Okay, I will generate a policy analysis report based solely on the provided text.
**Report: Analysis of Aadhaar Authentication Notification for Ms Online PSB Loans Limited**
**1. Executive Summary:**
This report analyzes a notification from the Ministry of Finance, Department of Financial Services, authorizing Ms Online PSB Loans Limited to perform Aadhaar authentication on a voluntary basis for beneficiaries on the National Portal for Credit Linked Government Schemes. The core purpose is to enable verification of customers and pre-filling of data for these schemes using Aadhaar, while adhering to specific guidelines concerning consent, data security, and alternative identification methods. This notification aims to streamline the credit and subsidy application process while safeguarding beneficiary data and ensuring voluntary participation.
**2. Introduction:**
This report provides an overview and analysis of Notification S.O. 2257(E), issued by the Ministry of Finance, Department of Financial Services, regarding the permission granted to Ms Online PSB Loans Limited for Aadhaar authentication. This analysis is based solely on the text of the notification provided.
**3. Policy Overview:**
This is a new policy that specifically authorizes Ms Online PSB Loans Limited to perform Aadhaar authentication.
Core Objective(s) (inferred from the provided text):
* To facilitate the verification of customers or beneficiaries applying for credit and subsidies under Government schemes hosted on the National Portal for Credit Linked Government Schemes.
* To enable the pre-filling of beneficiary data to expedite the processing of applications.
* To verify data during subsidy processing.
* To prevent beneficiaries from availing benefits under multiple schemes.
**4. Background and Rationale:**
This policy addresses the need for efficient and secure verification of beneficiaries applying for credit-linked government schemes. Aadhaar authentication is presented as a means to streamline the process and prevent fraudulent claims by ensuring only eligible individuals receive benefits. The emphasis on voluntary participation and data security suggests a response to potential concerns about privacy and data breaches associated with mandatory Aadhaar usage.
**5. Key Provisions:**
This policy establishes the following key provisions:
* **Authorization:** Ms Online PSB Loans Limited is authorized to perform Aadhaar authentication (including Yes/No authentication and eKYC) for beneficiaries on the National Portal for Credit Linked Government Schemes.
* **Permitted Uses:** Aadhaar authentication is permitted for:
* Verification of customers applying for credit and subsidies.
* Pre-filling of beneficiary data.
* Verification of data during subsidy processing.
* Checking for duplicate claims under different schemes.
* **Consent Requirement:** Informed consent from the resident is mandatory before Aadhaar authentication can be performed. The purpose of authentication and how the Aadhaar number will be collected, stored, and used must be clearly communicated.
* **Exception Handling:** Strict adherence to exception handling regulations as outlined in the Aadhaar Act is required.
* **Voluntary Basis:** Aadhaar authentication is purely voluntary, and no service or benefit can be denied due to failure of Aadhaar-based authentication.
* **Alternative Mechanisms:** Residents must be informed of alternative identification or verification mechanisms.
* **Data Security:**
* Only the last four digits of the Aadhaar number can be displayed.
* Aadhaar numbers must be stored securely in an Aadhaar Data Vault.
* Complete eKYC information should not be displayed; only necessary demographic details should be shown.
* **Biometric Authentication:** Biometric authentication must be performed in an assisted mode or controlled environment by registered or verified operators.
**6. Target Audience and Stakeholders:**
* **Directly Affected:**
* Customers or beneficiaries applying for credit and subsidies under Government schemes hosted on the National Portal for Credit Linked Government Schemes.
* Ms Online PSB Loans Limited.
* **Other Stakeholders:**
* The Ministry of Finance (Department of Financial Services).
* Central Government.
* National Portal for Credit Linked Government Schemes.
**7. Implementation Aspects (Inferred):**
* **Responsible Agency/Bodies:** The Department of Financial Services, Ministry of Finance, authorized Ms Online PSB Loans Limited. Ms Online PSB Loans Limited is responsible for adhering to the guidelines set by the Central Government regarding Aadhaar authentication.
* **Timelines/Procedures:** No specific timelines are mentioned. Ms Online PSB Loans Limited must establish procedures for obtaining informed consent, handling exceptions, ensuring data security, and providing alternative verification mechanisms. The company must also establish a means of registering or verifying operators for assisted biometric authentication.
**8. Expected Outcomes / Impact of Changes:**
The likely intended outcomes of this policy are:
* Streamlined verification process for credit and subsidy applications.
* Reduced processing time due to pre-filling of data.
* Prevention of fraudulent claims and duplicate benefits.
* Improved efficiency in the delivery of Government schemes.
* Increased adoption of digital verification methods.
* Enhanced data security and privacy through adherence to Aadhaar Act guidelines.
**9. Conclusion:**
The notification authorizing Ms Online PSB Loans Limited to perform Aadhaar authentication for beneficiaries on the National Portal for Credit Linked Government Schemes represents a move towards leveraging Aadhaar for efficient and secure delivery of government benefits. The policy emphasizes voluntary participation, data security, and adherence to established guidelines, mitigating potential risks associated with Aadhaar usage. Its success hinges on effective implementation by Ms Online PSB Loans Limited and continued oversight by the Department of Financial Services.
Key Entities Referenced
Aadhaar Targeted Delivery of Financial and Other Subsidies, Benefits and Services Act, 2016: An act related to Aadhaar-based delivery of financial and other subsidies, benefits, and services.
Aadhaar Authentication for Good Governance Social Welfare, Innovation, Knowledge Rules, 2020: Rules pertaining to Aadhaar authentication for good governance, social welfare, innovation, and knowledge.
Ministry of Finance: The government ministry responsible for financial matters.
Department of Financial Services: A department within the Ministry of Finance.
Ms Online PSB Loans Limited: An organization authorized to perform Aadhaar authentication.
National Portal for Credit Linked Government Schemes: A portal hosting government schemes related to credit.
Section 29: Section 29 of the Aadhaar Targeted Delivery of Financial and Other Subsidies, Benefits and Services Act, 2016, which relates to informed consent.
New Delhi: Location of notification, Union Territory of Delhi
Mayapuri, New Delhi: Location of the Government of India Press in the Union Territory of Delhi
Delhi: Location of the Controller of Publications, Union Territory of Delhi
रजिस्ट्री स.ं डी.एल.- 33004/99 REGD. No. D. L.-33004/99
सी.जी.-डी.एल.-अ.-11062021-227494
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CG-DL-E-11062021-227494
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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.ं 2097] नई दिल्ली, िु्िार, िनू 11, 2021/ज्य ्े ि 21, 1943
No. 2097] NEW DELHI, FRIDAY, JUNE 11, 2021/JYAISHTHA 21, 1943
जित्त मत्रं ालय
(जित्तीय सिे ाएं जिभाग)
अजधसचू ना
नई दिल्ली, 11 िून, 2021
का.आ. 2257(अ).—सुिासन के जलए आधार अजधप्रमाणन (सामाजिक कल् याण, निाचार, ज्ञान), जनयम, 2020
के जनयम 5 के साथ पठित आधार (जित् तीय र अ य सााजयदकयं, प्रसुजिधाओं र सेिाओं का लजित पठरिान)
अजधजनयम, 2016 (यथा संिोजधत) की धारा 4 की उप धारा (4) के खण्ड (ख) के उप खण्ड (ii) के अनुसरण म ें केंद्रीय
सरकार द्वारा प्राजधकृत दकए िाने पर जित् तीय सेिाएं जिभाग, जित् त मंत्रालय एतिद्वारा या अजधसूजचत करता ा दक म सस स
ऑनलाइन पीएसबी लोन जलजमटेड को जनम्न जलजखत प्रयोिनं के जलए ्ेजडट िंलं्ड सरकारी योिनाओं के रा्र ीय पोटलस
पर लाभार्थसयं के ‘िी ाां’ अथिा ‘िी नाीं’ अजधप्रमाणन र ई-केिाईसी सजात स्ट् ि जछिक आधार पर िांच के जलए आधार
अजधप्रमाणन की अनुमजत िी िाती ा:
(i) ्ेजडट िंल्ं ड सरकारी योिनाओं के रा्र ीय पोटलस पर सरकारी योिनाओं के संबंध म ें ीण की स्ट् िीकृजत अथिा
सजससडी के जलए आिेिन करने िाले ग्रााकं अथिा लाभार्थसयं का सत् यापन।
(ii) आिेिन की प्रोसेिंसंग के जलए लाभार्थसयं के आंकों ं का सत् यापन करना र पाल े ाी ििासना।
(iii) सजससडी प्रद्या के िौरान आंकों ं का सत् यापन।
(iv) इसकी िांच करना दक ग्रााक अथिा लाभाथी ने दकसी योिना के अंतगसत पाले ाी कोई लाभ जलया ा या नाीं।
3134 GI/2021 (1)2 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II—SEC. 3(ii)]
म ससस ऑनलाई पीएसबी लोन जलजमटेड जनम्न जलजखत सजात आधार अजधप्रमाणन के प्रयोग के जलए केंद्रीय सरकार
द्वारा जनधासठरत दििा-जनिेिं का पालन करेगा:
(i) उ्त अजधजनयम की धारा 29 के संिभस में अजधप्रमाणन के प्रयोिन ाते ु अजधिासी से सूजचत सामजत प्राप् त की
िाएगी। इस प्रयोिन ाते ु मांगी गई आधार संख् या र संबंजधत सूचना से अजधिासी को स्ट्प ्ट ूपप से अिगत
कराया िाएगा। जििेष ूपप से आधार संख् या एकत्र करन,े संग्रजात करने र प्रयोग करने की पद्धजत की स्ट् प्ट
िानकारी अजधिासी को िी िाएगी।
(ii) अपिािात् मक संचालन से संबंजधत उपबंधं को उ्त अजधजनयम र इसके संगत जिजनयमं के अनुसार सख्ती स े
लाग ूदकया िाएगा।
(iii) आधार आधाठरत अजधप्रमाणन में जिफल ाोने के कारण अजधिासी को दकसी प्रकार की सेिा अथिा लाभ के जलए
मना नाीं दकया िाएगा।
(iv) अजधिासी को पाचान अथिा सत् यापन की ि कजल्पक प्रद्या के बारे में सूजचत दकया िाएगा ्य ंदक आधार
अजधप्रमाणन का तत्क ाल प्रयोग पूणतस : स्ट् ि जछिक आधार पर अनुमत्त ा।
(v) प्रणाली में काीं भी आधार संख्य ा को प्रिर्िसत नाीं दकया िाएगा र िाां काीं आि यक ाो आधार संख् या के
केिल अंजतम चार अंक प्रिर्िसत दकए िाएंगे।।
(vi) आधार संख् या को आधार डाटा को्ि में सुरजित ूपप से सग्रं जात दकया िाएगा।
(vii) अजधिासी की ई-केिाईसी सूचना का पूणस स यौरा स्ट् ्ीन पर प्रिर्िसत नाीं दकया िाएगा, बजल्क केिल आि यक
िनसांजख्यकीय स यौरे ि से प्रथम नाम, ि म का िषस आदि को प्रिर्िसत दकया िाएगा।
(viii) लाभा र्थसयं का बायोमीठरक अजधप्रमाणन म ससस ऑनलाइन पीएसबी लोन जलजमटेड द्वारा पंिीकृत अथिा
सत् याजपत ऑपरेटर के द्वारा साायक पद्धजत अथिा जनयंजत्रत पठरजस्ट्थजत में दकया िाएगा।
[फा.सं. 28/1/2020-बीओ.II]
मिनेि कुमार जमश्र, संयुक्त सजचि
MINISTRY OF FINANCE
(Department of Financial Services)
NOTIFICATION
New Delhi, the 11th June, 2021
S.O. 2257(E).—In pursuance of sub-clause (ii) of clause (b) of sub-section (4) of section 4 of the
Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016 (as
amended) read with rule 5 of the Aadhaar Authentication for Good Governance (Social Welfare,
Innovation, Knowledge) Rules, 2020, the Department of Financial Services, Ministry of Finance, having
been authorised by the Central Government, hereby notifies that M/s Online PSB Loans Limited is allowed
to perform Aadhaar authentication, on voluntary basis, for verification, including Yes or No authentication
and e-KYC, of beneficiaries on the National Portal for Credit Linked Government Schemes, for the
purposes given below:
(i) Verification of customers or beneficiaries applying for credit sanction and subsidy for the
Government schemes hosted on under National Portal for Credit Linked Government Schemes.
(ii) Verification and Pre- filling of the beneficiaries’ data for processing applications.
(iii) Verification of data at time of Subsidy Processing.
(iv) To check whether the customer or beneficiary has already availed the benefit under any scheme.[भाग II—खण् ड 3(ii)] भारत का रािपत्र : असाधारण 3
M/s Online PSB Loans Limited shall adhere to the guidelines laid down by the Central Government with
respect to use of Aadhaar authentication, including the following:
(i) The informed consent of the resident shall be obtained for the purpose of authentication in terms of
Section 29 of the said Act. The purposes for which the Aadhaar number and related information is
being sought shall be communicated clearly to the resident. Specifically, the manner in which the
Aadhaar number will be collected, stored and used shall be clearly communicated to the residents.
(ii) Provisions related to exception handling shall be implemented strictly in accordance with the said
Act and its associated regulations.
(iii) There shall be not denial of any service or benefit to resident on account of failure of Aadhaar
based authentication.
(iv) The resident shall be informed of alternate mechanism of identification or verification as the instant
usage of Aadhaar Authentication is permitted purely on voluntary basis.
(v) There shall not be display of Aadhar number anywhere in system and wherever required only last
four digits of Aadhaar number shall be displayed.
(vi) Aadhaar numbers shall be stored securely in Aadhaar Data Vault.
(vii) Complete details of the e-KYC information of the resident shall not be displayed on the screen,
instead only necessary demographic details such as first name, year of birth etc. shall be
displayed.
(viii) Biometric authentication of beneficiaries shall be performed only in assisted mode or controlled
environment by the operator registered or verified by M/s Online PSB Loans Ltd.
[F.No. 28/1/2020-BO.II]
MADNESH KUMAR MISHRA, Jt. Secy.
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.