Vision: To empower residents of India with a unique identity and a digital platform to authenticate anytime, anywhere

An Overview

of

Aadhaar

How Aadhaar gets ge erated… Attri utes aptured duri g E rol e t

2

CIDR

1:N Match

for

Uniqueness Aadhaar

Generated

Key Features of Aadhaar:

• Only a random number – for life time, no smart card

• All residents – for children, transgenders

• Uniqueness: 1 person = 1 Aadhaar

• Minimal data collected

• Secured & Privacy of data ensured

• Ubiquitous online authentication

• Enroll & Update from anywhere

• Doesn’t confer citizenship, rights, entitlements

Aadhaar Enrolment Ecosystem

3

UIDAI

Residents

1.2 Billions

• Decentralized Enrolment

• Centralized AADHAAR Generation

• 1.5 Million Aadhaar per day

• Scalable Architecture (commodity hardware)

• Standard Software & Processes

• Certified Devices & Manpower

• 2048-bit data encryption using PKI

• Traceability of all actors through audit trail ensured

UIDAI

Registrars

131

Enrolment

agencies

607

Operators

499,000+

Residents

1.2 Billion

Context of Aadhaar & a Quick Status Update

4

• Formal identity proof to Crores of residents – 1.11 Bn as on 31st January 2017

• Gateway to access services

• Tool for streamlining government expenditure & better targeting

• Enabler for transparent and accountable system of public expenditure

• Social inclusion project with a developmental focus & enabler for empowerment

87.1% of total

Population Covered

99+% Saturation in

the 18+ Age Group

394 Mn+ Residents can receive

Govt. Benefits seamlessly using

Aadhaar

400 Mn+ Residents can make

Banking transactions @

doorsteps using Aadhaar

Enrolment Progress: Journey so far

5

Aadhaar update

Aadhaar numbers issued 111.31 Crore

Total % saturation in 18+ age group 99+ %

The Present enrolment Rate is about 6 to 7 Lakh per day

Passport : 5.70 Cr

PAN card: 17 Crore

EPIC card: 60 Crore

Ration card: 20 Crore

Driving License: 17 Crore

12.78

17.60 17.35

21.27 22.04

33.13

37.23 39.25

50.77

56.46

-

10.00

20.00

30.00

40.00

50.00

60.00

Apr-16 May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17

Monthly Txns (in Cr.)

Aadhaar Authentication: Transactions Trend

6

Total Transactions since inception: 458.48 Crore

Total UIDs since inception: 51 Crore

Aadhaar Authentication: OTP-based

7

2.90 5.10 3.90 2.40

6.50 5.10 6.20 10.10

15.80 18.00 19.20

36.99

20.38

43.88

54.16

-

10.00

20.00

30.00

40.00

50.00

60.00

OT

P

Tx

ns:

No’

s in

Lakh

s

Aadhaar Authentication: e-KYC Trend

8

e-K

YC

Tx

ns:

No’

s in

Cror

es

0.55 0.66 0.78

1.88

3.66

5.80

12.27

13.38

18.19 18.72

-

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

20.00

Apr-16 May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17

Monthly e-KYC trend

Key Statistics

9

Description Value

PMJDY Seeding 58.50% (15.98 crores)

NPCI – Mapper

(Seeding @ All Bank Accounts) 39.41 crores

Bank Accounts Opened on e-KYC 4.88 crores

Item 31.Mar.15 31.Jan.17

Banks live on (APB) 470 873

Bank A/Cs opened on e-KYC 0.66 crore 4.88 Cr

Total APB Transactions 23.94 Crore 172.00 Cr

Total amount 10,709.90 Cr 46,151.83 Cr

Item 31.Mar.15 31.Jan.17

Banks (AEPS) – ON-US (Incl. DOP) 44 123

Banks (AEPS) – OFF-US 23 81

AEPS txns for Banks * 3.97 crore 35.98 Cr

Active MicroATMs 21,935 1,89,000+

Banks live on e-KYC 34 101

Aadhaar & Bank Accounts (31st Jan ‘17)

Aadhaar Payment Bridge (APB) Usage

Aadhaar Enabled Payment System (AEPS) Usage

Aadhaar Seeding @ Aadhaar Payment Bridge: Key Enabler for Digital Transactions

10 More than 39 Cr residents have linked their Bank Accounts with Aadhaar, enabling themselves for performing Digital Financial transactions

0

5,00,00,000

10,00,00,000

15,00,00,000

20,00,00,000

25,00,00,000

30,00,00,000

35,00,00,000

40,00,00,000

45,00,00,000

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.17

Aadhaar Mapper Progress

Deployment of MicroATM Devices

11

82,957

91,216

99,412 92,466

1,00,114

1,08,110 1,15,585

1,22,062

1,31,492 1,29,168 1,35,374

1,61,799

1,89,036

38,155 43,078 43,423 41,260

48,486 54,784

58,150 61,577

65,449 66,490 65,623

84,109 90,587

0

20,000

40,000

60,000

80,000

1,00,000

1,20,000

1,40,000

1,60,000

1,80,000

2,00,000

Jan-16 Feb-16 Mar-16 Apr-16 May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17

Active MicroATM Status

Number of MicroATMs Avg. No. of MicroATMs

12

Aadhaar Payment Bridge (APB)

• Aadhaar Based Payment service offered by the National Payments Corporation of India (NPCI)

• Easy to use mechanism for electronic credit of government welfare and subsidy payments on the basis of Aadhaar numbers as the primary key

• Benefits of APB - Provides end-to-end visibility of transactions to Government Ministries/ Departments and ensures that no duplicates/ fakes exist in the system thereby reducing leakages in government spending

• Over 39.4 Crore people have linked their Aadhaar to their bank accounts and ready to receive benefits directly into their Aadhaar linked accounts over Aadhaar based remittances.

Aadhaar Enabled Payment System (AePS)

• Aadhaar Based Payment Mechanism that uses online Aadhaar authentication for customer identification and conduct basic financial transactions.

• Interoperable architecture of AEPS and microATMs enable online and real-time fund transfer across banks thus enabling an efficient, cost-effective remittance ecosystem offering doorstep banking services.

• Benefits of AePS - Enables the banks to go where the customer is present, instead of the other way around and allows interoperability among different systems adopted by different banks

• Over 49 crore Aadhaar linked bank accounts can use this infrastructure

Aadhaar Payment Bridge (APB) and Aadhaar Enabled Payment System (AePS)

13

Aadhaar Pay is merchant version of AEPS

The Application works on a low cost android phone with finger bio-metric device.

Currently 5 banks have launched pilots/gone live over AadhaarPAY viz: Andhra Bank, IDFC Bank, IndusInd Bank, State Bank of India and Syndicate Bank

Pay to Aadhaar enabled on BHIM app, 14 Banks live

Andhra Pradesh & Gujarat has launched cashless payments using AEPS platform in Fair Price Shops

A special meeting of the AePS Steering committee was held in Mumbai on 2nd February 2017 with participation from various banks, TCS, NPCI and NABARD. Discussions were held on

• The modalities of operationalizing AadhaarPAY across banks and NPCI

• Charges to merchant for each transaction

• Distribution of these funds across acquiring bank, issuer bank and NPCI

NPCI is working towards a tentative launch date of 11th February 2017

for AadhaarPAY on the BHIM App

Aadhaar Pay, UPI & BHIM Application

Aadhaar Act

14

• Passed by the Parliament on March 16, 2016.

• Published in the Official Gazette for general information on 26th March 2016 pursuant to the assent of

the President received on 25th March 2016.

• Notified on 12-07-2016.

• The Act provides for good governance, efficient, transparent and targeted delivery of subsidies,

benefits and services, the expenditure for which is incurred from the Consolidated Fund of India

through assigning of Aadhaar numbers.

• Key Sections relevant to adoption of Aadhaar in Financial Sector:

Section 7 of Aadhaar Act Section 57 of Aadhaar Act

Technology Strategy

• Multi-modal: Improve de-duplication accuracy using multiple modalities

• 10 Fingerprint, 2 Iris, Face

• Multi-Vendor

• Risk Mitigation

• No Vendor Lock-in

• Vendors compete for volume allocation

• Performance

• Accuracy

Bio-Metric Strategy

Fingerprint Minutiae Template

30+ minutiae extracted from each fingerprint

Iris

Pupil

1024 digit number

1024 digit number

Each IRIS has a Unique Pattern

• Best of breed through standards & open source

• Sourcing from multiple suppliers

• Leverage market forces for technology improvement

• Create national standards wherever necessary through extensive consultation

• Built eco-system

• Device certification

• Operator certification

• Empanelment of enrollment agencies

• IT and other suppliers training for state level reengineering apps

• Conduct field test to validate assumptions

UID Authority, not a consultant, is the design authority

Overall Strategy

20

Aadhaar Partners / System

• Design for scale

• Every component needs to scale to large volumes

• Millions of transactions and billions of records

• Accommodate failure and design for recovery

• Open architecture

• Use of open standards to ensure interoperability

• Allow the ecosystem to build libraries to standard APIs

• Use of open-source technologies wherever prudent

• Security

• End to end security of resident data

• Use of open source

• Data privacy handling (API and data anonymization)

21

Architecture Principles

Biometric De-Dpulication Stage – Step 2 Identify

22

Aadhaar Authentication Services

NAME, GENDER, DoB . . .

YES or

NO and/or

and/or

BIOMETRIC

Demographic

OTP

Electronic

23

Authentication E-KYC

Advantages

• Consent based &

convenient

• Secure & compliant with

IT Act 2000

• Digitally signed by UIDAI

thus non-repudiable

E-KYC Available only on

Biometric and OTP forms of

Authentication

Aadhaar Authentication Ecosystem

24 Aadhaar Authentication Users ( Which provides Aadhaar Authentication and eKYC services to residents)

Authentication Transactions

Total number of Authentication

Transactions performed since inception

4.58 Bn

Total number of e-KYC Transactions

performed since inception

843 Mn

Avg. No. of Authentication Transactions

per day

20 Mn

Daily Capacity of the system 100 Mn

Trusted

Partners

Leased Line Authentication

Devices

Aadhaar Holder

Aadhaar Authentication Users: 331

Trusted Partners ( Agencies which provides secured connectivity to CIDR for Aadhaar user agencies)

Aadhaar Authentication

Users

Authentication: Data Access Ecosystem

25

CIDR

Authentication

Service

E-KYC

Service

Data Update

Service

Aadhaar Status

Service

Find EID/UID

Service

Verify Aadhaar

Service Biometric

Lock/Unlock

Service

Aadhaar Holders AUA/KUA Registrar &

EA

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

Any Aadhaar Enable Device can be used

Aadhaar for People – the Key Applications of Aadhaar

Direct Transfer of Subsidies using Aadhaar Over 1.72 Bn Govt. Payment transactions using

Aadhaar

394 Mn existing Aadhaars have been linked with

bank A/cs

Banking @ Doorsteps

More than 359 Mn basic banking

transactions carried out (AePS)

More than 189K Certified

Portable Devices deployed

Food Security ensured

120 Mn+ Households benefited

49 Mn Bank Accounts opened instantly using

Aadhaar e-KYC in a paper-less manner

Other Services

• Old Age Pensions

• Wages

• Scholarships

• Contd….

Aadhaar for all…!

Aadhaar for People – Recent Success Stories

• Aadhaar Based SIM Issuance

• DoT Approved Aadhaar e-KYC in August 2016;

• Reliance Jio has issued more than 70 Mn new SIM Cards using Aadhaar e-KYC

• Vodafone, Airtel & other operators following the suite.

• Hon’ble Supreme Court issued order to link Aadhaar to all mobile number within 1 year

• Aadhaar to Help Demonetization Stress

• Banks have deployed MicroATMs to dispense cash to help reducing the congestion at the Branches and help

people

• ‘AadhaarPAY’ launched by 5 Banks on the Smart phone devices. Others to follow soon. • Pay To Aadhaar launched in BHIM App. 14 banks have gone live.

29

Impact of Aadhaar

Schemes Status

PAHAL • Savings of USD 2.14 Bn (INR. 14,672 Cr) in 2014-15 & USD 1.01 Bn (INR. 6,912 Cr) 2015-16

Food • Savings of USD 1.49 Bn (INR 10,191 Cr) in 2015-16

MGNREGS • Estimated Savings of 10% amounting to USD 440 Mn (INR 3,000 Cr) in 2015-16

Total Savings in 2014-15 & 2015-16: USD 5.3 Bn (INR 36,144 Cr)

*Source: www.dbtbharat.gov.in

30

Benefits of Aadhaar

For Residents For Government

Lifetime identity for every resident Removes fakes and duplicates

Convenience End-to-end-transparency wit Audit Trail

Anywhere & Any time Access Ease of Identification

Instant & Token-less Access Outreach

Empowerment Efficiency & Productivity

Bank Account portability Inclusion

31

Applications of Aadhaar

DBT Insurance &

Pensions

DBT

Aadhaar

PDS

Digilocker

Passport

Jandhan & Bima

Yojana

Jeevan Praman

Health Sector

Railways

e-NPS

Attendance

DBT &

PAHAL e-Office &

e-Crops

PAN and ITR

32

New & Potential Services using Aadhaar

• All Subsidies such as Fertilizers & Kerosene

• Crop Insurance Scheme

• Life, Health & Accidental Insurance Schemes

• All Bank Accounts – individual and Entities

• Registration of Companies (Aadhaar

of the Directors)

• Udyog Aadhaar

• DMAT Accounts

• Interoperable Bank Mitr’s

• E-KYC based account opening

• Property Registration

• Vehicle Registration

• Driver’s License

• Voter registration

• School & College Enrolment

• Examinations such as UPSC, SSC,

HSC, State Exams etc.

• EPFO

• Registration of NGOs

• SIM Cards & Land line

Existing Service

Potential Service / WIP

33

Aadhaar Act 2016 – Section 7

34

Back

Aadhaar Act 2016 – Section 57

35

Back

“Nothing contained in this Act shall prevent the use of Aadhaar number for

establishing the identity of an individual for any purpose, whether by the State or

any body corporate or person, pursuant to any law, for the time being in force, or

any contract to this effect:

Provided that the use of Aadhaar number under this section shall be subject to

the procedure and obligations under section 8 and Chapter VI”.

Aadhaar Act 2016 – Regulation 12 – Enrolment & Update

36

Back

12. Agencies requiring Aadhaar as condition for receipt of

service, etc. —

Any Central or State department or agency which requires an individual

to undergo authentication or furnish proof of possession of Aadhaar

number as a condition for receipt of any subsidy, benefit or service

pursuant to Section 7 of the Act, shall ensure enrolment of its

beneficiaries who are yet to be enrolled, through appropriate measures,

including co-ordination with Registrars and setting up enrolment centres

at convenient locations or providing enrolment facilities by becoming a

Registrar itself.

Proofs of Identity

37

18 Proofs of Identity

Passport Voter Id Card NREGS Job Card Photo Bank ATM Card Freedom Fighter Photo

Card

Address Card having

Name and Photo issued

by Department of Posts

PAN Card Driving License Photo ID issued by

Recognized Educational

Institution

Photo Credit Card Disability ID

Card/handicapped

medical

certificate issued by the

respective State/UT

Governments/Administr

ations

Certificate of Identify

having photo issued by

Gazetted Officer or

Tehsildar on letterhead

Ration/ PDS Photo Card Government Photo ID

Cards/ service photo

identity card issued by

PSU

Arms License Pensioner Photo Card CGHS / ECHS Photo Card Kissan Photo Passbook

Back

Proofs of Address

38

33 Proofs of Address

Passport Government Photo ID

cards/ service photo

identity card issued by PSU

Insurance Policy Pensioner Card Income Tax Assessment

Order

Gas Connection Bill (not older

than 3

months)

Bank Statement/ Passbook Electricity Bill (not older

than 3 months)

Signed Letter having Photo

from Bank on

letterhead

Freedom Fighter Card Vehicle Registration

Certificate

Passport of Spouse

Post Office Account

Statement/Passbook

Water bill (not older than 3

months)

Telephone Landline Bill

(not older than 3

months)

Kissan Passbook Registered Sale / Lease

/ Rent Agreement

Passport of Parents(in case of

Minor)

Certificate of Address

having photo issued by

MP or MLA or Gazetted

Officer or Tehsildar on

letterhead

Signed Letter having Photo

issued by

registered Company on

letterhead

Signed Letter having Photo

issued by

Recognized Educational

Instruction on letterhead

Certificate of Address

issued by Village

Panchayat head or its

equivalent authority (for

rural

areas)

Address Card having

Photo issued by

Department of Posts

Disability ID

Card/handicapped medical

certificate issued by the

respective State/UT

Governments/Administrations

Voter ID Property Tax Receipt (not

older than 3

months)

NREGS Job Card

Ration Card

Caste and Domicile

Certificate having Photo

issued by State Govt.

CGHS / ECHS Card

Driving License Credit Card Statement (not

older than 3

months)

Arms License Back

Proofs of Relationship

39

8 Proofs of Relationship

PDS Card MNREGA Job Card CGHS/State Government/ECHS/ESIC

Medical card

Pension Card

Army Canteen Card Passport Birth Certificate issued by Registrar of

Birth, Municipal Corporation and

other notified local government

bodies like Taluk, Tehsil etc.

Any other Central/State government

issued family entitlement document

Back