Every lender, borrower, and asset‑reconstruction company (ARC) must query CERSAI before creating a new charge, filing a loan agreement, or selling an asset. The registry’s provides a searchable database, but until recently the process was largely manual, time‑consuming, and paper‑heavy.
| Step | Action | Time (Avg.) | Screenshots/ UI Highlights | |------|--------|------------|-----------------------------| | 1 | → Tap CERSAI Search | 5 s | Minimalist search bar with auto‑suggest. | | 2 | Enter PAN → Press Search | 8 s | Real‑time progress spinner; result list appears. | | 3 | Review Charge Details → Tap Download CSIS | 10 s | PDF preview with “Lock & Sign” button. | | 4 | Lock the loan agreement (PDF) → Set expiry 48 h , view‑only | 6 s | Encryption status shown as “🔒 Secured.” | | 5 | Apply e‑Signature → Biometric confirm → Choose DSC → Sign | 12 s | Signature pad with timestamp overlay. | | 6 | Store in Vault → Share via Secure Link to borrower’s email | 4 s | Vault view with filter by “Signed” status. | | Total | | ≈ 45 seconds | — | e lock sign app for cersai download
The app supports role‑based access . A shared DSC can be uploaded once, then each user logs in with their own FinTech Labs credentials; the backend logs each individual’s signing activity. | | 2 | Enter PAN → Press
CERSAI typically requires a "CERSAI Bridge" or specific drivers to communicate with your USB token. | | 6 | Store in Vault →
CERSAI is a centralized repository that stores digital certificates and signatures issued by various Certificate Authorities (CAs) in India. The repository is maintained by the National Informatics Centre (NIC), an agency of the Ministry of Electronics and Information Technology (MeitY). CERSAI enables secure authentication and verification of digital signatures, ensuring the integrity and authenticity of electronically signed documents.
This content is structured to be useful for a blog post, an informational guide, or an FAQ section. It clarifies what the app is, why it is needed, and how to use it safely.