How does Aadhaar Linked Bank Account work?

How does Aadhaar Linked Bank Account work?


The Aadhaar interventions facilitate all three:

• Access to Eligible Benefits,
• Access to Full Benefits, 
• Access to Benefits when it is Due.

They increase the impact of existing welfare programs manifolds.

Aadhaar Example :

Imagine Radha and her mother, a BPL family, able to access all the cash and subsidy benefits available to 

them at the various stages and events of their life. The ability to avail all the eligible cash and subsidy 

benefits in full value at the time of need will provide Radha and her parents a great opportunity to come 

out of the poverty cycle. This is possible with Aadhaar enabled welfare programs.

How does Aadhaar Work in Real time?

How does Aadhaar Work in Real time?

The following diagram shows the real time working of Aadhaar. Following is the Operating model of Aadhaar and real time flow of how the transactions take place in Aadhaar model.

What is the use of Aadhaar?

What is the use of Aadhaar? 
National Unique Identity – Digital and Online Verifiable

Typically an individual identity is defined in terms of demographic attributes namely name, gender,

age and address. But demographic data alone cannot guarantee uniqueness. Unique Identity is

possible by linking demographic attributes with bio-metric attributes like fingerprint and iris patterns

of the individual.

With recent advancement in technology,it is now possible to create a digital unique identity for an individual in a large population using bio-metric attributes (fingerprint and iris) which can be verified online. Each unique identity can be assigned multiple

identity tokens of various kinds which can be used

appropriately for authentication as per the business need of service rendered.

Creation and usage of a national unique identity which is digital and verifiable online, can address the current challenges faced in identity establishment by service agencies. Following are the key benefits:

• Availability of portable (works anywhere in India) identity, verifiable online
• Removal of duplicate and fake identities plugging leakages of welfare benefits.
• Authenticate the individual always as the same and unique person, anywhere and anytime
ensuring rightful claimant gets service or benefit.
• Higher scalability of services with online authentication, allowing the service agencies to use
multiple channels for service delivery.
• Reduced beneficiary harassment and rent seeking due to reduced dependency on manual
processes.
• More efficient service delivery process and reduced cost of identity establishment.
• No need to submit physical copies of identity documents. Reduced risk of identity theft associated with physical documents usage.
• Electronic audit trail can be created allowing service agencies to audit their service delivery process more effectively.

How to get an Aadhaar Card?

How to Enroll/Get an Aadhaar Card?

Aadhaar card is an initiative by Central Government to give an Identity to every individual in the nation. Aadhaar will ensure increased trust between public and private agencies and residents. So basically a Single ID card for all purposes.

So how do you Enroll for Aadhaar Card if not already done. Here are few steps you have to follow :

1. Firstly remember that it is Free.
2. Locate the nearest authorized Aadhaar center here: http://appointments.uidai.gov.in/easearch.aspx
3. Carry a Common proofs of identity and address like a election photo ID card, Ration card, passport or driving license. Detailed list can be seen here:http://thehyd.blogspot.in/2012/12/what-are-identityaddress-proof-required.html
4. In case you do not have above common proofs, Certificate of Identify having photo issued by Gazetted Officer/Tehsildar on letterhead is also accepted as PoI. Certificate of Address having photo issued by MP or MLA /Gazetted Officer/Tehsildar on letterhead or by Village Panchayat head or its equivalent authority (for rural areas) is accepted as valid PoA.
5. Even if someone in a family does not have individual valid documents, the resident can still enrol if his/her name exists in family entitlement document. In this case the Head of Family in entitlement document needs to be enrolled first with valid PoI & PoA document. The head of the household can then introduce other members in the family while they are enrolling. UIDAI accepts 8 document types as Proof of Relationship. Detailed list for Proof of Relationship can be seen here :http://thehyd.blogspot.in/2012/12/what-are-identityaddress-proof-required.html
6. Where there are no documents available, resident may also take the help of Introducer's available at the enrollment center. The Introducer's are notified by the Registrar. For further details please contact office of the concerned Registrar.
7. At the enrollment center, please fill your personal details within the form. Your photo, finger-prints and iris scan will also be taken as a part of the enrollment. You can review the details you have provided and make corrections during enrollment itself. You will get an acknowledgment slip with an temporary enrollment number and other details captured during enrollment.
8. Based on your information provided, your details will be verified centrally. If your application is successful, an Aadhaar number will be generated and mailed to your address.
9. The waiting time for Aadhaar may vary from 60-90 days after receipt of resident data.

What are the Identity/Address proof required for Aadhaar Card?

Following are the Documents required as a Proof of Identity/Address for Aadhaar:

Supported PoI(Proof of Identity) Documents Containing Name and Photo:


1. Passport
2. PAN Card
3. Ration/ PDS Photo Card
4. Voter ID
5. Driving License
6. Government Photo ID Cards/ service photo identity card issued by PSU
7. NREGS Job Card
8. Photo ID issued by Recognized Educational Institution
9. Arms License
10. Photo Bank ATM Card
11. Photo Credit Card
12. Pensioner Photo Card
13. Freedom Fighter Photo Card
14. Kissan Photo Passbook
15. CGHS / ECHS Photo Card
16. Address Card having Name and Photo issued by Department of Posts
17. Certificate of Identify having photo issued by Gazetted Officer or Tehsildar on letterhead
18. Disability ID Card/handicapped medical certificate issued by the respective State/UT                 Governments/Administrations


Supported PoA(Proof of Address) Documents Containing Name and Address:


1. Passport
2. Bank Statement/ Passbook
3. Post Office Account Statement/Passbook
4. Ration Card
5. Voter ID
6. Driving License
7. Government Photo ID cards/ service photo identity card issued by PSU
8. Electricity Bill (not older than 3 months)
9. Water bill (not older than 3 months)
10. Telephone Landline Bill (not older than 3 months)
11. Property Tax Receipt (not older than 3 months)
12. Credit Card Statement (not older than 3 months)
13. Insurance Policy
14. Signed Letter having Photo from Bank on letterhead
15.    Signed Letter having Photo issued by registered Company on letterhead
16. Signed Letter having Photo issued by Recognized Educational Instruction on letterhead
17. NREGS Job Card
18. Arms License
19. Pensioner Card
20. Freedom Fighter Card
21. Kissan Passbook
22. CGHS / ECHS Card
23. Certificate of Address having photo issued by MP or MLA or Gazetted  Officer or Tehsildar on                       letterhead
24. Certificate of Address issued by Village Panchayat head or its equivalent authority (for rural areas)
25. Income Tax Assessment Order
26. Vehicle Registration Certificate
27. Registered Sale / Lease / Rent Agreement
28. Address Card having Photo issued by Department of Posts
29. Caste and Domicile Certificate having Photo issued by State Govt.
30. Disability ID Card/handicapped medical certificate issued by the respective State/UT Governments/Administrations
31. Gas Connection Bill (not older than 3 months)
32. Passport of Spouse
33. Passport of Parents(in case of Minor)



Supported  PoR(Proof of Relationship) Documents containing Relationship details to Head of Family:


1. PDS Card
2. MNREGA Job Card
3. CGHS/State Government/ECHS/ESIC Medical card
4. Pension Card
5. Army Canteen Card
6. Passport
7. Birth Certificate issued by Registrar of Birth, Municipal Corporation and other notified local                  government bodies like Taluk, Tehsil etc.
8. Any other Central/State government issued family entitlement document.

Supported Proof of DoB Documents:


1. Birth Certificate
2. SSLC Book/Certificate
3. Passport
4. Certificate of Date of Birth issued by Group A Gazetted Officer on letterhead


Check here : How to Get Aadhaar?

How do i Link my Aadhaar with Bank Account for LPG Gas Cylinder Subsidy?

Government is all set to launch Aadhaar for LPG gas Cylinder subsidy for 6 cylinders per financial year. So all people will holding a LPG gas connection from any of the State owned LPG company will get cash subsidy directly into their Aadhaar linked bank account.

So all you have to do to get the cash subsidy is to get a Aadhaar card and link it with your savings bank account.

How to Link your Aadhaar card with LPG Connection?

• Make sure your Bank account is linked with Aadhaar
• Take a Xerox copy of you Aadhaar card along with Original copy to the LPG Distributor.

How to Link your Aadhaar card with Bank Account?

• Go to your Savings Account Bank Branch
• Submit the copy of your Aadhaar Card. Carry the Original also with you.

(Sample Source : Advertisement by the Government)

How do i Get a Aadhaar Card?

• Go to the nearest Aadhaar Enrollment center with all valid documents

http://appointments.uidai.gov.in/easearch.aspx (Check the nearest center here)

Search Detail Example

SNO Centre Summary Contact Person Mobile No. 1 Indian redcross Hospital building, Near Warasiguda bus stop, Warasiguda, Secunderabad, Hyderabad, Andhra pradesh - 500061 Dinesh 9030444505 2 IAS, Begumpet, Secunderabad, Hyderabad, Andhra pradesh - 500016 Dinesh 9030444505

LPG DISTRIBUTION CURRENT SCENARIO

LPG DISTRIBUTION AADHAAR SCENARIO

Direct Cash Transfer to launch on 2nd Jan 2012 in Andhra Pradesh

Direct cash transfer is all set to launch in Andhra pradesh amidst all the hu-hallah with East Godavari district's Gollaprallau to be the first one where it is to be tested. Direct Cash Transfer is termed as a way to reduce the role of middle man and reach the beneficiary directly. The Government subsidies and other benefits are directly given to the poor in cash via a Aadhar linked bank account thus plugging the leakages in the existing system. So the end user can get the PDS Grains or Kerosene subsidy directly into his bank account instead of it being given to them via ration shop owners.

LPG and kerosene subsidies, pension payments, scholarships and employment guarantee scheme payments as well as benefits under other government welfare programmes will be made directly to beneficiaries. So instead of giving subsidy on Kerosene and other items directly, Government is giving Cash to the poor and abolishing direct subsidy on these items.The risk is that whether the money given to the poor is used for these items or other purposes is very difficult to trace and a strong mechanism is needed to make sure real benefit is reached to the poor.

Bank accounts is another thing which is in focus as only 40% of the Indians have a bank account and lack of bank branches in the backward areas may act as a hindrance to implement this scheme in many states. Lack of ATM's to withdraw money, educating poor on usage of ATM , Aadhaar card distribution and enrollment and linking it with Bank accounts are few other challenges which the Direct Cash transfer scheme might have to face before the real benefits are seen on the ground.

With April 1st,2014 as the All India Roll-out date, Government has to work Day and night if they want to implement it successfully. Otherwise it will also be like any other scheme running for decades without any real impact.