AADHAAR seeding in bank accounts using CSC

Aadhaar seeding process

Aadhaar seeding is a process by which Aadhaar numbers of residents are included in the service delivery database of service providers (In this Case he service provider is Bank) for enabling de - duplication of database and Aadhaar based authentication during service delivery.

The objective of de- duplication is not to replace the currently used unique identifier of the customers/ residents/ beneficiaries with Aadhaar but it is to clean up the databases for any ghosts / duplicate entries and seamlessly enable Aadhaar authentication without impacting any other interface that the service providers maintain with their customers.

Further, as Aadhaar number is unique and does not change over the lifecycle of an individual, the 12-digit Aadhaar number is sufficient enough to transfer any payments to an individual. Today, in order to transfer money to a beneficiary, the Government/ Institution needs to know the bank account, IFSC Code, and bank branch details etc. Aadhaar offers the possibility of sending government payments by using just the 12- digit Aadhaar number for life, which makes government payments agnostic to any changes in the bank Account of the individuals, hence reducing the administrative burden.

CSC e-Gov Services Ltd as an Authorized Service Agency

CSC e-Governance services India Ltd. is registered as Authorized Service Agency (ASA) and Authorized User Agency (AUA) with UIDAI for e- KYC related activities. All the centres are capable of performing EKYC transaction.

CSC Aadhaar seeding platform is a neutral platform and it has the following propositions for Aadhaar seeding with Bank accounts

• Multiple touch points, These centres will be additional points for Aadhaar seeding
• All Common Service Centres (CSCs) capable of handling Aadhaar Seeding as they are offering various services using EKYC
• There are three options on the EKYC platform - IRIS / FINGER PRINT / OTP.
• Application has functionality of taking online consent from the customer for Aadhaar seeding

How can the citizens benefit

• Citizens can visit their nearest CSC location for Aadhaar Seeding
• The CSC operator will Authenticate the customer using Aadhaar. After Authentication, the operator enters other details and provides customer with unique transaction reference no.
• The banks update the details and on completion of the same, the account is seeded with the Aadhaar number.

Source: CSC