Why are Government schemes asking for Aadhaar card is mandatory?

Why are Indian Government schemes asking for Aadhaar card is mandatory?

AAdhaar card mandatory is helps schemes to clean out duplicates and fakes, to provide accurate data and enable implementation of direct benefit programmes. Use of Aadhaar card program  reduces the costs of identifying persons and provides Increased transparency to the government in implementation of its schemes.

In what basis the Aadhaar card based DBT help me as a beneficiary?

Aadhaar card linking in your scheme database ensures that nobody else can claim your share of the benefits by impersonating you as a person. And Also, in case of cash transfers, the money reaches directly to your Aadhaar card linked bank account, and you do not have to pursue different people to get the funds. though you can decide the bank account in which you would like your benefits/money to be transferred.. But all benefits go to your latest Aadhaar card linked bank account, so all the subsidies are transferred in single bank account.

       

What all can I do using a Bank mitra, who visits my village?

Bank Mitra carry a handheld device, which can allow you multiple type of banking transactions on your Aadhaar linked Bank account. Transactions possible are Balance, Enquiry, Cash Deposit, Cash Withdrawal, Paying Bills, Remitting funds to other Aadhaar holder. Bank mitra also helps in opening of Aadhaar linked bank account.

       

How would I know that DBT funds have come to my bank account?

We recommend that you update your mobile number in bank. The Bank will send out SMS alerts when you get DBT in account or you transact on your account. Alternatively, you can also check your account balance using ATM, microATM/ Bank Mitra, internet banking or calling the bank for details of your transactions.

why should I need Aadhaar to get my DBT?

In indian government Most of the schemes are seeking Aadhaar number to identify the beneficiaries to remove fakes and duplicates from their database. That is the reason it is strongly recommended that you give them Aadhaar to assist them. It also helps you in availing benefits offered by various government schemes If you do not have Aadhaar, you can always present your Enrolment ID No. (EID), or submit the request with service delivery database owner to get Enroled for Aadhaar with the stated ID documents. In this reason will allow you to continue getting the benefits, subsidy or services without any restrictions.

   

Supported PoA Documents Containing Name and Address

Supported PoA Documents Containing Name and Address

1. Passport
2. Bank Statement/ Passbook
3. Post Office Account Statement/Passbook
4. Ration Card
5. Voter ID
6. Driving License
7. Government Photo ID cards/ service photo
identity card issued by PSU
8. Electricity Bill (not older than 3 months)
9. Water bill (not older than 3 months)
10. Telephone Landline Bill (not older than 3 months)
11. Property Tax Receipt (not older than 1 year)
12. Credit Card Statement (not older than 3 months)
13. Insurance Policy
14. Signed Letter having Photo from Bank on
letterhead
15. Signed Letter having Photo issued by registered
Company on letterhead
16. Signed Letter having Photo issued by
Recognized Educational Institutions on letterhead
17. NREGS Job Card
18. Arms License
19. Pensioner Card
20. Freedom Fighter Card
21. Kissan Passbook
22. CGHS / ECHS Card
23. Certificate of Address having photo issued by MP
or MLA or Gazetted Officer or Tehsildar on
letterhead
24. Certificate of Address issued by Village
Panchayat head or its equivalent authority (for
rural areas)
25. Income Tax Assessment Order
26. Vehicle Registration Certificate
27. Registered Sale / Lease / Rent Agreement
28. Address Card having Photo issued by
Department of Posts
29. Caste and Domicile Certificate having Photo
issued by State Govt.
30. Disability ID card/handicapped medical certificate
issued by respective State/UT
Governments/Administrations
31. Gas Connection Bill (not older than 3 months)
32. Passport of Spouse
33. Passport of Parents (in case of Minor)
34. Allotment letter of accommodation issued by
Central/State government of not more than 3
years old
35. Marriage Certificate Issued by the Government
containing address

Aadhaar card based e-kyc Sample process flow would be as follows in bank

1. Customer walks into CSP of a bank with his/her 12-digit Aadhaar number and explicit consent and requests to open a bank account with Aadhaar based e-KYC.

2. Bank representative manning the CSP enters the number into bank’s eKYC application software.

3. The customer inputs his/her biometrics via a UIDAI compliant biometric reader (e.g. fingerprints on a biometric reader).

4. The software application captures the Aadhaar number along with biometric data, encrypts this data and sends it to UIDAI’s Central Identities Data Repository (CIDR).

5. The Aadhaar KYC service authenticates customer data. If the Aadhar number does not match with the biometrics, UIDAI server responds with an error with various reason codes depending on type of error (asdefined by UIDAI).

6. If the Aadhaar number matches with the biometrics, UIDAI responds with digitally signed and encrypted demographic information [Name,year/date of birth, Gender, Address, Phone and email (if available)] and photograph. This information is captured by bank’s e-KYC application and processed as needed.

7. Bank’s servers auto populate the demographic data and photograph in relevant fields. It also records the full audit trail of e-KYC viz. source of information, digital signatures, reference number, original request generation number, machine ID for device used to generate the request, date and time stamp with full trail of message routing, UIDAI encryption date and time stamp, bank’s decryption date and time stamp,etc.

8. The photograph and demographics of the customer can be seen on the screen of computer at bank branches or on a hand held device of BCs for reference.

9. The customer can open bank account subject to satisfying other account opening requirements.

Aadhar card e-kyc acceptance of Reserve bank of india

Operational Procedure to be followed by banks for e-KYC exercise

The e-KYC service of the UIDAI is be leveraged by banks through a secured network.

Any bank willing to use the UIDAI e-KYC service is required to sign an agreement with the UIDAI. The process flow to be followed is as follows:

A. Sign KYC User Agency (KUA) agreement with UIDAI to enable the bank to

specifically access e-KYC service.

B. Banks to deploy hardware and software for deployment of e-KYC service across various delivery channels. These should be Standardisation Testing and Quality Certification (STQC) Institute, Department of Electronics & Information

Technology, Government of India certified biometric scanners at bank branches/ micro ATMs/ BC points as per UIDAI standards. 

C. Develop a software application to enable use of e-KYC across various Customer Service Points (CSP) (including bank branch, BCs etc.) as per UIDAI defined Application Programming Interface (API) protocols. For this purpose banks will have to develop their own software under the broad guidelines of UIDAI. Therefore, the software may differ from bank to bank.

D. Define a procedure for obtaining customer authorization to UIDAI for sharing eKYC data with the bank. This authorization can be in physical (by way of a written explicit consent authorising UIDAI to share his/her Aadhaar data with the bank/BC for the purpose of opening bank account) /electronic form as defined by UIDAI from time to time. 

The eKYC service offered by UIDAI will enable individuals to authorise service providers to receive electronic copy of their proof of identity and address. This is a first of its kind service, on any public platform. The service makes KYC instantaneous, totally secure and paperless while enhancing privacy of data. It brings business efficiency and opens doors to innovative service provision in a manner never experienced before on a comparable scale.

eKYC service can be deployed by different agencies to verify a resident's identity and address. Only DEMOGRAPHIC information (Name, Address, Date of Birth, Gender, Photograph & Mobile Number) that is collected during Aadhaar card enrolment will be shared, at the request of, and/or with the consent of the Aadhaar card holder.