## Report on Aadhaar Authentication for Kashi Cash over Internet Programme
**1. Executive Summary:**
This report analyzes a notification (S.O. 706E) issued by the Government of India, authorizing the use of Aadhaar authentication for the Atal Innovation Mission (AIM), NITI Aayog's "Kashi Cash over Internet" programme. The notification enables Aadhaar-based digital onboarding, using Aadhaar as a unique identifier for Direct Benefit Transfer (DBT) transactions and credit eligibility calculations within the Kashi platform. The objective is to improve transparency, efficiency, and convenience in the delivery of credit solutions to self-employed individuals, agricultural workers, and low-income groups eligible for DBT, thereby promoting financial inclusion.
**2. Introduction:**
This report provides an overview and analysis of a notification regarding the use of Aadhaar authentication for NITI Aayog's Kashi Cash over Internet programme. The analysis is based solely on the provided policy text.
**3. Policy Overview:**
* Core Objective(s): Based on the provided text, the core objectives are to:
* Simplify government delivery processes using Aadhaar.
* Enhance transparency and efficiency in service delivery.
* Enable convenient and seamless access to entitlements for beneficiaries.
* Facilitate digital onboarding of customers.
* Utilize Aadhaar as a unique identifier for DBT transactions and credit eligibility within the Kashi platform.
* Promote financial inclusion through the Kashi initiative.
**4. Background and Rationale:**
This appears to be a new policy initiative focused on leveraging Aadhaar authentication to improve the efficiency and reach of existing DBT programs, specifically for credit solutions offered through the Kashi Cash over Internet platform. The notification suggests that current methods of delivering benefits and subsidies can be improved by incorporating Aadhaar-based authentication, leading to increased transparency and direct access for beneficiaries. The Kashi platform addresses the need for working capital and urgent consumption needs of specific low-income demographics.
**5. Key Provisions / Changes:**
This is a new policy establishing the following:
* **Authorization for Aadhaar Authentication:** AIM, NITI Aayog, is authorized to use Aadhaar authentication for its Kashi Cash over Internet programme on a voluntary basis, based on the Aadhaar Act 2016 and related rules.
* **Permitted Uses of Aadhaar:** Aadhaar authentication is authorized for:
* Digital onboarding of customers using Aadhaar and OTP combination.
* Aadhaar number as a unique identifier for DBT transactions related to credit eligibility calculations within the Kashi platform.
* **Kashi Platform Definition:** Kashi Cash over Internet is defined as an end-to-end digital platform offering credit solutions for self-employed individuals, agricultural workers, and low-income groups entitled to DBT.
* **DBT Integration:** The Kashi platform will use Aadhaar-based DBT flows as a basis for credit underwriting.
* **Awareness Campaign:** AIM, through its implementing agencies, will make beneficiaries aware of the social benefits of the Kashi initiative.
* **Effective Date:** The notification takes effect from the date of publication in the Gazette of India (February 17, 2021).
**6. Target Audience and Stakeholders:**
The primary target audience and stakeholders include:
* Self-employed individuals.
* Agricultural workers.
* Low-income groups eligible for Direct Benefit Transfer (DBT).
* Beneficiaries of the Kashi Cash over Internet programme.
* Atal Innovation Mission (AIM), NITI Aayog.
* Unique Identification Authority of India (UIDAI).
* Ministry of Electronics and Information Technology (MeitY).
* Implementing agencies of AIM.
**7. Implementation Aspects (Inferred):**
* **Responsible Agency/Bodies:** The key responsible agencies are AIM, NITI Aayog, UIDAI, and MeitY. AIM will likely coordinate the implementation through its implementing agencies.
* **Timelines/Procedures:** The policy came into effect on the date of publication (February 17, 2021). The text mentions the need for AIM to make beneficiaries aware of the benefits, suggesting an awareness campaign will be part of the implementation. The procedures for Aadhaar authentication will likely follow existing UIDAI guidelines, but are not specified here. The text indicates usage is on a voluntary basis.
**8. Expected Outcomes / Impact of Changes:**
The intended outcomes of this policy are likely:
* Increased financial inclusion for the target demographics through access to credit solutions via the Kashi platform.
* Improved efficiency and transparency in the delivery of credit benefits by leveraging Aadhaar-based authentication.
* Streamlined onboarding process for Kashi platform users.
* Accurate credit eligibility calculations based on DBT flows.
* Enhanced awareness among beneficiaries regarding the benefits of the Kashi initiative.
**9. Conclusion:**
The notification enables the use of Aadhaar authentication for NITI Aayog's Kashi Cash over Internet programme, aiming to improve the delivery of credit solutions to low-income individuals. By leveraging Aadhaar for digital onboarding and DBT integration, the policy seeks to enhance transparency, efficiency, and convenience for beneficiaries, ultimately promoting financial inclusion. This authorization is significant as it leverages existing DBT structures for credit solutions.
Key Entities Referenced
Aadhaar Targeted delivery of financial and other subsidies, Benefits and Services Act 2016: A law related to the use of Aadhar for delivery of services, benefits and subsidies.
Aadhaar Authentication for Good Governance Social, Welfare, Innovation, Knowledge Rules, 2020: Rules pertaining to Aadhar authentication for good governance.
Unique Identification Authority of India UIDAI: The authority responsible for Aadhar.
Ministry of Electronics and Information Technology: A ministry of the Government of India.
Atal Innovation Mission: An initiative by NITI Aayog.
NITI Aayog: A policy think tank of the Government of India.
Kashi Cash over Internet: A program by Atal Innovation Mission, NITI Aayog to use Aadhar authentication on a voluntary basis.
DBT Direct Benefit Transfer: A program by the Government of India to transfer subsidies directly to eligible people through their bank accounts.
Kashi project: A project by Atal Innovation Mission AIM, NITI Aayog to bring financial inclusion across the country.
R.RAMANAN: Mission Director AIM Addl. Secy., NITI Aayog
Mayapuri, New Delhi: Location of the Government of India Press.
Delhi: Location of the Controller of Publications.
रजिस्ट्री स.ं डी.एल.- 33004/99 REGD. No. D. L.-33004/99
सी.जी.-डी.एल.-अ.-17022021-225215
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CG-DL-E-17022021-225215
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असाधारण
EXTRAORDINARY
भाग II—खण् ड 3—उप-खण्ड (ii)
PART II—Section 3—Sub-section (ii)
प्राजधकार स ेप्रकाजित
PUBLISHED BY AUTHORITY
स.ं 651] नई दिल्ली, बुधवार, फरवरी 17, 2021/िाघ 28, 1942
No. 651] NEW DELHI, WEDNESDAY, FEBRUARY 17, 2021/MAGHA 28, 1942
नीजत आयोग
(अटल नवप्रवतनत जििन)
अजधसचू ना
नई दिल्ली, 17 फरवरी, 2021
का.आ. 706(अ).—िबदक, सेवाओं, जितलाभों या सजससजडयों की प्रिायगी के उपयोग के जलए पिचान के
िस्ट्तावेि के रूप ि ें आधार के उपयोग के पररणािस्ट्वरूप सरकार की प्रिायगी प्रदियाएं सरल हुई ि,ै इनि ें पारिर्ितत ा और
िक्षता आई ि,ै और लाभार्थी एक सुकर और सुचारू रीजत िें अपनी पात्रताओं को सीधे प्राप्त करने ि ेंसक्षि बन े ि।ैं
और िबदक, भारतीय जवजिष्ट पिचान प्राजधकरण (यआू ईडीएआई) और इलेक्ट्रॉजनक्ट्स एवं सूचना प्रौद्योजगकी
िंत्रालय, भारत सरकार न,े सुअजभिासन के जलए आधार प्रिाणन (सािाजिक, कल्याणकारी, नवाचार, ज्ञान) जनयि,
2020 के जनयि 5 के सार्थ परित आधार (जवत्तीय और अन्य सजससजडयों, जितलाभों और सेवाओं की लजक्षत प्रिायगी)
अजधजनयि, 2016 (यर्थासंिोजधत) (जिसे इसिें आगे “अजधजनयि” किा गया ि)ै की धारा (4) की उप-धारा (4) के खडं (ख)
के पैरा (ii) के तित प्रित्त िजियों का प्रयोग करत े हुए, अपन े कािी (कैि ओवर इंटरनेट) कायतिि ि ें स्ट्वैजछिक आधार पर
आधार प्रिाणन का उपयोग करने के जलए अटल नवप्रवतनत जििन, नीजत आयोग, भारत सरकार को प्राजधकृत दकया ि।ै
और िबदक, यआू ईडीएआई और इलेक्ट्रॉजनक्ट्स एव ं सूचना प्रौद्योजगकी िंत्रालय, भारत सरकार न े जनम्नजलजखत
प्रयोिनों के जलए आधार प्रिाणन को प्राजधकृत दकया ि:ै
i. आधार प्रयोिाओं के अजधप्रिाणन और ओटीपी के संयोिन को िाजिल करते हुए ग्रािक की जडिीटल
ऑन-बोर्डिंग
971 GI/2021 (1)2 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II—SEC. 3(ii)]
ii. आधार संख्या िेजडट पात्रता की गणनाओं के जलए डीबीटी (प्रत्यक्ष लाभ अंतरण) लने -िेने के जलए एक
जवजिष्ट पिचानकतात के रूप िें कायत करेगी।
और िबदक, कािी (कैि ओवर इंटरनेट) ऐसे िेजडट सिाधानों की पेिकि करन े वाला आद्योपांत जडिीटल
प्लेटफाित ि ै जिनका उपयोग स्ट्व-जनयोजित व्यजियों के जलए कायतिील पूंिी या कृजि कािगारों या जनम्न आय सिूिों, िो
अन्यर्था “प्रत्यक्ष लाभ अंतरण (डीबीटी)”, िो जवजभन्न कल्याणकारी स्ट्कीिों से पात्र व्यजियो को प्रत्यक्ष रूप से उनके बैंक
खाते ि ें सजससजडयों के अतं रण के तंत्र को पररवर्ततत करने के जलए भारत सरकार का एक कायतिि ि,ै के पात्र ि,ैं की
खपत/तत्काल आवश्यकताओं के जलए दकया िा सकता ि।ै
और िबदक, कािी प्लेटफाित पर िेजडट िोजखि अंकन के जलए आधार के रूप ि ें आधार आधाररत प्रत्यक्ष लाभ
अंतरण (डीबीटी) का उपयोग दकया िाएगा।
और िबदक, कािी पररयोिना, अटल नवप्रवततन जििन (एआईएि) के अंतगतत लाभार्र्थतयों को सुकर और जनबातध
जितलाभ प्रिान करन े के जलए, नीजत आयोग अपनी कायातन्वयन एिेंजसयों के िाध्यि से “प्रत्यक्ष लाभ अंतरण” के लाभार्र्थतयों
को कािी पिल, िो लाभार्र्थयत ों की सािाजिक-आर्र्थतक जस्ट्र्थजत िें सुधार के जलए परू े िेि िें जवत्तीय सिावेिन लाने पर
लजक्षत ि,ै के सािाजिक जितलाभों से अवगत करान े के जलए सभी अपेजक्षत व्यवस्ट्र्थाए ंकरेगा।
यि अजधसूचना सभी राज्यों और भारत सरकार के केंद्र िाजसत प्रिेिों ि ेंप्रकािन की तारीख से प्रवृत्त िोगी।
[फा. सं. 11017/19/2020- एआईएि]
आर. रिणन, जििन जनिेिक (एआईएि) तर्था अपर सजचव, नीजत आयोग
NITI AAYOG
(ATAL INNOVATION MISSION)
NOTIFICATION
New Delhi, the 17th February, 2021
S.O. 706(E).—Whereas, the use of Aadhar as identity document for delivery of services or benefits
or subsidies simplifies the Government delivery processes, brings in transparency and efficiency, and
enables beneficiaries to get their entitlements directly to them in a convenient and seamless manner.
And whereas, In exercise of the powers conferred by Para (ii) of clause (b) under sub-section(4) of
section 4 of the Aadhaar (Targeted delivery of financial and other subsidies, Benefits and Services) Act
2016 (as amended) (here in referred to as “ act”) read with Rule 5 of the Aadhaar Authentication for Good
Governance (Social, Welfare, Innovation, Knowledge) Rules, 2020,Unique Identification Authority of
India (UIDAI) and Ministry of Electronics and Information Technology, Government of India have
authorised Atal Innovation Mission , NITI Aayog, Government of India to use Aadhar authentication of its
Kashi (Cash over Internet) programme on voluntary basis.
And whereas, UIDAI and Ministry of Electronics and Information Technology, Government of
India have authorized the authentication of Aadhaarfor the following purposes:
i. Digital on-boarding of customer involving authenticating user of Aadhaar and OTP
combination
ii. Aadhaar number will act as unique identifier for DBT (Direct Benefit Transfer) transaction
for credit eligibility calculations.
And whereas, Kashi (Cash over Internet) is an end-to-end digital platform offering credit solutions
that can be used towards working capital for self employed or for consumption / urgent needs of
agricultural workers or low income groups who are otherwise entitled to the “Direct Benefit Transfer”
(DBT) which is a Program by Government of India to change the mechanism of transferring subsidies from
various welfare schemes directly to the eligible people through their bank accounts.
And whereas, Kashi platform shall use Aadhaar based Direct Benefit Transfer (DBT) flows as
basis for credit underwriting.[भाग II—खण् ड 3(ii)] भारत का रािपत्र : असाधारण 3
And whereas, in order to provide convenient and hassle free benefits to the beneficiaries under the
Kashi project, Atal Innovation Mission (AIM), NITI Aayog through its implementing agencies shall make
all the required arrangements to make beneficiaries of the “Direct Benefit Transfer” aware of the social
benefits of the Kashi initiative that aims to bring financial inclusion across the country to enhance the
socio-economic status of the beneficiaries.
This notification shall come into effect from the date of publication in all the states and union territories of
the Government of India.
[ F. No. 11017/19/2020-AIM]
R.RAMANAN, Mission Director (AIM) & Addl. Secy., NITI Aayog
Uploaded by Dte. of Printing at Government of India Press, Ring Road, Mayapuri, New Delhi-110064
and Published by the Controller of Publications, Delhi-110054.