Aadhaar-enabled Direct Benefits Transfer Architecture Unique Identification Authority of India July...

Aadhaar-enabled Direct Benefits Transfer Architecture

Unique Identification Authority of India

www.uidai.gov.in

July 22, 2013

http://www.uidai.gov.in/

Structure of the PresentationStructure of the Presentation

Basic ConceptsBasic Concepts

Aadhaar Payments System (APB)Aadhaar Payments System (APB)

Aadhaar Enabled Payment Systems (AEPS)Aadhaar Enabled Payment Systems (AEPS)

What is APB? Pre-requisites for APB Readiness APB Processes Roles & Responsibilities

What is AEPS? Pre-requisites for AEPS Readiness AEPS Processes Roles & Responsibilities

Basic Terms/Concepts (1/2)

• Aadhaar Payments Bridge (APB) – A common infrastructure through which money can be transferred to beneficiaries of various govt. Schemes using just the Aadhaar number and amount

• Micro-ATM – A standard handheld device for BC-based transactions capable of using UIDAI’s authentication system

• Aadhaar Enabled Payments System (AEPS) – An inter-operable network using which people can conduct basic banking transactions through BCs by using online biometric authentication of UIDAI

• Authentication – Matching of Aadhaar no. and biometrics with the data maintained in the UIDAI’s back-end system to enable residents to prove their identity electronically for availing services and benefits

• Sponsor Bank – Bank where the State/ District maintains their account

• Destination Bank – Bank where the beneficiary account is maintained

Basic Terms/Concepts (2/2)

Enrolment Status Phase I – (1/2)

State Name District NameTotal Population

Total Aadhaar Generated (Till

Last week)

Total Aadhaar Generated (Till Current Week)

Total Aadhaar Generated (Current Week)

% of Population Covered

Chandigarh Chandigarh 1054686 837625 841807 4182 79.8%Daman & Diu Daman 190855 100922 101240 318 53.0%Delhi North East 2240749 1446384 1448924 2540 64.7%Delhi North West Delhi 3651261 3201465 3222625 21160 88.3%Haryana Ambala 1136784 838609 850867 12258 74.8%Haryana Sonipat 1480080 973548 985541 11993 66.6%Jharkhand Hazaribagh 1734005 1168327 1183982 15655 68.3%Jharkhand Ramgarh 949159 653921 663727 9806 69.9%Jharkhand Ranchi 2912022 1986334 2001148 14814 68.7%Jharkhand Seraikela-Kharsawan 1063458 659834 669838 10004 63.0%Karnataka Dharwad 1846993 1176133 1204282 28149 65.2%Madhya Pradesh Hoshangabad 1240975 1038432 1044758 6326 84.2%Maharashtra Amravati 2887826 2041034 2075590 34556 71.9%Maharashtra Mumbai 12478447 9049391 9163522 114131 73.4%Maharashtra Nandurbar 1646177 865534 899264 33730 54.6%Maharashtra Pune 9426959 4764934 4862159 97225 51.6%Punjab Fatehgarh Sahib 599814 495327 497295 1968 82.9%Punjab Gurdaspur 2299026 1529401 1557230 27829 67.7%

Enrolment Status Phase I – Cont (2/2)

State Name District NameTotal Population

Total Aadhaar Generated (Till

Last week)




Sikkim East 281293 239986 240898 912 85.6%Sikkim West 136299 113257 113479 222 83.3%Tripura Dhalai 377988 316641 317755 1114 84.1%Tripura North Tripura 693281 537752 538685 933 77.7%Tripura South Tripura 875144 717126 717186 60 82.0%Tripura West Tripura 1724619 1400776 1401761 985 81.3%Andhra Pradesh Anantapur 4083315 3559156 3559883 727 87.2%Andhra Pradesh Chittoor 4170468 3726712 3749865 23153 89.9%Andhra Pradesh East Godavari 5151549 4791225 4807050 15825 93.3%

Andhra PradeshHyderabad & Rangareddy 9306634 9191792 9278664 86872 99.7%

Daman & Diu Diu 52056 46147 46599 452 89.5%Goa North Goa 817761 718701 725890 7189 88.8%Karnataka Mysore 2994744 2692246 2696146 3900 90.0%Karnataka Tumkur 2681449 2392033 2395929 3896 89.4%Kerala Pathanamthitta 1195537 1073944 1078285 4341 90.2%Kerala Wayanad 816558 731765 733946 2181 89.9%Maharashtra Wardha 1296157 1103586 1107075 3489 85.4%Pondicherry Pondicherry 946600 861098 861175 77 91.0%Punjab SBS Nagar 614362 520698 522423 1725 85.0%Madhya Pradesh East Nimar 1309443 1031234 1032605 1371 78.9%Madhya Pradesh Harda 570302 441388 443841 2453 77.8%Total 98259296 74019542 74740128 720586 76.1%

Enrolment Status Phase II – 1/4

State Name District Name Total Population

Total Aadhaar Generated (Till Last week)




Andhra pradesh Adilabad 2737738 2228899 2239158 10259 81.8%

Andhra pradeshCuddapah (YSR Kadapa) 2884524 2223795 2268626 44831 78.6%

Andhra pradesh Guntur 4889230 4317280 4338516 21236 88.7%Andhra pradesh Krishna 4529009 3935326 3949583 14257 87.2%Andhra pradesh Kurnool 4046601 1326761 1340405 13644 33.1%Andhra pradesh Nalgonda 3483648 1987903 2000201 12298 57.4%Andhra pradesh Srikakulam 2699471 2561317 2563319 2002 95.0%Andhra pradesh Vizianagaram 2342868 1115977 1118356 2379 47.7%Bihar Arwal 699563 33272 37291 4019 5.3%Bihar Sheikhpura 634927 57826 79523 21697 12.5%Bihar Sheohar 656916 21859 26650 4791 4.1%Chhattisgarh Dhamtari 799199 139886 150325 10439 18.8%Chhattisgarh Koriya 659039 77364 82535 5171 12.5%Delhi Central Delhi 578671 698639 700957 2318 121.1%Delhi East Delhi 1707725 1697475 1703070 5595 99.7%Delhi North Delhi 883418 808105 810320 2215 91.7%Delhi South Delhi 2733752 2078324 2088751 10427 76.4%Delhi South West Delhi 2292363 1905283 1909732 4449 83.3%Delhi West Delhi 2531583 2070048 2076803 6755 82.0%


Goa South Goa 639962 545774 547212 1438 85.5%Gujarat Anand 2090276 306369 319322 12953 15.3%Gujarat Bhavnagar 2877961 511520 519148 7628 18.0%Gujarat Mahesana 2027727 486705 495391 8686 24.4%Gujarat Valsad 1703068 389624 393772 4148 23.1%Himachal Pradesh Kullu 437474 341030 343629 2599 78.5%Himachal Pradesh Solan 576670 424063 425224 1161 73.7%Jharkhand Bokaro 2061918 1285552 1294061 8509 62.8%Jharkhand Khunti 530299 365140 366686 1546 69.1%Jharkhand Lohardaga 461738 304695 308737 4042 66.9%Kerala Alappuzha 2121943 1774162 1783685 9523 84.1%Kerala Ernakulam 3279860 2705730 2713993 8263 82.7%Kerala Idukki 1107453 920987 924707 3720 83.5%Kerala Kannur 2525637 2008603 2018825 10222 79.9%Kerala Kottayam 1979384 1602088 1616644 14556 81.7%Kerala Kozhikode 3089543 2560983 2569463 8480 83.2%Kerala Palakkad 2810892 2205149 2226295 21146 79.2%Kerala Thiruvananthapuram 3307284 2601448 2609308 7860 78.9%Kerala Thrissur 3110327 2557511 2567398 9887 82.5%












Lakshadweep Lakshadweep 64429 46411 46433 22 72.1%Madhya Pradesh Bhopal 2368145 1579612 1586807 7195 67.0%Madhya Pradesh Burhanpur 756993 541581 542424 843 71.7%Madhya Pradesh Jabalpur 2460714 1565229 1570392 5163 63.8%Maharashtra Aurangabad (MH) 3695928 1889887 1911234 21347 51.7%Maharashtra Gondiya 1322331 734891 745615 10724 56.4%Maharashtra Jalgaon 4224442 2372532 2401085 28553 56.8%Maharashtra Jalna 1958483 1061447 1064961 3514 54.4%Maharashtra Latur 2455543 1292295 1305767 13472 53.2%Maharashtra Ratnagiri 1612672 1006704 1008511 1807 62.5%Odisha Balangir 1648574 931529 935661 4132 56.8%Odisha Cuttack 2618708 1284596 1291969 7373 49.3%Odisha Puri 1697983 865992 875189 9197 51.5%Odisha Sonapur 652107 13465 13930 465 2.1%Puducherry Yanam 55616 25548 25837 289 46.5%Punjab Barnala 596294 450523 454018 3495 76.1%Punjab Jalandhar 2181753 1588521 1613941 25420 74.0%Rajasthan Jhunjhunun 2139658 976190 994304 18114 46.5%Rajasthan Kota 1950491 941203 950443 9240 48.7%Rajasthan Pali 2038533 696018 721233 25215 35.4%







Sikkim North 43354 27690 27843 153 64.2%Sikkim South 146742 125289 125390 101 85.4%Tamil Nadu Ariyalur 752481 483224 483965 741 64.3%Tamil Nadu Pudukkottai 1618725 896370 897504 1134 55.4%Tamil Nadu Tiruchirappalli 2713858 1567820 1571774 3954 57.9%Uttar Pradesh Amethi 0 29952 34682 4730 NAUttar Pradesh Chitrakoot 990626 37850 40917 3067 4.1%Uttar Pradesh Etawah 1579160 362203 368351 6148 23.3%Uttar Pradesh Rae Bareli 3404004 86449 95111 8662 2.8%Uttar Pradesh Sant Kabir Nagar 1714300 56594 58594 2000 3.4%Uttar Pradesh Shrawasti 1114615 80534 86478 5944 7.8%Uttarakhand Bageshwar 259840 25108 25513 405 9.8%Uttarakhand Champawat 259315 46213 50246 4033 19.4%Uttarakhand Tehri Garhwal 616409 22358 23075 717 3.7%West Bengal Haora 4841638 2683044 2689608 6564 55.6%West Bengal Koch Bihar 2822780 1469669 1475627 5958 52.3%Himachal Pradesh Bilaspur (HP) 382056 370922 371612 690 96.4%Himachal Pradesh Hamirpur (HP) 454293 469424 470134 710 102.7%Himachal Pradesh Mandi 999518 930175 932462 2287 91.7%Himachal Pradesh Una 521057 512171 512819 648 97.9% Total 140263829 83329705 83929080 599375 59.8%

Preparatory/One-Time StepsPreparatory/One-Time Steps• Government Departments: Digitize

Beneficiary database and Seed Aadhaar numbers. This will clean up databases and make departments ready to use APB

• Banks: Open bank accounts or link existing accounts with Aadhaar number. Populate NPCI’s mapper (Aadhaar No – Bank ID)

• National Payments Corporation of India: Maintain the Mapping of Aadhaar no and Bank

Legends:

Aadhaar Enabled Direct Benefits TransferAadhaar Enabled Direct Benefits TransferGovernment

Departments / User Agency

Banks Central Mapper / NPCI

Ensure digitized/electronic database of beneficiaries

Seed Aadhaar to clean up databases and act as

financial address

Generate payment advise file – Aadhaar no &

amount to be transferred

Electronically share file with the Sponsor bank of

Department

Receive confirmation from Sponsor bank on transfer

status / further action

All Banks communicate Aadhaar no of all AEBA to

Central Mapper

Sponsor Bank posts payment advise file to Central Mapper for all OFF-US transactions

Sponsor Bank updates Department and takes corrective action, if any

Maintain an updated Central Mapper and

Aadhaar Payment Bridge (APB)

Facilitate transfer/ settlement across banks

Update Sponsor Bank of status & failures, if any

Resident

Open/Link Aadhaar Enabled Bank Account

(AEBA) with any bank of choice

Use Aadhaar authentication (AEPS) or

other channels to withdraw money

One-time activities

Recurring activities

Aadhaar Payments Bridge – How it works

APB ProcessAPB Process

1. Routing of Aadhaar Payments Bridge will be done basis Institute Identification Number (IIN) provided by National Payments Corportation of India (NPCI) to participant banks

2. Sponsor Banks will upload APB File onto NPCI server3. File will contain Aadhaar Number, Bank IIN, Amount & Job Referance Number4. NPCI will process uploaded files, prepare draweee bank files and generate settlement file5. Settlement file wil be posted to bank accounts with RBI 6. Destination banks can download the incoming files for credit processing after the settlement file has been

processed

Advantages of APB to DepartmentsAdvantages of APB to Departments• Removes fakes/ duplicates from the beneficiaries list leading to savings

• Eases the entire process for transferring benefits as the Govt. just needs to know the Aadhaar numbers of the beneficiaries without seeding bank account details in every scheme database

• Eliminate Errors/Frauds as the resident is in control of his data at both ends (Department and Bank). Direct linking ( of Domain ID with Bank Account) without Aadhaar is a non-trivial problem.

• Ensures Scalability as each scheme does not require to populate their database with bank account details. APB is a platform

• Bank account changes do not affect the transfer systems for various schemes

• 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.

• Digital audit trail & Transparency

• Real time monitoring and efficient funds & program management

End-to-end transparency and accountabilityEnd-to-end transparency and accountability

Aadhaar Pension ID

8384 8239 5837 3883923

4390 9203 9593 8592374

Aadhaar Account

8384 8239 5837 27390239

4390 9203 9593 397802232

Aadhaar MicroATM

8384 8239 5837 736509

4390 9203 9593 583902

Aadhaar linkage in the Government and Bank databases provides end-to-end visibility of subsidy and benefits payments from Government to the beneficiaries.

16

Snapshot of Daily report – Snapshot of Daily report – available to all stakeholdersavailable to all stakeholders

Scheme Wise breakup dated 13-07-2013Sl No Scheme Name Bank Name District Volume

(Nos) Amount(Rs.)

1 BHARAT PETROLEUM CORPORATION LPG SUBSIDY State Bank of India Bombay 9,086 3,958,450.79

2 CPSMS Bank of Maharashtra Pune 1 700.00

3 HINDUSTAN PETROLEUM CORPORATION LPG SUBSIDY State Bank of India Bombay 25,652 11,194,546.57

4 INDIAN OIL CORPORATION LPG SUBSIDY State Bank of India Bombay 20,447 8,829,664.80

5 OLD AGE PENSION State Bank of India Puduchery 48,083 48,093,600.00

6 POST MATRIC SCHOLARSHIP FOR OBC STUDENT

State Bank of India Pune 19 42,915.00State Bank of Patiala Shimla 27 1,242,071.00

7 POST MATRIC SCHOLARSHIP FOR SC STUDENT

ICICI Bank Ltd barnala 8 33,440.00Indian Bank Puduchery 148 2,338,154.00State Bank of Patiala Shimla 59 2,886,553.00

8 POST MATRIC SCHOLARSHIP FOR ST STUDENT State Bank of Patiala Shimla 4 220,921.00

9 RAJIV GANDHI NATIONAL FELLOWSHIP Indian Bank Puduchery 46 853,600.00

10 UIDAI Canara Bank Chandigarh 18 18.00 Total 103,598 79,694,634.16

Advantage of APB to BeneficiariesAdvantage of APB to Beneficiaries• No need to open multiple accounts. Just open

one and link it to Aadhaar.

• Residents more comfortable in disclosing only the Aadhaar number to Govt. Agencies (e.g. LPG Dealers) rather than bank account details

• In case of change in bank account, resident does not need to convey account details or change in bank details to each department that he deals with

Roles and ResponsibilitiesRoles and Responsibilities

Central/State Government Banks

UIDAI

APB – Current StatusAPB – Current Status

• More than 100 banks live on APB including Cooperative banks and RRBs

• As of July 15, more than 25 lakh transactions have taken place through APB since Jan 1 with more than Rs. 200 cr. transferred

• As on date, more than 1.55 cr. Aadhar numbers mapped at NPCI

APB - Important issuesAPB - Important issues

• State/ District to monitor that the files uploaded to banks are processed the same day

• Sponsor Bank is liable to provide a return file to State/ District on a daily basis as NPCI generates a daily file

• Procedure to be firmed up for records returned basis the reason codes

• NPCI charges 20 paise per transaction from Sponsor Bank for inter-bank transactions. Number of banks in the country are willing to absorb this charge

• Push Sponsor Banks to send all transactions including intra-bank through APB in order to ensure end-to-end visibility

APB - Important issuesAPB - Important issues

• Aadhaar Numbers don’t start with 0 and 1• State are requested to incorporate Verhoeff algorithm to

ensure structural validity of the Aadhaar number

Structure of the PresentationStructure of the Presentation

Context and Concepts Context and Concepts

Aadhaar Payments System (APB)Aadhaar Payments System (APB)

Aadhaar Enabled Payment Systems (AEPS)Aadhaar Enabled Payment Systems (AEPS)

What is APB? Pre-requisites for APB Readiness APB Processes Roles & Responsibilities

What is AEPS? Pre-requisites for AEPS Readiness AEPS Processes Roles & Responsibilities

Convenient Cash Withdrawal Through Convenient Cash Withdrawal Through AEPSAEPS

AEPS Process FlowAEPS Process Flow

1. A resident is required to provide their Aadhaar Number and fingerprint impression at the microATM Level2. Leveraging GPRS Data Connectivity Signal, data packets are transferred to Bank Switch to NPCI to UIDAI in a

digitally signed and encrypted manner3. UIDAI Authentication Server decrypts the data packet and performs a 1:1 match against the Aadhaar

Number4. Based on the matching of fingerprint impression in data packet versus the fingerprint impression in back-

end, UIDAI Authentication Server will return a Yes or No response only5. Using the same route a digitally signed and encrypted response will be sent back to Banks, wherein

depending upon the response they can proceed to conclude the financial transaction6. In case of residents with Biometric Exception, the software deployed by banks at microATM level provides

an interface to perform financial transaction after fulfilling the pre-requisite policies in place, thus providing an opportunity to mail electronic trail of data

Advantages of AEPSAdvantages of AEPS• Beneficiary can receive money at doorstep• Inter-operable system thereby ensuring

customer is not tied to one bank’s BC• Network of BCs, bank branches and Post

Office can leverage a single biometric authentication system accessible through microATMs

• Efficiency in public expenditure as no need for banks to separately capture biometrics and develop their own de-duplication and Authentication systems

Roles and ResponsibilitiesRoles and Responsibilities

Banks (AUA) Domain Aggregator (ASA)

UIDAI Government

AEPS - Current StatusAEPS - Current Status• Device specifications frozen in August 2012

• More than 10,000 Micro-ATMs deployed by Indiapost/ banks in Andhra Pradesh, Jharkhand, Chandigarh, Delhi, Tripura & Maharashtra currently for various schemes

• Nearly 15 lakh beneficiaries have already received their payments through BCs and online microATMs using Aadhaar biometric authentication

• Expected to scale to more than 25,000 microATMs by end-August

• UIDAI is funding 1 lakh microATMs to banks @ Rs. 15,000 each

Other important updatesOther important updates

• Ministry of Finance (Department of Expenditure) has notified that banks can be paid commission for DBT transactions

• The Commission is payable @ 1% + 1%

Three Steps to Enable Direct Cash TransferThree Steps to Enable Direct Cash Transfer

Link Aadhaar Aadhaar Enabled Bank Accounts (AEBA)Aadhaar Enabled Payment System (AEPS)

Aadhaar Payment Bridge(APB)

Support from UIDAISupport from UIDAI

1. Aadhaar Seeding tools such as SRDH, RASF etc

2. ICT Assistance & Advisory services to State Governments

1. Facilitate Banks for adopting APB & AEPS

1. Enrolment centers in target districts2. Banks and Departments are

Registrars and can facilitate enrolment

1111 2222 3333

Thank You!

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