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<keyword id="144117" type="ORGANIZATION" weightage="100" keywordseo="AADHAAR">Aadhaar</keyword> is finally getting its teeth into key financial transactions, going by the central bank’s tough stand. The <keyword id="6354335" type="CITY" weightage="100" keywordseo="reserve-bank-of-india">Reserve Bank of India</keyword> has recently asked banks to ensure <keyword id="1953683" type="UNKNOWN" weightage="100" keywordseo="Aadhaar-authentication">Aadhaar authentication</keyword> for card transactions at merchant locations. 
 “All new <keyword id="1953691" type="UNKNOWN" weightage="100" keywordseo="Card-present-infrastructure">card present infrastructure</keyword> has to be enabled for both <keyword id="1953693" type="UNKNOWN" weightage="100" keywordseo="EMV-chip-and-PIN">EMV chip and PIN</keyword> and Aadhaar (<keyword id="1953679" type="UNKNOWN" weightage="100" keywordseo="Biometric-validation">biometric validation</keyword>) acceptance,” the <keyword id="30067" type="ORGANIZATION" weightage="100" keywordseo="RBI">RBI</keyword> stated in a notification on November 26. It also directed banks to issue chip-based cards by November 30 to tackle rising cases of <keyword id="38935" type="PERSON" weightage="100" keywordseo="Fraud">fraud</keyword>. The latest notification follows the recommendations of the Working Group headed by Gowri Mukherjee, global head of digital marketing at <keyword id="127691" type="CITY" weightage="40" keywordseo="Standard-Chartered-Bank">Standard Chartered Bank</keyword>. 
 A rise in fraud cases due to <keyword id="1953714" type="UNKNOWN" weightage="100" keywordseo="Stolen-card-data">stolen card data</keyword> had prompted the RBI to set up a panel in March 2011, which looked into securing card-based transactions through additional layers of authentification such as PINs and <keyword id="102890" type="UNKNOWN" weightage="100" keywordseo="biometrics">biometrics</keyword>. According to the RBI, the recommendations of the Working Group have been examined and the measures have been advised after taking into consideration the developments that took place in the card payment ecosystem as well as in the scalability and effectiveness of Aadhaar over a period of time. 
 <keyword id="1953695" type="UNKNOWN" weightage="100" keywordseo="Euro-pay-MasterCard-Visa">Euro pay MasterCard Visa</keyword> or EMV <keyword id="6428865" type="PERSON" weightage="100" keywordseo="chip">chip</keyword> and <keyword id="6376717" type="COMPANY" weightage="100" keywordseo="PIN">PIN</keyword> authentication involves card information being stored in a chip that is accessible through a PIN or <keyword id="1636984" type="UNKNOWN" weightage="100" keywordseo="Personal-identification-number">personal identification number</keyword>, which replaces a cardholder’s signature. This is in line with global best practices and is currently getting implemented. So is it really essential to come up with an additional security layer by linking the entire process with Aadhaar and its biometric validations? 
 Not for all cards, it seems. “In respect of cards, not specifically mandated by the RBI to adopt <keyword id="1953703" type="UNKNOWN" weightage="100" keywordseo="EMV-norms">EMV norms</keyword>, banks may take a decision whether they should adopt Aadhaar as additional factor of authentication or move to EMV chip and Pin technology for securing the <keyword id="1953704" type="UNKNOWN" weightage="100" keywordseo="Card-present-payment-infrastructure">card present payment infrastructure</keyword>,” said RBI. 
 
Even then, the biometric validation will be mandatory for all new machines/replacements and that means getting infrastructure-ready where no such infrastructure exists. 
 Before we get into more details, let us have a look at Aadhaar’s current functionality and future scope. Launched by the <keyword id="86474" type="ORGANIZATION" weightage="100" keywordseo="Unique-Identification-Authority-of-India">Unique Identification Authority of India</keyword> (<keyword id="6355252" type="CITY" weightage="100" keywordseo="UIDAI">UIDAI</keyword>), Aadhaar cards are essentially identity proofs based on <keyword id="441301" type="UNKNOWN" weightage="100" keywordseo="biometric-data">biometric data</keyword>. These are currently used for opening bank accounts and further ensure that <keyword id="44734" type="ORGANIZATION" weightage="100" keywordseo="Indian-Government">Indian government</keyword>’s welfare payments are routed directly to beneficiaries. 
 But Aadhaar is bound to play a more crucial role and gain a nation-wide runway when the latest RBI directive comes into force. Since both provisions are made mandatory by the RBI, <keyword id="1953676" type="UNKNOWN" weightage="100" keywordseo="Aadhaar-validation">Aadhaar validation</keyword> will have to be facilitated at all new <keyword id="443296" type="UNKNOWN" weightage="100" keywordseo="Point-of-Sale">point of sale</keyword> (<keyword id="88570" type="ORGANIZATION" weightage="100" keywordseo="POS">PoS</keyword>) terminals/ATMs. 
 Although most banks have started rolling out the EMV chip and PIN systems and are deploying new cards to customers, implementing Aadhaar validation will require more time and additional costs. That’s because banks will have to put in place the mechanism for <keyword id="1953708" type="UNKNOWN" weightage="100" keywordseo="Biometric-checks">biometric checks</keyword>, in tune with the system established by the UIDAI. 
 
“This new requirement is a challenge as we have very basic thumb print and reading devices. There is no service provider that manufactures such machines in bulk,” the payments head of a leading private sector bank told Economic Times. As a result, most <keyword id="61519" type="UNKNOWN" weightage="100" keywordseo="Private-banks">private banks</keyword> may stop installing <keyword id="459467" type="UNKNOWN" weightage="100" keywordseo="POS-terminals">PoS terminals</keyword> at merchant outlets, he said. 
 But the worst hit could be the <keyword id="6355548" type="ORGANIZATION" weightage="80" keywordseo="Public-Sector-Banks">public sector banks</keyword> such as the <keyword id="6354731" type="CITY" weightage="80" keywordseo="State-Bank-Of-India">State Bank of India</keyword> and <keyword id="6358007" type="CITY" weightage="80" keywordseo="Bank-of-Baroda">Bank of Baroda</keyword> who are planning to roll out a large number of PoS machines. They will have to start from scratch to enable biometric facilities. 
 In spite of the current <keyword id="1953709" type="UNKNOWN" weightage="100" keywordseo="Gap-in-infrastructure">gap in infrastructure</keyword>, no one can deny the benefits of including biometric data (finger print/retina scan) captured by the UIDAI. This can be effectively used for authentication to protect against both <keyword id="1953712" type="UNKNOWN" weightage="100" keywordseo="Domestic-counterfeit">domestic counterfeit</keyword> and lost &amp; stolen card fraud as the cardholder has to be physically present at the PoS terminal/ATM to authenticate the transaction. Even if the card is counterfeited, the fraudster will not be able to use the card as the biometric data of the customer will be required. 
 Currently, transactions using cards at PoS do not require additional authentication in majority of the cards. However, data stored in <keyword id="1953711" type="UNKNOWN" weightage="100" keywordseo="Magnetic-stripe">magnetic stripe</keyword> is vulnerable to <keyword id="6419130" type="UNKNOWN" weightage="100" keywordseo="skimming">skimming</keyword>. If more and more customers are to be encouraged to use PoS channels, it will surely require securing these transactions through biometric authentication and prevention of <keyword id="6722989" type="UNKNOWN" weightage="100" keywordseo="counterfeiting">counterfeiting</keyword> (skimming) by migrating to chip and PIN. That’s exactly what the RBI is doing although it may take some time to get into action. 
 
With input from Agencies 
Image: Indiatimes

Now RBI Wants Aadhaar Validation For Card-based Transactions

<ul><li>India’s Ministry of Home Affairs has approved the use of Aadhaar — the 12-digit unique identification number — as an identity proof for Indian citizens under 15 and above the age of 65 while travelling to Nepal and Bhutan </li><li>Indian travellers will not be required to have a visa if they have a passport and valid photo identity proof — including Aadhaar. </li><li>For families visiting the two countries, only one adult member needs to carry the relevant travel documents, but, are required to have identity proofs.</li></ul>India’s Ministry of Home Affairs has <a href="https://www.ndtv.com/india-news/home-ministry-tweaks-travel-norms-for-travel-to-nepal-bhutan-1980403">reportedly approved</a> Aadhaar — the 12-digit unique identification number — as a valid ID proof for Indian citizens below the age of 15, and senior citizens above 65. Earlier in 2017, the union ministry had<a href="https://www.hindustantimes.com/india-news/aadhaar-not-valid-for-travel-to-nepal-bhutan-says-home-ministry/story-r56Fe31HVCGTCIyTlZr9CP.html"> reportedly</a> said that Aadhaar card is not an acceptable travel document to visit Nepal or Bhutan. The valid travel documents have included PAN cards, ration cards, driving license or a Central Government Health Service (CGHS) card. According to the current norms, Indian travellers are not required to have a visa if they have a passport and a valid photo identity proof — issued by the government of India. If not, voter identity card issued by Election Commission of India also works. And for families visiting the two countries, only one adult member needs to carry the relevant travel documents. But, all the members are required to have identity proofs. Travelling to Bhutan, Indian nationals need to have either of the two — Indian passport that is valid for at least six months or voter identity card. According to <a href="https://timesofindia.indiatimes.com/india/mha-tweaks-travel-norms-indians-over-65-under-15-can-use-aadhaar-to-visit-nepal-bhutan/articleshow/67609882.cms">media reports</a>, nearly 8,000 to 10,000 people travel to Bhutan on a daily basis. In fact, Bhutan shares borders with Indian states of Sikkim, Assam, Arunachal Pradesh and West Bengal, and is home to about 60,000 Indian nationals employed in various industries, including construction and hydroelectric power industry. While Nepal has been home to over 600,000 Indians so far — including labourers, doctors and IT professionals — records the Ministry of External Affairs. However, the ministry official noted that the certificate of registration, issued to the Indians by the Embassy of India will not be valid for travel to Nepal. But for one way travel back to India, the emergency certificate by the Indian embassy in Nepal. See also: <a href="https://www.businessinsider.in/asian-tourists-are-getting-visa-free-welcome-in-more-countries-than-ever-before/articleshow/67472992.cms">Asian tourists are getting visa-free welcome in more countries than ever before</a> <a href="https://www.businessinsider.in/indians-seeking-uk-visa-will-now-have-to-shell-out-a-lot-more/articleshow/67435527.cms">Indians seeking UK visa will now have to shell out a lot more</a> <a href="https://www.businessinsider.in/trump-may-have-an-ugly-surprise-for-h-1b-applicants-and-indian-it-companies/articleshow/67552613.cms">Trump may have an ugly surprise for H-1B visa applicants</a>

India okays Aadhaar as a valid travel document for Nepal and Bhutan — but only for certain age groups

<a href="http://www.businessinsider.in/DoYou-Need-Aadhaar-Card-Govt-Says-Yes-Supreme-Court-Says-No/articleshow/22981267.cms">Controversy</a> is still raging over the mandatory use of <keyword id="144117" type="ORGANIZATION" weightage="100" keywordseo="AADHAAR">Aadhaar</keyword>, but an expert <keyword id="2006823" type="UNKNOWN" weightage="100" keywordseo="Committee-on-financial-inclusion">committee on financial inclusion</keyword> has already recommended that the <keyword id="6354335" type="CITY" weightage="100" keywordseo="reserve-bank-of-india">Reserve Bank of India</keyword> should leverage the <keyword id="2006820" type="UNKNOWN" weightage="100" keywordseo="Aadhaar-network">Aadhaar network</keyword> to ensure that every Indian has a <keyword id="2006817" type="UNKNOWN" weightage="100" keywordseo="Free-bank-account">free bank account</keyword> by January 2016. The recommendation has come from the Committee on Comprehensive <keyword id="2006821" type="UNKNOWN" weightage="100" keywordseo="Financial-Services-for-Small-Business">Financial Services for Small Business</keyword> and Low-Income Households, which is headed by <keyword id="311391" type="PERSON" weightage="100" keywordseo="Nachiket-Mor">Nachiket Mor</keyword>, an <keyword id="2006825" type="UNKNOWN" weightage="100" keywordseo="RBI-board-member">RBI board member</keyword> and former <keyword id="6653" type="CITY" weightage="100" keywordseo="ICICI-bank">ICICI Bank</keyword> executive. 
 <keyword id="30067" type="ORGANIZATION" weightage="100" keywordseo="RBI">RBI</keyword> set up the committee last September and it has now sought comments from the public on the <keyword id="1180163" type="UNKNOWN" weightage="100" keywordseo="draft-recommendations">draft recommendations</keyword> on or before January 24, 2014. Other key members of the panel include former <keyword id="44473" type="CITY" weightage="80" keywordseo="Citigroup">Citigroup</keyword> CEO <keyword id="25396" type="PERSON" weightage="100" keywordseo="Vikram-Pandit">Vikram Pandit</keyword> and <keyword id="2006826" type="UNKNOWN" weightage="100" keywordseo="Axis-Bank-CMD">Axis Bank CMD</keyword> <keyword id="6356453" type="PERSON" weightage="100" keywordseo="Shikha-Sharma">Shikha Sharma</keyword>. 
 According to the report, every Indian resident over 18 years of age should be automatically issued a “universal <keyword id="2006829" type="UNKNOWN" weightage="100" keywordseo="Electronic-bank-account">electronic bank account</keyword> at the time of receiving his/her <keyword id="485058" type="UNKNOWN" weightage="100" keywordseo="Aadhaar-number">Aadhaar number</keyword>.” One can choose his/her <keyword id="2006832" type="COMPANY" weightage="100" keywordseo="Preferred-bank">preferred bank</keyword> from the empanelled ones and need not pay any fee for opening an account. However, the bank can levy <keyword id="162862" type="UNKNOWN" weightage="100" keywordseo="transaction-charges">transaction charges</keyword>, the committee says. It also recommends setting up of a ‘unified’ redressal agency under the <keyword id="47209" type="ORGANIZATION" weightage="100" keywordseo="Finance-Ministry">finance ministry</keyword> to deal with <keyword id="786199" type="UNKNOWN" weightage="100" keywordseo="customer-complaints">customer complaints</keyword>. 
 About 90% of small businesses have no links to a <keyword id="154831" type="ORGANIZATION" weightage="100" keywordseo="financial-institution">financial institution</keyword> and 60% of Indians do not have bank accounts, the report states. “Aadhaar is the key piece of infrastructure to enable a customer to be identified and authenticated so that repudiation and fraud risks are minimised and therefore, should become the universal basis for authentication,” it adds. 
 The panel has also suggested that a special type of <keyword id="6368751" type="PERSON" weightage="100" keywordseo="Banks">banks</keyword> should be introduced to provide payment services and deposit products to small businesses and low-income households. Such banks could be categorised as <keyword id="2006841" type="UNKNOWN" weightage="100" keywordseo="Payments-banks">payments banks</keyword> and “they will be restricted to holding a <keyword id="2006842" type="UNKNOWN" weightage="100" keywordseo="Maximum-balance">maximum balance</keyword> of Rs 50,000 per customer,” the report says. Even <keyword id="2006844" type="UNKNOWN" weightage="100" keywordseo="Existing-lenders">existing lenders</keyword> can set up these payments banks as <keyword id="4128451" type="UNKNOWN" weightage="100" keywordseo="subsidiaries">subsidiaries</keyword>. The report also recommends setting up another category of wholesale banks that will provide funds to other banks and financial institutions that directly lend to low-income households. 
 On the face of it, the recommendations to introduce a multi-layered <keyword id="6354778" type="ORGANIZATION" weightage="100" keywordseo="Banking">banking</keyword> system make sound sense as these ‘proposed’ entities will be serving the <keyword id="2006855" type="UNKNOWN" weightage="100" keywordseo="Financially-weak">financially weak</keyword> segment of the country and overall, the inclusion plan for 2013-2016 looks good. 
 
Except for the Aadhaar part. 
 But before we go ahead, let us have a look at Aadhaar and what all it offers. Launched by the <keyword id="86474" type="ORGANIZATION" weightage="100" keywordseo="Unique-Identification-Authority-of-India">Unique Identification Authority of India</keyword> (<keyword id="6355252" type="CITY" weightage="100" keywordseo="UIDAI">UIDAI</keyword>), the <keyword id="804646" type="UNKNOWN" weightage="100" keywordseo="Aadhaar-scheme">Aadhaar scheme</keyword> was initially introduced to ‘promote inclusion and benefits of the <keyword id="1389586" type="UNKNOWN" weightage="100" keywordseo="marginalised-sections">marginalised sections</keyword> of the society that has no <keyword id="2006861" type="UNKNOWN" weightage="100" keywordseo="Formal-identity-proof">formal identity proof</keyword>.’ Even today, Aadhaar-enabled services are essentially linked to various <keyword id="580043" type="UNKNOWN" weightage="100" keywordseo="government-welfare-schemes">government welfare schemes</keyword> – so that its beneficiaries can access the same in a hassle-free manner. 
 However, the ‘<keyword id="2006816" type="UNKNOWN" weightage="100" keywordseo="Banking-for-all">banking for all</keyword>’ initiative in its ‘suggested’ format cannot be a marginalised movement, aimed to serve only the under-banked/unbanked regions or the weaker section or those below the <keyword id="141042" type="ORGANIZATION" weightage="100" keywordseo="poverty-line">poverty line</keyword>. It has to have a <keyword id="2006866" type="UNKNOWN" weightage="100" keywordseo="Unified-structure">unified structure</keyword> across the country – involving every Indian citizen. In other words, it will be much like the ‘<keyword id="49358" type="UNKNOWN" weightage="100" keywordseo="voter-card">voter card</keyword>’ mechanism we have in place right now. At the age of 18, an Indian is entitled to get a voter card irrespective of the <keyword id="2006868" type="UNKNOWN" weightage="100" keywordseo="Financial-divides">financial divides</keyword>. Going forward, if the central bank intends to follow the same principle and wants to bring the entire population of the country under its <keyword id="2006870" type="UNKNOWN" weightage="100" keywordseo="Inclusion-umbrella">inclusion umbrella</keyword> (after all, one cannot leave one section of the citizens out of a <keyword id="2006871" type="UNKNOWN" weightage="100" keywordseo="Mass-initiative">mass initiative</keyword> just because they are financially more stable), opening an account at the stipulated age should become mandatory and that means a mandatory <keyword id="1953676" type="UNKNOWN" weightage="100" keywordseo="Aadhaar-validation">Aadhaar validation</keyword>. 
 And that brings us back to the basic question – what is the legal status of Aadhaar in India? Is it just a <keyword id="107911" type="ORGANIZATION" weightage="100" keywordseo="Financial-inclusion">financial inclusion</keyword> tool for the economically weak or do the government agencies intend to turn it into an ‘all-inclusive’ tool required for every social and <keyword id="672932" type="ORGANIZATION" weightage="100" keywordseo="economic-activity">economic activity</keyword> – right from <keyword id="427269" type="UNKNOWN" weightage="100" keywordseo="Marriage-registration">marriage registration</keyword> to <keyword id="854003" type="UNKNOWN" weightage="100" keywordseo="land-registration">land registration</keyword>, from banking to <keyword id="6368952" type="ORGANIZATION" weightage="100" keywordseo="shopping">shopping</keyword> and more? 
 The RBI has already asked banks to ensure <keyword id="1953683" type="UNKNOWN" weightage="100" keywordseo="Aadhaar-authentication">Aadhaar authentication</keyword> for <a href="http://www.businessinsider.in/Now-RBI-Wants-Aadhaar-Validation-For-Card-based-Transactions/articleshow/26473660.cms">card transactions</a> at merchant locations. “All new card present infrastructure has to be enabled for both <keyword id="1953693" type="UNKNOWN" weightage="100" keywordseo="EMV-chip-and-PIN">EMV chip and PIN</keyword> and Aadhaar (<keyword id="1953679" type="UNKNOWN" weightage="100" keywordseo="Biometric-validation">biometric validation</keyword>) acceptance,” the central bank stated in a notification on November 26 last year. 
 Although the <keyword id="6354977" type="ORGANIZATION" weightage="80" keywordseo="Supreme-Court">Supreme Court</keyword> has ruled that the <keyword id="6356006" type="UNKNOWN" weightage="100" keywordseo="Aadhaar-card">Aadhaar Card</keyword> is not mandatory to get <keyword id="1739662" type="UNKNOWN" weightage="100" keywordseo="government-benefits">government benefits</keyword> and services, and the <keyword id="1878758" type="UNKNOWN" weightage="100" keywordseo="National-Identity-Authority-of-India-Bill">National Identity Authority of India Bill</keyword> is yet to get Parliamentary nod, Aadhaar seems to be enjoying a more hallowed status and getting its teeth deep into every key financial transaction one can think of. That might not be quite desirable at this stage as divulging <keyword id="441301" type="UNKNOWN" weightage="100" keywordseo="biometric-data">biometric data</keyword> (required for Aadhaar Card) is still considered voluntary and <keyword id="2006881" type="UNKNOWN" weightage="100" keywordseo="Secure-storage">secure storage</keyword> of the same cannot be guaranteed even now. 
 The rest of the recommendations by the committee dwell on the structure and requirements of the <keyword id="2006882" type="UNKNOWN" weightage="100" keywordseo="Proposed-banks">proposed banks</keyword>, <keyword id="6597293" type="UNKNOWN" weightage="100" keywordseo="priority-sector-lending">priority sector lending</keyword> and deposits, and classification of non-banking financial companies (NBFCs). 
 Interestingly, the payment banks will be required to meet the standard <keyword id="35038" type="ORGANIZATION" weightage="80" keywordseo="crr">CRR</keyword> terms and must also deposit the balance proceeds in approved <keyword id="838337" type="UNKNOWN" weightage="100" keywordseo="SLR-securities">SLR securities</keyword> with duration of no more than three months. As they won’t be permitted to assume any kind of <keyword id="854662" type="UNKNOWN" weightage="100" keywordseo="Credit-risk">credit risk</keyword>, which literally rules out any risk of default, the <keyword id="2006891" type="UNKNOWN" weightage="100" keywordseo="Minimum-entry-capital">minimum entry capital</keyword> for them will be Rs 50 crore instead of the Rs 500 crore required for full-service commercial banks in the country. Also, the wholesale banks cannot accept deposits bigger than Rs 5 crore from a single depositor. 
 The RBI had launched a three-year financial <keyword id="2006853" type="UNKNOWN" weightage="100" keywordseo="Inclusion-programme">inclusion programme</keyword> in April 2010, which prompted banks to open outlets in 200,000 villages. The current recommendations seek to deepen such access and experts even feel that the new banking licences, to be announced soon, can be categorised accordingly. But both the government and the RBI should ensure that the programme becomes ‘inclusive’ in the true sense of the term and validation issues should not throw a spanner in the works.

Aadhaar Gaining More
Teeth, To Play Key Role In ‘Banking For All’

<ul><li>The supreme court’s verdict on the <keyword id="3301209" type="PERSON" weightage="20" keywordseo="Aadhaar-Act">Aadhaar Act</keyword> removed Section 33 (2), Section 47, and Section 57 as being unconstitutional.</li><li>The court has also directed all private companies to delete their storage of customers’ Aadhaar details. </li><li>But, the Aadhaar card is still mandatory for all taxpayers since it’s required to file income tax returns (ITR).</li></ul>The Supreme Court of <keyword id="3658" type="COUNTRY" weightage="20" keywordseo="India">India</keyword> (SC) <a href="https://www.businessinsider.in/the-aadhaar-id-programme-is-here-to-stay-but-with-some-modifications/articleshow/65961826.cms">deemed the Aadhaar act</a> to be constitutional yesterday, but did <a href="https://www.livelaw.in/breaking-sections-33247-national-security-exception-gone-private-entities-cannot-demand-aadhaar-data/">remove sections</a> that it thought violated the right of Indian citizens. And, while participating in the world’s largest biometric database is now voluntary to a certain extent, millions of citizens have already enrolled and submitted their authentication details to third parties. That being said, the supreme court has directed <keyword id="6379816" type="UNKNOWN" weightage="20" keywordseo="telecom-operators">telecom operators</keyword> and banks to delete the biometric data that they had collected from their customers so far. It even cited the Department of Telecom’s (DoT) circular on the re-verification of phone numbers with Aadhaar details as unconstitutional. 
 
 
 <div type="Youtube" id="4XJsv7aa9X0" title="The Aadhaar ID programme is here to stay but with some modifications" thumbUrl="https://i.ytimg.com/vi/4XJsv7aa9X0/mqdefault.jpg"></div>







 Sections struck down The SC removed three sections from the Aadhar Act. Section 33 (2) allowed data to be disclosed in the interest of national security. The government or allied institutions could obtain an individual’s biometric data if they were a suspected as threats. The removal of this section means that are no exceptions to individuals not being forced to disclose their authentication data, which includes their Aadhaar biometrics. Section 47 was a cause of concern because any Aadhaar data breach would only be recognised as a criminal offence if reported by an officer at the Unique Identification Authority of India (UIDAI). With this section off the Aadhaar Act, even individuals have the power to register criminal offences under the legislation. The removal of Section 57 will probably have the impact on day to day life with it no longer being ‘mandatory’ for citizens to share their data with any third-party. Aadhaar is still a valid form of identification, but it’s no longer a prerequisite to obtaining third-party services. Basically, any body, corporate or person is no longer allowed to establish the identity of an individual. Daily hustle However, taxpayers are still going to be need their Aadhaar details to register for a Permanent Account Number (PAN) and file their income tax returns (ITR). But, there’s no longer a need for people to link their Aadhaar cards to their bank accounts. Banks can longer cite Aadhaar as a prerequisite for know-your-customer (KYC) authentication. Telecom operators, no only have to delete all that they’ve been hoarding in the past, but even they can’t push for Aadhaar authentication when issuing SIM cards. In a breath of relief for parents, schools can’t ask for Aadhaar card authentication either. NET, CBSE, and UGC applications no longer need it to appear for their respective examinations. This comes in after NET has been implementing mandatory Aadhaar details, without which the application process wouldn’t be validated. Children will also be exempted from needing a Aadhaar card on all fronts. Public sector schemes will remain accessible to them even without a card. The experts and public seem divided on their opinion about these changes. While some think that it’s a step in the right direction, others believe that the dilution of the Aadhaar Act won’t address its underlying problems of privacy.

What does the supreme court verdict on Aadhaar mean for Indian citizens?

<ul><li>A five-member bench of India’s <keyword id="6354977" type="ORGANIZATION" weightage="20" keywordseo="Supreme-Court">Supreme Court</keyword>, led by outgoing chief justice Dipak Misra, upheld the constitutional validity of the Aadhar ID programme. </li><li>Enrollment in the programme has been made necessary for filing tax returns. </li><li>However, in light of the threats to an individual’s <keyword id="6355135" type="UNKNOWN" weightage="20" keywordseo="Privacy">privacy</keyword>, a number of provisions of the Aadhar Act of 2016 were struck down. </li><li>Indians don’t have to hand over their <keyword id="144117" type="ORGANIZATION" weightage="20" keywordseo="AADHAAR">Aadhaar</keyword> info when opening up bank accounts or getting a mobile subscription. In addition, Section 33(2) of the act, which mandates disclosure of Aadhaar details for the purposes of national security was scrapped. </li></ul>After four months and 38 days of hearings, the matter has been laid to rest. On 26 September, a five-member bench of India’s Supreme Court, led by outgoing chief justice Dipak Misra, upheld the constitutional validity of the Aadhar ID programme, voting 4-1 in favour of the scheme, and allowed its passage as a money bill. In a verdict read by Justice AK Sikri, the scheme was said to empower the marginalised sections of Indian society. The bench also found that the Unique Identification Authority of India (UIDAI), the government agency in charge of the scheme, had taken adequate measures to prevent the card from being duplicated. Enrollment in the programme was also made necessary for filing tax returns through linking with PAN cards. However, in light of the threats to an individual’s privacy, a number of provisions of the Aadhaar Act of 2016 were struck down. Section 33(2) which mandates disclosure of Aadhaar details for the purposes of national security was scrapped, as was Section 57, under which private companies are allowed to ask for a citizen’s Aadhaar details in order to provide services. This means that Indians don’t have to hand over their Aadhaar info when opening up bank accounts or getting a mobile subscription. Infact, telecom companies have been ordered to delete all the Aadhaar details of their customers. Additionally, educational institutions will not be allowed to ask for the Aadhaar details of prospective students. An expected outcome? While it may have seemed far from a foregone conclusion, there was no way that the Supreme Court could undo the world’s largest biometric identification programme and make the government start from scratch, especially in light of the scheme’s progress so far and the amount invested, which is estimated at around ₹88 billion. Despite the amount of data leaks and growing privacy concerns, the scheme has enrolled 1.2 billion Indians and allowed a lot of people to access government services. In retrospect, the scheme was always going to be modified to incorporate <keyword id="145060" type="ORGANIZATION" weightage="20" keywordseo="data-security">data security</keyword> protocols and to allow citizens the option of enrolling. The modifications to the scheme also reflected a landmark decision made by the Supreme Court in August last year, when it declared that privacy was a fundamental right.

The Aadhaar ID programme is here to stay but with some modifications

(Photo Source: Wikimedia.org) <ul><li>The number of Aadhaar-related authentications fell by nearly a third to 824 million in November compared to March this year. </li><li><keyword id="144117" type="ORGANIZATION" weightage="20" keywordseo="AADHAAR">Aadhaar</keyword> also saw a big drop in enrollments in November following India’s Supreme Court’s judgment limiting its use. </li><li>The decline in Aadhaar enrolments was reportedly “expected” by the government as over 1.22 billion Indians have already been enrolled. </li></ul>Two months after India’s Supreme Court’s verdict curtailing Aadhaar’s use by private companies, the biometric-based unique identity program has seen a big drop in use for ‘authentication’ purposes. The number of Aadhaar-related authentications fell by nearly a third to 824 million in November compared to March this year, Economic Times <a href="https://m-economictimes-com.cdn.ampproject.org/v/s/m.economictimes.com/news/economy/policy/aadhaar-usage-enrolments-plunge-in-november-after-sc-order/amp_articleshow/66913619.cms?usqp=mq331AQHCAFYAYABAQ%3D%3D&amp;amp_js_v=0.1#aoh=15438101173727&amp;amp_ct=1543810127696&amp;referrer=https%3A%2F%2Fwww.google.com&amp;amp_tf=From%20%251%24s">reported</a> citing official data from the Unique Identification Authority of India (<keyword id="6355252" type="DEFINITION" weightage="20" keywordseo="uidai">UIDAI</keyword>). Additionally, Aadhaar-based authentication through e-KYC—using fingerprints or iris—fell by nearly half to nearly 154 million in November from 370 million in March, the report pointed out. The number of people enrolling in Aadhaar has also seen a dip — falling to 866,000 in November as compared to 2.2 million in October. However, the Indian government has been expecting fewer enrollments as its estimates show over 1.22 billion people in India already have Aadhaar. In September, India’s Supreme Court upheld the constitutional validity of Aadhaar, but put several restrictions on its use. For example, it said it was no longer necessary for its citizens to link their bank accounts with Aadhaar and asked private companies to refrain from asking for Aadhaar details.

India’s unique identification program Aadhaar sees a big drop in ‘authentication’ use after Supreme Court verdict

(Eds: Adds details) New Delhi, Dec 30 () The last date for the mandatory linking of the <keyword id="134255" type="COMPANY" weightage="20" keywordseo="permanent-account-number">Permanent Account Number</keyword> (PAN) with Aadhaar has been extended till March next year, the CBDT said on Monday. The earlier deadline was Tuesday, December 31. "The due date for linking of PAN with Aadhaar as specified under sub-section 2 of section 139AA of the Income-tax Act, 1961 has been extended from December 31, 2019 to March 31, 2020," the department said on its official Twitter handle. This is the eighth time that the Central Board of Direct Taxes (CBDT) has extended the deadline for individuals to link their PAN with Aadhaar. The Supreme Court, in September last year, had declared the Centre's flagship Aadhaar scheme as constitutionally valid and held that the biometric ID would remain mandatory for the filing of I-T returns and allotment of the PAN. Section 139 AA (2) of the Income Tax Act says that every person having PAN as on July 1, 2017, and is eligible to obtain Aadhaar, must intimate his Aadhaar number to tax authorities. Aadhaar is issued by the Unique Identification Authority of India (UIDAI) to a resident of India and PAN is a 10-digit alphanumeric number allotted by the I-T department to a person, firm or entity. The CBDT, that frames policy for the tax department, said a notification numbered 107 has been issued in this context. NES CK

PAN-Aadhaar linking deadline extended for the 8th time, now till March, 2020

A digital signature certificate based application will allow companies to get PAN or TAN registration within a day, said the <keyword id="65338" type="ORGANIZATION" weightage="100" keywordseo="Income-Tax-Department">Income Tax department</keyword>. The portals that will provide these services are NSDL eGov and UTIITSL. 
 
"Under the new process PAN and TAN will be allotted within one day after completion of valid on-line application," a tax department statement said. 
 
For individuals, a new PAN number can be obtained through Aadhaar-based e-signature facility, thus reducing the effective time that the procedure takes. 
 
"Introduction of Aadhaar based e-Signature through NSDL eGov in PAN application not only ensures paperless hassle free PAN application process but also seeding of Aadhaar in PAN which will curb the problem of duplicate PAN to a great extent," said the statement. 
 
<a href="http://ymbconsulting.com/wp-content/uploads/2015/02/Paperless-work-order-VisualFactory.jpg?ec5d07">Image source</a>

Thanks to paperless application, companies can now get PAN and TAN within a day

In case you are eligible to obtain an <keyword id="144117" type="ORGANIZATION" weightage="100" keywordseo="AADHAAR">Aadhaar</keyword> number, you would need to quote your Aadhaar number when you apply for a permanent account number (PAN) and in your <keyword id="104359" type="UNKNOWN" weightage="100" keywordseo="income-tax-return">income tax return</keyword> from July onwards. As per the government, Aadhaar-enabled biometric identification will ensure that nobody can obtain multiple PANs; it would also help the government in keeping an eye on tax evaders. Even if your income is below the tax limit and you are not required to file returns, you would need to link your PAN and Aadhaar number. In case that’s not done, your PAN will be liable to become invalid from a date that the government would soon announce, as per section 139AA of the Act. However, the recent order from <keyword id="6354977" type="ORGANIZATION" weightage="100" keywordseo="Supreme-Court">Supreme Court</keyword> is a relief for people who possess a PAN but do not have an Aadhaar and have not even applied for one. In order to ease the process of linking PAN and Aadhaar, the IT department has announced the process on its e-filing portal. You can visit the income tax e-filing portal at https://incometaxindiaefiling.gov.in/ and enter your user id and password so that you can access your profile. If you don’t have a profile there, you can register on the portal by entering basic registration details such as PAN, name and date of birth. After logging in, go to the "Profile Settings" tab and click on ‘Link Aadhaar’ in the drop down menu. This would open a new form where you’d need to enter your name, date of birth, gender as per PAN records, your Aadhaar number and your name as per Aadhaar records. After submitting these details and entering the text in the captcha code, a success message would be displayed confirming the linking of Aadhaar with PAN. You would also receive a confirmation email on your registered ID. In case the name in Aadhaar does not exactly match with the name on PAN, you would need to validate the same using an Aadhaar OTP or EVC. (Image source TechFactsLive)

Here’s everything you need to know about linking your Aadhaar with PAN

<ul><li>The Unique Identification Authority of India (UIDAI) has announced the <keyword id="12338940" type="General" weightage="20" keywordseo="Aadhaar-Hackathon-2021" source="Orion">Aadhaar Hackathon 2021</keyword>.</li><li>The hackathon will begin on October 28 and will end on October 31.</li><li>The winners stand to win up to ₹3 lakh.</li></ul>The Unique Identification Authority of India (UIDAI) has announced the <keyword id="144117" type="General" weightage="100" keywordseo="aadhaar" source="Orion">Aadhaar</keyword> Hackathon 2021 as part of the “Azadi ka Amrit Mahotsav” celebrations announced to celebrate the 75th year of India’s independence. The hackathon is aimed at identifying young innovators who are currently part of engineering institutions. The UIDAI has <a href="https://pib.gov.in/PressReleaseIframePage.aspx?PRID=1764717">come up</a> with two themes for the event and is looking for technological solutions to these problems. <cmsannotation type="cmsannotation" annotationid="Aadhaar Hackathon 2021 schedule" comment="subhead" text="Aadhaar Hackathon 2021 schedule">Aadhaar Hackathon 2021 schedule</cmsannotation> The Aadhaar Hackathon 2021 will begin on October 28 and end on October 31 at 11 pm. The registrations are live now and interested students can register till October 25. <cmsannotation type="cmsannotation" annotationid="Themes of Aadhaar Hackathon 2021" comment="subhead" text="Themes of Aadhaar Hackathon 2021">Themes of Aadhaar Hackathon 2021</cmsannotation> The Aadhaar Hackathon 2021 is based around two themes. First is based on enrollment and updating of information later on. The second theme is based on the identification and authentication of users without sharing an Aadhaar number. <cmsannotation type="cmsannotation" annotationid="How to register for the Aadhaar Hackathon 2021" comment="subhead" text="How to register for the Aadhaar Hackathon 2021">How to register for the Aadhaar Hackathon 2021</cmsannotation> The hackathon is limited only to students of engineering colleges in India. <ul><li>To register, go to UIDAI’s <a href="https://hackathon.uidai.gov.in">hackathon website</a>. </li><li>Now, click on “Register Your Team”. </li><li>Enter your Aadhaar number, college or university name and your team name. </li><li>Enter the captcha and click on ‘Generate OTP’. </li><li>Enter the OTP and click on “Create Team”. </li></ul>Once the registration is complete, you will receive a team reference number. You will be allowed to add team members once the team is created. <cmsannotation type="cmsannotation" annotationid="Rules for Aadhaar Hackathon 2021" comment="subhead" text="Rules for Aadhaar Hackathon 2021">Rules for Aadhaar Hackathon 2021</cmsannotation> <ul><li>The hackathon is open only for students of engineering colleges in India. </li><li>A team can consist of a maximum of five members. </li><li>All the team members must be a part of the same institution. </li><li>Participants must have a valid Aadhaar number. </li><li>A student cannot be part of more than one team. </li><li>Teams must solve at least one problem to confirm their inclusion. </li></ul><cmsannotation type="cmsannotation" annotationid="What are the prizes for the Aadhaar Hackathon 2021?" comment="subhead" text="What are the prizes for the Aadhaar Hackathon 2021?">What are the prizes for the Aadhaar Hackathon 2021?</cmsannotation> The winners of the Aadhaar Hackathon 2021 will receive a cash prize of ₹3,00,000 and the runner ups will receive a cash prize of ₹2,00,000. The next two teams will receive a cash prize of ₹1,00,000. In addition to this, all four teams also stand to work with the Aadhaar team to create a next-gen identity and authentication platform as part of the Aadhaar 2.0 initiative. The teams will also receive an invitation to participate in the global Aadhaar 2.0 conference. SEE ALSO: <a href="https://www.businessinsider.in/india/news/supreme-court-notice-on-plea-for-making-aadhaar-card-not-mandatory-for-getting-covid-19-vaccine/articleshow/86675631.cms">Supreme Court notice on plea for making Aadhaar card not mandatory for getting COVID-19 vaccine</a> <a href="https://www.businessinsider.in/india/news/deadline-for-pan-aadhaar-linkage-extended-till-march-2022/articleshow/86314609.cms">Deadline for PAN-Aadhaar linkage extended till March 2022</a>

Aadhaar Hackathon 2021 – how to participate, prize money, rules and more

New Delhi, Mar 16 () The Income Tax Department on Monday issued a public message saying it was "mandatory" to link PAN with Aadhaar and advised people not to "miss" the stipulated deadline of March 31. The department had last month said Permanent Account Number (PAN) will become "inoperative" if it is not linked with Aadhaar by this date. "Don't miss the deadline!" "It is mandatory to link your PAN and Aadhaar before 31st March, 2020. You can do it through Biometric Aadhaar authentication &amp; also by visiting the PAN service centers of NSDL and UTITSL," the department said in the latest post on social media. In a video, attached with the message on its Twitter handle @IncomeTaxIndia, it said such a linking is for a "beneficial tomorrow". The video described that there are two ways to complete this task: 1. Send SMS to 567678 or 56161 in the format: UIDPAN12digit Aadhaar&gt;10digitPAN&gt; 2. Through e-filing portal of the department: www.incometaxindiaefiling.gov.in. The Central Board of Direct Taxes (CBDT), that frames policy for the I-T department, had extended the deadline for this task for the eighth time on December 30 last year. The Supreme Court had in September 2019 declared the Centre's flagship Aadhaar scheme as constitutionally valid and held that the biometric ID would remain mandatory for the filing of tax returns and allotment of PAN. Section 139 AA (2) of the Income Tax Act says that every person having PAN as on July 1, 2017, and is eligible to obtain Aadhaar, must intimate his Aadhaar number to tax authorities. Aadhaar is issued by the Unique Identification Authority of India (UIDAI) to a resident of India and PAN is a 10-digit alphanumeric number allotted by the I-T department to a person, firm or entity.As per official data updated till January 27, over 30.75 crore PANs have been linked to Aadhaar. At that time, 17.58 crore PANs were yet to be linked with the 12-digit biometric ID. The CBDT had also issued a notification amending I-T rules and inserted Rule 114AAA that stipulates the "manner of making permanent account number inoperative" for those who do not link the two by March 31.The notification said persons whose PANs become inoperative shall be liable for all the consequences under the I-T Act for not furnishing, intimating or quoting PAN.For those linking PAN with Aadhaar after March 31, 2020, the I-T department had said it shall "become operative from the date of intimation of Aadhaar number". NES NES SMNSMN

Don't miss Mar 31 deadline for linking PAN-Aadhaar: I-T Dept

<ul><li>A new survey finds that 80% of Indians don’t trust the <keyword id="144117" type="ORGANIZATION" weightage="20" keywordseo="AADHAAR">Aadhaar</keyword> card program.</li><li>Respondents agree that the government needs to take <keyword id="187124" type="ORGANIZATION" weightage="20" keywordseo="Data-Protection">data protection</keyword> more seriously. </li><li>The government had previously signed an affidavit for the Supreme Court, stating that the Aadhaar database can neither be hacked nor breached.</li></ul>The Aadhaar card scheme, a 12-digit unique identity number for residents in India, has been embroiled in controversy since its initiation in 2009. Nine years down the line, citizens still don’t <a href="https://cio.economictimes.indiatimes.com/news/digital-security/80-people-concerned-about-aadhaar-data-security-study/64383641">trust</a> the world’s <a href="https://telecom.economictimes.indiatimes.com/news/aadhaar-worlds-largest-id-database-exposed-by-india-government-errors/64175448">largest</a> biometric ID system. A survey conducted by Velocity MR, a market research and analysis company, concluded that eight out of 10 respondents were concerned about the security of their Aadhar data and felt the government should be more proactive about data protection. This comes from taking 5,800 respondents into consideration, across 8 tier-1 cities in India, including the National Capital Region. The Aadhaar conundrum Headlines that call the security of Aadhaar into the question rear their head every few months. Regardless of whether it’s a <a href="https://www.indiatimes.com/technology/news/an-online-researcher-hacked-into-aadhaar-s-official-android-app-to-show-how-poorly-it-s-secured-337425.html">French researcher</a> or <a href="https://economictimes.indiatimes.com/tech/internet/uidai-trashes-zdnet-report-refutes-aadhaar-data-leak-claim-by-delhi-researcher/articleshow/63446024.cms">ZDNet</a>, the issue lies with the government’s reiterations of the Aadhaar system being ‘<a href="https://www.troyhunt.com/is-indias-aadhaar-system-really-hack-proof-assessing-a-publicly-observable-security-posture/">hack-proof</a>’. The Unique Identification Authority of India (<keyword id="6355252" type="DEFINITION" weightage="20" keywordseo="uidai">UIDAI</keyword>), the government agency behind Aadhaar cards has <a href="https://economictimes.indiatimes.com/news/politics-and-nation/aadhaar-data-is-fully-safe-uidai/articleshow/61725239.cms">said</a>, “The Aadhaar data, including biometric information, is fully safe and secure.” Even the government filed an <a href="https://www.firstpost.com/india/government-files-affidavit-in-aadhaar-case-claims-it-cannot-be-hacked-or-breached-supreme-court-to-hear-case-today-4190835.html">affidavit</a> with the Supreme Court in lieu of the Aadhaar case, that claimed that the data collected through the system cannot be breached or hacked. Security in itself is not a zero-sum game. Technology evolves at such velocity that safeguards becoming obsolete is always a concern, while also being inevitable. That being said, a system cannot be completely secure, it can only be sufficiently prepared. The Cambridge Analytica data breach scandal goes a long way in proving the same. It’s one of reasons why the conversation has veered from obtaining consent to getting ‘<a href="https://ico.org.uk/for-organisations/guide-to-the-general-data-protection-regulation-gdpr/consent/what-is-valid-consent/">valid’ </a>consent. The same survey, when asking about Facebook usage, found that 1-in-3 users are going to reduce the amount of information they share on the social networking platform, though they aren’t ready to leave it altogether. Because, let’s be honest, there’s always a weak link or a point of vulnerability. The question is, how long will it be before someone finds it.

You Searched For "Aadhaar validation" and got 12 results

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What does the supreme court verdict on Aadhaar mean for Indian citizens?

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The Aadhaar ID programme is here to stay but with some modifications

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India’s unique identification program Aadhaar sees a big drop in ‘authentication’ use after Supreme Court verdict

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PAN-Aadhaar linking deadline extended for the 8th time, now till March, 2020

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Thanks to paperless application, companies can now get PAN and TAN within a day

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Here’s everything you need to know about linking your Aadhaar with PAN

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Aadhaar Hackathon 2021 – how to participate, prize money, rules and more

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Don't miss Mar 31 deadline for linking PAN-Aadhaar: I-T Dept

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Nine years later, 80% of Indians are still not convinced the world’s largest biometric ID system is secure

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