Use of Aadhaar in e-governance 17 th April 2015 Ahemdabad

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1 Use of Aadhaar in e-governance 17 th April 2015 Ahemdabad Prashant Singh, ITS Assistant Director General, Regional Office, Mumbai Unique Identification Authority of India

2 Agenda Aadhaar- Overview Aadhaar Coverage Status Aadhaar enabled applications Recent directives of Government of India on Aadhaar

3 Aadhaar Overview

4 What UIDs would do in India Provision of a robust, one time, reusable, nationally on-line verifiable ID to those who do not have ID Leapfrog technology to the hands of billions of people from no ID to online ID To clean up existing databases through Uniqueness No duplicates No fakes Improve Targeting and Delivery of Services Reduce cost of Delivery of Services

5 Four demographics + twelve biometrics= 1 unique Aadhaar number Name Photo Address Gender Date of birth Both Iris 1 person 1 number 10 Fingerprints 5

6 Aadhaar delivered at doorstep 6

7 Aadhaar Coverage Status

8 Status of Aadhaar Coverage

9 All India State-wise Aadhaar Coverage S/N State Population Aadhaar Generated % Coverage 1 Delhi 167,53, ,89, % 2 Telangana 352,86, ,20, % 3 Andhra Pradesh 493,86, ,18, % 4 Kerala 333,87, ,20, % 5 Punjab 277,04, ,36, % 6 Haryana 253,53, ,22, % 7 Jharkhand 329,66, ,31, % 8 Maharashtra 1123,72, ,65, % 9 Karnataka 611,30, ,74, % 10 Madhya Pradesh 725,97, ,84, % 11 Rajasthan 686,21, ,37, % 12 Tamil Nadu 721,38, ,91, % 13 West Bengal 913,47, ,01, % 14 Gujarat 603,83, ,72, % 15 Odisha 419,47, ,57, % 16 Chhattisgarh 255,40, ,36, % 17 Uttar Pradesh 1992,81, ,43, % 18 Bihar 1038,04, ,29, % 19 Others 801,89, ,61, % Total 1,210,193, ,95, %

10 Aadhaar enabled Applications

11 Four Properties of Aadhaar Uniqueness It is achieved through de-duplication process involving biometrics Authentication Service e-know Your Customer (e-kyc) Financial Address Authentication using demographic/biometrics/otp) is Yes/No Response No Personal Identity is revealed Paperless, Consent Based Scalable, Secure and Complaint with IT Act 2000 Low Cost Unique number for lifetime Seamless transfer of G2P benefits directly into beneficiary bank account through RBI approved APB payment platform Hassle-free

12 What does UID Facilitate? Type of Service Proof of Identity Proof of Address Open a Bank Account Buy a Mobile SIM Card Obtain a Driving License Obtain PAN Card Obtain Passport Get a Ration Card Get a new LPG Connection Buy an Insurance Policy Reserve a Railway Ticket Enroll under New Pension Scheme Open a Pension Account Registration of Property documents, POA, Will & Marriage etc. Open a Demat Account Invest in a Mutual Fund

13 Aadhaar Authentication at a Glance CIDR 1:1 Match and/or* Name, Gender DOB, Address, YES *** OR NO and/or ** *and/or Single or multi-factor authentication **OTP One Time Pin ***Yes/No Would enable service provider to take business decision

14 Any Aadhaar enabled device can be used POS Terminals Supporting PIN/Biometric Authentication Mobile phone with biometric scanner - Supports PIN/Biometric authentication Laptop with fingerprint scanner Supports Demographic/Biometic/Pin based auth

15 E-KYC is Approved by Regulators Aadhaar based e-kyc Services provide a platform for verification of Proof of Identity (PoI) and Proof of Address (PoA) in the electronic format. At present following Regulators/Department have issued letter to accept Aadhaar based ekyc : Department of revenue (DOR) (Money laundering Act) Reserve Bank of India (RBI) Insurance Regulatory development Authority (IRDA) Securities Exchange Board of India (SEBI) Pension Fund Regulatory and Development Authority (PFRDA)

e-kyc Process KYC Authentication Device 1111 2222

16 Existing KYC Process vs. e-kyc Process Existing Process Photocopy - Document Storage 1. Takes Copy of document 2. Verifies with original Scanned image of Document e-kyc Process KYC Authentication Device e-kyc UIDAI e-kyc Service e-kyc flows directly to bank Servers with Audit Trail

17 Financial Address

18 Aadhaar as Robust Middleware Central Mapper for Aadhaar-Bank Accounts To avail a new services, just provide Aadhaar to the agency

19 Role of Aadhaar in Government Subsidy Food, Fertilizer, Fuel Education Health care and Life Insurance Pensions & Provident Fund MNREGS Housing

20 TPDS - Challenges? Last mile challenges highlighted and not the end-to-end supply chain challenges Existence of duplicate/ghost records of a beneficiary in government database Proof of Presence of the Beneficiary Transfer of Benefits to beneficiaries

21 So, why Aadhaar in TPDS? Uniqueness will ensure elimination of duplicate/ghost records Use of Aadhaar authentication will ensure physical presence of beneficiary at the time availing benefits In case where States/UTs choose to adopt Food for Cash or Direct Benefits Transfer, because Aadhaar is also a Financial Address, government department can transfer subsidy without having to worry of collecting Account Number and IFSC code

22 Recent Directives of Government of India on Aadhaar

23 Government of India Aadhaar based initiatives Universal Aadhaar enrollment of entire population by June 2015 Special enrolment drive for EPFO members, Prisoners, Children. Digitization and Linking of Aadhaar in PDS, MNREGA, Scholarships, Pensions, Passport, LPG and Prisoners Relaunch of Direct Benefit Transfer in LPG w.e.f 15 th November 2014 Jan Dhan Yojana to open Bank account for uncovered population Railway reservation for senior citizens SIM card issue on basis of Aadhaar Linking of Aadhaar with Voter List Jeevan Praman Certificate for pensioners 19-Apr-15 23

24 Aadhaar based Applications - Live MNREGS-APB All India PDS (AP and Telangana) Attendance system (Central Govt Department) Pension Payment (Andhrapradesh) Airport entry system (Pilot is completed at Bangalore) LPG Subsidy transfer Name Change and Registration for Leave&Licenses (Maharashtra)

25 Service Delivery through Aadhaar-AP Sl No 1 Scheme Fakes/ Ghosts/ UID Seeded UID Migrated/ Balance Benf. Count (In Seeding Dead/Duplicates (In Lakhs) Lakhs) % etc (in Lakhs) A B C (A-B) D E (D/C) Total Benf. (In lakhs) SOCIAL SECURITY PENSIONS % 2 SC SCHOLARSHIPS 3.02 Student need to apply with UID. This resulted in prevention of applications in the name of dubious/ nonexistent students % 3 ST SCHOLARSHIPS % MINORITY SCHOLARSHIPS % BC SCHOLARSHIPS % EBC SCHOLARSHIPS % 7 PDS % 8 MGNREGA %

26 Service Delivery through Aadhaar-Telangana 1 Scheme SOCIAL SECURITY Total Balance Seeding UID Beneficiari Fakes/ Ghosts/ Migrated/ Beneficiari Count Seeding es (In Dead/Duplicates etc (in Lakhs) es (In with UID % lakhs) Lakhs) (In Lakhs) A B C (A-B) D D/C PENSIONS * % SC SCHOLARSHIPS 2 ** % 3 ST SCHOLARSHIPS 0.45 UID Seeding resulted in % MINORITY prevention of applications in the name of dubious/ non-existent students 4 SCHOLARSHIPS % 5 BC SCHOLARSHIPS % 6 EBC SCHOLARSHIPS % 7 PDS * ** lakh ration cards and lakhs bogus /nonexistent units were identified with Aadhaar seeding from June to Dec.14 in epds (after reducing lakh units which did match with SRDH/ no UID units) 91% 8 MGNREGA %

27 A.P Pensions March 2015 AEPS (Aadhaar payments) District Total Pensioners Disbursed% Total AEPS%* * AEPS Transactions AEPS Amount in (Rs) Anantapur 3,73, ,85,133 29,68,11,500 Chittoor 3,73, ,96,388 30,88,76,500 Cuddapah 2,38, ,95,647 20,32,06,000 East Godavari 4,55, ,15,402 33,27,95,500 Guntur 3,49, ,78,412 29,51,42,500 Krishna 3,18, ,86,564 30,22,84,500 Kurnool 3,02, ,42,133 25,78,22,500 Prakasham 2,81, ,16,422 22,88,14,000 Nellore 2,47, ,93,814 19,94,51,000 Srikakulam 2,69, ,03,219 21,35,35,000 Visakapatnam 3,04, ,05,592 21,65,02,000 Vizianagaram 2,42, ,62,849 17,30,49,000 West Godavari 3,31, ,59,070 27,54,29,500 Total 40,88,580 (40,97,862) 92.6% (93.6) 83% (81.72) 31,40,645 (31,32,707) 3,30,37,19,500 (3,30,75,98,200)

A.P MNREGA March 2015 AEPS District (Aadhaar payments) AUA AEPS% of total disbursed www.uidai.gov.

28 A.P MNREGA March 2015 AEPS District (Aadhaar payments) AUA AEPS% of total disbursed AEPS Transactions AEPS Amount in (Rs) ANANTAPUR DoP 100 4,39,827 27,84,76,616 CHITTOOR DoP 100 1,45,973 10,40,98,070 CUDDAPAH DoP ,207 6,48,99,317 EAST GODAVARI DoP ,04,837 6,93,02,253 GUNTUR DoP ,756 6,16,45,222 KRISHNA DoP ,605 3,72,32,187 KURNOOL DoP ,39,039 7,85,66,614 PRAKASAM DoP ,492 6,49,95,560 S.P.S NELLORE DoP 100 1,14,876 5,37,56,651 SRIKAKULAM DoP ,19,668 17,48,28,290 VISAKHAPATNAM DoP ,56,597 8,82,13,078 VIZIANAGARAM DoP ,41,375 29,09,60,039 WEST GODAVARI DoP ,171 5,00,35,541 TOTAL 94% (95%) 23,50,423 (2,16,779) 141,70,09,438 (15,57,43,072)

29 Telangana MGNREGA (Modalities of Wage Payments) Assignment/Split of Wage seekers in 3 modalities (72.53 Lakhs) DOP model (AEPS) Bank Model (Partial AEPS) CBS Model (NEFT)* District Lakhs 7.0 Lakhs Lakhs March 2015 MGNREGS Aadhaar Payments (AEPS Mode) Paying Agencies /Models AEPS Transactions AEPS Amount in (Rs) Adilabad DOP, NEFT 1,58,402 10,42,76,529 Karimnagar NEFT,ICICI No AEPS Khammam NEFT No AEPS Mahabubnagar DoP, ICICI,NEFT 23,307 1,48,20,027 Medak DoP, ICICI,NEFT 69,913 3,74,28,077 Nalgonda DoP 31,604 1,76,40,527 Nizamabad DoP 88,239 5,08,01,581 Rangareddy NEFT No AEPS Warangal DoP,NEFT 28,414 1,54,20,912 Total 3,99,879 24,03,87,653

30 Aadhaar attendance portal

31 Aadhaar attendance portal

32 Thanks 19-Apr-15 32

AADHAAR PAYMENT BRIDGE SYSTEM

VERSION 1.1 SEPTEMBER 17, 2016 AADHAAR PAYMENT BRIDGE SYSTEM FAQ-CONSUMER NATIONAL PAYMENTS CORPORATION OF INDIA Frequently Asked Questions (FAQs) on Aadhaar Payment Bridge (APB) System 1) What is Aadhaar