In Gurgaon, Mary Karkatia has a problem. She cannot prove she exists — legally. Mary does not have a birth certificate, a passport, a voter ID card, a PAN card or any other government document. She was born in an obscure village near Ranchi and her birth was never registered. Most of her family are now dead. Working as a domestic help, Mary has accumulated more than Rs 2 lakh in savings with her employer. But she cannot open a bank account because she has no documentation that can meet a bank's KYC (know-your-customer) norms.