Aadhaar Enabled e-Governance

Services

UIDAI,RO Hyderabad

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Schema of Presentation

• Aadhaar Mandate, Present Status

• Features of Aadhaar

• Steps involved in Aadhaar Based Service Delivery

• Case study of Kerala Education Department

• APB,Authentication, SRDH

• Aaddhar Integrated Life Cycle

• AePDS, Pensions

• Re use of AePDS Infra

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

Context of Aadhaar & Status Update

• Formal identity proof to Millions of residents

• 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

955 Mn Aadhaar numbers issued

95% Saturation in the 18+ Age Group

232 Mn Aadhaars linked with Bank Accounts

A.P - Aadhaar Generation Status

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District Population (Estimated

2015)

Aadhaar Generated

PEC Non PEC

Generation %

Anantapur 43,02,505 42,21,054 68 23 98 Chittoor 43,94,337 41,56,503 76 20 95 East Godavari 55,66,670 54,05,746 64 36 97 Guntur 51,51,681 47,76,634 59 39 93 Cuddapah 30,39,364 27,77,260 57 27 91 Krishna 47,72,124 43,72,287 61 29 92 Kurnool 42,63,821 39,27,991 97 28 92 Nellore 31,25,300 28,77,635 60 20 92 Prakasam 35,74,886 33,18,422 56 30 93 Srikakulam 28,44,377 28,27,609 39 14 99 Visakhapatnam 45,18,297 42,47,454 56 32 94 Vizianagaram 24,68,632 23,31,958 54 3 94 West Godavari 42,07,930 39,16,690 51 36 93

Total 5,22,29,924 4,91,57,243* 798 337 94

* In addition about 10 Lakh AADHAARs have been generated with Hyderabad/Rangareddy Address

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

453.6 (129.9 lac cards)

66.51 387.09 366.35 95%

2 MGNREGA 100.03 10.42

(2.04 dead +6.79 migrate +1.59 dups)

89.61 83.72 93%

3 SOCIAL SECURITY

PENSIONS 47.06 6.54 42.43* 41.53 98%

4 SC SCHOLARSHIPS 2.97

-

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%

6 * This includes 1.91 Lakhs new pensions sanctioned

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DBTL SEEDING : Andhra Pradesh

S. No

District Name

Distributors

LPG Consumers

LPG Aadhaar Seeding

% LPG Aadhaar Seeding

Bank Aadhaar Seeding

(ATC)

% Bank Aadhaar Seeding

(ATC)

Bank Account Seeding (BTC)%

CTC (ATC+BTC)

(%)

1 Anantapur 75 8,18,394 7,92,945 96.89 6,88,449 84.12 6.27 90.39

2 Chittoor 82 8,15,275 7,74,528 95 7,07,499 86.78 2.47 89.25

3 Cuddapah 54 5,99,747 5,85,583 97.64 5,49,943 91.7 3.17 94.87

4 East Godavari 72 11,06,312 10,68,983 96.63 10,14,606 91.71 2.6 94.31

5 Guntur 89 11,87,125 11,58,530 97.59 10,95,774 92.3 3.29 95.59

6 Krishna 82 10,97,775 10,74,772 97.9 9,97,685 90.88 3.27 94.15

7 Kurnool 61 7,37,442 7,12,560 96.63 5,94,326 80.59 12.86 93.45

8 Nellore 56 5,44,069 5,18,611 95.32 4,71,128 86.59 6.08 92.67

9 Prakasam 64 6,97,782 6,77,459 97.09 6,25,450 89.63 3.8 93.43

10 Srikakulam 21 3,83,220 3,72,011 97.08 3,36,288 87.75 4.31 92.06

11 Visakhapatnam 69 9,28,083 8,75,613 94.35 7,72,810 83.27 6.3 89.57

12 Vizianagaram 25 4,03,116 3,69,339 91.62 3,24,940 80.61 9.45 90.06

13 West Godavari 64 9,24,269 8,95,117 96.85 8,41,465 91.04 5.4 96.44

Total 814 1,02,42,609 98,76,05

1 96.42 90,20,363 88.07 4.99 93.06

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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 SUMMARY : ANDHRA PRADESH

Features of Aadhaar

Financial address

E-KYC Authentication

Uniqueness

955 Mn Aadhaars

64Mn Transactions

1100+Mn Transactions

708 Mn payments

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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Steps involved in Aadhaar Based Service Delivery

• Seeding

• Verification

• Approval

• Authentication

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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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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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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

Aadhaar Integration in Kerala Education System to

determine Teacher Requirement

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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

Aadhaar Integration in Kerala

Education Department

• 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

With out and With APB

Without APB:

• The Govt. Dept. has to collect IFSC Code and Bank Accounts from the beneficiaries, which, in case of multiple schemes could be complicated, due to duplication of the efforts;

• The Bank Account numbers may not remain the same for ever – beneficiary changing the Bank, Bank updating the account numbers etc.;

• Cannot eliminate ghost/duplicate entities;

• Same day MIS is a challenge.

With APB:

1. The Govt. Dept. just has to collect Aadhaar number of the beneficiary, which is the Financial Address;

2. It is a one-time effort to collect Aadhaar numbers of the beneficiaries, which never change;

3. Bank Accounts can be linked with Aadhaar and be authenticated for 100% accuracy;

4. Is a unique solution for eliminating Ghost / duplicate entities;

5. Same day MIS is a part of the SLA.

6. Resident-centric view of payments under various schemes. This will enable weeding out those people who may be availing LPG as well as Kerosene subsidy and benefits of multiple schemes

1111 2222 3333

End-to-End Cash Transfer through Aadhaar

Pension

MGNREGA

Scholarship

xxxxx

----- -----

Radha 111122223333

xxxxx

yyyyy

----- -----

Radha 111122223333

xxxcccc

----- -----

Radha 111122223333

Bank

1111 2222 3333

1. Aadhaar to de-duplicate databases

4. Withdraw from any MicroATM

2. Aadhaar as KYC to open bank account

Aadhaar Payment Bridge

3. Aadhaar as a payment address

5. End to end traceability and auditability

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

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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

What is SRDH?

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• Common Database with all resident records with Aadhaar numbers and KYR information. (from EID-UID mapping files)

• Single Source of Truth on Resident Data

Development of

one single consolidated

Resident Data Hub

for the State

• Framework for seeding of resident databases of the departments with Aadhaar number

• Framework for departments to access resident data, as available in SRDH, and clean their own data

Utilities for

access to Aadhaar KYR

And

organic/ inorganic Seeding

• Institutional arrangements for ownership and management

• Nodal Department in State

• SRDH Nodal Department for Authentication Services to other Departments

Guidance for

development of a

State-wide Data Governance

Framework

Objectives Manage complete State level Resident Data in a Digitized, Centralized and Secure manner Enhance Aadhaar Data Security Leverage Resident Data in Service Delivery Applications Easily incorporate Aadhaar authentication into various applications

Where does SRDH fit in Aadhaar Enabled Service Delivery?

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Aadhaar Enrollment Data

State Resident Data Hub (SRDH) in States and UT’s

Aadhaar Authentication Aadhaar –enabled

Payments Common Components & Services

Front end Applications and Transaction Systems

PDS NREGA Pension Scholar-ships

Land records

Vehicle Reg.

RSBY

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AADHAAR integrated Lifecycle

SRDH

Unified Birth and Death

Registration Department

Health Department

Education

PDS

Election Commission Transport

Department

Web Land

Land Registration Department

Emergency Management

Police Department

UID linked Life Cycle

• Birth – – UID linked Birth certificate

– parent UID linking

– Trigger to nearest AWC for further care

– UID based account opening (FA)– Girl scheme etc

– UID Linked Health ID ( Blood group, issues if nay )

• School –

– e KYC based application for school , social welfare

hostel.

– UID linked Digital locker for acadamic progress.

Digitally signed marks list.

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UID linked Life Cycle contd..

• College

– Scholar ship application – eKYC + SRDH inputs

– Free education / Fee re imbursement

• EPIC card - Any time any where voting

• Driving License

• Marriage

– Registration of Marriage

– Generation of new Ration card.

• UID linked Health ID ID (Blood group, permananent

disability if any, etc).

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UID linked Life Cycle contd..

• Fixed asset transactions – Web Land

• Application for MNREGS

• Helath Insurance

• DeMat account

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End of Life Cycle

• Falg will be raised against UID about the

death of resident.

• SRDH will trigger to all line dpeartments

about the event. Pension, PDS, MNREG etc.

• Trigger to web land , Registration

• Trigger to election commission.

• Trigger to Insurance companies for

compensation if any.

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Beneficiary’s Life Cycle

New Ration Card Application Visit the nearest Ration Shop / Touch

Point

Enter your UID in for EKYC Verification

NO

Issue

Inputs provided by SRDH

for Deciding eligibility

Transport WebLand

Muncipal Tax

Electricity

Resident need not visit any office for

approval

Aadhaar in Registration Department

• Registrar

– Easy to establish identity of seller and buyer

• Buyer and seller

– Property is secured. With out his /her presence /

authentication transaction will not happen

– UIDAI will send alert to registered email informing

every authentication attempt and locatiion.

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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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December 2015 Ration Distribution – At a Glance

District Total Shops Total Cards Availed Cards Availed

Cards(%) Auth %

Srikakulam 1,960 793607 621836 78% 91%

Vizianagaram 1,341 665953 561059 84% 95%

Visakhapatnam 1,606 951867 810331 85% 95%

East Godavari 2,531 1568568 1247488 80% 95%

West Godavari 2,085 1109806 1004031 90% 96%

Krishna 2,167 1130386 992173 88% 93%

Guntur 2,733 1292480 1066879 83% 94%

Prakasam 2,110 819837 673131 82% 89%

Nellore 1,878 816143 650243 80% 89%

Kadappa 1,737 699723 586514 84% 93%

Kurnool 2,406 1036889 858402 83% 93%

Anantapur 2,842 991505 868754 88% 91%

Chittoor 2,832 985804 851058 86% 94%

Total 28,228 12,862,568 10,791,899 84% 93% 44

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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Food Security for Pensioners

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 /Micro ATM . 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

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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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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.

• SRDH for e – Governance and UID based service delivery.

• AePDS, Re using PoS of PDS as Micro ATM.

• UID Based Applications .

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Thank You

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