Ayushman Card e-KYC Pending, Unidentified or Not Generated: What Does It Mean?
After checking Ayushman Bharat PM-JAY eligibility, a beneficiary may see different statuses during the card-generation process.
For example, the system may show information indicating that:
- e-KYC is pending
- The beneficiary is unidentified
- The card has not been generated
- Authentication is pending
- Verification is incomplete
- The beneficiary is found but the card is not yet available
These statuses can be confusing, particularly for people who have recently become eligible for Ayushman Bharat PM-JAY in West Bengal.
West Bengal officially implemented AB PM-JAY in June 2026, becoming the 36th State/UT to implement the scheme.
This article explains what e-KYC means, why an Ayushman Card may not be generated immediately, what beneficiaries can do and when they should seek help from an authorised PM-JAY facility.
What is Ayushman Card e-KYC?
e-KYC means electronic Know Your Customer/beneficiary verification.
Under PM-JAY, beneficiary identification and authentication are important steps before an Ayushman Card can be generated.
The National Health Authority’s documentation explains that Aadhaar-based authentication is used as part of beneficiary verification and that explicit consent is required for Aadhaar-based authentication.
In simple terms:
Eligibility → Identity verification/e-KYC → Approval/verification → Ayushman Card generation → Card download/use
The exact online workflow can vary depending on the beneficiary category and the current PM-JAY system.
What does “e-KYC Pending” mean?
If your Ayushman Card status shows e-KYC pending, it generally means that the required identity-verification process has not yet been successfully completed.
Possible reasons include:
- Aadhaar authentication has not been completed.
- The beneficiary has not given the required consent.
- OTP authentication has not been completed.
- Biometric authentication is pending.
- The submitted details require verification.
- The beneficiary record has not yet completed the verification process.
e-KYC pending does not automatically mean that your Ayushman Card application has been rejected.
The exact status displayed in the official beneficiary system should be considered before taking further action.
What does “Unidentified” mean in Ayushman Card?
If the system displays “Unidentified”, it generally indicates that the beneficiary’s identity has not yet been successfully established or authenticated in the beneficiary-identification process.
It should not automatically be interpreted as:
“Your Ayushman Card has been cancelled.”
It also should not automatically be interpreted as:
“You are permanently rejected.”
The next step depends on the reason the beneficiary could not be authenticated.
If the online process does not provide a clear way to resolve the issue, visit an authorised PM-JAY facility or Ayushman Mitra/help desk for assistance.
The National Health Authority’s PM-JAY system uses facilitators/Arogya Mitras at empanelled hospitals to assist beneficiaries with enrolment, admission and claim-related processes.
What does “Card Not Generated” mean?
Card Not Generated generally means that an Ayushman e-card has not yet been generated for the beneficiary.
This can happen even when a beneficiary record has been identified.
For example:
Beneficiary found → e-KYC incomplete → Card not generated
In such a case, completing the required verification may be necessary before the card can be generated.
However, beneficiaries should not assume that every “Not Generated” status has the same cause.
The official system and authorised PM-JAY personnel should be used to determine the reason.
Does “Card Not Generated” mean I am rejected?
No, not necessarily.
“Card Not Generated” and “Rejected” are not automatically the same thing.
A card may not be generated because:
- e-KYC is incomplete.
- Authentication has failed.
- Beneficiary information needs verification.
- The record requires approval.
- The beneficiary has not completed the required process.
- There is a technical/system issue.
Therefore, do not conclude that you are permanently ineligible solely because the card has not yet been generated.
What should I do if my Ayushman Card e-KYC is pending?
If your e-KYC is pending, follow these steps.
Step 1: Check the official beneficiary portal
Use the official National Health Authority beneficiary system.
Official portal: Ayushman Bharat Beneficiary Portal
Avoid websites that claim to be official but use unrelated domain names.
Step 2: Check your Aadhaar details
Make sure the identity details used for verification are correct.
Check for possible differences in:
- Name
- Date of birth
- Gender
- Aadhaar details
- Mobile number
- Family information
Even a mismatch can make authentication difficult.
Step 3: Complete the required e-KYC
If the portal provides an e-KYC option, follow the official authentication process.
For senior citizens covered under the special 70+ PM-JAY expansion, Aadhaar-based e-KYC is specifically required. The National Health Authority confirms that Aadhaar is required for enrolment under this senior-citizen provision.
Step 4: Try again if there is a technical failure
Sometimes an authentication attempt may fail because of:
- OTP delivery problems
- Aadhaar authentication failure
- Internet connectivity
- Temporary portal problems
- Incorrect information
- Biometric authentication problems
If the problem continues, do not repeatedly submit incorrect information.
Instead, seek help from an authorised PM-JAY facility.
What if the e-KYC button is not working?
If the e-KYC button does not respond, try the following:
- Refresh the official portal.
- Log in again.
- Check your internet connection.
- Try a different supported browser/device.
- Make sure the beneficiary information is correct.
- Try again later if the government portal is temporarily unavailable.
- Visit an authorised PM-JAY hospital/Ayushman Mitra if the problem continues.
Do not give your Aadhaar OTP to an unknown person who claims they can complete e-KYC for you.
Can e-KYC be completed at a hospital?
An authorised PM-JAY facility can assist with beneficiary verification and related processes.
The PM-JAY system uses Arogya Mitras at empanelled hospitals to facilitate beneficiary enrolment, patient admission and claims.
Therefore, if your online e-KYC is not working, visiting an authorised PM-JAY hospital/help desk can be a practical next step.
Take the relevant original identification documents with you.
What documents should I carry?
The exact documents required depend on your beneficiary category and verification process.
NHA documentation identifies documents such as:
- Aadhaar
- Ration Card
- Voter ID
- Driving Licence
- Birth Certificate
- Passport
- PAN Card
- MNREGA Job Card
- Other valid government-issued photo identification
- Proof of Relationship documents
The exact documents required should be confirmed through the current official process.
Do not assume that you need to submit every document on this list.
What if my name is showing but e-KYC is unidentified?
If your family or beneficiary record is visible but the person’s status is Unidentified, the problem may be related to identity authentication rather than the basic beneficiary record.
In that situation:
- Check the beneficiary details carefully.
- Check the Aadhaar details.
- Complete the available e-KYC process.
- If online verification fails, visit an authorised PM-JAY facility.
- Ask the Ayushman Mitra/help desk to check the beneficiary record.
Do not create a duplicate beneficiary record unless the official system specifically allows and requires it.
What if my name is not found at all?
This is different from an e-KYC-pending case.
If the official system cannot find your beneficiary record, possible explanations include:
- The person is not included in the applicable PM-JAY beneficiary database.
- The search details do not match the database.
- The family information requires verification.
- A different beneficiary-identification route applies.
- The person may qualify under a separate category, such as the 70+ senior-citizen expansion.
Therefore, “not found” should not automatically be interpreted as permanent rejection.
Check the official beneficiary system and seek assistance through an authorised channel if necessary.
What about people aged 70 and above?
There is a special PM-JAY eligibility route for senior citizens.
The Government of India expanded PM-JAY to cover all Indian citizens aged 70 years and above regardless of income.
This is different from the ordinary PM-JAY beneficiary eligibility framework.
Therefore, a person aged 70+ should check the specific senior-citizen enrolment route.
Is Aadhaar e-KYC mandatory for 70+ Ayushman Card?
Yes.
For the 70+ senior-citizen enrolment route, the National Health Authority states that Aadhaar-based e-KYC is mandatory.
The NHA FAQ also states that a 70+ person with private health insurance can still be eligible for PM-JAY.
What if a 70+ person’s e-KYC is pending?
If the senior citizen is eligible but e-KYC has not been completed:
- Check the official beneficiary portal.
- Complete Aadhaar-based e-KYC.
- Make sure the Aadhaar details are correct.
- If online verification fails, visit an authorised PM-JAY facility.
- Ask the Ayushman Mitra/help desk to check the beneficiary record.
The NHA FAQ states that an existing PM-JAY family member aged 70+ who wants the additional senior-citizen benefit needs to redo Aadhaar e-KYC.
Does e-KYC pending mean my Ayushman Card is cancelled?
No.
A pending e-KYC status should not be interpreted as cancellation unless the official system specifically states that the beneficiary has been rejected or is otherwise ineligible.
Pending verification and rejection are different situations.
Always look at the exact status shown in the official beneficiary system.
Can I get treatment while e-KYC is pending?
Whether treatment can be provided depends on the beneficiary’s verification status, hospital process and applicable PM-JAY rules.
The NHA support system explains that an eligible but unverified beneficiary can be verified at the hospital using Aadhaar OTP authentication in the relevant transaction process.
Therefore, if treatment is urgently required, do not simply assume that a pending online card means treatment is impossible.
Go to an empanelled PM-JAY hospital and speak with the Ayushman Mitra.
For emergency situations, hospitals have specific beneficiary-identification procedures under PM-JAY.
Can I complete e-KYC myself?
For applicable beneficiary categories, online/self-service processes are available through the official PM-JAY systems.
However, the available process can vary by beneficiary category and current portal workflow.
If self-service e-KYC does not work, an authorised PM-JAY facility can help with the verification process.
What if my name or date of birth is incorrect?
Do not create a second beneficiary record just because there is an error.
First determine whether the information can be corrected through the authorised process.
NHA’s data-privacy documentation recognises beneficiaries’ rights to request rectification of inaccurate or incomplete personal data.
The actual correction procedure depends on the beneficiary database and applicable PM-JAY rules.
Can I add a family member to an existing PM-JAY family?
The rules for adding a new member are specific.
According to the latest NHA addendum, an additional member can be added to an existing PM-JAY-eligible household only when the person became part of the household through:
- Birth
- Marriage
- Adoption
The add-member process requires an existing household member to be verified using Aadhaar, and the new member must provide the appropriate birth, marriage or adoption certificate.
The current NHA guidance also states that the relevant date of birth, adoption or marriage registration must be on or after 1 April 2011 for this member-addition provision.
This means a person cannot simply add any relative to a PM-JAY family whenever they want.
What if the e-KYC is approved but the card is still not generated?
If e-KYC has successfully completed but the card is still not available:
- Wait for the beneficiary system to update.
- Log in again and check the current status.
- Check whether approval is still pending.
- Contact an authorised PM-JAY facility if the problem continues.
- Use official PM-JAY support channels if necessary.
Do not pay an agent to “speed up” a government card.
What if the Ayushman Card shows “Not Generated”?
The status can indicate that the card-generation step has not been completed.
Check whether:
- e-KYC is completed.
- Authentication is successful.
- Approval is complete.
- Any correction is pending.
- The card-generation option is available.
If all verification steps appear complete but the card remains unavailable, ask an authorised PM-JAY operator/Ayushman Mitra to check the beneficiary record.
How to download the Ayushman Card after approval?
Once the card has been successfully generated, use the official beneficiary system to access it.
Official portal: Ayushman Bharat Beneficiary Portal
The exact download process and button names may change as the NHA updates its digital system.
Always use the official portal rather than third-party websites.
What should I do if a hospital says my Ayushman Card is not valid?
First ask the hospital’s Ayushman Mitra/help desk to check the beneficiary record in the PM-JAY system.
Possible reasons can include:
- Beneficiary not verified
- Card not generated
- Incorrect beneficiary details
- Hospital not empanelled for the required treatment
- Treatment/package not covered
- Technical issue
- Beneficiary record requiring verification
If an eligible beneficiary faces a problem at an empanelled hospital, use the official PM-JAY grievance/support mechanism.
Ayushman Card e-KYC: Common Statuses Explained
| Status | What it generally indicates | What to do |
|---|---|---|
| e-KYC Pending | Verification is incomplete | Complete required e-KYC |
| Unidentified | Identity has not been successfully established | Check details and seek authorised verification |
| Card Not Generated | Card has not yet been generated | Check e-KYC/approval status |
| Verification Pending | Verification process is incomplete | Wait/check with authorised operator |
| Approved/Verified | Beneficiary verification is successful | Check card-generation/download option |
| Rejected | Official system has rejected the process/record | Check the reason and follow official correction/appeal process |
Important: The exact meaning of a status can depend on the specific PM-JAY application screen. The table is a practical guide, not a substitute for the official beneficiary record.
Official Ayushman Card websites
Ayushman Bharat Beneficiary Portal
Use this portal for beneficiary-related services:
National Health Authority
PM-JAY hospital search
PM-JAY official support
The National Health Authority’s support system provides technical and scheme-related information.
Ayushman Card Helpline
The official PM-JAY beneficiary helpline numbers are:
14555
1800-111-565
Use official helplines for beneficiary-related assistance.
Do not share your Aadhaar OTP, bank details, passwords or other sensitive information with an unknown person claiming to be from PM-JAY.
Important 2026 update for West Bengal
Ayushman Bharat PM-JAY became operational in West Bengal in 2026.
On 8 June 2026, West Bengal became the 36th State/UT to implement AB PM-JAY. The Government of India said the implementation was expected to extend health assurance benefits to approximately 1.43 crore families in the state.
The national PM-JAY programme is now operational across all 36 States/UTs. A July 2026 Government of India update confirmed pan-India implementation and nationwide portability.
As of 30 June 2026, PM-JAY had authorised 12.69 crore hospital admissions worth approximately ₹1.92 lakh crore nationally through a network of 37,413 public and private hospitals.
These figures are national figures and should not be interpreted as West Bengal-specific numbers.
Important: Do not pay anyone for e-KYC
Ayushman Card e-KYC should be completed through the official system or authorised PM-JAY channels.
Be careful if someone:
- Requests money for ordinary e-KYC
- Asks for your Aadhaar OTP
- Requests your bank PIN
- Requests your UPI PIN
- Asks for your password
- Claims they can “guarantee” approval
- Claims they can change your beneficiary status illegally
Never share an Aadhaar OTP or banking PIN with an unknown person.
Frequently Asked Questions
What does Ayushman Card e-KYC pending mean?
It generally means the required identity-verification process has not yet been completed successfully. It does not automatically mean rejection.
What does Unidentified mean in Ayushman Card?
It generally indicates that the beneficiary’s identity has not yet been successfully established or authenticated in the beneficiary-identification process.
What does Card Not Generated mean?
It means an Ayushman Card has not yet been generated for that beneficiary record.
Does “Not Generated” mean rejection?
No. Not necessarily. Check the exact official status and complete any pending verification.
Can I complete e-KYC myself?
For applicable categories, self-service processes are available through official PM-JAY systems. If the online process fails, an authorised PM-JAY facility can assist.
Is Aadhaar e-KYC mandatory for 70+ beneficiaries?
Yes. Aadhaar-based e-KYC is mandatory for the special 70+ PM-JAY enrolment route.
Can a 70+ person get PM-JAY even without an income limit?
Yes. The 70+ expansion covers eligible Indian citizens aged 70+ regardless of income.
Can I add any family member to my Ayushman Card?
No. The current NHA add-member rules allow addition through specified events such as birth, marriage or adoption, subject to the applicable conditions.
Can I get treatment if my online e-KYC is pending?
Treatment eligibility depends on the beneficiary’s status and hospital verification. An eligible but unverified beneficiary can be verified at an authorised hospital in the applicable process.
Where can I check my Ayushman Card?
Use the official Ayushman Bharat Beneficiary Portal.
Disclaimer
Disclaimer: The information provided in this article is for general informational and educational purposes only. We make reasonable efforts to keep the information accurate and up to date using official government sources; however, PM-JAY eligibility criteria, beneficiary databases, e-KYC procedures, card-generation processes, hospital empanelment, treatment packages, technical workflows and other rules may change from time to time. The meaning of a particular status can also depend on the specific PM-JAY system or beneficiary category. DailyDigiHelp does not guarantee that any individual will be eligible for PM-JAY or that a particular e-KYC/card issue will be resolved through the steps described here. Before submitting documents, completing e-KYC or seeking treatment, verify the latest information through the official National Health Authority, PM-JAY portal or an authorised PM-JAY hospital. Never share your Aadhaar OTP, UPI PIN, bank PIN, password or other sensitive information with an unauthorised person. DailyDigiHelp is not affiliated with or officially associated with the Government of India, National Health Authority, Government of West Bengal or Ayushman Bharat PM-JAY.
Conclusion
An e-KYC pending, Unidentified or Card Not Generated status does not automatically mean that an Ayushman Card application has been permanently rejected.
The correct next step depends on the exact status shown in the official PM-JAY system.
For most beneficiaries, the safest approach is to check the official beneficiary portal, verify the information used for authentication and complete the required e-KYC. If the online process does not work, an authorised PM-JAY hospital or Ayushman Mitra can help check the beneficiary record.
For senior citizens aged 70 and above, the Aadhaar-based e-KYC requirement is particularly important because the 70+ PM-JAY expansion has its own eligibility and verification process.
Official Sources
- Ayushman Bharat Beneficiary Portal
- National Health Authority
- PM-JAY Hospital Search
- Government of India – West Bengal PM-JAY implementation
- NHA – 70+ Senior Citizen FAQ
Article last reviewed: August 2026