AADHAAR APPLICATIONS

UIDAI,RO Hyderabad

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Schema of Presentation

• Aadhaar Mandate

• Enrolment and UID Generation

• Seeding

• Authentication

– e-KYC

• Applications

Aadhaar – Mandate

UIDAI issues UID numbers.

• It gives every resident of India, a Unique Identification Number (Aadhaar)

UIDAI offers authentication services.

• It helps an agency offering services to establish the identity of the resident

with biometric or demographic data. The agency offering services can query UIDAI as to whether the UID + biometrics match and an answer in “Yes” or “No” is given by UIDAI. Similarly, a query as to whether UID+ name match can also be made

UID is a financial address.

• UIDAI links UID number with bank account. By advising transfer of money to a particular UID number, the amount is credited to the bank account linked to this UID

Architecture - Enrolment

Aadhaar – Identifier for Life

• One number for a person, for life

– Number once issued, will not be re-used

• Facility to update both Demographic & Biometric information

– Webportal, Post, Permanent Centres

Standardized identity attributes

No duplicates(1:N check)

Minimal demographic data collected

1 person1 number

Name Address Gender Date of birth

Photo

Both

Iris

10 finger-

prints

UID = 1568 3647 6218

Basic demographic data and biometrics stored

4 demographics + 3 biometrics = 1 unique Aadhaar number

Features of Aadhaar

Only Numbers – No Smart Cards

Random Numbers – No Intelligence, No Profiling

All Residents – Including Children

Uniqueness – Ensured through biometric attributes

No Guarantees to Citizenship, Rights, Entitlements

Security and Privacy of Information Collected

Ubiquitous Online Authentication

Aadhaar Letter

Data printed on the Aadhaar Letter:

1. Aadhaar

2. Name

3. Address

4. DOB

5. Gender

6. Photograph

How to check the Enrolment status ?

• IVR - 1800 300 1947

• Web

– http://resident.uidai.net.in/

• SMS

– UID STATUS <14 digit enrolment number>" (e.g. UID STATUS 12345678901234) to 51969

– Nominal SMS charges

Generate e-Aadhaar

Self Service Update Portal - Demographic data

Updation of Bio-metrics

Biometrics (photo, finger prints, Iris) of a Aadhaar Holder can also be updated at permanent enrolment centres.

After 5 and 15 years of Age updation of biometrics is Mandatory.

What is Seeding

Aadhaar Seeding is a process by which UID of a beneficiary is correctly added to the departmental database. As a result, the database contains details of beneficiary such as name, beneficiary identifier (such as job card no, pension no etc), and UID.

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Why Seeding

To establish identity of a beneficiary

To avoid repeated KYC Checks/ verification

De-duplication & Cleansing of Database by removing duplicates/fake/ghost names

To initiate Aadhaar enabled Direct Benefit Transfer

Facilitates link-up with other Scheme databases -- Middle wire

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• Digitization of beneficiary database

Digitization

• Beneficiary database should be centralized

Centralization

• Targeted Aadhaar enrollment of beneficiaries

Aadhaar Saturation

• (12-digit) data field and/or

• EID number (28-digit) field

Provision for Aadhaar

Pre-requisites for Aadhaar Seeding

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Collect - Verify - Seeding

• Aadhaar details may be collected using different channels

Collection

• Aadhaar can be verified using applications / services provided by UIDAI

Verification • Once verified,

Aadhaar may be seeded in the beneficiary database

Linkage

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Collection of

Aadhaar

Aadhaar

Letter/ eAadhaar

SMS

IVRS

Portal Mobile

App

Camp

Door to door

Drop-box

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Seeding Status in Major Schemes : Andhra Pradesh

S. No Scheme Total Benf. (In

lakhs)

Fakes/ Ghosts/ Migrated/

Dead/Duplicates etc (in Lakhs)

Balance Benf. (In Lakhs)

UID Seeded Count (In

Lakhs)

UID Seeding %

A B C (A-B) D E (D/C)

1 PUBLIC

DISTRIBUTION SYSTEM

452.67 (129.2 lac cards)

67.19 388.99 377.59 97%

2 MGNREGA 99.85 10.27

(2.01 dead +6.68 migrate +1.58 dups)

89.58 83.78 94%

3 SOCIAL SECURITY

PENSIONS 47.06 6.54 42.43* 41.53 98%

4 SC SCHOLARSHIPS 2.97 Student need to

apply with UID. This resulted in

prevention of applications in the name of dubious/

non-existent students

2.97 2.97 100%

5 ST SCHOLARSHIPS 0.60 0.60 0.60 100%

6 MINORITY

SCHOLARSHIPS 1.04 1.04 1.04 100%

7 BC SCHOLARSHIPS 7.24 7.24 7.24 100%

8 EBC

SCHOLARSHIPS 2.61 2.61 2.61 100%

20 * Social Security Pensions: This includes 1.91 Lakhs new pensioners sanctioned

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S. No Scheme Beneficiaries Seeded % Seeded

1 School Education Dept. (Sarva

Siksha Abhiyan) 59,67,843 56,26,559 94.3

2 CCLA - Webland (Total No. of

Pattadars) 76,19,047 67,14,452 88.2

3 Housing 36,82,444 33,81,989 90.91

4 RTA- Drivers 53,33,771 38,18,804 71.6

5 RTA- Vehicle Owners 65,92,959 58,09,626 88.12

6 Electricity Connection- EPDCL 51,89,969 50,41,482 97.14

7 Electricity Connection- SPDCL 85,47,772 84,31,313 98.64

8 Electricity Connection- RESCO

(Kuppam Operation Area) 75,188 74,037 98

9 Municipal Property Tax Payers 26,71,634 17,49,606 65.49

10 Premetric - BC Welfare 1,11,823 1,11,823 100

11 Premetric - SC Welfare 3,38,708 3,38,708 100

12 Premetric - ST Welfare 35,792 35,792 100

13 Premetric - BC Hostel Students 91,756 90,574 98.71

14 SHG-Book 69,40,546 68,69,436 98.9

OTHER SCHEMES SEEDING : ANDHRA PRADESH

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Success Story: Kerala Education dept.

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• Kerala Education Department took active interest in

enrolment of all students across the state.

• The software portal Sampoorna was enhanced to

enable collection of Aadhaar and EID.

• Once Aadhaar collection was completed, a GO was

issued to use the student database to determine

teacher-fixation count from 2014 onwards.

• System targeted a total of 34.53 lakh students and

de-duplicated 5.35 lakh records

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Impact of the pilot

• Given that the teacher student ratio is 1:25, this

decrease in student count may result in a potential

decrease in the number of teacher posts in future by

around 21,403.

• A GO was issued by the department to use the

updated student database to base teacher-fixation

count from 2014 onwards.

• Notional savings of about Rs.600 cr/ year

• What is APB ? It is a unique payment system implemented by National

Payments Corporation of India (NPCI), which uses Aadhaar number as a central key for electronically channelizing the Government subsidies and benefits in the Aadhaar Enabled Bank Accounts (AEBA) of the intended beneficiaries.

Aadhaar Payments Bridge

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Advantages : Departments need not maintain Bank Details like IFSC code,

Accont number etc Beneficiary can change Bank with out informing to Department

1. All direct transfers into one bank account through APB 2. APB already deployed and operational 3. APB can handle crores of transactions on a daily basis

Aadhaar Payments Bridge

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Aadhaar Payments Bridge (APB)

Multiple Schemes

One Aadhaar linked account

DBTL (PAHAL)

• Total Savings occurred to Govt. is approx. Rs. 8,500 Cr in FY 2014-15.

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Aadhaar Authentication

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A digital online verification platform, to enable residents to prove their identity and for service providers to confirm that the residents are ‘who they say they are'

YES *** OR

NO

**OTP – One Time Pin

Aadhaar Authentication

Modalities

*and/or – Single or multi-factor authentication

***Yes/No – Would enable service provider to take business decision

CIDR

Name, Gender DOB, Address, …

and/or*

and/or

1:1 Match

OTP

OTP Request

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• Demographic attributes like Name, Date of Birth, Gender, Address etc. can be used

Type 1 – Demographic Only – Single Factor

• Authentication using One Time Password (OTP) alone

Type 2* – OTP Only – Single Factor

• Authentication using Biometrics (single factor authentication) – Fingerprint/ Iris

Type 3* – Biometrics only – Single Factor

• Authentication using Biometrics (Fingerprint/ Iris) and OTP (two factor authentication)

Type 4* – Biometric & OTP – Two Factors

• Authentication using Fingerprint biometrics, Iris and OTP (three factor authentication)

Type 5* – Three Factors

Aadhaar Authentication Types

*Any of the demographic attributes may also be used in Type 2 to Type 5

Biometric FP authentication

YES OR NO

One or more

One or more

Fingerprint Image record

Fingerprint Minutiae record

Any or All

Size of about 150KB

Size of less than 300 bytes

Authentication Ecosystem

(Overview)

Aadhaar Holder

Auth

Server

Leased lines

ASA

ASA

ASA

ASA

ASA

AUA

AUA

UIDAI Data Centre

Sub-AUA

Authentication Devices

AePS -- Interoperable cash withdrawal

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4. Authenticate

2. AADHAAR number, money transfer instruction, biometrics

Resident

BC with Micro-ATM

Ram’s bank account

BC’s bank account

Interoperable Switch

1. Withdrawal request

3. Forward to switch

6. Debit

7. Credit

8. Inform: Call / SMS

9. Cash

UIDAI

5. Authorize

Aadhaar Daily Authentications (All

modalities)- Nov’ 2015

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5

10

15

20

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01

-No

v

03

-No

v

05

-No

v

07

-No

v

09

-No

v

11

-No

v

13

-No

v

15

-No

v

17

-No

v

19

-No

v

21

-No

v

23

-No

v

25

-No

v

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-No

v

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-No

v

Pan India Authentications (In lacs)

Overall

FP

IRIS

Demographic

OTP

Around 80% of daily txns are noticed from A.P & Telangana states

e-KYC

• Based on Authenticaiton

• Photo+Demographic Details (Digitally Signed)

shared after successful authentication.

• Applications

– Instant Bank Account Opening

– Application for Telecom Services

– Seeding of New Benefeciary

– Insurance Application.

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Applications

• APB - DBT,Scholarships, Housing schemes

• DBTL (PAHAL)

• AePDS

• Social Security Pensions

• Scholarships

• MNREGS

• Jeevan Praman

• e –KYC

• AEBAS, Attendance in Social welfare Hostels

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AePDS- a.p

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PDS scenario prior to Aadhaar Issue with Beneficiary list:

– Non-existent, duplicate, bogus, migrated families/units

– Absence of master data

– Multiple drives multiplying the no of cards but saturation never achieved

– Lack of proper tracking system

– At certain point, no. of cards exceeded number of households in the state

– As Ration card linked with other social security and health schemes, overall budgetary inflated for the state

Issue with distribution (PDS): • Manual system of distributing Ration- scope for numerous irregularities • Proliferation of bogus cards i.e., cards with no corresponding real beneficiaries. • No mechanism to prevent fake entries in sales register without the cardholder

actually purchasing the ECs. • The closing balances are collected manually and subjectivity involved • Diversion of ECs • Denial of rightful entitlement • Over-pricing • Defeating the very purpose of the PDS

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Aadhaar Enabled Public Distribution System (AePDS) is a pioneering initiative to transparently identify the beneficiaries of PDS and to issue them their entitled quota of ration with improved quality of service. This initiative greatly contributes to ‘Targeted Public Distribution System (TPDS) and thus help stoppage of diversion of food grains to others.

Features of AePDS; • Seeding of Ration Card database with Aadhaar numbers

• De-duplication of beneficiaries with Aadhaar

• SMS to beneficiaries on arrival of goods at FP Shop

• Aadhaar On-line Authentication at FP Shop, to conclusively determine the real beneficiary for issuance of ration

• Captures electronic logs of all transactions/ authentication attempts

• Comprehensive MIS

• Provision for exceptions

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What is AePDS ?

• In the 1st phase, 7789 ePoS Devices-cum-Electronic Weighing Machines were installed at 7789 F.P. Shops. •In 2nd phase, 20,810 ePoS Devices-cum-EWMs at 20,810 F.P. Shops. Around 28,000 FP shops are equipped with e-PoS enabled as on today . • e-PoS is equipped with FP and IRIS sensor. •ePoS devices are connected to ePoS server using GPRS/3G Network. • At present, Commodities to Anganwadis also routed throguh e PoS N/W. • Any Family member (unit) can with draw Ration. • Portability : Beneficary can draw rartion from any e – PoS enabled •End t oEnd Digitised solution.

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AePDS - AP

Distribution of Commodities through ePoS device

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November 2015 Ration Distribution – At a Glance

District Name Total

Shops Total Cards

Availed Cards

Availed Cards(%)

Auth %

Srikakulam 1,959 7,40,215 6,12,649 83% 88%

Vizianagaram 1,344 6,32,118 5,62,344 89% 92%

Visakhapatnam 1,603 9,44,421 7,95,383 84% 88%

East Godavari 2,444 13,96,734 12,37,284 89% 93%

West Godavari 2,085 11,10,648 9,84,886 89% 94%

Krishna 2,166 11,30,386 9,89,749 88% 92%

Guntur 2,731 12,91,151 10,71,858 83% 90%

Prakasam 2,083 8,19,837 6,58,146 80% 89%

S.P.S Nellore 1,846 8,16,143 6,33,845 78% 89%

Y.S.R Kadapa 1,692 6,99,723 5,72,766 82% 92%

Kurnool 2,372 10,28,126 8,54,563 83% 91%

Anantapur 2,842 9,93,028 8,76,639 88% 88%

Chittoor 2,788 9,67,017 8,34,192 86% 91%

Total 27,955 1,25,69,547 1,06,84,304 85% 91% *About 600 shops are in signal shadow areas which are yet to be

operationalised

Savings due to Aadhaar Seeding

1 No. of BPL Ration Cards existing prior to Aadhaar seeding 1,37,89,537

2 No. of BPL Ration Cards after Aadhaar seeding 1,29,31,004

3 No. of Cards reduced on Aadhaar Seeding 8,58,533

4 No. of Units existing prior to Aadhaar seeding 4,51,52,747

5 No. of units after Aadhaar Seeding 3,58,79,468

6 Net Reduction in Units after Aadhaar Seeding 67,19,041

7 Saving in Rice Quantity per Annum (in MTs) 403142.46

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State Government savings in Subsidy due to reduction of quantity on aadhaar seeding per Annum (3,33,854.976 MTs * Rs. 30,000.00) (in Rs.)

Rs. 1001 Cr

Reduction in No. of Ration Cards & Units on Aadhaar Seeding and Savings in Subsidy

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S. No. Month Rice Sugar Wheat

1. April, 2015 2671.333 68.397 2.245

2. May, 2015 3891.052 196.304 8.669

3. June, 2015 5246.000 252.142 210.955

Total 11808.385 516.843 221.869

The following quantities of essential commodities have been saved

during 1st quarter of 2015-16 due to distribution of E.Cs through

AePDS: (Quantity in MTs)

Thus, 11808.385 MTs of Rice, 516.843 MTs of Sugar and 221.869

MTs of Wheat have been saved during 1st quarter 2015-16 due to

distribution of essential commodities through ePoS Devices.

Savings on Kerosene against allotment of 22,224 KL: 1530 KLS

was saved due to Implementation of AePDS System. Thus an

amount of Rs.3.8 Crores per month has been saved on Kerosene

subsidy

Details of Savings- Authentication

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MGNREGS AND PENSIONS

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Source: DOP AEPS payments in MGNREGS

Savings per month As a result of Aadhaar Authentication, wages shown as due against bogus or non-existent residents are not getting drawn there by resulting in an average savings of about Rs.20 Cr. per month during the work season

Annual Savings Rs.120-140 crore is the minimum estimated savings in one Financial Year, as MNREGS works are about for 6-7 months a year.

MGNREGS Savings with Aadhaar

Total Beneficiaries 99.36 Lakhs

Ghosts eliminated with UID seeding after due verification

10.03 lakhs

Beneficiaries seeded with UID (de-duplicated)

83.4 lakhs (93%)

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Social Security Pensions- A.P

Disbursements through Android based application

Tablet PC issued to Panchayat Secretary of each village and to bill collector in urban wards (Door Delivery of Pension).

Another Initiative of Interoperable AePS is running in 186 villages of Krishna district as a pilot through NPCI platform using Banks

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Total Beneficiaries 47 Lakh

Ghosts eliminated with UID seeding

6.54 lakhs Ghosts are successfully eliminated after due verification. So far resulting in a savings of 65.4 Cr. Per month i.e. Rs.780 Crores per annum

Beneficiaries seeded with UID 41.53 Lakhs (98%).

Pensions Savings with Aadhaar

Aadhaar Authentication (AEPS) in Pensions A.P- advantages seen

Savings (source: DOP) Rs. 45.11 Cr is left out as undisbursed in April 2015 by DOP. Estimated per annum-Rs. 541 Cr

12,995 tablets procured for Pensions

Considerable amount is invested for procuring tablets @ Rs.20,000/- per set including Auth devices.

Door delivery Delivery at Door steps to the old age people. This also ensures genuine beneficiary receives the pension

1.91 lakh new benf.added With the money saved, state government is in a position to cover additional pensions to new eligible beneficiaries.

Alternate mechanism for no Aadhaar cases

No denial of service. VRO Authentication is in place.

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Pilot of Inter-operable AEPS– A.P Pensions November’15

APB transactions- (Krishna district) for Inter-operable AePS

LOCATION Month SCHEME

DESCRIPTION No. of Pensioner Accounts COUNT AMOUNT(INR)

Krishna district

Nov’15 OLD AGE PENSION,

Govt. of A.P 78,956 814.89 lakhs

Inter-operability initiative aimed towards FI, Creation of savings habit among rural & urban poor, Stimulation of economic growth, Easy mgmt. for banks without need of brick & mortar branches

Inter-operable pilot is now implemented in 368 Micro-ATM locations of ‘38’ Mandals (blocks) of Krishna district with participation from Andhra Bank, SBI, Canara, Indian, Syndicate, Vijaya & Corporation Banks

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Authentication using Android Tablet- A.P Pensions-

November data

District AEPS% Of Total

Disbursed AEPS Transactions

AEPS Amount in (Rs)

ANANTAPUR 85.37 3,13,525 33,20,58,500

CHITTOOR 75.46 2,85,498 29,88,14,500

CUDDAPAH 88.21 2,06,946 21,85,44,500

EAST GODAVARI 73.35 3,35,773 35,60,52,500

GUNTUR 81.8 2,84,704 30,55,24,500

KRISHNA 97.56 2,40,917 25,86,01,000

KURNOOL 85.38 2,48,900 26,70,31,000

PRAKASAM 80.28 2,20,159 23,73,08,000

S.P.S NELLORE 78.33 1,73,642 18,44,72,500

SRIKAKULAM 74.71 1,97,623 20,87,66,500

VISAKHAPATNAM 69.82 2,06,247 21,79,18,000

VIZIANAGARAM 81.67 1,95,922 20,73,06,000

WEST GODAVARI 80.4 2,65,122 28,51,93,110

Total 80.38 31,74,978 3,37,75,90,610

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Beneficiary’s Life Cycle

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Reuse of PDS network

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• Cashless PDS & PDS Pension Integration

Enabling cashless PDS disbursement Direct Debit from UID linked Bank account Direct Debit from Social Security Pension account with Balance and

Without Balance (Ensuring Food security ) Direct Debit from MNREGS account Using RuPay card

Using 28K+ ePOS network as a BC Network . Enabling Utility payment like electricity bill through ePoS. Delivery of Subsidized items like seeds, fertilizers to the farmers

• Jeevan Pranam using available network At Pension touch points: SHG member, VRO, VRA (BC points, where additionally

cash transaction can be done- debit/credit) Self-service kiosk at GP level. (A simple tablet with Biometric sensor) PDS touch points MGNREGS service delivery points Mee-seva centers

Food Security for Pensioners

Summary

• UID - Financial address

• APB – All Major Banks are Participating.

• AePS – Inter Operable Payments ( Krishna Pilot)

• Seeding – For purification of Ben. Data. Helps in miniming leakages.

• Authentication – Demo, Bio, OTP . Min BW for Auth Txns . GPRS is sufficient.

• UID Based Applications .

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Thank You

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