WELCOME

UID MANAGED BY J & K BANK IN

JAMMU & KASHMIR”

Presented By: Mr Zameer Bandh

The Jammu and Kashmir Bank Limited was incorporated

on 1st October 1938 and commenced business on 4th

July 1939 at Kashmir (India).

The bank is the 1st state owned bank in the country.

According to the extended Central laws of the state,

the J&K bank was defined as a government company as

per the provisions of Indian companies act 1956.

It was declared as “A” class bank by RBI in1976.

ABOUT THE COLOURED SQUARES:

The three colored squares represent the regions of

Jammu, Kashmir and Ladakh.

The counter-form created by the interaction of the

squares is a falcon with outstretched wings – a symbol

of power and empowerment.

Green signifies growth and renewal, blue conveys

stability and unity, and red represents energy and

power.

THE UID PROJECT:

Name and logo:

UID project is known as AADHAAR meaning 'support' or 'foundation',

and its logo is a yellow sun with a fingerprint embedded in its centre.

The logo was designed by Atul Sudhakar Rao Pande.

ABOUT UIDAI

The Unique Identification Authority of India (UIDAI), is an

agency of the. Government of India responsible for implementing the

envisioned AADHAAR a unique identification project in India.

It was established in February 2009, and will own and operate the

Unique Identification Number database.

The authority will aim at providing a unique number to all

Indians. The authority would provide a database of residents

containing very simple data in biometrics

SAILENT FEATURES OF AADHAR:

Aadhaar is a 12-digit unique number which the Unique

Identification Authority of India (UIDAI) will issue for all

residents in India.

The number will be stored in a centralized database and

linked to the basic demographics and biometric information

– photograph, ten fingerprints and iris – of each individual.

It is easily verifiable in an online, cost-effective way. So also,

it is unique and robust enough to eliminate the large number

of duplicate and fake identities in government and private

databases

The random number generated will be devoid of any

classification based on caste, creed, religion and geography.

LAUCH OF THE AADHAR:

UIDAI launched AADHAAR program in the tribal village,

Tembhli, in Shahada, Nandurbar, Maharashtra on 29

September 2010. The program was inaugurated by

Prime Minister, Manmohan Singh along with UPA

chairperson Sonia Gandhi. The first resident to receive

an AADHAAR was Rajana Sonawane of Tembhli village.

OBJECTIVES OF MY STUDY

To study the process of UID in Jammu and

Kashmir under Jammu & Kashmir bank and

controlling system in Jammu and Kashmir.

To study the different advantages of UID in India

and particularly in Jammu & Kashmir.

RESEARCH METHODOLOGY:

Sources of data collection:Primary as well as secondary methods used.

Sample size:100 respondents.

Sampling procedure:Convenient sampling.

Research design:Descriptive Research.

REVIEW OF LITERATURE:

1] The AADHAR or UIDAI (aka Unique Identification Authority Of India)

API (Application Programming Interface) has been released for

software engineers free of cost. For the uninitiated, UIDAI is India’s

ambitious project to identify every Indian citizen uniquely and

provide them with an identification number which can be used

across India to avail facilities and services. The project is being

headed by NANDAN NILEKANI, former CEO of Infosys – India’s

leading IT service company

NILEKANI’S idea is to accelerate this process by opening the API to

independent software developers and vendors. Using this API,

developers will be able to send the UID of a user to the servers and

the server will respond with YES/NO.

Posted by KAUSTUBH KATDARE on June 25, 2011

2] Aadhaar project is Unconstitutional- By: Gunjan Singh

Gunjan Singh lawyer has written that the congress party is in herby to

launch its project because they don't have any legal permission and the

government of India has to pay attention towards the constitutional of

unique identification project. They are wasting the Indian people money on

such project and government does not care about Indian money and interest

of Indian public.

According, to Gunjan Singh even the constitution of India has been totally

neglected by Congress government. He further maintains that Congress

government is taking anti national steps and neither the Indian court nor

the Parliament challenging it.

There is no law for Aadhaar project or unique identification authority of

India (UIDAI) and no is there any scrutiny as by the Indian constitution,

There are so many project are already going on Aadhaar should not start in

hurry.

A LOOK AT HOW THE CARD LOOKS: Front view

Back Side View

UID – AN UNDERTAKING OF J & K BANK IN J & K

Memorandum of Understanding between the Unique Identification

Authority of India and the Government of Jammu and Kashmir for the

implementation of the UID Project.

Jammu and Kashmir bank has selected prominent system integrator and

service provider. Finacle Software for helping the bank in providing

unique numbers to citizens of the country under the government-led

Unique Identification (UID) or the Aadhaar program.

The bank, which is one of the registrars for UID, gave the project to

finacle through a tendering process.

Under the UID program, a unique 16-digit number is being given to each

citizen with a database of individuals containing very simple data in

biometrics.4 digit of branch code +12 digits ,branch code uniquely

identifies a bank is called sol-id and 12 digits identifies every individual.

FUNCTIONS TO BE PERFORMED BY J & K BANK AS A REGISTRAR OF

UIDA:

Co-operate and collaborate with the UIDAI in conducting proof of concept

(PoC) studies, pilots to test the working of the technology and process of

enrolment in the UID database.

Follow the criteria and processes for appointment of enrolling agencies

prescribed by the UIDAI.

Provide required financial and other resources to carry out the

enrolment processes as per the phasing decided by UIDAI.

Cooperate and collaborate with and provide all assistance and

support to the Deputy Director Generals (DDGs) concerned of the

UIDAI and other staff members/consultants/advisors of the UIDAI

to effectively implement the UID project with Jammu and Kashmir

bank.

Wherever possible, Provide logistic and liaison support to the

staff and representatives of UIDAI when they visit the

Enrolling agencies implementing the UID project.

Work with the UIDAI to resolve difficulties faced on the

ground in the implementation of the UID project.

Follow the process set out by the UIDAI for resolution of

grievances, difficulties and conflict regarding matters

concerning the UID project.

Put in place an institutional mechanism to effectively

oversee and monitor the implementation of the UID project

in general and monitor specifically Enrolling Agencies

IN KASHMIR UID TO WORK AS DATA SECURITY AND

PROTECTION AGAINST FRAUD.

Even as the UIDAI stores resident information and confirms identity to

authenticating agencies, it will have to ensure the security and

privacy of such information.

By linking an individual's personal, identifying information to a UID,

the UIDAI will be creating a transaction identity for each resident that

is both verified and reliable. This means that the resident's identity

will possess value, and enable the transfer of money and resources.

Since the CIDR will store the biometric of residents, identity

fraud will be easier to control. The only form of fraud that may

go undetected in the UID system is if a person registers his/her

details and biometrics under an entirely different name, with

forged supporting documents.  

ADVANTAGES & USES OF UID NUMBER:

Increased efficiency in public spending

To control corruption at Govt. offices

More transparent and efficient voting system

Better Tax payments (long way to go ,though.)

UID to offer banking benefits to poor

UID for monitoring education system

IRDA may use UID number for policyholders

UID can control the unknown property

UID number can be used in schools and collages

FINDINGS OF MY STUDY The UID is managed by J& K bank in such a sufficient manner, that

card will effectively check the leakage /corruption in public subsidy

system.

UID in Jammu & Kashmir under j & k bank, acts as a controlling

system besides that, no one will be able to buy or sell property

without UID card, which will not only control the spread of black

money in economy but also increase the tax collection.

For children, the advantages from the UID would be significant.

Child-related programs in India have relied on often inaccurate,

aggregate data at school/cluster/block levels, making these

programs ineffective. An exact database of children with UIDs

would be immensely beneficial to programs within the women and

Child welfare as well as the Education departments, which track

development and progress of children in government schools, and

work to eliminate child labor.

India will be the first country to implement a biometric-based

unique ID system for its residents on such a large scale. The UID

will serve as a universal proof of identity, allowing residents to

prove their identity anywhere in the country. It will give the

government a clear view of India's population, enabling it to target

and deliver services effectively, achieve greater returns on social

investments, and monitor money and resource flows across the

country.

A new report released by the Unique Identification Authority of

India (UIDAI) last week offered to provide millions of poor with easy

banking services in Kashmir especially under j & k bank. It will help

in establishing a microfinance network, with the aim to improve

access to technologies such as mobile phone banking

SUGGESTIONS FROM MY END

The J & K bank should enroll students in the program from the day of

their joining in school.

The J & K bank should open some training centers in different areas to

give proper information about the UID especially to those peoples who

are not aware of UID.

The J& K bank should use highly configured systems to secure database

and should use IT professionals to manage database.

The J & K bank should go for Penal provision of those persons who

intentionally or fraudulently provide wrong information, attempt to

obtain a second unique identity number, steal the identity of any living

or dead person, etc. 

The enrolment process for the UID number will begin with a resident

submitting his/her information to the enrolling agency with supporting

documents. J & K bank should verify this information according to the

prescribed verification procedure as per the DDSVP Committee Report.

LIMITATIONS OF MY STUDY

The study was to be completed in a short time; the time

factor put a considerable limit on the scope and the

extensiveness of the study.

 Due to the diversity of nature of respondents the

findings of the survey could not be generalized.

Some of the respondents gave ambiguous replies for

certain questions or omitted the responses to some of

them. The interpretation of some responses become

difficult and could generate wrong results. The survey was conducted only in Anantnag district. 

A LOOK AT THE QUESTIONNAIRE1] Are you aware of the “ Aadhaar” program launched in the country?

A) Yes B) NO

70%

30%

Sales

NOYES

2] The “ Aadhaar” is basically about the UID thing. Can you tick out its full form?a)Unique in number b) unique identification number

c) Universal in number d) universal identification number

59%23%

10% 9%

unique identification no

unique in no

universal identification no

universal in no

3] Which bank will act as a controlling registrar in Jammu & Kashmir and handle operations of the UID (Aadhaar) project?a) ICICI Bank b) HDFC Bank

c) J & K Bank d) Axis Bank

37%

31%

19%

14%

J & K Bank HDFC Bank

ICICI Bank Axis Bank

4] The UID will be provided by?a) Unique Identification Authority of India

b) unique identity Auditor c) Universal identifier of India

d) Govt. Of India

50%

20

20

10

unique identification authority of india

government of india

universal identifier of india

unique identity auditor

5] The chairperson of the Unique Identification Authority of India is?a) Geetika Lakhanpal b) Rahul Ghandi

c) Nandan Nilekan d) Sonia Gandhi.

65%

32%

2% 1%

sonia gandhi

nandan nilekan

rahul gandhi

geetika lakhanpal

6] What are the biometric details that will be captured by UIDAI?a) Ten fingerprints, iris image and face image.b) Date of birth, face image.

c) Face image only. d) Full body image with identification mark

30%

30%

20%

20%

A

B

C

D

7] The various advantages of the UID will be? a) Increased efficiency in public spending b) To control corruption at Govt offices c) More transparent and efficient voting system d) Better Tax payments (long way to go, though.) e) All of the above.

60%15%

15%10%

E

B

C

A

8] Which software is used by J & K bank for UID process? a) Finacle b) vakrangee

80

20

FINACLE

VAKRANGEE

ZAMEER BANDH SAYS