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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

    Aadhar Card Info
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    Aadhar Card Reviews

  • Page 1 of 50 1 2 3 4 5
    • HSBC Bank Credit Card
      "Good"
      HSBC BANK
      0.5 4.0/5 "Great!"
      HSBC credit card is my least choice to prefer, which does not mean ,its not working good. I would like to say that the credit limit value is good one for me and I have stopped to use it for some long time. Offers are good one with them till now.
      Was this review helpful? 1
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Excellent"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      My best credit card is the ICICI bank one because I can merge everything with this credit card . I had been with them for some long time. Customer service is good, while it comes to matter of on time settlement. I have never faced the penalty charges till now , also the offers are up to the mark .
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • HDFC Life Life Insurance
      "Best"
      HDFC LIFE
      0.5 4.0/5 "Great!"
      I do have term life insurance policy with the HDFC life insurance company. Everything was done by online service and the coverage value was around 50 lakh Rupees and the premium is around 14000 Rupees. Regular alerts are fine one with them, also they are flexible with the customer.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • LIC Life Insurance
      "Good"
      LIFE INSURANCE CORPORATION OF INDIA
      0.5 5.0/5 "Blown Away!"
      I do have life insurance policy with the LIC of India and I want to say that they are pioneer of the insurance company. Customer service and other things are really good. Response is very good with the LIC of India and there are no suggestion to them.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Personal Loan
      "Its GOOD"
      ICICI BANK
      0.5 3.0/5 "Satisfactory"
      I have cancelled ICICI personal loan because I was holding my salary account with Standard Chartered bank. Hence I thought to process the loan with existing bank to make process easier. Therefore I didn't avail the personal loan from ICICI but it is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • Bank Bazaar Customer Support
      "Excellent"
      STANDARD CHARTERED BANK
      0.5 5.0/5 "Blown Away!"
      Bankbazaaar.com is really good one and am using it for the second time, also I took some insurance policies with them before. Online portal of the Bankbazaar.com is easy to access, also comparison can be done on immediate basis.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • Standard Chartered Bank Personal Loan
      "Excellent"
      STANDARD CHARTERED BANK
      0.5 5.0/5 "Blown Away!"
      Experience was good with the Standard chartered bank to get the personal loan. Service aspects are really good. The loan amount got disbursed to my account within a week of time. Services are really fine one for me but the branches are lesser one with them. Rate of interest was not at all the constraint, also I can say it was good one.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Saving Account
      "Excellent services"
      ICICI BANK
      0.5 4.5/5 "Excellent!"
      I bank with ICICI Bank for a savings account and it has been a good experience till date. The customer services are good and the online banking is the best. I visit the bank very rarely as I do all my banking online and it is more convenient as well.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 22, 2017
    • Bank Bazaar Customer Support
      "Immediate response"
      HDFC LIMITED
      0.5 4.5/5 "Excellent!"
      Bankbazaar.com have contacted me within five to ten minutes of time, also the response is very prompt. They have forwarded the information to the bankers on immediate basis. Customer service is good and the website is easy to access.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • HDFC Bank Saving Account
      "Better Service"
      HDFC BANK
      0.5 4.0/5 "Great!"
      For the past two years, I am banking with HDFC. I maintain savings account with them. The customer service is pretty good and I am quite happy with the bank service. In all these years I never faced any kind of issues or challenges with the bank.
      Was this review helpful? 1
      , agra
      Reviewed on Jun 22, 2017
    • HDFC Limited Home Loan
      "Better "
      HDFC LIMITED
      0.5 4.0/5 "Great!"
      HDFC limited have contacted me after sometime from the time of inquiry for the home loan. Rate of interest was around 8.5%, which was bit huge one for me , also I am okay with that. Customer service and other things were good only.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • Bank Bazaar Customer Support
      "Overall good"
      STANDARD CHARTERED BANK
      0.5 4.0/5 "Great!"
      The overall experience was nice at Bankbazaar. I received a immediate response and the process was quick as well. I did not get the loan account number from the bank and I called this portal but at that point of time they could not help me with the bank contact. They need to have a proper tab on the aggregation and all the details of the banks should be made more transparent.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 22, 2017
    • Future Generali Life Life Insurance
      "Good insurance company"
      FUTURE GENERALI LIFE INSURANCE
      0.5 3.5/5 "Pretty good"
      I do have life insurance policy with the Future generali life insurance company. Coverage value is good one like its around 50 lakh Rupees and the premium is not at all the comparable one. Claim ratio is the way to choose the policy rather than he premium like Future generali do have a good claims ratio.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2017
    • Bank Bazaar Customer Support
      "Centralized online portal to make the comparison"
      HDFC LIMITED
      0.5 3.5/5 "Pretty good"
      Bankbazaar.com is good thing like I can make the comparison of every bankers relating to the financial requirements. I would like to say that they could make the information to be get forwarded to unique bank only, which customer is really opted. Online portal of the Bankbazaar.com is an average one.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2017
    • HDFC Limited Home Loan
      "Service to be get improved"
      HDFC LIMITED
      0.5 1.0/5 "Really Bad"
      Nobody have contacted me from the HDFC limited for the home loan, which I have inquired. Rate of interest was around 8.6%, also I am okay with them. In future, I would like to go ahead with them in future and I request them to contact the customer as soon as possible.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2017
    • ICICI Lombard Health Insurance
      "Satisfactory "
      ICICI LOMBARD GENERAL INSURANCE
      0.5 4.0/5 "Great!"
      I do have health insurance policy with the ICICI Lombard general insurance company and am with them from the last eight years of time. Service aspects are good one with the ICICI lombard general insurance company, also the coverage value is a satisfactory one and the claim ratio too. I have got around 50% of cost of treatment as claim settlement.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2017
    • Standard Chartered Bank Personal Loan
      "Be more clear in details"
      STANDARD CHARTERED BANK
      0.5 4.0/5 "Great!"
      The overall experience was good and quick. But there was a lacking of clarity as I did not know the loan account number for a long time and there was no point of contact as well. The rate of interest was of 11.99% with a zero processing fees. SCB needs to be more transparent in the personal loan details.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 22, 2017
    • LIC Life Insurance
      "Fantastic"
      LIFE INSURANCE CORPORATION OF INDIA
      0.5 5.0/5 "Blown Away!"
      I do have life insurance policy with the LIC of India and I would like to say that they are government own subsidy, so the claim ratio is a satisfactory one. I do have life insurance policy with the LIC of India from the last fifteen years of time. Customer service is a good one with the LIC of India.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2017
    • Bank Bazaar Customer Support
      "Proper Service"
      HDFC BANK
      0.5 4.0/5 "Great!"
      My loan application was addressed in a proper way. I submitted the loan on their website immediately I received calls from their end and they inquired the information from me and forwarded my application to the bank. I received proper service from bankbazaar.com.
      Was this review helpful? 0
      , agra
      Reviewed on Jun 22, 2017
    • Bank Bazaar Customer Support
      "Fantastic "
      HDFC LIMITED
      0.5 5.0/5 "Blown Away!"
      Bankbazaar.com is very good and am using it from the last two to three years of time. I would like to say all the current scenario of the financial market can be understand through the Bankbazaar.com, also the online portal is very much easy to access.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2017
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