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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

      5th January 2017

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    Aadhar Card Reviews

  • Page 1 of 50 1 2 3 4 5
    • HDFC Bank Saving Account
      "Convenient banking"
      HDFC BANK
      0.5 4.5/5 "Excellent!"
      I hold a savings account with HDFC bank and I need to maintain a minimum balance of 10K in my account. If I failed too, there are charges taken. The online banking is user friendly and there are no charges taken for the IMPS transactions. The ATM services are convenient too.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2017
    • Bank Bazaar Customer Support
      "Excellent services"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      I got the best of services from Bankbazaar and the response was excellent from them. It was prompt and there were no issues in getting any details of the banks. The website was self explanatory and the comparison options was useful as well to choose the best bank.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2017
    • ICICI Bank Personal Loan
      "Could be more clear in details"
      ICICI BANK
      0.5 4.0/5 "Great!"
      I could not proceed for the personal loan with ICICI Bank and there was no clarity in the documentation and I was not informed the exact reason as to why my application was closed. The rate of interest and processing charges was normal when compared to other banks.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2017
    • SBI Saving Account
      "Better Service"
      STATE BANK OF INDIA
      0.5 2.0/5 "Expected more"
      I am an old customer of State bank of India. I am using salaried account with them for long time. I do not have any trouble with the bank all these years. I am not using net banking app as it is so difficult to understand and to use. When compared with HDFC online services, SBI has to improve their services.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • SBI Home Loan
      "Better Service"
      STATE BANK OF INDIA
      0.5 4.0/5 "Great!"
      In the year of 2014, I had taken a home loan from SBI. The rate of interest was around 10.15% at that time. EMI will be deducted from my salary account every month, so I do not have any interactions with the customer service executives till date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Service"
      HDFC BANK
      0.5 4.0/5 "Great!"
      I got credit card from HDFC bank with the limit of one lakh and twenty five thousand rupees. There is no annual fee for the card. Though I am not getting cash back offers but I am getting loan against my credit card with the lowest interest rate.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • review Other Loan
      "Beneficial"
      HDFC BANK
      0.5 4.0/5 "Great!"
      HDFC called me once and they said they are willing to provide the loan against my credit card. Hence I availed the offer, they provided the loan with low rate of interest. The loan amount is one lakh and the interest rate is of .99%. The entire process went smooth and I got the loan on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • ICICI Bank Saving Account
      "Better "
      ICICI BANK
      0.5 2.0/5 "Expected more"
      I do not have much more transactions with ICICI bank. I hold savings account for more than two years. The way of response and customer service is not as good as HDFC bank. Also there is no much benefits from the bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • HDFC Bank Saving Account
      "Better than other banks"
      HDFC BANK
      0.5 4.0/5 "Great!"
      My experience with HDFC bank is good for the savings account. And it is the recommendable bank for banking services. The banking facilities are good with HDFC than the other banks even their customer support is better than other banks. I bank with them for more than three years. I am getting offers, recently they provided loan against credit card. Mobile banking and net banking app is superb and very easy to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • Axis Bank Credit Card
      "Good card to use"
      AXIS BANK
      0.5 5.0/5 "Blown Away!"
      There are no great offers with this AXIS BANK NEO CREDIT CARD , using this card only for the credit limit. I am using this Neo card for past 1 year. I don't redeem the reward points with this card . I am happy with credit limit, The bill payment is easy to do via net banking.
      Was this review helpful? 0
      , pune
      Reviewed on May 23, 2017
    • IndusInd Bank Personal Loan
      "Prompt action is necessary"
      INDUSIND BANK LTD
      0.5 1.5/5 "Bad"
      I have requested to the Indusind bank for the personal loan, also I have told them to contact after a month of time. Rate of interest was around 16% to 17% and the customer service was not good and I would like to suggest that they need to call the the customer on stipulated time period.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • Axis Bank Saving Account
      "Excellent Service and easy banking"
      AXIS BANK
      0.5 5.0/5 "Blown Away!"
      The reason why I like Axis bank was mainly because of the 'Net banking', which is pretty convenient while it comes to transferring the funds or paying the bills and etc, its very easy process to use the net banking. I am using Axis bank salaried account for past 4 years. The rate of interest is average in concern with my salaried account. Overall they are very good in providing service,
      Was this review helpful? 0
      , pune
      Reviewed on May 23, 2017
    • Tata capital Personal Loan
      "Prompt and good service"
      TATA CAPITAL LIMITED
      0.5 5.0/5 "Blown Away!"
      TATA CAPITAL LIMITED is very good in providing response in concern to my personal loan application. The documentation process was done in a proper way and the disbursement of the loan was done on time. They had disbursed my Personal Loan within 3 days of time. The interest rate is also nominal here. Overall I am satisfied with the Tata capital .
      Was this review helpful? 0
      , pune
      Reviewed on May 23, 2017
    • Bank Bazaar Customer Support
      "Good Service"
      KOTAK MAHINDRA BANK
      0.5 3.0/5 "Satisfactory"
      I got good service from bankbazaar. I just visited their website and submitted my loan application with them. After that I received calls from bankbazaar end and they forwarded my loan application to the bank. Their website is so simple to navigate.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • Bank Bazaar Customer Support
      "Good service"
      ICICI BANK
      0.5 4.0/5 "Great!"
      Bankbazaar gave a prompt response with the customer support. The bankbazaar.com gave many options to choose the products with different interest rates. The web portal with bankbazaaz.com is easy to use and customer friendly. I know bankbazaar for about for past 1 year. I know about it through promotional mails. Overall I am happy with the bankbazaar. Com service.
      Was this review helpful? 0
      , pune
      Reviewed on May 23, 2017
    • ICICI Bank Personal Loan
      "Prompt service however need to work on low interest rates"
      ICICI BANK
      0.5 3.0/5 "Satisfactory"
      The reason I was disappointed with ICICI bank personal loan was the interest rate because there are banks which gives the personal loan with very low interest rates, when compared with ICICI bank. The response was very prompt with the ICICI bank. Overall I am satisfied with their service.
      Was this review helpful? 0
      , pune
      Reviewed on May 23, 2017
    • Kotak Personal Loan
      "High Rate of Interest"
      KOTAK MAHINDRA BANK
      0.5 3.0/5 "Satisfactory"
      I thought to take a personal loan from Kotak Mahindra bank so I applied with them. But then, I am not feel comfortable with their rate of interest as it is very high than the other banks. So I just closed the application. But I got good response from the bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • review Gold Loan
      "Nice experience"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      ICICI Bank has a quick process for the Gold loan. I did not have to do much to get this loan and there was not much of formalities as well. The bank was not high on the interest rate and charges and overall a good experience in the after loan services too.
      Was this review helpful? 0
      , chennai
      Reviewed on May 23, 2017
    • review Current Account
      "Good"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      The experience for a current account was good with ICICI Bank. As long as I used the account there were no issues. There was a minimum balance that had to be maintain on a average every three months and it was a economical amount too. I no longer use the account.
      Was this review helpful? 0
      , chennai
      Reviewed on May 23, 2017
    • ICICI Bank Saving Account
      "Very good services"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      I currently bank with ICICI Bank for a savings account and I like to bank with them as the banking services are excellent and easy to use. The net banking is very convenient as well. The customer support is helpful when I contact them over the phone or at the bank.
      Was this review helpful? 0
      , chennai
      Reviewed on May 23, 2017
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