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The Aadhaar project 26 th February 2013. UIDAI Structure of the presentation. Overall mandate of the Aadhaar Project Aadhaar and it’s potential Direct Benefit Transfer and Aadhaar Concerns and responses. Overall mandate of the Aadhaar project. Context.

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The Aadhaar project 26 th February 2013

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Presentation Transcript
structure of the presentation

Structure of the presentation

Overall mandate of the Aadhaar Project

Aadhaar and it’s potential

Direct Benefit Transfer and Aadhaar

Concerns and responses

  • Providing a formal identity proof to millions of residents
  • This identity proof would be a gateway to access services
  • Need to streamline government expenditure – cut wastage and leakage
  • Need for a transparent and accountable system of public expenditure
  • Social inclusion project with a developmental focus
  • UIDAI established by an Executive Notification in January 2009 by the Planning Commission
    • To generate and assign Unique ID Numbers to Residents
    • Define usage and applicability of UID for delivery of various services
  • Enrolment – One time activity, to establish uniqueness
  • Online Authentication – Transactional, at delivery of service
uidai issues aadhaar numbers
UIDAI issues Aadhaar numbers…

UID  Unique number  Random number







Basic demographic data and biometrics stored

Standardized identity attributes

No duplicates(1:N check)

Minimal demographic data collected

UID = 1568 3647 6218

and authenticate ids online real time
… and authenticate IDs online, real-time

Authentication - ‘Are you who you claim to be?’

Central UID database

1:1 check, no ID fraud

Only YES/NO response, no details – no invasion of privacy

Person can see self-details, no one else can

UID = 1568 3647 4958

where are we today
Where are we today…

Started issuing in Sept 2010

28 croreAadhaars issued so far

More than 30 crore residents enrolled

Target – 60 crore by 2014

service delivery potential due to authentication
Service Delivery potential due to Authentication
  • Transactions normally require verification of identity
  • Aadhaar online authentication will provide a common platform which can be used across all transactions and other applications.
  • Entitlements should reach the intended beneficiary – non-transferability can be ensured
  • This can be effectively done by authentication at the point of service delivery
  • Many sectors will be able to use as a proof of presence for the beneficiary

Aadhaaraccepted as KYC for…

LPG Connections

Mobile connections

Bank A/Cs, Insurance, etc.





State Government Services


Train Travel



Many other services…

aadhaar e kyc service
Aadhaar e-KYC Service

“Instant” Opening of Bank Account through a Micro-ATM based on Aadhaar authentication – hugely empowering to the unbanked

The Aadhaar e-KYC service instantaneously provides basic data (name, address, date of birth, gender, photograph) of the beneficiary to the Bank upon successful Aadhaar authentication.

The e-KYC service can scale up to lakhs of transactions on a daily basis

Provides convenience to the unbanked. Enables opening of large number of bank accounts on scale.

all direct cash transfers into one account
All direct cash transfers into one account



Aadhaar Payments Bridge





APB Compatible with CPSMS

end to end direct benefit transfer enabled by aadhaar
End-to-End Direct Benefit Transfer Enabled by Aadhaar



2. Aadhaar as KYC to open bank account

1111 2222 3333

1111 2222 3333


Aadhaar Payment Bridge


3. Aadhaar as a payment


- Bank Account portability

- Many schemes, one Aadhaar linked

bank account

Radha 111122223333

Radha 111122223333

Radha 111122223333

4. Withdraw from any MicroATM – Choice and Convenience

1. Aadhaar to

de-duplicate databases




----- -----


----- -----

----- -----

5. Auditability and traceability of transaction

micro atm transactions

Micro-ATM transactions

Handheld device and battery powered

Online connectivity through mobile network

Micro-ATM standards set by RBI and IBA (manufactured by multiple vendors)

Biometric scanners are certified

Interoperable devices and can work for any bank and any BC

Total online transaction time less than 15 seconds –

Verified on the ground from Tripura, Jharkhand, Maharashtra, and Andhra Pradesh

convenient cash withdrawal
Convenient cash withdrawal

Ram’s bank account


8. Inform: Call / SMS

5. Authorize

6. Debit

1. Withdrawal request

9. Cash

4. Authenticate

Interoperable Switch


3. Forward to switch

7. Credit

2. AADHAAR number, money transfer instruction, biometrics

BC’s bank account

BC with Micro-ATM

inclusive convenience banking
Inclusive convenience banking

ID mapper

Any Bank

Resident - Ram

UID 2563 8564 4663

8. Info- IVRS/ SMS

6. Debit

Any amount

4. Authenticate and execute

Ram’s bank a/c

1. Withdrawal request

NPCI switch

5. Authenticate

Any micro-ATM

9. Cash

7. Credit


From UID 2653 8564 4663

To UID 7233 5968 3094

Amount 300

3.NPCI request

Any BC

2. Money transfer instruction + biometrics

BC (Kirana, SHG, PO etc))

With Micro-ATM

UID: 7233 5968 3094

BC’s bank a/c

components of the benefit transfer system
Components of the benefit transfer system

One-time steps:

  • Aadhaar enrolment
  • Bank accounts for every beneficiary and Aadhaarlinkage
  • Digitisation and Aadhaar seeding of beneficiary lists
  • Aadhaar e-KYC service

Recurring steps:

  • Aadhaar Payments Bridge
  • On-line authentication service
  • Interoperable cash withdrawal points
issues on the legal status of the uidai
Issues on the legal status of the UIDAI
  • UIDAI functioning under executive notification issued in January 2009 by Planning Commission
  • Functioning of Authority under executive notification valid under law
  • NIDIA Bill is to strengthen the Authority by giving it a statutory status in order to impose certain obligations and impose penalties
to conclude
To conclude…
  • The Aadhaar number is a form ofempowerment to those who had no proof of formal identity
  • Empowerment is achieved by providing access, choice, empowerment and convenience
  • Government spends large amounts on social welfare programmes

Obligation on State to have the capacity to ensure effective implementation as well as reduce leakage and corruption.

  • The expenditure should reach the intended beneficiary
  • The Aadhaar project is one of the means by which efficient delivery of service and inclusion with access can be enhanced. Not a panacea for all issues of corruption.
  • Large technology projects have costs and risks but the public benefit far outweigh potential risk