

Signzy is a market-leading platform redefining the speed, accuracy, and experience of how financial institutions are onboarding customers and businesses – using the digital medium. The company’s award-winning no-code GO platform delivers seamless, end-to-end, and multi-channel onboarding journeys while offering customizable workflows. In addition, it gives these players access to an aggregated marketplace of 240+ bespoke APIs, easily added to any workflow with simple widgets.

Signzy is enabling ten million+ end customer and business onboarding every month at a success rate of 99% while reducing the speed to market from 6 months to 3-4 weeks. It works with over 240+ FIs globally, including the 4 largest banks in India, a Top 3 acquiring Bank in the US, and has a robust global partnership with Mastercard and Microsoft. The company’s product team is based out of Bengaluru and has a strong presence in Mumbai, New York, and Dubai.

Visit www.signzy.com for more information about us.
Contact us directly!

E-Stamp Certificates

How To Verify E-Stamp Certificates Online

In an increasingly digital world, the verification of documents and certificates has transitioned from traditional methods to online platforms. One such document that has undergone this transformation is the e-Stamp certificate. E-Stamp certificates are digital documents issued by authorized authorities to represent the payment of stamp duty. These certificates contain electronically signed information, including the unique identification number (UIN), date of issuance, stamp duty value, document type, and other relevant details. Verifying the authenticity of these certificates ensures that the stamp duty has been paid correctly and the document is legally valid.

In this article, we will provide a step-by-step guide to verifying e-Stamp certificates online, and offer practical insights and tips for individuals and businesses to navigate this process efficiently. Let’s get started.

A step-by-step guide to verifying e-Stamp certificates online

Step 1: Identify the State

The first step involves identifying the state where the e-Stamp certificate was issued. Different states in India have different e-stamping websites and verification procedures. Some common e-Stamping websites include:

Step 2: Locate the Verification Section

Once you are on the e-Stamp certificate verification portal, locate the section or tab dedicated to e-Stamp certificate verification. It is usually prominently displayed on the homepage or listed in the main menu for easy access.

Step 3: Enter the Certificate Details

The specific details required for verification may vary slightly between different states. However, some common information you will need to enter includes:

  • State: Select the state where the e-Stamp certificate was issued.
  • Certificate Number (UIN): This is the unique identification number printed on the e-Stamp certificate.
  • Stamp Duty Type: Select the type of document for which the e-Stamp was used.
  • Certificate Issue Date: Enter the date on which the e-Stamp certificate was issued.
  • Verification Code: Some websites may require you to enter a verification code displayed on the screen.

Make sure you enter these details accurately to avoid any discrepancies during the verification process.

Step 4: Submit the Request

After entering the required certificate details, click on the “Submit” or “Verify” button, depending on the terminology used on the portal. This action will initiate the verification process.

Step 5: Review the Verification Result

The website will display the verification results, indicating whether the e-Stamp certificate is valid or not.  The results typically include information like the UIN, stamp duty value, document type, and the issuing authority. 

Tips and Insights for Efficient E-Stamp Certificate Verification:

  • Make sure you enter the certificate details accurately. Even minor errors in the certificate number or other information can lead to verification issues.
  • Download the e-Stamping mobile app. Many e-stamping authorities offer mobile apps that facilitate convenient certificate verification on the go.
  • It’s advisable to keep a record of the verified e-Stamp certificates for future reference. This can be especially useful for businesses and individuals who frequently deal with e-stamping.
  • Don’t delay the verification process. It’s essential to verify e-Stamp certificates promptly to ensure their authenticity before proceeding with any legal or financial transactions.
  • If you encounter any issues during the verification process or if a certificate is not verified, don’t hesitate to reach out to the customer support provided on the portal or the relevant government authority for assistance.

Verifying e-Stamp certificates online is a crucial step to ensure their authenticity and prevent fraud. By following the step-by-step guide provided in this article and adhering to the practical insights and tips, individuals and businesses can navigate the e-Stamp certificate verification process efficiently. As the use of e-stamping continues to grow, understanding and practicing these verification procedures becomes increasingly important for ensuring secure and transparent transactions.

One such reliable solution is Signy’s E-Stamping. This API plays a crucial role in simplifying and enhancing the e-stamping process. Signy’s E-Stamping API offers an innovative and user-friendly platform for e-Stamping, making it easier than ever to ensure the authenticity of your certificates. By incorporating Signy’s advanced technology into your e-stamping workflow, you can streamline the verification process, reduce the risk of errors, and promote secure transactions.

About Signzy

Signzy is a market-leading platform redefining the speed, accuracy, and experience of how financial institutions are onboarding customers and businesses – using the digital medium. The company’s award-winning no-code GO platform delivers seamless, end-to-end, and multi-channel onboarding journeys while offering customizable workflows. In addition, it gives these players access to an aggregated marketplace of 240+ bespoke APIs, easily added to any workflow with simple widgets.

Signzy is enabling ten million+ end customer and business onboarding every month at a success rate of 99% while reducing the speed to market from 6 months to 3-4 weeks. It works with over 240+ FIs globally, including the 4 largest banks in India, a Top 3 acquiring Bank in the US, and has a robust global partnership with Mastercard and Microsoft. The company’s product team is based out of Bengaluru and has a strong presence in Mumbai, New York, and Dubai.

Visit www.signzy.com for more information about us.
Contact us directly!

Digital Contracts

Digital Contracts in India: What Businesses Need to Know

In the rapidly advancing business environment of today, Digital Contracts are acing up! They are not just an innovation but a necessity, particularly in dynamic markets like India.

The traditional methods of contract management have undergoDigital Contracts in India: What Businesses Need to Knowne a significant transformation, especially in a vibrant and continually evolving market like India. No longer restricted to paper and ink, contracts have been digitized, offering businesses unprecedented levels of efficiency and agility. Mastering the complexities of these digital contracts is crucial in the Indian context, given its burgeoning tech industry and fluid legal landscape. As we delve into the critical aspects of virtual agreements in India, businesses will gain the insights they need to remain competitive in this swiftly changing sector.

Digital Contracts in India

Digital contracts are an increasingly popular way for businesses to conduct transactions and manage their affairs in India. With the Indian government recently announcing its plans to promote the use of digital contracts, it is clear that this trend is here to stay.

For businesses operating in India, it is important to understand the basics of digital contracts and how they can be used to your advantage. In this blog post, we will cover the following topics:

  1. What are digital contracts?
  2. The benefits of using digital contracts in India.
  3. How to create and sign aDigital Contracts in India: What Businesses Need to Know digital contract in India.
  4. What are some common mistakes to avoid when creating or signing a digital contract in India?

Can Contracts Be Formed Digitally?

Yes, India’s legal system allows for the formation and execution of contracts in electronic format, as outlined in Section 10-A of the Information Technology Act 2000 (IT Act). Furthermore, click-wrap contracts—commonly seen during online transactions—are also legally enforceable. As long as a contract meets the core requirements of the Indian Contract Act of 1872, it is deemed valid, even if executed digitally. The IT Act gives additional credence to contracts formed and accepted electronically. However, the onus of proving the contract’s authenticity falls on the party asserting its validity, especially if a digital signature is absent.

Governing Laws and Regulations

Digital contracts in India are primarily regulated by:

  1. The Indian Contract Act 1872
  2. The Information Technology Act 2000
  3. The Indian Evidence Act 1872

Additional rules under the IT Act that pertain to digital contract execution include:

  1. The Information Technology (Certifying Authorities) Rules 2000
  2. The Digital Signature (End Entity) Rules 2015
  3. The Information Technology (Use of Electronic Records and Digital Signature) Rules 2004

Another key consideration is that of electronic signatures. In India, the use of electronic signatures is permissible provided that certain conditions are met. For instance, the signature must be affixed to an electronic record in a manner that indicates the signatory’s intention to sign the record. In addition, any person who verifies the electronic signature must have consented to do so.

It is important to note that digital contracts are subject to the same rules of evidence as traditional paper contracts. This means that businesses should take care to ensure that all relevant information is accurately captured in the contract document. Any disputes that may arise from a digital contract will also be resolved in accordance with Indian law.

Data Retention and Software Legacy Requirements for Digital Contracts

An often overlooked but crucial aspect of digital contracts is the requirement for data retention and software legacy. According to Section 7 of the IT Act, the law permits electronic retention of documents, records, or information that are legally required to be kept for a specific duration. However, certain conditions must be met for the electronic retention to be deemed valid:

  1. Accessibility: The retained electronic information must be easily accessible for future reference.
  2. Format Integrity: The electronic record should either be retained in its original format or in a format that can be proven to accurately represent the original content.
  3. Traceability: Essential details that help identify the origin, destination, date, and time of dispatch or receipt of the electronic record must be included.

Meeting these requirements ensures that the electronic contracts are not only legally compliant but also stand up to scrutiny should any legal complications arise.

Benefits and Challenges of Digital Contracts

  1. Speed and Efficiency: Traditional contract processes can take a significant amount of time from drafting to signature collection. Digital contracts streamline these procedures, allowing parties to quickly negotiate, amend, and sign contracts, thereby accelerating business processes.
  2. Cost-Effective: The cost savings are immediate when you consider the reduction in paper, printing, and postage. Plus, digital storage is far more cost-effective and space-efficient compared to physical storage units filled with paper contracts.
  3. Enhanced Security: Digital contracts can incorporate advanced encryption and secure digital signatures, reducing the risk of fraud. Audit trails can track all changes and signatures, providing an added layer of security.
  4. Accessibility: Being digital, these contracts can be accessed from anywhere at any time, provided you have the right credentials. This is particularly useful for businesses with global operations and remote teams.
  5. Legal Compliance and Data Retention: With laws like the IT Act in place, digital contracts are now as legally binding as paper contracts. They also meet data retention requirements more efficiently, as electronic data can be organized and retrieved more easily than physical copies.


Digital contracts are becoming an increasingly important part of doing business in India, with their use growing exponentially. With the right understanding and preparation, businesses can take advantage of this technology to simplify their legal processes and build stronger relationships with customers. Navigating the world of digital contracts in India can be difficult at times but by following these tips, businesses will have a better chance of succeeding.

Know about Signzy’s Digital Contracting API and learn how it streamline contract management and eliminate operational bottlenecks.


Know everything about Affidavits & e-Stamping

Affidavits are ubiquitous in legal, financial, and administrative matters. But what exactly are they, and how can you efficiently get them e-stamped? This blog aims to provide a detailed guide on affidavits and the simplified process of e-stamping them through platforms like Signzy’s state-of-the-art eStamping API.

What Are Affidavits?

An affidavit is a written sworn statement of fact that is voluntarily made by an affiant or deponent under an oath or affirmation administered by a person authorized to do so by law. They are used to present factual information and are often utilized in legal proceedings as evidence.

The Traditional Stamping Process

In earlier times, stamping an affidavit involved going to a stamp vendor or a government office, paying the required stamp duty in exchange for a physical stamp on the document. This traditional method is time-consuming and can be cumbersome, given the need for physical presence and dealing with paperwork.

Types of Traditional Stamping Methods

Judicial Stamping

Judicial stamping is generally used for legal proceedings and court matters. These stamps are usually affixed to affidavits, court fees, and other documents that are presented in court.

Non-Judicial Stamping

Non-judicial stamps are used for transactions involving the transfer of property, business agreements, and other civil activities. Stamp papers of various denominations can be purchased from licensed vendors.


Franking involves marking a document with a special ink that signifies the payment of stamp duty. Usually, this process requires visiting an authorized bank or a franking agency.

The Process

  1. Identification of Document Type: Identify the type of document that requires stamping, which dictates the amount of stamp duty.
  2. Purchase of Stamp Papers or Franking: Depending on the type and nature of the document, one may need to buy stamp papers or go to a bank for franking.
  3. Document Preparation: Once the stamp duty is paid, the document is written on the stamp paper, or the franking mark is affixed to it.
  4. Verification: For some documents like property transfers, an additional step of verification might be required, which usually involves visits to a notary or another relevant government official.
  5. Record-Keeping: Traditionally, physical copies of stamped documents are stored for future reference, often leading to challenges related to storage and retrieval.

Challenges of Traditional Stamping

  • Time-Consuming: The need to physically purchase stamps or get a document franked is often time-consuming.
  • Storage Issues: Managing and storing paper-based stamped documents can be cumbersome and risky.
  • Fraud Risks: Physical stamps can be susceptible to counterfeiting and fraud.
  • Lack of Transparency: Manual methods often lack a centralized tracking system, leading to transparency issues.

Traditional Stamp Duty Payment for Affidavits

The conventional way of paying stamp duty for affidavits involves a manual process that often includes visiting a government office or authorized stamp vendors. It entails purchasing physical stamps or getting the document franked, both of which demand time and often involve long queues and cumbersome paperwork.

The Steps Involved

  1. Determining Stamp Duty: The first step usually involves understanding how much stamp duty needs to be paid for the particular affidavit. This amount can vary depending on the type of affidavit and the jurisdiction in which it is being submitted.
  2. Purchasing Stamps: After determining the stamp duty, you must visit an authorized stamp vendor or government office to purchase the required stamp papers or revenue stamps. This often involves standing in long queues and filling out forms.
  3. Document Drafting: Once the stamps are purchased, the affidavit is drafted on the stamp paper itself or is affixed with revenue stamps. The document is then notarized to give it legal standing.
  4. Submission and Storage: The stamped and notarized affidavit must be submitted where required. Additionally, you may need to keep a copy for your records, which adds to the paperwork you must manage and store.

Challenges of Traditional Methods

  • Inefficiency: The traditional method is highly manual, requiring multiple in-person visits, which can be time-consuming and inefficient.
  • Risk of Errors: Handwritten or typed documents are more susceptible to errors, which could render them invalid, requiring the entire process to be redone.
  • Lack of Security: Physical documents and stamps are subject to wear and tear, loss, or even forgery.
  • Administrative Burden: Managing physical documents becomes increasingly difficult as they accumulate, posing a challenge in storage, retrieval, and verification in the future.

The Need for Modernization

As our world increasingly moves towards digitization, it’s becoming clear that the traditional stamp duty payment method for affidavits is out of step with the needs of a fast-paced, digital society. There is a growing demand for more streamlined, secure, and efficient ways to handle this crucial aspect of legal and administrative work.

How Does E-Stamping Work?

E-stamping is an online process that replaces the traditional method of physical stamping. It’s secure, quick, and can be done from the comfort of your home or office. Platforms like Signzy provide APIs that facilitate the e-stamping process, eliminating the need to visit any government office or stamp vendor.

Advantages of E-Stamping Over Traditional Methods

  • Convenience: One of the biggest advantages is the convenience it offers. You can e-stamp a document anytime and anywhere.
  • Security: E-stamping is generally more secure than traditional stamping methods. The data is encrypted, and the process is fully compliant with existing laws.
  • Efficiency: The process is much quicker than traditional methods, saving both time and resources.

How Signzy’s E-Stamping API Simplifies the Process

Signzy’s eStamping API aims to revolutionize the traditional stamping process. It provides a secure, quick, and convenient way to affix digital revenue stamps on your affidavits, effectively eliminating geographical and time limitations. The API allows for a more streamlined, paperless, and secure method of validating your legal documents. With Signzy, you can focus more on what matters and worry less about the administrative hassles.


Affidavits play a critical role in various legal and administrative procedures. The introduction of e-stamping has significantly simplified the process of validating these crucial documents. With platforms like Signzy’s eStamping API, you can now enjoy a more secure, efficient, and convenient way of handling affidavits. Say goodbye to long queues and hello to the future of document validation.

To get started with e-stamping your affidavits, visit Signzy’s eStamping Platform. Don’t miss out on the future of easy, secure, and efficient affidavit handling. Try Signzy’s eStamping API today! Contact us now!

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