Groww is one of India’s fastest-growing digital investment and credit platforms, offering millions of users access to stocks, mutual funds, and digital lending. As user volumes surged, the Groww KYC process needed to support fast, compliant onboarding across multiple product lines. But the company’s verification stack, split between PAN checks for investments and UAN-based employment verification for lending, created fragmented flows and inconsistent data handling.

To solve this, Groww adopted Tartan’s HyperVerify, a verification API suite for KYC, KYB, and more that unifies PAN–UAN verification into a single, scalable layer running on AWS.

About Groww

Industry: FinTech / WealthTech

Headquarters: Bengaluru, India

Products: Investments & Digital Lending

Verification Components Used: HyperVerify APIs for KYC (identity verification and financial verification) using key national identifiers like PAN, UAN, Aadhaar, and Mobile Number

The Challenge: Fragmented Verification Slowed KYC Onboarding and Growth

Groww’s verification flows evolved independently across teams:

• PAN verification was essential for investment onboarding

• UAN-based employment verification powered lending and credit-risk checks

• Different internal tools, schemas, and APIs increased engineering effort

• Duplicate verification systems caused slower go-lives for new onboarding journeys

• Maintaining compliance and consent trails across systems became harder at scale

Without consolidation, Groww risked:

• Higher onboarding drop-offs

• KYC failures due to inconsistent workflows

• Increased operational overhead

• Slower launch cycles for new financial products

The company needed one verification layer that could reliably support both investment and lending flows.

The Solution: One Verification Layer with HyperVerify on AWS

Groww integrated Tartan’s HyperVerify to replace fragmented checks with a single, modular verification architecture.

1. PAN Verification for Investment KYC

HyperVerify’s PAN verification API enabled real-time identity checks, reducing user friction while strengthening compliance in the Groww KYC process.

2. UAN Employment Verification for Lending

Using HyperVerify’s UAN verification API, Groww validated employment attributes such as employer history, tenure, and contribution patterns, critical inputs for income stability and credit assessment.

For high-volume scenarios, Groww also leveraged a bulk UAN console, enabling CSV-based verification of thousands of user profiles with automated ingestion and result delivery.

3. Consent Layer & Audit Logs

HyperVerify ensured user-granted consent across every PAN–UAN verification request:

• Centralized consent artefact storage

• Tamper-proof audit logs

• Configurable scopes for regulatory alignment

4. Built on AWS for Scalability & Security

HyperVerify’s backend uses AWS services to ensure reliability and compliance at scale, including:

• AWS KMS for encryption of sensitive identity and employment data

• API-first architecture to support high concurrency workloads

• Multi-AZ resiliency for uninterrupted availability

• Cloud-native autoscaling to handle peak onboarding periods

Outcomes: 50% Faster Launches With a Single KYC Verification Layer

By consolidating PAN–UAN verification into HyperVerify:

1. 50% Faster Go-Lives for New KYC Journeys

Groww cut onboarding launch times in half thanks to simplified integration and a unified verification interface.

2. Consistent and Compliant KYC Onboarding Across Products

Investment and lending teams now rely on the same trust-framework, improving accuracy and reducing manual review.

3. Greater Scalability for High-Volume Identity Verification

HyperVerify’s event-driven workflows and AWS-based scaling allowed Groww to handle verification spikes during market peaks and lending surges.

4. Stronger Auditability & Consent Management

The centralized consent layer ensures compliance readiness across regulatory reviews and partner audits.

“HyperVerify gave us one clean verification layer for both investments and lending. Simpler for our teams, seamless for users.” - Head of Engineering, Groww

Summary

By adopting HyperVerify on AWS, Groww transformed its fragmented verification workflows into a unified, resilient PAN UAN KYC onboarding engine. The shift accelerated launch timelines, strengthened compliance, and created a repeatable identity verification model powering both investment and lending use cases.