Social Inclusion through e-Governance

Presentation by: Keshni Anand Arora, IAS

Dy Dir General, UIDAI, RO Chd

08 Feb, 2014

Social Inclusion through e-Governance

• Social Inclusion is about facilitating• Equal Opportunities to grow and develop• Equal Access to resources• Improving Capacity to utilize these opportunities

• e-Governance is an instrument of• Change• Improving public service delivery• Social Inclusion

Social Inclusion through e-Governance

• There are challenges in e-Governance, inter-alia• How to reach millions of residents who don’t have any

formal identity for efficient service delivery?• How to ensure that the benefits reach those who deserve

it the most?• How to check pilferages in Govt. programs covering the

disadvantageous sections?

• Aadhaar addresses these challenges efficiently & effectively• Aadhaar facilitates financial inclusion

Leveraging technology to address challenges in e-Governance and Service Delivery

Need of the Hour is…..

Aadhaar with its inherent portability and tech-savvy architecture is the answerAadhaar with its inherent portability and tech-savvy architecture is the answer

• Potentially can extend Financial Inclusion in the most interior of geographies and worst of excluded masses.

• Integrated and real-time approach to assist in Policy Making and Resource Planning at the highest level.

• Is a formal, portable and unique Identification of every resident.

• Databases across departments/states need to be digitized and standardized - A seamless approach to extend benefits to the right beneficiaries in timely manner.

Universal ID, valid all India

Interoperable platform for multiple applications

Identity verifiable through mobile and online

Anywhere authentication through demographics,

biometrics, or OTP

Only one number per person

Can be linked to Bank a/c numbers, and other identifiers

Aadhaar- World’s largest online authenticable biometric database

Aadhaar as a financial address

• Aadhaar enables opening of Bank Acct– Dr Nachiket Mor Committee recommended that by

January 1, 2016 every Indian resident, above the age of 18 years, would have an Bank Account.

• APB is a payment system implemented by NPCI – NPCI uses Aadhaar as a central key for transfer of

funds to the Aadhaar enabled Bank Account.

• AEPS is a bank led model which allows online interoperability – Financial inclusion transaction at PoS (MicroATM) through the BC of any bank using

the Aadhaar authentication.

• Faster reconciliation of funds disbursed is possible• APB simplifies disbursal of funds

– Only one account for all disbursals.

Aadhaar as a financial address….. contd

Aadhaar Payment Bridge (APB)– 256 banks active on APB– About 6 crore Aadhaars mapped to Bank Accts– Rs 2967 cr paid in almost 5 cr transactions under 63 schemes

AEPS• Over 17,000 MicroATMs deployed on

field.• About 2 crore authentication transactions

done.

Uniqueness of Aadhaar - helps in detection of duplicates & fakes

Aadhaar ensures efficient detection of fakes/ duplicates in the existing databases

Additional places where Aadhaar helped:•Nearly 45,000 LPG consumers have been detected having 2 or more than 2 gas connections through Aadhaar in 19 districts so far. This will help in saving Rs 23 crore annual subsidy.•1866 non-existent & 11 duplicate beneficiaries (out of 21,117) were detected in the social welfare schemes at Chandigarh.•389 bogus family ration cards were detected in Mahe (Puducherry).•10-15 % non-existent connections in LPG.

• Detection of duplicates & fakes to the tune of 40% in PDS in some areas in East Godavari District (AP).

• 18% savings achieved through elimination of ghosts in social welfare schemes in AP.

Authentication enables online verification of identity- anytime, anywhere

Aadhaar- Online Identity

• It may be performed at an agent location using biometric authentication, as well as remotely using an OTP on a website or mobile connection.

• Already 7 organizations have become KUAs . It includes ICICI, AXIS, OBC, Bajaj Finance, etc.

• In January alone, over 4500 new accounts were opened based on e-KYC.

• The e-KYC service provides an instant, electronic, non-repudiable proof of identity and proof of address along with date of birth and gender.

Enabling Aadhaar for the marginalised

• Enrolments of children, differently abled persons, the Poor and Marginalised are done.

• UIDAI has a system of ‘Introducer’ to enable Aadhaar enrolment of residents, who don’t have valid document to prove their identity or who are not part of any Govt. database.

• Inability to prove identity many times prevent the poor from accessing benefits & subsidies

• Special Camps have been organised to enrol Leprosy affected residents, Old Aged, Special children, Visually impaired, Hearing impaired, Orphans, Jail inmates, etc.

Case Study – Andhra Pradesh (PDS)

•In some areas the weeding out of duplicates and fakes in excess of 40%.

•About 1 lakh unique beneficiaries authenticate month on month in AP.

•Beneficiary patterns and PDS shop stocks are managed reducing surprise for stakeholders.

•In some areas the weeding out of duplicates and fakes in excess of 40%.

•About 1 lakh unique beneficiaries authenticate month on month in AP.

•Beneficiary patterns and PDS shop stocks are managed reducing surprise for stakeholders.

To ensure that true beneficiary avails the benefits of PDS scheme ,with real time monitoring and stock replenishment.

To ensure that true beneficiary avails the benefits of PDS scheme ,with real time monitoring and stock replenishment.

Problem Statement

Value Added

Beneficiary Aadhaar was linked to Ration Card .Beneficiary comes to collect groceries, the materials

collected were entered in PoS device.The Aadhaar was authenticated to verify identity.The materials get reduced from stock and real time

monitoring happens in PDS system with monitoring at PDS shop, beneficiary and stock position levels.

Beneficiary Aadhaar was linked to Ration Card .Beneficiary comes to collect groceries, the materials

collected were entered in PoS device.The Aadhaar was authenticated to verify identity.The materials get reduced from stock and real time

monitoring happens in PDS system with monitoring at PDS shop, beneficiary and stock position levels.

Usage of Aadhaar

Case Study – Chandigarh Administration

•1866 non-existent beneficiaries & 11 duplicates were detected in the Social welfare Schemes.

•Almost Rs 9 Cr paid to the pensioners through AEPS.

•Aadhaar is being linked with 45959 Ration cards identified under National Food Security Act 2013.

•1866 non-existent beneficiaries & 11 duplicates were detected in the Social welfare Schemes.

•Almost Rs 9 Cr paid to the pensioners through AEPS.

•Aadhaar is being linked with 45959 Ration cards identified under National Food Security Act 2013.

AEPS needs to be leveraged for Social Pension disbursement for removing ghost/ duplicate beneficiaries.

AEPS needs to be leveraged for Social Pension disbursement for removing ghost/ duplicate beneficiaries.

Problem Statement

Value Added

Aadhaar is being used in Social Security Pension payments, Slum Rehabilitation, DBT Scholarship schemes, DBT-L , etc.

AEPS for Social Pension disbursement was launched by the Administrator.

CHB has already seeded Aadhaar in more than 10,000 applicants for allotting Small Flats with Aadhaar integration.

Aadhaar is being used in Social Security Pension payments, Slum Rehabilitation, DBT Scholarship schemes, DBT-L , etc.

AEPS for Social Pension disbursement was launched by the Administrator.

CHB has already seeded Aadhaar in more than 10,000 applicants for allotting Small Flats with Aadhaar integration.

Usage of Aadhaar

Case Study – LPG Payments

•12 crore active connections and over 2.17 crore consumers have availed subsidy through the new system.

•About 1.5 crore unique beneficiaries were paid subsidy last month.

•OMCs are able to de-duplicate the number of connections and are able to monitoring on number of cylinders delivered in a time period.

•12 crore active connections and over 2.17 crore consumers have availed subsidy through the new system.

•About 1.5 crore unique beneficiaries were paid subsidy last month.

•OMCs are able to de-duplicate the number of connections and are able to monitoring on number of cylinders delivered in a time period.

LPG Refills are available at subsidized rates , thereby encouraging leakages, diversion of subsidy, black marketing and difficulty in capping cylinder usage.

LPG Refills are available at subsidized rates , thereby encouraging leakages, diversion of subsidy, black marketing and difficulty in capping cylinder usage.

Problem Statement

Value Added

• Beneficiary Aadhaar is linked to LPG consumer number and to Bank account of consumer.•On first refill booking after DBT-L, a One-Time permanent

advance is credited to beneficiary’s Bank Account for funding the difference in full price and subsidized rate.•On Refill delivery, the difference in full price and

subsidized rate is credited to beneficiary‘s Bank account. This is limited to the number of subsidized Refills.

• Beneficiary Aadhaar is linked to LPG consumer number and to Bank account of consumer.•On first refill booking after DBT-L, a One-Time permanent

advance is credited to beneficiary’s Bank Account for funding the difference in full price and subsidized rate.•On Refill delivery, the difference in full price and

subsidized rate is credited to beneficiary‘s Bank account. This is limited to the number of subsidized Refills.

Usage of Aadhaar

Free Healthcare

•eKYC may be used to get instant identity of the patient at the time of initial visit to the Health Institution.

•Health institutions may use Aadhaar number of patients to maintain information on the benefits availed (Free medicines/ free treatment/ Health Insurance).

•Patient information stored in various systems and different locations may be combined using Aadhaar, to enable portability of patient records. It will enable patients to avail the service from any hospital.

•eKYC may be used to get instant identity of the patient at the time of initial visit to the Health Institution.

•Health institutions may use Aadhaar number of patients to maintain information on the benefits availed (Free medicines/ free treatment/ Health Insurance).

•Patient information stored in various systems and different locations may be combined using Aadhaar, to enable portability of patient records. It will enable patients to avail the service from any hospital.

No unique identification & tracking of beneficiaries availing free treatment & free medicines.

No portability of patient records.

No unique identification & tracking of beneficiaries availing free treatment & free medicines.

No portability of patient records.

Problem Statement

How Aadhaar can help

Contractual manpower

•eKYC may be used at the time of joining to get instant identity of employee.

•Aadhaar as unique identifier ensure that a staff does not receive double payments or work with different identities.

•Attendance may be taken based on actual presence with online authentication.

•Portability of employee records of EPF, ESIC, etc may be ensured with linking to Aadhaar.

•eKYC may be used at the time of joining to get instant identity of employee.

•Aadhaar as unique identifier ensure that a staff does not receive double payments or work with different identities.

•Attendance may be taken based on actual presence with online authentication.

•Portability of employee records of EPF, ESIC, etc may be ensured with linking to Aadhaar.

Retrenched staff joins back with different documents on fake identities.

Possibility of double payments or payments without actually attending duty.

No unique identification & tracking of contractual manpower.

Retrenched staff joins back with different documents on fake identities.

Possibility of double payments or payments without actually attending duty.

No unique identification & tracking of contractual manpower.

Problem Statement

How Aadhaar can help

Thanks !

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