The Court said that it has issued several directions to ensure that those with visual impairment or other such challenges are able to complete the KYC process.

“We have held there is need for change in KYC processes for the disabled. We have given 20 directions. The petitioners who suffer from acid attacks and blindness have been unable to complete KYC process … due to facial disfigurements. Constitutional provisions confer a statutory right on the petitioners to be accommodated in the KYC process. It is imperative that digital KYC guidelines are revised with the accessibility code. In the contemporary era, where economic opportunities etc. is through digital (access) Article 21 needs to be re-interpreted in light of such technology and the digital divide increases,” the Bench said, pronouncing the verdict in court.

One of the petitions before the Court was by Amar Jain, a lawyer and accessibility professional who himself faced 100 per cent visual impairment. He had argued that he was regularly facing various problems with completing KYC formalities online.

These issues are faced by all persons with disabilities, especially those with blindness or low vision, he said.

None of the existing KYC methods are designed keeping accessibility in mind and as such, persons with blindness or low vision are unable to complete these formalities without the aid of another person physically present with them, he added while calling for reforms.

The second petition concerned one Pragya Prasun, an acid attack survivor with severe eye-disfigurement and facial-damage, who had in July 2023 approached ICICI Bank to open a bank account.

However, she was deemed incapable of completing the Digital KYC/e-KYC process due to the bank’s insistence on completing the requirement of capturing a “live photograph” by blinking her eyes.

The mandatory requirement of proving a customer’s ‘liveness’ under the RBI-regulated KYC process can only be fulfilled upon a customer blinking his/her eyes before the camera, as per the petition.

The bank later made an exception for the petitioner only due to an uproar over the issue on the social media.

Many such survivors face similar issues, the PIL said while seeking directions to the Centre for fresh guidelines on alternative methods or means to conduct the Digital KYC/e-KYC process for such acid-attack survivors.

The petitioner also said that a direction should be issued to all public and private establishments conducting Digital KYC/e-KYC process to effectively implement the guidelines that may be issued.

The petition by petitioner Pragya Prasun was drawn by advocates Nimisha Menon, Yamuna Rizvi, Ishita Soni and Pranya Madan and filed through advocate Nitin Saluja.

The plea was settled by Senior Advocate Siddharth Luthra.

Amar Jain’s petition was filed through advocate Ila Sheel.