DigiLocker: Keeping important documents safe has become easier than ever in today's world. Which is better and more secure—a digital locker or a bank locker? Let’s find out.
Digital Locker: The meaning of many things has changed in the digital age. In the past, the word "locker" brought to mind a heavy iron locker at a bank. But times have changed. Today, many essential documents—such as PAN cards, Aadhaar cards, driving licenses, insurance policies, and degree certificates—exist in digital formats alongside their physical versions. This raises the question: is a digital locker or a bank locker the right choice for safeguarding important documents?
Benefits of Digital Lockers
The biggest advantage of DigiLocker is that there is no risk of the stored documents getting lost, torn, or damaged. It eliminates hassles like misplacing files while moving house or documents getting ruined by fire or water. Documents can be easily accessed anytime and anywhere when needed.
Additionally, documents issued by various government departments are directly available in DigiLocker and are recognized as valid originals. These documents can be used for KYC processes, job applications, or visa-related tasks. However, this does not mean there are no potential issues. If your mobile number changes, you fail to receive an OTP, or you forget your login details, retrieving documents when needed could become difficult. In other words, the concern here is not about losing the documents, but about accessing your account in time.
Digital Locker vs. Bank Locker
Digital lockers and bank lockers serve different needs. Digital lockers keep documents safe and instantly accessible, but they require a mobile phone, internet connectivity, and access to the account. On the other hand, bank lockers securely store physical documents and valuables, but retrieving them at any given moment is not always easy. Often, losses occur not because of the locker itself, but because documents are stored in the wrong places. For instance, some documents may be needed immediately for online tasks, whereas in other situations, the physical originals must be presented. Therefore, knowing exactly where to store each document is crucial.
What is the safest approach?
Experts recommend using a combination of bank lockers and digital lockers. Physical copies of documents that require safekeeping can be stored in a bank locker, while documents like Aadhaar, PAN, or other digital records are more conveniently kept in DigiLocker.
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