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  • Everything you need to know about Aadhar Bill

    A new turn in the Aadhaar Bill could prove to be a game changer for the citizens and Government of India. The process of the Aadhaar Scheme had begun 6 years ago when the UPA Government was in power. The Aadhaar Bill, 2010, was introduced in Parliament in December of that year. Many citizens have flocked to get their unique identification cards made. Some have been successful while others have still not received their Aadhaar numbers.

    Why the Aadhaar Scheme is Important?

    In a country where there is a vast section of the population who are economically weak, the government offers many subsidies and contributions to the help uplift this sector. But much of it is issued by the Central Government which then trickles down a series of middlemen and finally winding up in fake and ghost accounts. A significant percentage of the subsidies given disappears. After issuing more than 750 million Aadhaar cards, the government sought to link the Aadhaar number to the bank accounts of those receiving subsidies. It was suggested that the Aadhaar linking be made mandatory in order to minimize fraud and ensure that the subsidies reached the intended recipients. Through Aadhaar linking, the Government of India has saved tons of money by eliminating all the accounts that were fake, duplicate, ghost and fraudulent. However, making Aadhaar cards mandatory for any public service is still not feasible yet as many people have not got their Aadhaar cards, or have not had access to facilities through which they can apply. But the overall picture of this scheme is to eliminate fraud and corruption and provide a completely transparent procedure for all public services and benefits.

    The Aadhaar Bill 2010

    The bill was titled National Identification Authority of India Bill, 2010. Any person residing in India could apply for an Aadhaar card. Its purpose was to establish a system of identification numbers to every resident of the country. This would ultimately help these individuals gain access to benefits and services offered by the government. The 2010 Bill called for biometric information which would give each Aadhaar card holder a unique identification that could not be tampered with.

    The Aadhaar Bill 2016

    In March 2016, the Lok Sabha passed the Aadhaar Bill, 2016. The bill now bears the title of Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016. In the new bill, a number of improvements, additions and deletions were made to enhance the effectiveness of the Aadhaar scheme. The Aadhaar number will stand as identification for any person and for any purpose. Now those who wish to get an Aadhaar card must be a resident of India for at least 182 days. To receive subsidies or services, individuals may be required to present their Aadhaar number. If they have applied for the card and have not yet received it, then other forms of identification may be accepted.

    Details of the Aadhaar Bill 2016

    Clause 2 (V) - Who can obtain an Aadhaar Number?

    • Any person residing for at least 182 days in India. The 182 days will be calculated based on the year preceding the Aadhaar application.

    Clause 7/Clause 57 and Clause 9 - Uses of Aadhaar Number

    • The Aadhaar number will be used to verify the identity of any person who is receiving subsidies or services from the government.
    • It can be used by public and private entities to verify the identity of any person.
    • The Aadhaar number will not give the holder any right to citizenship or domicile status.

    Clause 2(n)/Clause 2(d) and Clause 32(3) - Information maintained by the UID Authority

    • The UID Authority will maintain identity information which includes the following:
      • Photograph
      • Biometrics which includes iris scan and fingerprint
      • Demographic information which includes name, date of birth and address
      • Aadhaar number
      • Information such as race, caste, religion and so on will not be maintained
    • Aadhaar information for verification of identity will be given on request. The UID Authority will collect the information of the entity requesting for the verification, the time of the request and the response. The purpose for verifying the person\ identity will not be collected.

    Clause 3(2) and Clause 8(2),(3) - Enrolment and Authentication

    • When a person enrolls for the Aadhaar number, they shall be informed about the uses of the information they provide, the recipients of the information and the right to access information.
    • Any entity requesting a person identity information has to first obtain the consent of the person. The information will be submitted only to the Central Data Repository to authenticate the identity of a person.
    • Any entity requesting for identity information must inform the person about the request, about the sharing of that information and the uses of the information once received. They must also be informed about alternative identification proofs.

    Clause 12/Clause 12 and Clause 23(2)(k) - The UID Authority

    • In the Authority, there shall be one chairperson, a chief executive officer and two part-time members.
    • The people of the Authority must have at least 10 years experience and knowledge in matters of law, governance, technology and so on.
    • The revenue that is collected by this Authority will be credited to the Consolidated Fund of India.
    • There is no committee set up to analyse the use of Aadhaar numbers.

    Clause 29(1),(4) and Clause 8(4) - Restrictions on Sharing Aadhaar Information

    • Any biometric information used for enrolment and authentication cannot be used for any other purpose. Biometrics will be stored electronically. The provisions of the Information Technology Act, 2000, will apply. This information will not be shared with anyone.
    • Aadhaar number and biometric information will not be shared, published or displayed in public, except if there is a circumstance specified by the regulations.
    • Entities requesting for a person Aadhaar authentication will not be provided with biometric data.
    • Entities requesting for a person Aadhaar authentication can use the information received only for the purpose for which consent has been given by the individual.

    Clause 38/Clause 41/Clause 42/Clause 47(1) - Offences and Penalties

    • For unauthorised access to the Central Identities Data Repository and for revealing such information, a person can face imprisonment for up to 3 years plus a fine of Rs.10 lakhs or more.
    • For entities who receive Aadhar information upon request for the authentication of an individual, if the information is used for purposes other than specified, the prison sentence can stretch up to 3 years and/or a fine of Rs. 1 lakh is payable.
    • For offences for which a penalty has not yet been specified, the person can face up to 1 year in prison and/or a fine of up to Rs.25,000. In case of companies, the fine can stretch up to Rs.1 lakh.
    • Only complaints made by the Authority will be recognised in court.

    Clause 54(2)(c),(u) - Power of the UID Authority to make regulations

    • The UID Authority can lay out conditions for the acceptance of the Aadhaar number as identity proof of any individual.
    • Regulations can be set by the UID Authority for the sharing of identity information that is collected or created under this scheme, except biometric data.

    Comparison of the Aadhaar Bill 2010 and Aadhaar Bill 2016

    Details20102016
    Who can applyAny person residing in IndiaAny person residing in India for at least 182 days in the year preceding the application
    BiometricsUnspecified biometricsBiometric data is defined as the photograph, iris scan, fingerprints, demographic and other biological information
    UID AuthorityThere shall be a chairperson of the UID AuthorityThe Chairperson must have at least 10 years experience and knowledge in matters of law, governance, technology and so on
    UsesThere was no specific uses of the Aadhaar numberThe Aadhaar number can be used to verify a person identity. It will serve as an ID for government subsidies and services. In the absence of the number, other means of identification will be accepted
    Who can use the informationThere was no specification in this matterAny public or private entity is allowed to request for the Aadhaar information to verify a person identity
    PenaltiesPenalty for unauthorized access to the Central Identities Data Repository was up to Rs.1 croreThe penalty is now up to 3 years imprisonment and/or a fine of Rs.10 lakhs
    There was no provision for wrongful use of informationIf the Aadhaar information is used for any other purpose except authentication, the requesting entity can face up to 1 year imprisonment and/or a fine of Rs.25,000 to Rs.1 lakh
    For offences that have not been defined under the Act, the penalty was a prison sentence of up to 3 yearsThe penalty is now imprisonment up to 1 year and/or a fine of Rs.25,000. In case of companies, the fine is Rs.1 lakh
    RevenueThe revenue shall be collected and credited to the Consolidated Fund of India, and it is mandatory to transfer the full amount back to the UIDAIThe revenue shall be collected and credited to the Consolidated Fund of India
    ReviewThere was an Identity Review Committee that was setup to study the usage of Aadhaar numbers, its extent and patternsThere is no system now

    Recently, the Aadhaar BIll, 2016, was moved to be a money bill. The bill was passed and will now provide statutory grounding for the UIDAI. The Aadhaar system will be used by the Central and State Government to distribute subsidies and services. The Aadhaar programme is an ambitious project that aims at financial inclusion of all residents of India while eliminating corruption, fraud and unnecessary expenditure of government funds.

    *Disclaimer

    News about Aadhar Bill

    • Maharashtra government passes a stringent Aadhaar bill

      On 11th March, 2016, the Lok Sabha had passed the Aadhaar bill to provide legal validity to aadhaar numbers that are assigned to the citizens by the UIDAI. Since the initiation of the Aadhaar project, the UIDAI has faced opposition with regards to security concerns, and the breach of privacy. The Maharashtra government has formulated its own version of the Aadhaar Bill to address those concerns. The state bill insists on setting up a credible system to validate identity of those citizens who are eligible for government provided benefits, subsidies, and services. Aadhaar cardholders will have to furnish proof of possession of aadhaar numbers. Those who don’t have aadhaar will be offered other feasible ways of identification. Maharashtra government passes a stringent Aadhaar bill

      5 January 2017

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    Aadhar Card Reviews

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    • review Saving Account
      "Good"
      HSBC BANK
      0.5 3.0/5 "Satisfactory"
      My salary account was maintained with HSBC Bank for 7 years. Face to face banking experience is really good with HSBC Bank. They don't have option for IMPS transfer on online banking. Whenever I login the net banking, it ask for OTP due to security purpose which is unnecessary and not required.
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      , bangalore
      Reviewed on Jan 20, 2018
    • HDFC Bank Two Wheeler Loan
      "Need to reduce charges"
      HDFC BANK
      0.5 3.0/5 "Satisfactory"
      I had taken a Two wheeler loan with HDFC bank.The loan amount is 70,000 i had closed the loan long back.The EMI is paid through online.I would not recoothe service as they have too many charges on my account and they don't give proper response to the customers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • Standard Chartered Bank Personal Loan
      "Average"
      STANDARD CHARTERED BANK
      0.5 3.0/5 "Satisfactory"
      I had applied for a personal loan with Standard Chartered Bank through online. I had to followup a lot and they took long time to disburse my loan. The customer service was not up to the mark. The documents are collected by the executive at doorstep. The part payment and pre closure option is average. There is a penalty for pre closing. Part payment I cannot more than 25% in the first year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • Liberty Videocon Two Wheeler Insurance
      "Good policy"
      LIBERTY VIDEOCON GENERAL INSURANCE
      0.5 4.0/5 "Great!"
      I have taken Two Wheeler Insurance with Liberty Videocon Insurance.I have it for last year.I pay a premium of 1500 in year.The payment is done through online.I get a good policy coverage amount of 50k.The customer service respond on time.
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      , bangalore
      Reviewed on Jan 20, 2018
    • review Other Loan
      "Good service"
      PAYTM PAYMENTS BANK LTD
      0.5 4.0/5 "Great!"
      I use Paytm for quite a few years,most of time i use paytm for ordering food online at restaurants,to book tickets and also for booking movie tickets,recharges and electricity bills.The website is easy to understand and navigate and never faced technical issues.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • HDFC Bank Credit Card
      "Good card to use"
      HDFC BANK
      0.5 4.0/5 "Great!"
      I have taken HDFC bank credit card they had offered a limit of 60,000.I have been holding this card for last three years now they have increased to 97,000.I need pay an annual fees to hold this card.Net banking is user friendly.I get best offers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • Bank Bazaar Credit Card
      "Good service"
      HSBC BANK
      0.5 4.0/5 "Great!"
      The website is very useful to choose right products with aright bank.The credit card is dispatched on time through bank bazaar.The executives give prompt response to the customers.I ma overall satisfied with the service of the team.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • HSBC Bank Credit Card
      "Good service"
      HSBC BANK
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with HSBC.The limit is 97,000.The card is applicable for an annual fees.I got many offers but i have v not availed those offers.They had processed the card within a week post submitting documents.Net banking is user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • Standard Chartered Bank Personal Loan
      "Excellent"
      STANDARD CHARTERED BANK
      0.5 5.0/5 "Blown Away!"
      I had applied my personal loan through online channel. I hold a salary account with Standard Chartered Bank. It was an excellent experience on my personal loan. The rate of interest was good and they offered around 13%. I am completely happy with the bank service.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • ICICI Lombard Car Insurance
      "Good insurance"
      ICICI LOMBARD GENERAL INSURANCE
      0.5 4.0/5 "Great!"
      I hold a car insurance with ICICI Lombard for one year. This insurance was suggested by the dealer. The customer service was okay not very good. There was no claim experience till now. I paid for bumper to bumper service. The IDV value is 3.5L which was good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • HDFC Bank Car Loan
      "Satisfactory"
      HDFC BANK
      0.5 4.0/5 "Great!"
      My car loan was taken with HDFC Bank before 3.5 years. The interest rate was normal. I have purchased Grand i10. I took 5L and the duration period is 5 years. I have to pay monthly premium as 10,772 rupees through ECS. The services are good on my car loan.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • HDFC Bank Credit Card
      "Credit limit has to be increased"
      HDFC BANK
      0.5 3.0/5 "Satisfactory"
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      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • SBI Saving Account
      "Good"
      STATE BANK OF INDIA
      0.5 4.0/5 "Great!"
      I have a joint account with State Bank of India for past 3 years. It was accessed by me and my wife. I tried calling the customer service and no need to waiter on the queue. The response was proper. I had to maintain a minimum balance of Rs.2500 for every month.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • HDFC Bank Saving Account
      "Good account"
      HDFC BANK
      0.5 3.0/5 "Satisfactory"
      I have a salary account with the HDFC Bank. I am using this account for more than 12 years. The customer service and response was average. I have taken a loan with them and the interest rate was average. It is a zero balance account. ATM services are good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • Bank Bazaar Personal Loan
      "Better"
      STANDARD CHARTERED BANK
      0.5 5.0/5 "Blown Away!"
      Everything was good with bankbazaar.com. The customer service and response was satisfactory. They process my application on time to the bank which was helpful to get a personal loan. The online portal is easy to access and good. Its recommendable to others.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • Standard Chartered Bank Personal Loan
      "Beter"
      STANDARD CHARTERED BANK
      0.5 5.0/5 "Blown Away!"
      I had a nice experience with Standard Chartered Bank. But I haven't received the loan papers yet. They offered normal interest rate and there is no processing fee. The documents are collected by the executive. They disbursed the loan on the promised date.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • Bank Bazaar Credit Card
      "Good service"
      INDUSIND BANK LTD
      0.5 4.0/5 "Great!"
      I have contacted bank bazaar for my credit card request.I have been using the website for last few months.They had immediately responded and they have suggested a good bank in the market.The options on the Website is very useful to operate, and its user friendly.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2018
    • IndusInd Bank Credit Card
      "Good card to use "
      INDUSIND BANK LTD
      0.5 4.0/5 "Great!"
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      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2018
    • SBI Car Loan
      "Best service"
      STATE BANK OF INDIA
      0.5 4.0/5 "Great!"
      I have taken a Car loan with State bank of India.The loan amount is seven lakhs,rate of interest is nominal as compared to others.They had deducted minimum amount of processing fees.I pay my EMI through an ECS payment.The loan process is simple with SBI.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 20, 2018
    • ICICI Bank Saving Account
      "Good service"
      ICICI BANK
      0.5 4.0/5 "Great!"
      I have opened a salaried account with ICICI bank.I have been banking with them for last seven years.I get good response from the customers.I use mobile App and i feel its a best bank to be with.I have enough ATM's located in my place.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 20, 2018
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