1. Aadhaar, PAN, bank account linking: Here is why you must complete the linkage

Aadhaar, PAN, bank account linking: Here is why you must complete the linkage

From PAN to bank accounts and mobile numbers, Aadhaar linkage is now mandatory if you want to continue to avail these services.

By: | New Delhi | Published: July 19, 2017 2:54 AM
Aadhaar, PAN, bank account linking One of the first targets of Aadhaar was the mobile number.

As a standalone document Aadhaar was just a proof of identity, but it was always clear that the government would like to make it more than just that, given that it was intent on biometric registration. A few years after Aadhaar has made its debut, various services are now being tied to the unique identification solution. First, it was bank accounts and welfare schemes like MGNREGA, mid-day meals and pension scheme, now the government wants to link databases across services. With over 120 crore registrations, it can be a good fraud check too as anybody registering for one service would also need to have an authentic Aadhaar number. Let us take stock of the various services that are linked to Aadhaar today and more that are in the offing.

Mobile number

One of the first targets of Aadhaar was  the mobile number. Although most new registrations are eKYC based, the government plans to cover all connections by February 6, 2018. So, by next year most mobile numbers would be Aadhaar enabled. Not only would this solve the problem of people putting up fake Ids to get mobile numbers, but number  portability and acquiring a new connection would become easier. The process for linking your mobile number to your Aadhaar is simple. All you need to do is visit the nearest mobile centre, show your card and register your biometrics, and it is done. If you wish to get on the government’s digital bandwagon, this may become a mandatory step.

Bank account

The government’s work on e-payments cannot be complete if you have not linked your Aadhaar to your bank account. All accounts, besides the no-frill Jan-Dhan accounts, need to be Aadhaar linked by December 31, 2017. The process is much similar to that of a mobile connection, you need to visit your bank branch or link it through net banking. It is expected to catapult payments and make it much easier for people to open accounts. More important, BHIM, UPI, all being UIDAI connected platforms, Aadhaar becomes a necessary condition. For seamless transactions, Aadhaar is a must.

PAN number

One of the government’s latest initiatives that has created much furore, Aadhaar is now  mandatory for filing income tax returns. For those having filed online returns last year, the I-T departments already has your Aadhaar number, but for new users, the window has been open since July 1. Although the government has not set a deadline, making it mandatory for anyone filing returns means most would have registered it by the end of July, as this time late filing also attracts a penalty. Registration is easy, you can go to the e-filing website, key in your PAN and Aadhaar data and get it verified by an OTP.

Voter ID card

The Election Commission had embarked on the process of linking Aadhaar and voter ID, it had stopped following the litigation in the Supreme Court. Although the commission has not set a deadline, you can go ahead and register yourself. So, if the government does make it mandatory citing voter fraud, you would not have to trouble yourself in the last few days. The process is easy. You can do it either through the National Voters Service Portal (NVSP) portal or via SMS. To do it from NVSP, you need to search your name through the electoral ID and feed in your Aadhaar information, for SMS linking you need to type ECILINK < EPIC_Number > < Aadhaar_Number > and send it to 166 or 51969.

Besides these four services, Aadhaar has also been made mandatory for MNREGA, Indira Gandhi Pension Yojana, mid-day meal—this is contingent upon states—Targeted Public Distribution System and over 60 other schemes. While some are already mandatory, there are plans to make Aadhaar linking mandatory for all by March 2018. More important, if the Supreme Court gives it a go ahead and government can convince it of a stringent privacy bill, one can see Aadhaar becoming a necessary and sufficient condition for driving licence, passport, booking of flight and train tickets. There will always be detractors to the services, but with Aadhaar becoming a one-stop solution it is important that government strengthens the privacy law around it so that private players or the government itself cannot take advantage of it.

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  1. R
    Oct 21, 2017 at 12:48 pm
    A centralized and inter-linked biometric database like Aadhaar will lead to profiling and self-censorship, endangering freedom. Personal data gathered under the Aadhaar program is prone to misuse and surveillance. Aadhaar project has created a vulnerability to identi-ty fraud, even identi-ty theft. Easy harvesting of biometrics traits and publicly-available Aadhaar numbers increase the risk of impersonation, especially online and banking fraud. Centralized databases can be hacked. Biometrics can be cloned, copied and reused. Thus, BIOMETRICS CAN BE FAKED. High-resolution cameras can capture your fingerprints and iris information from a distance. Every eye hospital will have iris images of its patients. So another person can clone your fingerprints and iris images without your knowledge, and the same can be used for authentication. If the Aadhaar scheme is NOT STOPPED by the Supreme Court, the biometric features of Indians will soon be cloned, misused, and even traded.
    1. R
      Oct 21, 2017 at 12:48 pm
      UK’s Biometric ID Database was dismantled. Why the United Kingdom's biometrics-linked National Identi-ty Card project to create a centralized register of sensitive information about residents similar to Aadhaar was scrapped in 2010?? The reasons were the massive threat posed to the privacy of people, the possibility of a surveillance state, the dangers of maintaining such a huge centralized repository of personal information, and the purposes it could be used for, and the dangers of such a centralized database being hacked. The other reasons were the unreliability of such a large-scale biometric verification processes, and the ethics of using biometric identification. Please Google: "Identi-ty Cards Act 2006" and "Identi-ty Documents Act 2010" for more information.
      1. R
        Oct 21, 2017 at 12:47 pm
        The US Social Security Number (SSN) card has NO BIOMETRIC DETAILS, no photograph, no physical description and no birth date. All it does is confirm that a particular number has been issued to a particular name. Instead, a driving license or state ID card is used as an identification for adults. The US government DOES NOT collect the biometric details of its own citizens for the purpose of issuing Social Security Number. The US collects the fingerprints of only those citizens who are involved in any criminal activity (it has nothing to do with SSN), and the citizens of other countries who come to the US.
        1. C
          Christine Lazares
          Aug 21, 2017 at 2:32 pm
          Thank you very much for the advise on the various linkages to be made...not many people are aware of Voter Aadhaar link...or mobile/Aadhaar linkage..will pass on this info. Christine Lazare
          1. Shashikant Chaudhari
            Jul 19, 2017 at 11:22 pm
            Misuse can be everywhere,but Aadhaar is only system ,a near positive identification.Every transaction is to be verified through UADAI not only through xerox copy of Aadhaar.It is also issued instruction. Regarding theft of fingerprints,it is far easier to get anybody's fingerprint from coffee mug than from sub registrar"s office.It is also incorrect to imply govt officer to be thief.He is part of govt administration.After all everybody has to place faith in government. No alternative.
            1. #
              Jul 19, 2017 at 10:01 am
              When your fingerprint gets stolen, printed and used for aadhaar pay, cloning SIM and changing bank password using OTP, your aadhaar devotion will vanish. Jai Hind. 1. 25 lakh families in Rajasthan are unable to withdraw ration even after seeding #AADHAARFAIL with their ration card. 2. #AADHAAR authentication does not work for half billion Indians. 3. AADHAAR authentication does not work even after updating bio-metrics and waiting for 90 days 4. AADHAAR bio-metrics can be stolen, printed and used for #AADHAAR pay 5. #AADHAAR does not work for NRIs, people outside India 6. AADHAR can not be generated if a person's fingerprint matches with someone else's with 60 percentage probability. 7. Rogue government can deactivate your #AADHAAR blocking ur gas, electricity, mobile, bank account 8. AADHAAR works for millions of illegals staying in India 9. AADHAAR is blocking subsidies for millions of legitimate people 10. Take 10 lakh insurance for each #AADHAAR failure case/delete
              1. RAHUL TOMAR
                Jul 19, 2017 at 9:15 am
                I am service your company
                1. N
                  Jul 19, 2017 at 8:55 am
                  The real problem comes in future yrs while registering land seller has to put thumb impression in front of register.its easy to hack thumb impression and made duplicate thumb impression using new technology and can easily register land this will lead to so many frauds with respect to property registration etc so beware of thumb imitation
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