Aadhaar Payments Tracker
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Aadhaar Banking Status after #AadhaarVerdict
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Money / Data
In / Out
SystemsPurpose#AadhaarVerdict and status
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Data IneKYCShares your demographic data from UIDAI for account opening purposeParts of S57 Struck. eKYC is not permitted
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Money InAPBEnables you to get subsidy from govt departments.Grey area since NPCI is Private entity
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Money InABRSAnyone with Aadhaar number can credit money into your account, through IMPS / BHIM UPI / Pay to Aadhaar numberWithdrawn by NPCI in Aug 2018
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Money In / OutAePS / Micro ATM / Aadhaar PayYou can transact with banking correspondents / merchants to withdraw cash / make payments.Grey area since NPCI, Banks, business correspondents are all Private entity
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Data OutPMLA RulesShares your suspect transaction data to Financial Intelligence Unit for purpose of analysis to detect / prevent money launderingStruck down disproportionate
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Data OutDigital LockerShares your banking data to digilocker which enables third parties access your transaction data.Could potentially stay as operated by Meity, but data feeders by private entities could be limited as S57 prohibits Pvt Sector use
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Money OutAadhaar in ATMsLets you use aadhaar number and fingerprint to withdraw money from ATMsUnlikely , Future use case
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Data In / OutPublic Credit RegistryShares your credit / spending patterns to RBI's public credit registry. Scope is still being discussed by a high level task force, sans public consultation, parliamentary discussion.Potential Future use case, subject to law passing Puttaswamy tests
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Money OuteNACHEnables recurring debits through standing instructions from a customers bank accounteNACH rides on eSign - eSign by private players could be stopped - eSign by govt entities could still continue ( CDAC)
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Data In / OutAccount AggregatorEnables consumer to trade data in and out of financial service providers between each other, view in a consolidated manner - Proposal has Aadhaar listed as a strong identifierPotential Future use case, subject to law passing Puttaswamy tests
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