Think Before Linking PAN with Aadhaar

The government has issued instructions to resident and non-resident Indians to link their PAN Cards with Aadhaar and those who do not link their PAN Cards with Aadhaar will not be able to file or e-file their IT Returns for the AY 2017-18 and onwards. Keeping in view the general difficulties being faced by the public the government, in consultation with webmasters of UIDAI and Income Tax E-filing websites, has simplified the procedures to Link the Pan Card with Aadhar.

Which ID Proof is Most Reliable in India

No doubt it is just a less than one minute job and anybody holding valid PAN Card and Aadhaar Card can do it within a fraction of a minute. But, beware - you should not use the above Link provided by the IncomeTax E-filing website in haste lest you may land yourself into trouble. However, if you are already e-filing your IT Return and there are no issues with 26AS or IT Returns filed by you so far then you can use the above link fearlessly. But the individuals, who have never filed their IT Returns in the past must do the following tests:

• Register on the e-filing website of Income Tax
• If registration process says that "This PAN is already registered. If you have not registered, please contact 180042500025 (Not Working) as I tried it.
• Your Problems starts here.
• Now you have no alternative but to use the forgot password facility and generate the OTP through your new email ID and Mobile Number.
• After the generation and filling of OTP through email and mobile - the system will ask you to verify your TDS details through TAN details of deductor. If there is no Tax Deduction in your case, I fear you may not be able to take control of IT Profile associated with your PAN Number which might be being used by some other namesake as that of yours.
• In case you are able to reset the password - there is every possibility that the other person, who is using your PAN Number - wrongly allotted to two different individuals, may cancel the password reset request as the Income Tax website sends emails to both the email IDs - that is email ID of person already using the PAN Card profile and fresh email ID provided by you.
• In one such case, one of my friends submitted the password reset which is activated by Income Tax website after 12 hours and the email goes to the previous email ID using the profile and the fresh email ID, who wants to take control of the profile.
• It is just like two twins with same DOB and same names fighting for one wife. Only the parents of the wife can tell who is the original husband of their daughter. Here the parents are NSDL, UTIISL and the Income Tax People - who will decide as to whom the PAN Card belongs.
• In the above case of my friend, the other twin cancelled the password reset request 5 times and my friend was deprived of his right to view his 26AS and enjoy filing my IT Return.
• Then my friend played a trick. He sent the Password Reset Request at about 11 PM on the night when the other twin might be sleeping. My friend woke up early in the morning to catch hold of his legitimate wife that is same PAN Number allotted to two different persons. Lo, the parents allowed the wife (PAN Number being used by Other Twin) to go with my friend and now he had full access to the IT Profile.
• Immediately without checking any other details - the friend linked the PAN with his Aadhaar which got completed successfully. Now legally speaking my friend became the true husband of the wife (PAN Card Associated Profile) who was living with his twin for the last more than 10 years and his twin was left helpless.
• But during the last 10 years, the twin of the friend had e-filed so many IT Returns which could be seen in the profile along with Income Tax Notices. Now it was my friend's turn to face the problem to bear the burn of bringing up the children born out of the live-in relationship of my twin and my wife.
• Now my friend was left with no alternative but to re-handover the wife to his twin so that they could live in happily and my friend is now in search of new wife (Fresh Different PAN Number and not Shared PAN Number)

What Happens when Same PAN Card is issued to two Different Persons:

There is every likelihood that you might be sharing your PAN Number with some other Person. You will have to pass through the above dilemma - and I am still searching for the solution. However, if you decide to apply for a fresh PAN through your Aadhaar authentication then you will have to loose are your Tax Credits so far and you will have to go through submission of New PAN Number to your Employer, Banker or Tax Deductor.

What happens to Multiple PAN Cards:

I have seen people having multiple PAN Cards either out of ignorance or to cheat the Income Tax Authorities and Bankers as CIBIL Reports are generated through PAN Numbers. Now the Government has taken a step in the right direction to get rid of multiple PAN Cards issued to same Persons as after linking one of your PAN Card with Aadhaar, the other PAN Cards will get automatically cancelled and the multiple PAN Cardholder will not be able to get Tax Credits, if any, associated with the other PAN Cards in addition to penalties.

Still, have any doubts, meet this Expert with Prior Appointment.

Cash Transactions at Samadhan Kender

Due to demonetization of 1000 and 500 rupee notes by Government of India, following services at Samadhan Kender will get disrupted:

1. Payment to Pensioners through Apna Dhan: Payment to pensioners will be limited to Rs.1000 per pensioner after the banks start making payments without any restrictions. However in case such payments are to be deposited with us for credit of some other account then there will no restriction on payments as per extant guidelines.

2. Payment through Western Union and Transfast: Payments even up to less than Rs50000-00 will also be made only through account payee cheques till normal cash payments without restrictions are restored in banks.

3.  CSP of State Bank of India: CSP is not allowed to accept old currency notes of Rs.500 and Rs.1000 from the customers. However, normal deposits will be accepted in denomination of Rs.100, 50, 20 and 10. New currency notes of Rs.500 and Rs.2000 will also be accepted.

4.  Working Hours: Samadhan Kender remains open on all week days including Saturdays and Sundays from 10 AM to 7 PM which will now be extended up to 8 PM.

Inconvenience is sincerely regretted. Please bear with us...

How to get Unique KYC ID at CERSAI

Now every financial institution and banks have been asked to complete the KYC of all the existing accounts. Banks and financial institutions have been asked to register the KYC details of the customers with Central Registry to general the unique CKYC registration number so that deduplication process is completed by December 31, 2016. Only Banks and Financial institutions have been allowed the Login facility by the Central Registry. In my opinion, if this login facility, is allowed to individuals and entities then they could generate the 14 digit CKYC number themselves. 

How to complete the De-duplication:

The GOI through Central KYC Registry at CERSAI can provide a suitable platform to the individual and legal entities to link all their financial products like bank accounts, loans, mutual funds, Demat accounts, Investment portfolios with the CKYC Number generated by themselves in a highly secured and protected platform to be provided by Central Registry. This process can be used to:

• Auto filling of the 14 digit CKYC Number in all the accounts and financial products linked to the CKYC Number.
• In case any account or financial product does not get linked to this Unique CKYC ID then the account holder can submit the 14 digit CKYC Number to the bank or financial institution so that there is no duplication.
• In my opinion to achieve the de-duplication process of KYC and to generated Unique CKYC ID or Uniform Customer Identification Code (UCIC).
• Moreover, this is an ongoing process and it has no scope for any laxity by individual or banks and financial institutions.
• Let the banks and financial institutions should not allow opening of accounts without unique CKYC numbers for new financial products and existing financial products may be frozen till the implementation of CKYC whole-heartedly.
• In respect of accounts of deceased, missing, insane, hospitalized and in a semi-conscious stage the accounts must be frozen and operations allowed after adopting the legal procedures.
• Important of all, banks and financial institutions should also not allow even credits and deposits in accounts where 14 digit CKYC numbers are not fed to club all the accounts of specific individuals.
• 14 digit CKYC number should also be made compulsory for accepting deposits by corporates, limited companies, and partnership firms. The balance sheets of sole prop firms, partnership firms, limited companies, trusts, and societies must indicate the 14 digit CKYC numbers of owners, partners, directors, trustees, unsecured or secured depositors and every inter-account transfer should move withing entities or individuals with 14 digit CKYC holders.

Cash Back is Black Corruption?

Can Cash Back schemes create black money and encourage corruption?

Cash Back ! Cash Back ! Cash Back !  Today everybody is attracted towards cash back and looks for goods and services offering Cash Back. For example, if any Government of Corporate employee is to travel from New Delhi, the smoke capital of the world, to Bengaluru then he or she will just surf for the costliest tickets offering highest cash back as the cost of the ticket is borne by the employers and cash back is pocketed by the employees. Now I am just thinking of Cash Backs which can be seen in many contexts like:

Source of Legalised Corruption: Cash Back is a source of legalised corruption as cash backs are designed to suit the requirements of the corrupt officials. The corrupt officials are asked to create their personal wallet account with merchants selling the goods or services. Cash back is ploughed back in such wallets whereas the cost of goods and services bought through such wallets are borne by the Government or Corporate sectors. For example, if anyone is buying an ordinary air ticket of Rs.3000 at a higher cost of Rs.5000 then the airline may not only offer cash back of Rs.2000 but also allow complementary food during the stay. Don't  you smell something fishy in the transaction? Yes, it is a direct greasing of the palm by offering lucrative cash back. Higher the cash back, more the chances to attract the greedy individuals, who treat the whole transaction as an honest deal.

Creation of Black Money: Such cash backs are source of undisclosed income or say black money in the hands of reciepants of Cash Back. These cash backs are neither taxable nor added under the head "Income from other Surces". Even if cash backs is received by genuine marketers, the cash back can not be termed as "Discount" as discounts are deducted from the bills. Take the case of reimbursable medical bills paid by the genuine patients. Cash Back received by patients is source of black money which is never disclosed in IT Returns.

Miscl Cash Backs: Payment Gateways like Freecharge and PayTM allow cash backs on funding the accounts by individuals. For example, freecharge offers me 5% cash on funding my freecharge account with a maximum of Rs.50-00. I deposit Rs.1000 on 1st of every month in my freecharge wallet and get income tax free credit of Rs.50-00 in my freecharge wallet and when I use this balance to pay my bills I get another cash back, ranging from 2% to 10%, and that too exempted from income tax.

What is your opinion about Cash Backs offered by merchants selling goods and service? Are they tempting the honest tax payers to violate tax laws knowingly or unknowingly.

What is CKYC and UCIC for Financial Products?

What is CKYC Number registered with CERSAI:

CKYC is the unified 14 digit KYC Number so as to deduplicate the multiple KYC or eKYC numbers allotted to any individual. Central KYC Registry is a centralized repository of KYC records of customers in the financial sector with uniform KYC norms and inter-usability of the KYC records across the sector with an objective to reduce the burden of producing KYC documents and getting those verified every time when the customer creates a new relationship with a financial entity. As per Prevention of Money-laundering (Maintenance of Records) Amendment Rules, 2015, Rule 9 (I) (1A), every reporting entity shall within three days after the commencement of an account-based relationship with a client, file the electronic copy of the client’s KYC records with the Central KYC Registry. 

There are three account types in the Central KYC form – Normal, Simplified and Small.

The account type can be gauged from the nomenclature of CKYC identifier issued to the customer.

1. For Normal Account, any of six officially valid documents (PAN, AADHAAR, Voter ID, Passport, Driving licence, NREGA Job Card) can be submitted for the ID of the customer.
2. For Simplified Measures Account, there are additional OVDs that are allowed as per RBI circular RBI/2015-16/42 dated July 1, 2015 - Point no. 2.3(i) & (ii) and point 3.2.2 I.A (iv) & (v). The KYC identifier for Simplified Measures Account will have a prefix “L”.
3. For Small Account types, only personal details and photograph duly certified by the customer are required to be submitted. The KYC identifier for Small Account will have a prefix “S”.

Author's Opinion : The implementation of Unique Customer Indentification Code (UCIC) of RBI and now guidelines about CKYC Registry appear to be a distant dream to check the financial and other crimes. Had the GOI formulated policy about issuance of two types of SIM Card that Minor SIM Cards and Major Sim Card before allowing the Reliance JIO to lauch its JIO SIM without going into the reprecussions of its misuse.

Keep RC and Driving License in DigiLocker

Happy News !  Happy News !

Now the time has come that your important documents and ID proofs will become as immortal as your soul. Your PAN Card, Aadhaar ID, Voter ID, Passport or even Driving Licenses will remain saved in original in your DigiLocker and your nominated legal heirs will be able to view your ID Proofs even after your death.

Now the Ministry of Transport and CBSE Board has partnered with the DigiLocker in such a way that you can pull or fetch your original CBSE degree/marks sheet, NEET Rank Letter, Driving License and even Registration Certificate of your vehicle directly in your Digi Locker which can be opened on your smartphone through DigiLocker application. You can just show the original driving license kept in Digi Locker to the Traffic Inspector and the Traffic Inspector will not be able to harass you by demanding bribe in return for returning the driving license.

It is a welcome move as this will only reduce administrative expenses but also streamline governance.

Limitations of Online Storage of Documents:

There are many limitations for pulling and fetching original documents from the issuing authorities who have partnered with Digi Locker. Few limitations are discussed below:

• As Digi Locker is Aadhaar Based application, user has to ensure that the particulars of the driving license, Voter ID, Passport, PAN Card, CBSE Marks sheet, NEET Rank letter exactly match with the particulars fetched by Digi Locker from Aadhaar servers. Name, Father's name, Date of Birth and Address etc need to be checked and verified in such a way that the user has no multiple different identities in digital records.
• Only those documents will be pulled and fetched in Digi Locker where the issuing authorities have partnered with Digi Locker and there is 100% synchronisation. For example Registrars of Births and Deaths in many state have yet to digitalise their data and partner with DigiLocker where some states and UT's like Haryana have already partnered with Digi Locker. In case of Haryana digilocker owners can fetch their Birth Certificates in their Digi Locker Account.

In my view it will take another 10 years when all the issuing authorities in all the states go digital and partner with Digi Locker to reduce the administrative expense and make Digital India dream come true.

Are you using recycled or reissued mobile number?

Are you using recycled or reissued mobile number? 

If you are in habit of frequently changing your mobile numbers (without updating the new mobile number in your bank account, aadhaar ID, PAN Card, Insurance Profile or any other online profiles to receive SMSes) to cheat your creditors then you may have to pass through tough times in the near future as all the latest technologies and applications work with your mobile numbers.

What are the consequences of using recycled or reissued mobile numbers?

Let us suppose that you (Priyanka Chopra - assumed name) are using Mobile Number 98xxxx2345 and Priyanka Chopra has got her mobile number entered in her following profiles:

• Her Saving bank account with HDFC Bank Ltd
• Her Car Loan account with ICICI Bank Ltd. and she has defaulted in repayment of Car Loan account. Default 
• Her PAN card number - PRIYA2345C.
• Her Addhaar ID No. 2345 xxxx 6789
• Google, GMail, Facebook, Twitter and other Social Profiles.

Now let us assume that Priyanka Chopra discard her SIM Card with Mobile No.98xxxx2345 without informing the HDFC Bank, ICICI Bank, PAN authorities, Aadhaar authorities and Social profiles.

Likely Impact on Priyanka Chopra:

• She will be deprived of facility of receiving SMS from HDFC Bank and ICICI Bank. It is advisable that she should get her fresh mobile number updated in both the bank accounts so that she does not loose the SMS facility.
• Without getting the fresh mobile number updated in bank accounts she is likely to loose access to OTP for online banking transactions and changing or resetting password.
• Without updating the fresh mobile in Income Tax profile, Ms. Priyanka Chopra will loose access to resetting passwords in case password in forgotten to efile the Income Tax Return online.
• Without updating new Mobile Number in Aadhaar, Ms.Chopra will not be able to e-sign or e-verify or e-authenticate any thing like e-verification of IT return, downloading and updation of Aadhaar, activation of JIO sim cards and linking with various government sponsored schemes.
• In case social profiles of Ms.Priyanka Chopra get hacked then it will become very difficult to recover and retrieve the hacked social profiles without back up phone and discarded phone numbers.

What happens when you use recycled or reissued SIM cards?

Now imagine the situation that Mobile No.98xxxx2345 discarded by Ms.Priyanka Chopra is recycled and reissued by the Mobile Service Provider to someone named Ms.Katrina (assumed name) and she gets her mobile number 98xxxx2345 in her bank accounts with HDFC and State Bank of India. Let us assume that so far Ms.Katrina had not taken any loan from any bank. The following things can happen:

• She may start receiving SMS from HDFC Bank and ICICI Bank regarding the bank transactions carried out by Ms.Priyanka without updating her new mobile number in her bank accounts.
• Ms.Katrina will come to know the name of the banks with whom Ms.Chopra was dealing which are HDFC and ICICI in the present example.
• Ms.Katrina may approach those banks and may some how obtain the statement of accounts of Ms.Chopra by showing the SMSes to the bank officials.
• She may get access to the priviledged information like customer id etc and may be able to reset the net banking passwords using the priviledged information.
• Ms.Katrina may approach SBI for taking Car Loan. SBI will obviously pull out the CIBIL Report of Ms.Katrina by using her mobile number (98xxxx2345 which incidently is the discarded mobile number of Ms.Priyanka with defaulted Car Loan with ICICI Bank). There is every possibility that this defaulted Car Loan account of Ms.Priyanka may be reported in the latest report of Ms.Katrina with undisclosed name of lending banker, undisclosed account number etc and Ms.Katrina will find her high and dry to get her CIBIL report modified through a prolonged process of more than 45 days.
• Ms.Katrina may be able to access and hack the social profiles of Ms.Priyanka Chopra and it can be damaging for Ms.Chopra.

In my opinion the governments should ban reissuing of discarded mobile numbers to new subscribers to safeguard the interests of general public.

Live Long Narendra Modi

Long Live Narendra Modi our beloved Prime Minister

Samadhan Kender wishes Narendra Modi, dashing and devoted Prime Minister of India, a very happy and prosperous birthday. Team Samadhan Kender prays to God Almighty to give him enough strength to change the Destiny of India.

Team Samadhan Kender pledges its wholehearted support in spreading the message of "Sabka Saath, Sabka Vikas" to the grass root levels. Team Samadhan Kender also pledges to provide error free Government to Citizen services to everyone irrespective of caste, creed and religion under the Digital India initiative of the Government of India.

We once again wish Narendra Bhai Modi, good health for him to continue as Pradhan Sewak for at least another 25 years so that India gets fully transformed with his great vision and selfless approach.

Samadhan Kender is an effort to solve all problems under one roof by Panel of Experts.समस्या आपकी, समाधान हमारा I ਸਮਸਿਆ ਤੁਹਾਡੀ, ਸਮਾਧਾਨ ਸਾਡਾ I

Can eSign replace Digital Signatures?

Can e-Signatures replace Digital Signatures? 

Presently if someone has to digitally sign any document then one has to purchase pen drive, dongle to store the etoken from anyone of the authorised service providers for digital signatures. Alternatively one has to get key from online agencies and the same has to be stored in the personal computers. Both the procedures are susceptible to frauds and cost the individual anywhere between Rs.700 to Rs.2500.

Now with the introduction of e-verification of IT returns online, through EVC codes generated by using Aadhaar Technologies in India, has paved the way for revolutionary changes by switching from digital signatures to e-signatures.

What is eSign and How it is better than Digital Signatures?

eSign is an online electronic signature service, in the live environment, which can be integrated with service delivery applications via an open API to facilitate any Aadhaar Holder to digitally and legally sign any document. It uses authentication of the Aadhaar Holder through e-KYC service and once the Aadhaar database in India is linked to live registrar of deaths and births then the e-signing will not be possible in respect of dead people and if the e-signing person is a minor then also the system will generate exceptions that the e-signor is a Minor, who can bind all other parties except  himself or herself.

Salient Features of eSign vis-a-vis Digi-Signatures:

Save cost and time	Aadhaar e-KYC based authentication
Improve user convenience	Mandatory Aadhaar ID
Easily apply Digital Signature	Biometric or OTP based authentication
Verifiable Signatures and Signatory	Flexible and fast integration with application
Legally recognized	Suitable for individual business and Government
Managed by Licensed CAs	API subscription Model
Privacy concerns addressed	Assured Integrity with complete audit trail
Simple Signature verification	Immediate destruction of keys after usage
Short validity certificates	No concerns regarding key storage and key protection

Jio Mobile SIMs to use eKYC or Aadhaar bases authentication:

The latest use of esignatures by Reliance Jio to verify the authenticity of the applicants has brought about revolutionary use of esignatures being used for the following operations:

• Bank's use it as a tool to generate eKYC profiles of their customers.
• UPI or United Payment Interface will also be using esign facility.
• Digital Locker also uses the esign facility and in the near future all your important digital documents including degrees, title deeds, Wills, Birth Certificates, Passports and ID Proofs will be directly landing in your Digital Lockers.
• Even PAN issuring authorities like NSDL and UTISL have also allowed esignatures through Aadhaar Based OTP or biometrics to issue fresh PAN Cards.
• Sooner or later, the Voter Cards may become redundant.
• eSigning of  IT returns up to Rs.5 lacs has already been enabled through aadhaar authentication.

Limitations of eSigns: 

Neither RBI nor any legal agency has not mandated in favor of eSignatures. RBI or any other agency has neither said that "You can use eSign - Aadhaar based authentication" or they have stopped by saying that "You can not use eSign - Aadhaar based authentication". It appears that effective changes will have to made to the Information Technology Act so that eSign facility through Aadhaar Based authentication becomes the most sought after Aadhaar Technology to enter into contracts by individuals competent to contract. To realise this dream minor changes may be required to link the imprisonment, blindness, lunatic or any other incapacitated condition of the Aadhaar Holder to send a warning signal to the other party that person esigning through Aadhaar based authentication is incompetent because he or she is either minor or blind, lunatic,  imprisoned or of unsound mind.

By reading this article still have you any doubt that Aadhaar can't change Destiny of India?

Why public prefers Samadhan Kender for Aadhaar?

Why Public prefers Samadhan Kender for Aadhaar? 

While basic difference between Suvidha Kenders or Sewa Kenders Vs Samadhan Kender is available on the top front page of our website as reproduced below:

What is the Difference between Suvidha Kender and Samadhan Kender:

Suvidha Kender	Samadhan Kender
You have to pay Parking Charges of Rs.20 for every visit .	No Parking Charges
Limited Working Hours	Working Hours 10.00 AM to 8.00 PM
Lunch Time Half Hour to One Hour	No Launch Time
Closed on Saturday and Sunday	Open 12x7x365 including Saturdays and Sundays.
Long Queues	No queues. Feel at home at Samadhan Kender
No Follow up for Aadhaar Enrollments	We make regular follow up and inform the citizens through Mobile Call and SMS about the status of their Aadhaar

It is convenient for the public to visit Samadhan Kender as per their own convenience without worrying for any Holiday, Saturday or Sunday. For getting the children enrolled for Aadhaar, one of the parents have to accompany the child along with his/her Aadhaar ID in original. If the parents have to visit Suvidha Kender or recently opened Sewa Kendras of Punjab Government for enrolling their newborn or school going children then they have to take leave from their government or private employers and in case they are businessmen/businesswomen then they have to close their business for one day for a pety job of enrollment, updation, rectification, seeding or linking of their Aadhaar Cards. But Samadhan Kender operates on all days including Saturdays, Sundays and Holidays for 12 hours a day and anybody can visit anytime for availing the services offered as Samadhan Kender. Samadhan Kender observes only following  National Holidays:

• Independence Day on 15th August
• Republic Day on 26th January
• Gandhi Jayanti on 2nd October

It is needless to mention that the following sub centres are operating at Samadhan Kender:

• SBI Customer Service Point
• Permanent Aadhaar Enrollment Centre of UIDAI
• Digital Sew Kender of Government of India
• CIBIL Consultancy Kender
• IRCTC Ticket Booking Counter of Indian Railways
• Centralized Insurance Kender of more than 20 major Insurance Companies including Life Insurance Corporation of India
• Settlement Point for Denied Insurance Claims or Bank Death Claim
• Food Licensing and Registration Centre of FSSAI
• Western Union and Transfast Money Transfer Centre
• Pension Distribution Kender through Apna Dhan of GOI
• Utility Payment Centre for Electricity Bills, Dish Recharge, Tax Payments
• PAN and Income Tax Centre
• Passport Service Centre

Check our Services and Prices or dial at 9316077749 to talk to our Customer Care Officer, Mr.Navneet Sood

At Samadhan Kender our experts solve all your problems to logical end and keep you updated from time to time through SMS, Call and Email services. Your smallest problem gets our biggest attention.

Can Aadhaar change the Destiny of India?

Can Aadhaar change the Destiny of India?

Why not? Today when I was reading the news headlines in a national daily newspaper, I came across a news item that India may provide technical know how to small under developed and developing countries. After all the pioneer project of Aadhaar was launched in India by UIDAI and by know our engineers have graduated in the project having solved most of the roadblocks coming in the way of creating data base of more than 100 crores of residents. Now India is in a position to market its unique product that is Aadhaar Technology for a good price to other nations. In the meantime we will keep on improving our Aadhaar Technology day by day based on feedbacks, experiences, experiments and above all its utility in our daily life. In my opinion the time is ripe enough to revisit our aadhaar technology in such a way that we can make it user friendly without least interventions of government offices, enrollment centres. But, How can we do it?

Can Bank ATMs be converted into Aadhaar ATMs?

If you ask me this question, my answer is in yes. But it can be possible only if plastic smart Aadhaar Cards are issued with magnetic strip and chip technology which can be used on ATM machines with biometrics of the aadhaar card holder. In advanced countries the ATM like machines are being installed to dispense water, contraceptive condoms, gold coins and even foreign currency conversions. Use of ATM's in India has increased manifold and ATM machines can be used for delivery of various services in India. It will not be a difficult task for the engineers to convert ATM machines into ATM-cum-Aadhaar by replacing the Card Readers and installing the user friendly menu to access the Aadhaar database in similar way as these machines access the database of different Banks through centralized ATM switches. Only recently banks have allowed the ATM machines to update the Mobile Numbers on ATM machines itself before discarding their old SIM or Mobile Number. But in case we allow the updation of Aadhaars on ATM machines which are open 24x7x365 then Aadhaar Technology can become game changer as now a days Aadhaar is being linked to the Banking, Insurance, Employee, Income Tax, Medical, Online Shopping, IMPS and all other types of profiles including Crime Records. Presently an individual has either to physically visit of digitally visit the service providers for changing the linked mobile numbers which keep on changing whereas the Aadhaar ID remains the same from birth till death. And if mobile numbers are issued to only valid Aadhaar ID holders, I am sure that we can evolve technologies which can update the mobile numbers issued to Aadhaar Holders automatically in their Banking, Insurance, Employee, Income Tax, Medical, Online Shopping, IMPS and all other profiles including Crime Records. Strong political will power is required to implement such type of transparent technologies.

What updation facilities can be provided at ATM-cum-Aadhaar Machines:

Just imagine that you are visiting the ATM-cum-Aadhaar Machine on the way or near to your locality. I can just think of Aadhaar Menu appearing on the screen once you insert your smart plastic aadhaar card with bar code, magnetic strip and chip. The following illustration may help the software engineers to develop the proper secured software for such ATM-cum-Aadhaar Machines:

Welcome Mr. XYZ

Prove Identity by pressing the screen with your Right Thumb

Now put your Unique PIN

Insert your Date of Birth

Enable Web Camera 

The Machine can ask for any biometric like Right or Left Thumb, Middle finger or any other biometric enabled for exceptional cases like blind people, people with no arms or fingers. Authentication of biometrics will not only verify the identity of the Aadhaar Card Holder but also confirm that the person is alive on date of operation. Web Camera enabling will record the face of the individual operating the machine. Insertion of date of birth and its verification from database of Registrar of Births and Deaths will send signals if the user is a Minor or Major. The following screen may appear for updating Mobile Number and/or email ID of the user:

1. Update Mobile Number
2. Update Email ID

On pressing Update Mobile Number the machine may ask your present mobile number linked to Aadhaar and on entering the existing mobile number you may receive OTP on your existing mobile number. On entering the OTP machine may automatically fetch mobile numbers issued to you through your Aadhaar Card. ( Reliance Jio will be issuing the Mobile Numbers through Aadhaar Technology which will be pre-linked with your Aadhaar ID and in the near future the government may freeze all the SIMS/Mobile numbers which are not linked to Aadhaar IDs). Machine will display the list of mobile numbers, issued to the user as per Aadhaar database, as under:

• 98xxxxx324
• 80xxxxx456
• 99xxxxx786

Government is likely to limit the issue of more than 2 or 3 SIM cards/numbers to the residents to check crimes and in near future the mobile numbers will also become unique mobile numbers throughout the life of the user and will be automatically portable to any network as these will be linked with Aadhaar IDs. There may be limited version mobile numbers for Minors and other incapacitate persons and such limitations will come into force from the aadhaar database itself.

Now the user will be asked to select any of his/her mobile number for updation in Aadhaar and submit for updation. The machine will send OTP once again on the New Number to be update in Aadhaar and user will have to keep the new number accessible at the time of transacting the updation process. Once the user validates the entry through OTP the mobile number will get updated in his or her aadhaar. Validation is very important so as to rule out any mistake. Once the mobile number gets updated in Aadhaar then in the near future it may get automatcally updated in all your profiles with Banking, Insurance, Employee, Income Tax, Medical, Online Shopping, IMPS and all other profiles including Crime Records.

Similar will be the process for change in email ID except that the new email will be updated only after validation through link sent to new email Id by the Machine.

I think that Government of India should allow correction of gender through this process. Even the change or updation of address  should be allowed trough such ATM machines by just fetching the address details of the Head of the Family or Landlord by inserting the Aadhaar ID of the Head of the Family or Landlord. Machine may sent OTP to the linked mobile number of the Head of the family or Landlord and the user will have to obtain the same from him/her to validate the transaction.

As regards change in Name, Date of Birth in the aadhaar, it should not be permitted and needs to be synchronized with database of Registrar of Deaths and Births in such a way that daily updation of deaths in Digital Death Registers should send signals to Aadhaar which in turn will send signals to Banking, Insurance, Employee, Income Tax, Medical, Online Shopping, IMPS and all other profiles including Crime Records of the dead persons.

Similarly issuance of Physcially Handicapped certificates digitally linked to Aadhaar will change the profile status everywhere. It may take another 25 years for Prime Minister Modi's Digital India dream to come true.

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Can UPI make India Cashless Corruption Free Society

Can UPI make India Cashless Corruption Free Society

When dreaming about India of my Dreams in 2047 I had advocated for Cashless Corruption Free Society in India and to achieve the objective I had also proposed General Amnesty as a OTM (One Time Measure). I was a bit pessimistic that It may take many years and we may achieve the dreams by the year 2047 that is while celebrating India's 100th Independence Day.

But our beloved Prime Minister Narendra Modi has initiated processes which may achieve the dreams during his own lifetime and term as Prime Minister or future President of India. Unified Payment Interface or UPI has been made live and may be available in first week of September,2016  with all the 21 Banks. It will help India towards its goal to achieve cashless economy next to Sweden, which has become the first country in the world to say goodbye to Cash Transactions.

What is UPI or Unified Payment Interface

Unified Payment Interface or UPI is an application developed by National Payment Corporation of India (NPCI), the umbrella organization for all retail payment systems in India. In the times to come UPI may replace the NEFT, RTGS and IMPS systems currently used for making payments or transferring money digitally. Public will be able to download and integrate the UPI applications with their respective banking applications.

The following banks, out of 21 banks approved by NPCI, have published their UPI applications so far on Google Play Store whereas 8 out 29 participating banks are yet to get approvals from NPCI:

• Axis Bank, Union Bank, UCO Bank, ICICI Bank, Federal Bank, Vijaya Bank, Andhra Bank, Bank of Maharashtra, Karnataka Bank and Canara Bank.

To find the UPI app of your Bank, you can either search for UPI or Play Store. 

How UPI is useful as compared to NEFT or IMPS: 

With UPI application interbank money transfer can be executed by using smartphones. Customers can make direct payments from their bank accounts to different online or offline merchants, retailers without providing credit card details, IFSC Codes or net banking and wallet passwords. Your smartphone will become a Virtual Payment Bank.

How to Start with UPI:

1. First of all download the UPI application of your bank from Google Play Store.
2. Set up application Log in.
3. Create Virtual Address
4. Add your Bank Account
5. Set Mobile PIN
6. Start Transacting using UPI

Once you have installed the UPI application on your smartphone, just open the application and enter your mobile number to create four digit secured PIN Number of your own choice. This secured Pin Number will be required every time when you open of use the application. 

You will notice an option UPI and tapping the UPI button you will be prompted to create VPA, Virtual Payment Address as per image below:

You can chose your virtual address as simple as your mobile number like 97XXXX6760 or your name like John, Smith or your nickname followed by @xyz (where xyz is your Bank's UPI address e.g. ybl for Yes Bank and pockets for ICICI Bank).

Once you finish creating your Virtual Payment Address, you will have to link your Bank Account by choosing your bank which will fetch all your bank account details in case your mobile number is linked to your bank account (Now you can update your mobile number in your bank account through ATM Machine without visiting your bank).

Can I download and use any Bank's UPI application:

The answer to this logical question is "Yes" as you can download any Bank's application and link your bank account with some other bank. You have the option to chose your bank account in case you have multiple accounts with the Bank linked to your Mobile Number. With the launch of UPI, it has become more important before you discard your old SIM Card.

I am sure that with the Unified Payment Systems in its place, India will become a Cashless, Corruption Free Society in India of My Dreams.

Can DigiResults Provide NEET Rank Letter

Get NEET Rank Letter through DigiResults in DigiLocker at Samadhan Kender:

Now CBSE is issuing Digital NEET Rank Letters through DigiResults in your DigiLocker account. Students can not only view NEET Results but also download their NEET Rank Letters from their own personalized DigiLocker being provided free of cost by Government of India to keep the important documents which can be accessed anywhere anytime. NEET Rank Letters are digitally signed and are issued by CBSE.

For further details spare few minutes to visit Samadhan Kender, Near Bikaner Mishtan Bhandar, Patiala Road, NH64, Rajpura 140401 Punjab or contact Navneet Sood  on Mobile Number 9316077749.

Can Aadhaar be used as Electronic Voter Card?

Can Aadhaar be used as Electronic Voter Card?

Why not? I think  with the issue of Aadhaar Cards to every Indian, the Voter ID Cards have become redundant and can be easily dispensed with immediate effect. Now when Aadhaar is issued to the newborn child and it is reviewed at the age of 5 years, 15 years and thereafter every five years to upload the New Face to get recognised.

State Governments may update their electoral records every year and those who cross the age of 18 years may find their names in the electoral rolls.  Let the electoral rolls generate the Election or Voter ID without issuance of any EPIC or Photo Voter ID. The generated Voter ID be linked to Aadhaar in the similar way as bank accounts or LPG subsidies are linked to Aadhaar ID. This facilitation will not only save thousands of crores of rupees spent on issuing the EPIC Cards to the voters but also make it possible to do away with surrender of Voter ID at the previous place of the voter. Let Aadhaar holders be empowered to link or delink their Aadhaar ID's from the state's voter lists. For example a person living in Amritsar and having issued the digital voter ID number for Amritsar district may link his or her Aadhaar ID with the voter ID during the period of stay in Amritsar. Once the voter moves from Amritsar constituency to say Varanasi constituency then the voter himself or herself should be empowered to delink his or her Aadhaar ID from digital voter ID in Amritsar Voter List. Based upon such recorded movements of the voter through his or her Aadhaar Unique ID the state or central governments can keep a check on the facilities being drawn by the voters.

Creation of Fresh Digital Voter ID's:

Let it be left to the Aadhaar Card holders to create their own voter IDs through online networks by providing a Sign Up facility with their own Aadhaar ID's supported by OTP. Through such moves India can shift from Electronic Voting to Online Voting to be controlled by Election Commission of India.

Samadhan Kender included in UIDAI PEC Locator

Permanent Enrollment Centers in Rajpura

UIDAI has recognized the Permanent Enrollment Center for Aadhaar working at Samadhan Kender, Near Bikaner Mishtan Bhandar, Rajpura 140401 Punjab. It is the only PEC in urban Rajpura as per Serial Number 14 of the list of Permanent Enrollment Centers where anyone can book appointments online or on telephone number given in the list. For any change or updated list of Permanent Enrollment Centers you can search by selecting state as Punjab, District as Patiala and Locality as Rajpura in the Enrollment Centre Search - which gets updated frequently.