Tag Archives: AADHAAR

India’s Subsidy disbursement engine – NPCI ACH-APB

The first set of subsidy disbursements are getting routed through the NPCI ACH-APB mode.   The LPG Subsidy disbursements are routed through the beneficiaries’ ‘Aadhaar Number’. The ‘Aadhaar Number’, is the common link between the LPG companies and the Banks.

Over the last few months, there has been a steady increase of LPG subsidy transactions.










The Banks have to seed the Aadhaar numbers in the customer’s banks accounts, and share such Aadhaar numbers with NPCI.

Based on the mapping done in the NPCI Aadhaar Mapper, the transactions are routed to the destination bank.  Destination banks based on the Account Number-Aadhaar number mapping, route the funds to the respective destination account.

The return file sent to NPCI should invariably contain the Beneficiaries’ Account Holder Name and Beneficiaries’ Account Number.  This is a vital requirement for Subsidy disbursement departments to answer any queries. The information is important from a risk-angle too.

At the launch of ACH-APBS, the guidelines clearly mentioned that the return file should contain the Beneficiaries’ Account Holder Name and Beneficiaries’ Account Number. However, still 30% of the transactions do not contain the requisite data.

NPCI has made it mandatory that the two fields are included in the APB Return file w.e.f November 11, 2013.


UIDAI-Aadhaar: Aadhaar Number is the new User Name for Authentication of an Indian individual

To reduce leakages or to increase security levels, be it in physical buildings or computer networks, Authentication is the preferred mode. Authentication is the process wherein the individual conforms who she/he claims to be.

The ‘Authentication’, process is not a modern process but was prevalent even in ancient times. Only the methods of ‘Authentication’ have changed.

The latest ‘Authentication’, tool is the Aadhaar based mode. In modern world, ‘Authentication’, revolves around a UserName and Password.

In the UIDAI-Aadhaar Authentication model, the USERNAME is the ‘Aadhaar Number’, and the PASSWORD is either the OTP (One Time Password) or Iris or fingerprint.

At present, UIDAI-Aadhaar Authentication offers the following 5 types:

Type 1 Authentication: Through this offering, service delivery agencies can use Aadhaar Authentication system for matching Aadhaar number and the demographic attributes (name, address, date of birth, etc) of a resident.

Type 2 Authentication: This offering allows service delivery agencies to authenticate residents through One-Time-Password (OTP) delivered to resident’s mobile number and/or email address present in CIDR.

Type 3 Authentication: Through this offering, service delivery agencies can authenticate residents using one of the biometric modalities, either iris or fingerprint.

Type 4 Authentication: This is a 2-factor authentication offering with OTP as one factor and biometrics (either iris or fingerprint) as the second factor for authenticating residents.

Type 5 Authentication: This offering allows service delivery agencies to use OTP, fingerprint & iris together for authenticating residents.

To reduce load on the Aadhaar Servers, the Aadhaar Number is part of all forms of the above 5 authentication models i.e the operation is reduced to 1:1 match.

This means as mentioned above, the Aadhaar Number is the Username only, and not the Password.


UIDAI Official website revamped


The official website of UJIDAI is @ http://uidai.gov.in/. In the last couple of months, this website is the most visited by Indians.

To encourage still more Indians and worldwide visitors, a revamped multilingual website has been launched.

At present, the website, http://www.uidai.gov.in, will now appear in five regional languages: Bengali, Gujarati, Kannada, Marathi and Tamil in addition to Hindi and English.

The main idea for the multi-lingual website from UIDAI Tech Centre Bengaluru is to enable residents with access to the internet to view important information in a language that they are comfortable with.

In the next phase, the website will include micro sites in Assamese, Malayalam, Oriya, Punjabi and Telugu.  Residents are already able to view their demographic data captured at the time of enrolment in 13 languages.

UIDAI currently prints the Aadhaar letter in 13 languages across the country and also provides an option to residents to update data in these languages

The official Aadhaar YouTube Channel has the latest videos showcasing the various facets of UIDAI-Aadhaar.

Indian Banking System has 2.3 crores plus Aadhaar Numbers in its portfolio


The progress is slow, but all efforts are being made to seed Bank Accounts with Aadhaar number.  Seeding of Bank Accounts with Aadhaar numbers is the link between Government subsidies and end beneficiaries.


“So far, about 23 million (2.3 crore) Adhaar cards have been linked to bank accounts and we expect the number to touch 100 million in the next few months,” Nilekani said at an event organised here by software services industry body Nasscom.


On the opportunities that Adhaar cards presents, Nilekani said it is one of the best ways to check corruption.


“There are two types of corruption. One is large scale, which is like the 2G scam or the coal scam and the other is retail scam like irregularities in distribution of foodgrains, kerosene, etc. Adhaar can effectively check the latter, which I call retail corruption,” he added.


Sharing similar views, Khosla said Adhaar presents huge opportunities to start-ups and entrepreneurs to develop apps and services.


“Adhaar is one platform, which presents a huge opportunity to develop apps and services. It is an opportunity in the way you deal with banks or pay your utility bills, etc. It is one of the most powerful investments by the government for an IT-enabled low friction economy,” he added.


However, the major challenge is that the withdrawal through Aadhaar-bio metric authentication is not enabled. The Bank account holders have to withdraw the amounts through normal banking withdrawal methods, i.e ATM’s/Cheques/Internet Banking/Mobile Banking /Debit Cards etc.


The AEPS has been rolled-out by NPCI, but it not gone beyond the pilot stage.