Lok Sabha Question No. 2650 (UNSTARRED), answered on 2021-03-10
Subject: Aadhaar Authentication
Ministry: ELECTRONICS AND INFORMATION TECHNOLOGY
Asked by: Srinivas Kesineni

## GOVERNMENT OF INDIA MINISTRY OF ELECTRONICS AND INFORMATION TECHNOLOGY

## LOK SABHA

## UNSTARRED QUESTION NO. 2650

TO BE ANSWERED ON 10.03.2021

## AADHAAR AUTHENTICATION

## 2650.    SHRI KESINENI SRINIVAS:

Will the Minister of ELECTRONICS AND INFORMATION TECHNOLOGY be pleased to state:

- (a)   the details of Government authorities, non-Government entities and external private entities which were  consulted  before  framing  the  Aadhaar  Authentication  for  Good  Governance  (Social  Welfare, Innovation, Knowledge) Rules, 2020;
- (b)  the list of companies which applied for Aadhaar authentication and have been granted permission under the aforementioned Rules;
- (c)   the list of private companies with access to Aadhaar APIs under various provisions; and
- (d)   the list of private firms that have been requesting for access to e-KYC authentication services to UIDAI under the Prevention of Money Laundering Act, 2002?

## ANSWER

## MINISTER OF STATE FOR  ELECTRONICS AND INFORMATION TECHNOLOGY (SHRI SANJAY DHOTRE)

- (a): The  Aadhaar  Authentication  for  Good  Governance  (Social,  Welfare,  Innovation,  Knowledge) Rules, 2020 were framed after consultation with Unique Identification Authority of India (UIDAI) and Ministry of Law and Justice.
- (b): As on date, following two proposals pertaining to companies have been received by the Ministry under  Rule  4  of  the  Aadhaar  Authentication  for  Good  Governance  (Social,  Welfare,  Innovation, Knowledge) Rules, 2020:
- (i)  Proposal of Ministry of Railways seeking Aadhaar authentication services, on voluntary basis, for authenticating the user IDs on E-Ticketing website IRCTC for booking e-tickets. The proposal has been approved and conveyed to Ministry of Railways on 23.12.2020.
- (ii) Proposal of Department of Industries, Govt. of National Capital Territory of Delhi seeking Aadhaar authentication  services  for  its  undertaking  Delhi  State  Industrial  and  Infrastructure  Development Corporation Ltd. (DSIIDC). The same is under examination.
- (c): Three  types  of  Aadhaar  authentication  APIs  are  available  in  public  domain  to  develop  test applications in staging environment, namely (i) Authentication API (ii) eKYC API (iii) OTP API.  Any entity can test its Authentication/eKYC application using these.  However, for actual implementation, the prescribed on-boarding process is required to be followed.
- (d): Department  of  Revenue,  Ministry  of  Finance  has  issued  notifications  dated  22.04.2020, 23.04.2020, 19.08.2020, 20.08.2020, 22.12.2020 and 28.01.2021 under section 11A of the Prevention

of Money Laundering Act, 2002 permitting use of Aadhaar authentication services to 65 entities, out of which 57 entities approached UIDAI with request to appoint them as AUA/KUA.  Apart from these, 56  private  banking  companies,  as  reporting  entities  are  also  allowed  Aadhaar  authentication  on voluntary basis under Section 11A(1)(a) of  PMLA Act, 2002.

The  list  of  such  entities  having  requested  for/  having  access  to  e-KYC  authentication  services  as aforementioned is enclosed at Annexure I.

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Annexure-I

List  of  private  entities  requested  for/having  access  to  e-KYC  services  of  Aadhaar  Under PMLA Act, 2002

## (1) List of entities notified by Dept of Revenue

|   S.No. | Name of the Organization                                             |
|---------|----------------------------------------------------------------------|
|       1 | Bajaj Allianz Life Insurance Company Limited                         |
|       2 | Computer Age Management Services Private Limited                     |
|       3 | CDSL Ventures Limited (CVL)                                          |
|       4 | National Payments Corporation of India (NPCI)                        |
|       5 | NSDL e-Governance Infrastructure Limited (NSDL)                      |
|       6 | Bharti AXALife Insurance Company Limited                             |
|       7 | ICICI Prudential Life Insurance Company Limited                      |
|       8 | Max Life Insurance Company Limited                                   |
|       9 | PNB Metlife India Insurance Company Limited                          |
|      10 | SBI Life Insurance Company Limited                                   |
|      11 | Pramerica Life Insurance Limited                                     |
|      12 | Kotak Mahindra Life Insurance Company Limited                        |
|      13 | Star Union Dai-ichi Life Insurance Company Limited                   |
|      14 | IDBI Federal Life Insurance Company Limited                          |
|      15 | Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited |
|      16 | Royal Sundaram General Insurance Company Limited                     |
|      17 | SBI General Insurance Company Limited                                |
|      18 | HDFC Ergo General Insurance Company Limited                          |
|      19 | Exide Life Insurance Company Limited                                 |
|      20 | HDFC Life Insurance Company Limited                                  |
|      21 | India First Life Insurance Company Limited                           |
|      22 | Future Generali India Life Insurance Company Limited                 |
|      23 | Reliance Nippon Life Insurance Company Limited                       |
|      24 | Aegon Life Insurance Company Limited                                 |
|      25 | Shriram Life Insurance Company Limited                               |
|      26 | Aditya Birla Sun Life Insurance Company Limited                      |
|      27 | Edelweiss Tokio Life Insurance Company Limited                       |

|   28 | Kotak Mahindra General Insurance Company Limited                                  |
|------|-----------------------------------------------------------------------------------|
|   29 | Future Generali India Insurance Company Limited                                   |
|   30 | Acko General Insurance Limited                                                    |
|   31 | Manipal Cigna Health Insurance Company Limited                                    |
|   32 | Religare Health Insurance Company Limited                                         |
|   33 | Aviva Life Insurance Co. India Limited                                            |
|   34 | Bajaj Allianz General Insurance Company Limited                                   |
|   35 | TATAAIA Life Insurance Co Ltd                                                     |
|   36 | Universal Sompo General Insurance Co. Ltd                                         |
|   37 | Max Bupa Health Insurance Company Limited                                         |
|   38 | National Insurance Company Limited                                                |
|   39 | Reliance General Insurance Company Limited (RGICL)                                |
|   40 | Shriram General Insurance Company Limited                                         |
|   41 | Star Health and Allied Insurance Co Ltd.                                          |
|   42 | Edelweiss General Insurance Company Limited                                       |
|   43 | ICICILOMBARD General Insurance Company Limited                                    |
|   44 | IFFCO TOKIO General Insurance Company Limited                                     |
|   45 | Liberty General Insurance Limited                                                 |
|   46 | Aditya Birla Health Insurance Co. Limited                                         |
|   47 | Bharti AXAGeneral Insurance Company Limited                                       |
|   48 | Navi General Insurance Limited (Formerly known as DHFL General Insurance Limited) |
|   49 | Go Digit General Insurance Limited                                                |
|   50 | The Oriental Insurance Company Ltd.                                               |
|   51 | Bombay Stock Exchange Limited                                                     |
|   52 | National Securities Depository Limited                                            |
|   53 | NSE Data and Analytics Limited                                                    |
|   54 | National Stock Exchange of India Limited                                          |
|   55 | CAMSInvestor Services Private Limited                                             |
|   56 | NSDL Database Management Limited                                                  |
|   57 | Central Depository Services (India) Limited                                       |
|   58 | Apollo Munich Health Insurance Company Limited                                    |
|   59 | Cholamandalam MS General Insurance Co Ltd                                         |
|   60 | TATA AIG General Insurance Company Limited                                        |
|   61 | United India Insurance Co. Limited                                                |
|   62 | LIC of India                                                                      |
|   63 | Magma HDI General Insurance Company Limited                                       |
|   64 | Raheja QBE General Insurance Company Limited                                      |
|   65 | Link Intime India Pvt. Ltd.                                                       |

Note: Entities at Sl. No. 1 to 57 have approached UIDAI with request to appoint them as AUA/KUA

## (2) List of private banking companies, as reporting entities under PMLA

| 1     | Abhyudaya Co-operative Bank Ltd                                      |
|-------|----------------------------------------------------------------------|
| 2     | AXIS Bank                                                            |
| 3     | Catholic Syrian Bank                                                 |
| 4     | City Union Bank Limited                                              |
| 5     | DBS Bank India Limited                                               |
| 6     | Deutsche Bank                                                        |
| 7     | Development Credit Bank Limited (DCB Bank Limited)                   |
| 8     | Gopinath Patil Parsik Janata Sahakari Bank Ltd.                      |
| 9     | HDFC Bank                                                            |
| 10    | ICICI Bank                                                           |
| 11    | IDFC First Bank                                                      |
| 12    | IndusInd Bank                                                        |
| 13    | Jammu &Kashmir Bank                                                  |
| 14    | Karnataka Bank Limited                                               |
| 15    | Kotak Mahindra Bank Ltd.                                             |
| 16    | Punjab &Maharashtra Co-operative Bank                                |
| 17    | Ratnakar Bank (RBL Bank Limited)                                     |
| 18    | Shivalik Mercantile Co Operative Bank                                |
| 19    | South Indian Bank Ltd                                                |
| 20    | Standard Chartered Bank                                              |
| 21    | The A.P. Mahesh Co-op Urban Bank Ltd.                                |
| 22    | The Cosmos Co-Op Bank Ltd.                                           |
| 23    | The Federal Bank Ltd                                                 |
| 24    | The Karur Vyasya Bank Limited                                        |
| 25    | The Lakshmi Vilas Bank Limited                                       |
| 26    | The Mehsana Urban Co-Operative Bank Ltd.                             |
| 27    | The Rajasthan State Co-operative Bank Limited                        |
| 28    | The Saraswat Co-operative Bank Ltd.                                  |
| 29    | SVC Co-operative Bank Limited                                        |
| 30    | Thrissur District Cooperative Bank                                   |
| 31    | Yes Bank                                                             |
| 32    | Tamil Nadu Mercantile Bank Ltd.                                      |
| 33    | The Hongkong and Shanghai Banking Corporation Limited, India (HSBC)  |
| 34    | ESAF Small Finance Bank Limited                                      |
| 35    | Airtel Payments Bank Ltd.                                            |
| 36    | Bandhan Bank Limited                                                 |
| 37    | Equitas Small Finance Bank Limited                                   |
| 38    | Paytm Payments Bank Limited                                          |
| 39    | Ujjivan Small Finance Bank Limited                                   |
| 40    | Utkarsh Small Finance Bank Limited                                   |
| 41    | Au Small Finance Bank Limited                                        |
| 42 43 | Suryoday Small Finance Bank Ltd. The Surat People's Co-op. Bank Ltd. |

|   44 | Jio Payments Bank Limited                        |
|------|--------------------------------------------------|
|   45 | NSDL Payments Banks Limited                      |
|   46 | India Post Payments Bank                         |
|   47 | The Maharashtra State Co-operative Bank Limited  |
|   48 | Fino Payments Bank Limited                       |
|   49 | Citi Bank                                        |
|   50 | The Nainital Bank Limited                        |
|   51 | Fincare Small Finance Bank Limited               |
|   52 | Dhanlaxmi Bank Limited                           |
|   53 | Tripura State Co-operative Bank Ltd.             |
|   54 | Jana Small Finance Bank Limited                  |
|   55 | The Tamil Nadu State Apex Co-operative Bank Ltd. |
|   56 | SBM Bank (India) Ltd.                            |

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