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.

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.

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 Samadhan Kender for Passport Appointments?

Why Samadhan Kender for Passport Appointments?

Often the people ask this question that why they should visit Samadhan Kender for fixing Passport Appointments when they can themselves take the appointment online by registering and signing in Passport Sewa services of Government of India. No doubt this is a valid question but based on our experience of having handled more that 1000 passport appointments in the current year 2016, we are of the confirmed opinion that the job should be handled by expert consultants who will check all your documents to confirm that Passport Officers do not keep your application on hold due to one or more clarifications. It is matter of satisfaction that none of our applications was "Put on Hold" and all applicants were approved for "Granted" status. We prepare the applicants to do their homework well before applying for Passport. Moreover "Samadhan Kender" is housing "Digital Sewa Kender" under Digital India program of our beloved Prime Minister Narender Modi.

Possible reasons for rejection or "On Hold":

The individuals may apply for appointments from the luxury of their homes but they must seek expert guidance from professional experts at Samadhan Kender. I am sure that they will be saved from unnecessary visits to Regional Passport Offices and they will get the "Granted" status to their passport application if they have furnished the proper information, documents, ID Proofs and Affidavits. Most of the common mistakes done by the applicants are as under:

• While filling in the name of the Police Station, it needs to be checked online.
• Proper Fees has to be paid as there are different fees for "Normal" and "Tatkal" schemes. For fresh issuance of passports their are different fees for individuals less than 15 years, 15 years to 18 years and 18 years and above. Different fees are to be paid for 36 page or 60 page booklet for frequent fliers. For reissuance there are different fees for different reasons for reissue like validity expired or due to expire, Change in Particulars, Exhaustion of Pages and replacement of Lost or Damaged passports.
• While applying for reissuance the applicants forget to provide details of previous passports along with file number etc which can be collected from the Regional Passport Office, which issued the previous passport.
• While applying for reissuance the applicants fill the place of birth in correctly as in India the data of Registrar of Births and Deaths is not error free. One must preserve the details of place of birth while applying for passport for the first time.
• Some of the other issues are regarding name of the spouse and if there is a divorce and separation then different set of rules, documents and affidavits have to be applied.

Still any doubts? Visit Samadhan Kender for any clarification and foolproof perfect Passport Applications and Appointments through GOI approved Common Service Centre.

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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How to get Proof of ID Address and DOB Rectified?

How to Synchronize Proof of ID, Address and Proof of DOB: 

Have you checked your Aadhaar UID for possible mistakes?

If you have not checked your Aadhaar UID then you are committing a blunder as certain deficiencies in Aadhaar ID may not allow you to get the real benefits of having Aadhaar UID. Check you Aadhaar Card immediately:

• Name : Ensure that the name in the Aadhaar Card is exactly same as in your Birth Registration Certificate or SSLC (Matriculation) Certificate. Your name in other ID Proofs like PAN Card, Voter Card, Driving License and Passport etc.
• Date of Birth : Most of the Aadhaar Card mention only the year of birth like 1986, 1993, 1999 or Date of Birth is mentioned as 01/01/1986, 01/01/1999 etc which is incorrect. Such Aadhaar Cards can neither be accepted by PAN CARD issuing authorities nor be used to e-verify the online IT returns. In case your Aadhaar Card shows date of birth as "Year of Birth" like 1986, 1993, 1999 or Date of Birth is mentioned as 1st of January of "Year of Birth" like 01/01/1986, 01/01/1990, 01/01/1999 then you need to visit Samadhan Kender for immediate correction and updation of your DOB in the Aadhaar Card. Correct DOB in Aadhaar will solve your many problems in one go.
• Mobile Updation in Aadhaar : Most of Aadhaar Cards are not linked to the mobile numbers of the Aadhaar Card holders. Aadhaar UID is useless without Mobile Number as without linking your mobile number the individuals can not:

1. Avail the Free Digi Locker facility to store important documents.
2. Update or Change address, mobile number, name, email ID in Aadhaar UID.
3. Get Duplicate e-Aadhaar from Samadhan Kender.
4. Generate Life Certificate for Pensioners.

• Email Updation in Aadhaar : It will be prudent of the part of Aadhaar holders to get their valid and active email ID updated in their Aadhaar Card as GOI plans to issue dematerialized and digitized documents like Matriculation Certificates and Degrees which will land in Digi Locker account linked to Aadhaar ID with active mobile number.
• Address on Aadhaar Cards : In India housing is a big problem and only 10% of the populations have their house of their own and more than 80% of the population are living in rented houses. Due to one reason or the other populations keep on moving and to avail the bank loan facilities the bank managers insist of updation of current address in their Aadhaar UID. Government has not issued any guidelines to UIDAI for inclusion of a) Permanent Residential Address and b) Current Residential Address. In our opinion the Aadhaar Card should have Permanent Residential Address.

In case you have any problem with your Aadhaar UID, please do not hesitate to talk to our Panel of Experts who will guide you in professional manner so that you do not face any difficulty while getting the a) Passport Issued b) Visa Issues c) PAN issued or availing any other Central or State Government facility.

Similarly Please check your Voter Card, PAN Card, Birth Certificate, Passport, Driving License, Universal Account Number etc for possible mistakes and mismatch with your Date of Birth, Name, Mobile Number, Email ID, Name of Father or Mother, Qualifications, Current and Permanent Address lest you feel helpless at the eleventh hour.

It will be better if you fill in the following format and check that all ID Proofs match with one 
another:

ID CARD or Document	Name as on  ID Proof or  Document  with Mobile Number if Linked	Date of Birth	Address with PIN Code	Father Name	Mother Name	Spouse Name
Birth Certificate
SSC/Matric Certificate
Aadhaar ID
PAN Card
Voter Card
Pass Port
Driving License
Universal Account Number
Marriage Certificate

Do this one time exercise and ensure that there is no mismatch of the data available in your important documents and ID Proofs lest it may tease you at the eleventh hour when you try to get overseas VISA under work permit, student, tourist and Permanent Resident (PR) Visa.

Opening Shortly - Common Services Center of GOI

Samadhan Kender has been approved by GOI as authorized CSC (Common Services Center). Under the banner CSC the Samadhan Kender will make the following services available to public at very reasonable prices:

1. Aadhaar Services including fresh enrollments, correction and updation in existing aadhaars including addition of mobile number and email in the Aadhaar ID. We will also providing laminated color original printouts of lost, fresh or corrected/updated aadhaar cards with proper digital signatures.
2. Voter Card Services including fresh enrollments, correction and updation in existing EPIC/Voter Cards. We will also be providing laminated color original printouts of lost, fresh or corrected/updated voter cards.
3. We are already undertaking the PAN Card and Passport Services to which many more features will be added.
4. LIC Premium Payments, Utility Bill Payments and Money Transfer to any bank in India will also be carried out through CSC portal under e-Governance plan of GOI.
5. Educational coaching to achieve Digital Literacy.
6. Any Services related to Banking, Insurance and Pension.
7. Income Tax Return filing and other related services.
8. Government Recruitments including Indian Army, Indian Navy and Indian Air Force.
9. Jeevan Parman (Digital Life Certificates) for getting uninterrupted pension from Government.

Samadhan Kender is committed to make your life comfortable by providing Government to Citizens services and many more services under one roof to make Digital India dream come true.

How to get Passport in lieu of expired or lost Passport in India

How to get Passport in lieu of expired or lost Passport in India?

Indian Passport Sewa Kendras allow reissue of new passport in respect of the following situations:

• Change in existing personal particulars.
• Validity expired within 3 years or due to expire.
• Validity expired more than 3 years ago.
• Exhaustion of pages of Passport.
• Passport is Damaged or Mutilated.
• Photograph has undergone change in Appearance.
• Passport is lost or misplaced.

The procedure is the same as for Issue of Fresh Passport for the First Time. But you have to select the option of Reissue of Lost/Damaged/Expired Passport.

In case you have the original damaged/expired passport then you can surrender the old damaged and expired passport to get the fresh passport issued. However if you have lost the passport then you have to take the following steps before applying for reissue of fresh passport: 

Loss of passport should be immediately reported to the nearest Police Station and to the Passport Office (PO) or Indian Mission, if abroad. Also apply for "Re-issue" of passport at your nearest Passport Seva Kendra (PSK) and submit the required documents along with your passport application form.

Documents Required for Various Passports including Reissue of Passport:

1. Visit the Document Advisor Link on Home Page of GOI Passport Site.
2. Select Fresh Passport or Reissue of Passport as the case may be.
3. Fill in the information about the applicant.
4. Click on Continue to get redirected to Next Page.
5. Select the items as applicable to the applicant
6. Click on View Required Documents to get the document codes and list of documents
7. Prepare the Documents required for Proof of Birth or Proof of Address along with Annexures as prescribed.

Caution: However in case of all types of Passports the decision of APO/RPO shall be considered final and the APO/RPO can ask for more documentary evidence.

Note: If you ever held a passport in the past, no matter how much long back or at what age, you should choose the Re-Issue category only. Otherwise concealing the fact can land you in trouble and you can be penalized with fine and/or imprisonment of Both.

General Info Required to Fill Passport Online Application

The following information should be kept ready to be filled online for applying for Passport Online:

1. Date of Birth of the Applicant 

• For applicants born on or after 26/01/1989, only Birth Certificate issued by the Municipal Committee or any office authorized to issue Birth and Death certificate issued by Registrar of Births and Deaths is acceptable. Birth Certificate should include name of the child, name of father and mother, place of birth, sex, registration number and date of Registration. However in case the the Birth Certificate does not include the name of the child, a declaration on plain paper signed by parents, is required to be submitted specifying the name of the child.
• School Leaving Certificate/Certificate of Recognized Boards from the school last attended by the applicant or any other recognized educational institution can be accepted for applicants who have passed Matriculation or above.
• Affidavit sworn before a Magistrate/Notary stating date/place of birth as per specimen in Prescribed Affidavits by illiterate or semi-illiterate applicants (Less than 5th class)

2. Place of Birth with Village, PO, Tehsil, District and Pin-Code.

3. Martial Status

4. Employment if Any (For Government Employees NOC is required as per Prescribed Annexures.

5. Educational Qualifications.

6. Visible Distinguish Mark on the Body

7. Aadhaar Number of Applicant

8. Father's and Mother's Name

9. Residing at Current Address Since ______________ along with name of Police Station

10.Complete Address of the applicant along with Pin Code

11.Mobile Number of the Applicant

12.Email ID of the Applicant

13.Name, Addresses and Mobile Numbers of Two References

14.Emergency Contact - Mobile Number, Name and Address

15.Proof of Present Address - which can be Water/Telephone/Electricity Bill, Photo Pass Book of running Bank Account, IT Assessment Order, Voter/EPIC Card, Gas Connection Bill, Spouse's Passport Copy, Employer's ID Card of reputed and widely known companies, Parent's passport copy in case of minors (first and last page)

16.Aaadhar Card issued by UIDAI

17.Standard Affidavit as per Prescribed Affidavits

18.Marriage Registration for adding name of Spouse