1. Inadequate or Incorrect Documentation

• PAN or Aadhaar missing
• Blurry, cropped, or unfocused uploads
• Mismatched names between PAN and Aadhaar
• Outdated, expired, or incorrect documents (old bank statements)

2. Aadhaar Not Linked to Phone

• Aadhaar-based eSign requires an OTP on the phone linked to your Aadhaar.
• If your Aadhaar is not linked to your phone, then e-sign will fail.

3. Incomplete/Failed In-Person Verification (IPV)

• The video is poorly recorded
• PAN is poorly shown
• Audio and/or video issues during recording
• IPV was never attempted

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4. Manual Review Takes Time

• Number of applications
• Review teams must manually verify discrepancies in submitted documents
• Solution: wait 1-2 business days or contact support to follow up.