Authentication Division Unique Identification Authority of India Aadhaar Enabled Applications December 2015 1 Aadhaar Vision 2 Overview of Aadhaar UIDAI was established by Govt of India in 2009 as attached office under the then Planning Commission Now placed under Department of Electr ID: 1001784
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1. H.C. AgrawalDDG Application & Authentication Division Unique Identification Authority of IndiaAadhaar Enabled ApplicationsDecember 2015 1
2. Aadhaar Vision2
3. Overview of AadhaarUIDAI was established by Govt. of India in 2009 as attached office under the then Planning Commission. Now placed under Department of Electronics & Information Technology (DietY)Aadhaar ensures Uniqueness through biometric attributes (Fingerprint/ Iris)About 95 Crore Aadhaar numbers issued as on dateAadhaar Saturation among Adult population is about 90%UIDAI offers “Authentication” and “e-KYC” servicesOnline authentication platform is capable of handling 10 Crore transactions per daySince inception of Aadhaar authentication services, more than 110 Crore Aadhaar Authentication transactions have taken place including 6.5 Crore eKYC transactions3
4. Features of Aadhaar4
5. NameAddressGenderDate of birthOptional:MobileEmail1 person1 number4 demographics + biometrics = 1 unique Aadhaar numberPhotoBothiris10 finger-prints5Standardized identity attributesNo duplicates(1:N check)Minimal demographic data collectedUID = 1568 3647 6218Basic demographic data and biometrics stored5
6. Update details in AadhaarAll the details including demographics, biometrics and photo can be updated by the residentPECs / Aadhaar KendraDetails can be updated after biometric authentication and with required documents at any of the PECUpdate Client Lite is available for updating mobile, email & consent SSUP (Self Service Update Portal) Requires registered mobile number for OTPDemographics including mobile, email can be updated By PostResident can also send demographics update request by PostMobile Update APIMade available to selected AUAs / Enrolment AgenciesResident can update Mobile, Email & consent easily6
7. Value PropositionsA robust ID utility in the countryCleaning existing service delivery databases via uniquenessEnabler for efficient delivery of services7
8. UniquenessA lifelong 12-digit unique number which can act as a primary identifier throughout the life of an individual. Uniqueness ensured through biometricsThe Aadhaar platform using the world’s most sophisticated technology ensures that every resident gets one and only one number. 8
9. Authentication (Online verification)Authentication is on-line verification of a person’s identity anywhere in the country by various means (Biometric – Fingerprint and Iris, demographic, and One Time Password to registered mobile phone or email id)9
10. AuthenticationNAME, GENDER, DoB . . . YES orNOand/orand/orBIOMETRICDemogrpahicOTPElectronicAadhaar No:2222 3333 444410
11. E-KYC platforme-KYC Services provide a platform for electronic verification of Identity and Address in electronic format for instant, efficient and secure service delivery11
12. e-KYCand/orBIOMETRICOTPElectronicAadhaar No:2222 3333 4444 Name Date of Birth Gender Address Photograph12
13. Aadhaar Authentication – Participants & TransactionAadhaar HolderAuthentication DevicesAUAASAUIDAI’sCIDRAuthentication RequestService DeliveryNecessary Updates & Confirmation5671234Yes / No Response13
14. Aadhaar as Financial Address NPCISBIICICISponsor Bank 1Department 1NameAadhaarAmountSachin2567 8765 45671000Rahul4252 6537 66551500AadhaarBank2567 8765 4567SBI4252 6537 6655ICICINameAadhaarAC NoSachin2567 8765 456712345678NameAadhaarAC NoRahul4252 6537 665556742344Sponsor Bank 2Department 2NameAadhaarAmountSachin2567 8765 4567800Rahul4252 6537 6655200ICICI AC No56742344Credit / Dept 1Rs 1500Credit /Dept 2Rs 200RahulSBI AC No12345678Credit / Dept 1Rs 1000Credit /Dept 2Rs 800Sachin14
15. 1111 2222 3333End-to-End Direct Benefit Transfer Enabled by AadhaarPension MGNREGAScholarshipxxxxx----- -----Radha 111122223333xxxxxyyyyy----- -----Radha 111122223333xxxcccc----- -----Radha 111122223333Bank1111 2222 33331. Aadhaar to de-duplicate databases4. Withdraw from any MicroATM – Choice and Convenience2. Aadhaar as KYC to open bank accountAadhaar Payment Bridge3. Aadhaar as a payment destination - Bank Account portability - Many schemes, one Aadhaar linked bank account5. Auditability and traceability of transaction15
16. DepositRemittanceSeedingBalance enquiryWithdrawalA/c OpeningAadhaar enabled micropayments for inclusive bankingInclusive bankingBusiness CorrespondentsMicro-ATMAadhaar authentication16
17. Biometric Auth Transactions (In Lakh)
18. Major Aadhaar Enabled Applications18
19. Aadhaar Enabled Public Distribution SystemDigitization of Ration cards and linking with AadhaarDistribution of Ration at Fair Price Shop (FPS) on biometric authentication of the beneficiaryElimination of duplicates and fake identitiesPilot Implemented at all 2155 FPS in Krishna District in Andhra PradeshEstimated Annual Savings of Rs 96.62Cr (Reported Krishna distt) (4.4 Lakhs/FPS)Full portability – beneficiary may draw ration from any FPSRolled out in all 13 districts in APOther states are in the process to implement Aadhaar Enabled Public Distribution System19
20. MGNREGSDigitization and linking of MGNREGS job cards with AadhaarSeeding of corresponding bank account of MGNREGS workers with AadhaarCredit of MGNREGS wages in beneficiary’s Aadhaar linked bank account over Aadhaar Payment BridgeCash payment using Biometric AuthenticationStatus:Implemented in 300 districtsOut of 9.5 crore Active MGNREGS workers, more than 53% are seeded with AadhaarSo far 2.84 Crore payments transactions made using Aadhaar Payment BridgeBenefits:Money reaching to beneficiary directly in his accountBeneficiary can withdraw his money through BC in his villageBeneficiary’s time & money is saved20
21. Direct Benefit Transfer in LPGLinking of LPG connection with AadhaarSeeding of corresponding bank account of the beneficiary with AadhaarCredit of LPG subsidy in beneficiary’s Aadhaar linked bank account over Aadhaar Payment Bridge Direct Benefit Transfer Scheme in LPG implemented across India60% of 16.33 crore Beneficiaries have been seeded with AadhaarAround 5.6 Crore Transactions every month over APB Around 66.3 Crore Transactions using Aadhaar Payment Bridge (APB) so farAccount based transfer scheme for remaining beneficiaries Give up Subsidy facility21
22. Prime Minister Jan-Dhan Yojna19.6 crore Bank accounts opened since the launch of PMJDY8.32 Crore PMJDY accounts have been seeded with Aadhaar Banks have opened 1.57 crore accounts using eKYCDirect Benefit Transfer of various Government schemes in PMJDY account of the beneficiary22
23. Applications using Aadhaar Biometrics Authentication Service delivery agencies authenticate residents using one of the biometric, either iris or fingerprint at the point of delivery.Biometric authentication is used for:Providing Ration at PDSPension PaymentsMGNREGS PaymentsManaging AttendanceAdding New BeneficiariesFinancial Transactions23
24. Aadhaar integration in Income TaxIncome Tax using Auth, e-KYC & SeedingSeeding of Aadhaar in PAN database by demographic authenticatione-filing of Income Tax return by OTP based Aadhaar Authentication Services started on 13th July 2015More than 50 Lakh tax payers filed return using Aadhaar24
25. Aadhaar integration in Income TaxBenefits to Residents: No need to send paper copy of AcknowledgementAssured receipt of AcknowledgementMoney & Time saving to submit AcknowledgementBenefits to Income Tax Dept: Processing of Acknowledgement not required No need of Data Entry of AcknowledgementNo Paper Record Management for AcknowledgementGreen initiative by saving paper25
26. OPD registration in AIIMS using AadhaarAIIMS launched Aadhaar based online registration and appointment portal on 11th June 2015Patient can now register online and take an appointment using Aadhaar based OTP authenticationBenefits to Residents:Ease of OPD Registration, scheduling appointmentLess waiting timeMoney & Time saving for multiple visits to hospitalBenefits to AIIMS: Increased trust due to transparent online system & use of Aadhaar as Unique Identifier in the databaseEasy queue management26
27. Aadhaar Enabled Applications…27
28. Thank You!!28harish.agrawal@uidai.net.in