## Report on Aadhaar Integration for Vanchit Ikai Samooh Vargon Ki Arthik Sahayata (VISVAS) Scheme
**1. Executive Summary:**
This report analyzes a notification from the Ministry of Social Justice and Empowerment regarding the integration of Aadhaar into the Vanchit Ikai Samooh Vargon Ki Arthik Sahayata (VISVAS) Scheme. The notification mandates the use of Aadhaar for beneficiaries of the scheme, aiming to streamline service delivery, enhance transparency and efficiency, and ensure direct entitlement receipt. Key findings indicate that the notification prioritizes Aadhaar authentication but provides alternative identification methods to prevent beneficiary exclusion. The National Scheduled Caste Finance Development Corporation (NSFDC) and the National Backward Classes Finance Development Corporation (NBCFDC), referred to as Implementing Agencies, are responsible for facilitating Aadhaar enrollment and ensuring scheme accessibility.
**2. Introduction:**
This report provides a detailed analysis of the notification issued by the Ministry of Social Justice and Empowerment concerning the Aadhaar integration into the VISVAS Scheme. The analysis is based solely on the content of the provided policy text.
**3. Policy Overview:**
* **Core Objective(s):** Based on the provided text, the core objectives of this policy are:
* To simplify government delivery processes for the VISVAS Scheme.
* To bring transparency and efficiency to the Scheme.
* To enable beneficiaries to conveniently and seamlessly receive entitlements directly.
* To ensure credit in the hands of the most deprived households for productive and economic activities.
**4. Background and Rationale:**
The notification aims to address potential inefficiencies and lack of transparency in the delivery of benefits under the VISVAS Scheme. By mandating Aadhaar, the government seeks to streamline the identification process, reduce the need for multiple identity documents, and ensure that benefits reach the intended recipients effectively. The focus on interest subvention for the poorest of the poor suggests an underlying need to ensure that this vulnerable population group benefits directly from the scheme without unnecessary bureaucratic hurdles.
**5. Key Provisions / Changes:**
The notification introduces the following key provisions:
* **Aadhaar Requirement:** Individuals eligible for the VISVAS Scheme must furnish proof of Aadhaar number or undergo Aadhaar authentication.
* **Aadhaar Enrollment:** Individuals without Aadhaar must apply for enrollment before registering for the Scheme.
* **Enrollment Facilitation:** The Department, through its Implementing Agencies (NSFDC and NBCFDC), is required to offer Aadhaar enrollment facilities for beneficiaries who are not yet enrolled. In areas without existing centers, the Department is mandated to provide enrollment facilities in coordination with the UIDAI.
* **Alternative Identification:** Until Aadhaar is assigned, beneficiaries can receive benefits upon producing their Aadhaar Enrolment Identification slip and one of the specified alternative identification documents (Bank Passbook with Photo, PAN Card, Passport, Ration Card, Voter ID, MGNREGA Card, Kisan Photo Passbook, Driving License, or a certificate of identity from a Gazetted Officer or Tehsildar).
* **Publicity:** The Department, through its Implementing Agency, must widely publicize the Aadhaar requirement under the Scheme.
* **Authentication Failure Mechanisms:** In cases of authentication failure (poor biometrics, etc.), the policy outlines the following mechanisms:
* Iris scan or face authentication should be adopted.
* Aadhaar One Time Password (OTP) or Time-based One-Time Password (TOTP) should be offered where feasible.
* Benefits can be given based on a physical Aadhaar letter verifiable through a QR code.
* **Exception Handling:** The Department must follow the exception handling mechanism specified in the Office Memorandum of Direct Benefit Transfer Mission to ensure no bona fide beneficiary is deprived of benefits.
**6. Target Audience and Stakeholders:**
The target audience and stakeholders directly affected by this notification include:
* Individuals from SC and OBC households with an annual income of up to three lakh rupees, who are eligible for the VISVAS Scheme.
* The Department of Social Justice and Empowerment.
* The National Scheduled Caste Finance Development Corporation (NSFDC).
* The National Backward Classes Finance Development Corporation (NBCFDC).
* The Unique Identification Authority of India (UIDAI).
**7. Implementation Aspects (Inferred):**
* **Responsible Agency/Bodies:** The Department of Social Justice and Empowerment, NSFDC, NBCFDC, and UIDAI are responsible for implementing the provisions of this notification.
* **Procedures:** The notification outlines procedures for Aadhaar enrollment, authentication, and alternative identification methods.
* **Timelines:** The notification comes into effect on the date of its publication in the Official Gazette.
**8. Expected Outcomes / Impact of Changes:**
The intended outcomes of these changes are:
* Improved efficiency and transparency in the delivery of benefits under the VISVAS Scheme.
* Reduced instances of fraud and leakage of funds.
* Greater convenience for beneficiaries in accessing their entitlements.
* Enhanced financial inclusion of the poorest SC and OBC households.
* Seamless service delivery through diversified authentication mechanisms.
**9. Conclusion:**
The notification regarding Aadhaar integration into the VISVAS Scheme represents a significant step towards streamlining and improving the delivery of benefits to the target population. By leveraging Aadhaar for identification and authentication, the government aims to enhance efficiency, transparency, and convenience for beneficiaries while also ensuring that no eligible individual is excluded from receiving their due entitlements. The success of this initiative hinges on the effective implementation by the Department of Social Justice and Empowerment and its Implementing Agencies, along with robust exception handling mechanisms.
Key Entities Referenced
Ministry of Social Justice and Empowerment: A department of the Government of India.
Department of Social Justice and Empowerment: The specific department within the Ministry of Social Justice and Empowerment administering the VISVAS Scheme.
Vanchit Ikai Samooh Vargon Ki Arthik Sahayata VISVAS Scheme: An interest subvention scheme administered by the Department of Social Justice and Empowerment for SC/OBC households.
National Scheduled Caste Finance Development Corporation NSFDC: One of the Implementing Agencies for the VISVAS Scheme.
National Backward Classes Finance Development Corporation NBCFDC: One of the Implementing Agencies for the VISVAS Scheme.
Consolidated Fund of India: The government account from which the Scheme's recurring expenditures are drawn.
Aadhaar Targeted Delivery of Financial and Other Subsidies, Benefits and Services Act, 2016: The Act under which the notification regarding Aadhaar usage for the VISVAS Scheme is issued.
Unique Identification Authority of India UIDAI: The authority responsible for Aadhaar enrolment.
Aadhaar Enrolment and Update Regulations, 2016: Regulations pertaining to Aadhaar enrolment.
Permanent Account Number PAN Card: An identification document.
MGNREGA card: An identification document.
Motor Vehicles Act, 1988: Act mentioned in the document.
Direct Benefit Transfer Mission, Cabinet Secretariat, Government of India: An office involved in specifying exception handling mechanisms.
New Delhi: Location of publication, New Delhi, Delhi, India
All the States and Union territories: All states and UTs of India.
रजिस्ट्री स.ं डी.एल.- 33004/99 REGD. No. D. L.-33004/99
सी.जी.-डी.एल.-अ.-12102022-239594
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CG-DL-E-12102022-239594
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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.ं 4649] नई दिल्ली, बुधिार, अक्त बू र 12, 2022/आजश्ि न 20, 1944
No. 4649] NEW DELHI, WEDNESDAY, OCTOBER 12, 2022/ASVINA 20, 1944
सामाजिक न्याय और अजधकाररता मत्रं ालय
(सामाजिक न्याय और अजधकाररता जिभाग)
अजधसचू ना
नई दिल्ली, 12 अक् तूबर, 2022
का.आ. 4859(अ).—सेिाओं अथिा लाभों अथिा सहायदकयों के पररिान के जलए एक पहचान िस्ट् तािेि के प प म
आधार के उपयोग से सरकारी पररिान की प्रदिया आसान हो िाती है, इससे पारिर्ििता और िक्षता आती ह ै तथा
जहतजधकाररयों को अपनी पहचान जसद्ध करन े के जलए अनेक िस्ट्तािेि प्रस्ट्तुत करन े की आिश्यकता से छुटकारा दिलात े हुए
एक सुजिधािनक तथा जनबािध प प से उनकी हकिाररयां सीधे प्राप्त करन े म सक्षम बनाती ह।ै
और िबदक, सामाजिक न् याय और अजधकाररता मंत्रालय, भारत सरकार के सामाजिक न् याय और अजधकाररता
जिभाग िजं चत इकाई समहू िगों की आर्थकि सहायता (जिश्वास) स्ट्कीम (जिसे इसके पश्च ात स्ट्कीम कहा िाएगा) का
प्रिासन कर रहा ह,ै िो अनुसूजचत िाजत और अन्य जपछडा िग ि पररिारों के लजक्षत समूहों म सिािजधक गरीब के जलए ब्याि
राहत की स्ट्कीम ह।ै इस स्ट्कीम का लक्ष्य फलिायी और आर्थिक गजतजिजधयों के जलए सिािजधक िंजचत पररिारों के हाथों म
अजधक ऋण सुजनजित करना ह,ै जिसका कायािन्ियन राष्ट्रीय अनुसूजचत िाजत जित्त एिं जिकास जनगम एनएसएफडीसी)
और राष्ट्रीय जपछडा िग ि जित्त एिं जिकास जनगम (एनबीसीएफडीसी) (जिस े इसम इसके पश् चात कायािन्ियन एि जसयां कहा
िाएगा) के माध्यम से दकया िा रहा ह ै;
और िबदक, स्ट् कीम के अधीन, ब् याि राहत (जिसे इसम इसके पश् चात लाभ कहा गया ह)ै , स्ट् कीम के मूिूिा दििा-
जनिेिों के अनुसार, अनुसूजचत िाजत और अनुसूजचत िनिाजत (जिसे इसम इसके पश् चात लाभाथक कहा गया ह)ै के लजक्षत
समूहों म आन े िाल ेजिनकी िार्षिक आय तीन लाख रुपए तक है, सबसे गरीब लोगों को दिया गया ह।ै
6916 GI/2022 (1)2 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II—SEC. 3(ii)]
और िबदक, स्ट्कीम म भारत की संजचत जनजध स ेप्राप्त होन े िाला आितक व् यय सजमिमजलत ह;ै
अत: अब, केन् रीय सरकार, आधार (जित्तीय और अन् य सहाजयदकयों, प्रसुजिधाओं और सेिाओं का लजक्षत पररिान)
अजधजनयम, 2016 (2016 का 18) (जिसे इसम इसके पश् चात उक्त अजधजनयम कहा गया ह)ै , की धारा 7 के उपबंधों के
अनुसरण म जनमिन जलजखत अजधसूजचत करती ह,ै अथाित:-
1. (1) स्ट्कीम के अधीन लाभ लेन े के इच्छ ुक प्र यके पात्र व् यजि स े अपक्षे ा की िाती ह ै दक िह आधार सं् या रखन े का
सबूत प्रस्ट् ततु करे अथिा आधार अजधप्रमाणन कराएं।
(2) स्ट्कीम के अधीन फायिा लने े का इच्छ ुक कोई व् यजि िो आधार सं् या नहर रखता ह ै अथिा जिसने आधार के
जलए अभी तक नामांकन नहर दकया ह,ै उसे स्ट्कीम के जलए रजिस्ट् रीकरण करन े से पहले आधार नामांकन के जलए आिेिन
करना होगा, परंत ु िह उक्त अजधजनयम की धारा 3 के उपबंधों के अनुसार आधार प्राप् त करने के जलए हकिार ह ै और सस े
व् यजि आधार नामांकन के जलए दकसी भी आधार नामाकं न केन् र (केन् रों की सूची यूआईडीएआई की िेबसाइट
www.uidai.gov.in पर उपलब् ध ह)ै से संपकि कर सक गे।
(3) आधार (नामांकन और अद्यतन) जिजनयम, 2016 के जिजनयम 12 के अनुसार, इसके कायािन् ियन अजभकरणों
के माध् यम स े मंत्रालय जहताजधकाररयों के जलए िो अभी आधार हते ु नामांदकत नहर हुए हं, उनके आधार नामांकन
सजु िधाओं की व्य िस्ट्थ ा करना अपजे क्षत ह ैऔर यदि सबं जं धत ब्ल ॉक अथिा तालकु ा अथिा तहसील म आधार नामाकं न केन्र
जस्ट्थत नहर हो तो कायािन् ियन अजभकरणों के माध् यम स े जिभाग यूआईडीएआई के जिद्यमान रजिस्ट् रार के सहयोग स े अथिा
स्ट् ित: यआू ईडीएआई रजिस्ट् रार बनते हुए सुजिधािनक स्ट् थान पर आधार नामांकन सुजिधाएं उपलब् ध कराएगा:
परंत ु स्ट्कीम के अधीन दकसी व्य जि को आधार सपप दिए िाने तक ससे व् यजि को जनमिन जलजखत िस्ट् तािेिों को
प्रस्ट् तुत करन े के अध् यधीन फायि ेदिए िाएंग,े अथाित:-
(क) आधार नामांकन पहचान पचक के साथ
जनम्नजलजखत िस्ट्तािेिों म से कोई एक िस्ट्तािेि, नामत:
(i) फोटो के साथ बंक अथिा डाक घर की पासबुक;
(ii) स्ट् थायी खाता सं् या (पैन) काड;ि अथिा
(iii) पासपोट;ि अथिा
(iv) रािन काड;ि अथिा
(v) मतिाता पहचान काडि
(vi) महा मा गांधी रार ीय मीणामीण रोिगार गारंटी (मनरेगा) काडि; अथिा
(vii) दकसान फोटो पासबुक; अथिा
(viii) मोटर यान अजधजनयम, 1998 (1988 का 59) के अधीन अनुज्ञापन प्राजधकारी द्वारा िारी ड्राइविंग लाइस स;
अथिा
(ix) दकसी रािपजत्रत अजधकारी या दकसी तहसीलिार या दकसी कायािलय के अजधकारी द्वारा िारी फोटो युक् त
पहचान प्रमाण-पत्र; अथिा
(x) जिभाग द्वारा जिजनर्िि ट कोई अन् य िस्ट्त ािेि:
परंत ु यह और दक उपयुिक् त िस्ट्त ािेि को इस प्रयोिन के जलए जिभाग द्वारा नामजनर्िि ट दकसी अजधकारी द्वारा िांच की
िाएगी।
2. स्ट्कीम के अधीन जहताजधकाररयों को फायिा प्रिान करन े के जलए, जिभाग अपनी कायािन् ियन अजभकरणों के माध् यम स,े
यह सुजनजित करन े के जलए सभी अपेजक्षत व् यिस्ट्थ ाए ं करेगा जिससे स्ट्कीम के अधीन आधार की अपक्षे ाओं के प्रजत
जहताजधकाररयों को िागप क बनाने के जलए मीजडया के माध् यम से व् यापक प्रचार दकया िाएगा।[भाग II—खण् ड 3(ii)] भारत का रािपत्र : असाधारण 3
3. उन सभी मामलों म, िहां आधार अजधप्रमाणन जहताजधकाररयों के खराब बायोमैररक् स के कारण अथिा दकसी अन् य
कारण से असफल रहता ह,ै िहां जनमिन जलजखत उपचारा मक दियाजिजध अपनायी िाएगी, अथाति ्:-
(क) खराब फफंगरवप्रंट के मामल े म , अजधप्रमाणन के जलए आईररस स्ट् कैन अथिा चेहरा अजधप्रमाणन सुजिधा अपनाई
िाएगी, जिससे जिभाग अपनी कायािन् ियन अजभकरणों के माध्य म से, आईररस स्ट् कैनसि अथिा चेहरा अजधप्रमाणन के साथ
फफंगरवप्रंट अजधप्रमाणन के जलए प्रािधान करेगा जिससे जनबािध रीजत स ेफायिा प्राप् त हो सके;
(ख) फफंगरवप्रंट के माध् यम स े बायोमीररक अजधप्रमाणन अथिा आईररस अथिा चेहरा अजधप्रमाणन के सफल न होन े की
ििा म, िहां कहर साक्ष्य और मीणा्य हो,
िहां, यथाजस्ट्थजत, सीजमत समय िैधता िाले आधार िन टाइम पासिडि (ओटीपी) अथिा समय आधाररत िन टाइम पासिड ि
द्वारा अजधप्रमाणन प्रिान दकया िाएगा;
(ग) अन् य सभी मामलों म िहां बायोमीररक अथिा आधार एक बारगी पासिडि अथिा समय-आधाररत िन-टाइम
पासिडि अजधप्रमाणन संभि नहर ह ै िहां स्ट्कीम के अधीन लाभों को भूजतक आधार पत्र के आधार पर दिए िा सकते हं,
जिनकी अजधप्रमाजणकता आधार पत्र पर मुदरत िररत कारििाई कूट के माध् यम से स याजपत की िा सकती ह ै और रीडर का
आिश् यक प्रबंध अपनी कायािन् ियन अजभकरणों के माध् यम से जिभाग द्वारा सुजिधािनक स्ट्थ ान पर उपलब् ध कराया िाएगा;
4. यह सुजनजित करने के जलए दक स्ट्कीम के अधीन कोई सिभािी जहताजधकारी अपने िेय फायिों से िंजचत न रहे,
जिभाग अपन े कायािन् ियन अजभकरण के माध् यम से प्र यक्ष फायिा हस्ट्त ांतरण जमिन, मंजत्रमंडल सजचिालय, भारत सरकार
के तारीख 19 दिसमि बर, 2017 के कायािलय ज्ञापन सं. डी-26011/04/2017-डीबीटी (https://dbtbharat.gov.in/ पर
उपलब् ध) म जिजनर्िि ट अपिाि संचालन दियातंत्र जिजध का पालन करेगा।
5. यह अजधसूचना रािपत्र म इसके प्रकािन की तारीख से सभी राज्य ों और संघ राज्य क्षेत्रों म प्रितत्त होगी।
[फा. सं. 14017/1/2021-डीबीटी]
कल् याणी चड्डा, संयुक् त सजचि
MINISTRY OF SOCIAL JUSTICE AND EMPOWERMENT
(Department of Social Justice and Empowerment)
NOTIFICATION
New Delhi, the 12th October, 2022
S.O.4859(E).—Whereas, the use of Aadhaar as an 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 in a convenient and seamless manner by
obviating the need to produce multiple documents to prove one’s identity;
And whereas, the Department of Social Justice and Empowerment in the Ministry of Social Justice
and Empowerment, Government of India (hereinafter referred to as the Department), is administering
Vanchit Ikai Samooh Vargon Ki Arthik Sahayata (VISVAS) Scheme (hereinafter referred to as the
Scheme) which is an interest subvention scheme for the poorest of the poor for the target groups of SC &
OBC households. The scheme aims to ensure more credit in the hands of the most deprived households
for productive and economic activities, which is being implemented through the National Scheduled Caste
Finance Development Corporation (NSFDC) and the National Backward Classes Finance Development
Corporation (NBCFDC) (hereinafter referred to as the Implementing Agencies);
And whereas, under the Scheme, interest subvention (hereinafter referred to as the benefits) is
given to the poorest of the poor with an annual income of up to three lakh rupees belonging to the target
groups of SC and OBC (hereinafter referred to as the beneficiaries), as per the extant Scheme guidelines;
And whereas, the Scheme involves recurring expenditure incurred from the Consolidated Fund of
India.4 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II—SEC. 3(ii)]
Now, therefore, in pursuance of section 7 of the Aadhaar (Targeted Delivery of Financial and Other
Subsidies, Benefits and Services) Act, 2016 (18 of 2016) (hereinafter referred to as the said Act), the
Central Government hereby notifies the following, namely:-
1. (1) An individual eligible for receiving the benefits under the Scheme shall hereby required to
furnish proof of possession of the Aadhaar number or undergo Aadhaar authentication.
(2) Any individual desirous of availing benefits under the Scheme, who does not possess the
Aadhaar number or, has not yet enrolled for Aadhaar, shall be required to make application for
Aadhaar enrolment before registering for the Scheme provided that he is entitled to obtain Aadhaar as
per section 3 of the said Act, and such individuals shall visit any Aadhaar enrolment centre [list
available at the Unique Identification Authority of India (UIDAI) website www.uidai.gov.in] to get
enrolled for Aadhaar.
(3) As per the regulation 12 of the Aadhaar (Enrolment and Update) Regulations, 2016, the
Department through its Implementing Agency, is required to offer Aadhaar enrolment facilities for the
beneficiaries who are not yet enrolled for Aadhaar and in case there is no Aadhaar enrolment centre
located in the respective Block or Taluka or Tehsil, the Department through its Implementing Agency
shall provide Aadhaar enrolment facilities at convenient locations in coordination with the existing
Registrars of UIDAI or by becoming a UIDAI Registrar themselves:
Provided that till the time Aadhaar is assigned to the individual, benefits under the Scheme shall
be given to such individuals, subject to the production of the following documents, namely :–
(a) Aadhaar Enrolment Identification slip; alongwith any one of the following documents,
namely:-
(i) Bank or Post office Passbook with Photo; or
(ii) Permanent Account Number (PAN) Card; or
(iii) Passport; or
(iv) Ration Card; or
(v) Voter Identity Card; or
(vi) MGNREGA card; or
(vii) Kisan Photo passbook; or
(viii) Driving license issued by the Licensing Authority under the Motor Vehicles Act, 1988
(59 of 1988); or
(ix) Certificate of identity having photo of such person issued by a Gazetted Officer or a
Tehsildar on an official letter head; or
(x) any other document as specified by the Department:
Provided further that the above documents may be checked by an officer specifically
designated by the Department for that purpose.
2. In order to provide benefits to the beneficiaries under the Scheme conveniently, the Department
through its Implementing Agency shall make all the required arrangements to ensure that wide publicity
through the media shall be given to the beneficiaries to make them aware of the requirement of Aadhaar
under the Scheme.
3. In all cases, where Aadhaar authentication fails due to poor biometrics of the beneficiaries or due
to any other reason, the following remedial mechanisms shall be adopted, namely:-
(a) in case of poor fingerprint quality, iris scan or face authentication facility shall be adopted for
authentication, thereby the Department through its Implementing Agency shall make provisions
for iris scanners or face authentication along with finger-print authentication for delivery of
benefits in seamless manner;
(b) in case the biometric authentication through fingerprints or iris scan or face authentication is not
successful, wherever feasible and admissible authentication by Aadhaar One Time Password or
Time-based One-Time Password with limited time validity, as the case may be, shall be offered;[भाग II—खण् ड 3(ii)] भारत का रािपत्र : असाधारण 5
(c) in all other cases where biometric or Aadhaar One Time Password or Time-based One-Time
Password authentication is not possible, benefits under the Scheme may be given on the basis
of physical Aadhaar letter whose authenticity can be verified through the Quick Response (QR)
code printed on the Aadhaar letter and the necessary arrangement of QR code reader shall be
provided at the convenient locations by the Department through its Implementing Agency.
4. In order to ensure that no bona fide beneficiary under the Scheme is deprived of his due benefits, the
Department through its Implementing Agency shall follow the exception handling mechanism as specified
in the Office Memorandum of Direct Benefit Transfer Mission, Cabinet Secretariat, Government of India
No. D-26011/04/2017-DBT, dated the 19th December 2017 (available on https://dbtbharat.gov.in/).
5. This notification shall come into effect on the date of its publication in the Official Gazette in all the
States and Union territories.
[F. No. 14017/1/2021-DBT]
KALYANI CHADHA, 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.