Lok Sabha Question No. 3432 (UNSTARRED), answered on 2023-08-09
Subject: Use of e-KYC Authentication Services
Ministry: ELECTRONICS AND INFORMATION TECHNOLOGY
Asked by: Imtiaz Jaleel Syed

## GOVERNMENT OF INDIA MINISTRY OF ELECTRONICS AND INFORMATION TECHNOLOGY

## LOK SABHA

## UNSTARRED QUESTION NO. 3432

TO BE ANSWERED ON 09.08.2023

## USE OF E-KYC AUTHENTICATION SERVICES

## 3432.    SHRI SYED IMTIAZ JALEEL:

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

- (a)  the  details  of  Government  organisations  which  are  authorised  to  use  e-KYC  authentication services of UIDAI under various Acts and rules;
- (b) the list of private firms requesting for access to e-KYC authentication services of UIDAI under various Acts and rules;
- (c) whether the UIDAI conducted security audits of these entities before the access to e-KYC was provided and if so, the details thereof; and
- (d)  whether  the  Government  has  taken  precautions  for  the  safety  of  Aadhaar  data  before  it  is shared with private firms?

## ANSWER

## MINISTER OF STATE FOR  ELECTRONICS AND INFORMATION TECHNOLOGY (SHRI RAJEEV CHANDRASEKHAR)

- (a): The Unique Identification Authority of India provides digital identity (Aadhaar) and digital ID authentication  services  to  all  the  residents  of  India.  Aadhaar  authentication  (including  e-KYC authentication) by entities is provided for in sections 4 and 7 of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016 ('Aadhaar Act').

e-KYC User Agencies (KUAs) appointed by the Unique Identification Authority of India (UIDAI) are allowed to perform eKYC authentication. A KUA may appoint sub-KUAs under them after obtaining specific permission from UIDAI for sharing of eKYC data with its sub-KUAs.

At present,  92  government entities  are  KUAs and 27 government entities are operating  as subKUAs. List of the same is at Annexure I.

- (b): Private entities are allowed to use Aadhaar authentication under the provisions of other Acts of  Parliament,  such  as  the  Prevention  of  Money  Laundering  Act,  2002,  the  Information Technology  Act,  2000  and  the  Indian  Telegraph  Act,  1885.  At  present,  90  private  entities  are operating  as  KUAs  and  24  private  entities  are  operating  as  sub-KUAs.  List  of  the  same  is  at Annexure II.

(c) and (d): KUAs are initially on-boarded in pre-production environment. They are required to get their systems, applications and operations audited by an Information Security Auditor empanelled by  the  Indian  Computer  Emergency  Response  Team  (CERT-In),  and  the  Information  Security Audit report is  examined by UIDAI. KUAs are moved into production environment ( i.e. ,  made live) only after the Information Security Audit report is found to be as per satisfaction of UIDAI.

Further,  the  Aadhaar  Act  provides  that  requesting  entities  shall  ensure  the  security  of  identity information as well as restriction on sharing information and take all necessary measures to ensure that  information  in  their  possession  or  control  is  secured  and  protected  against  access  not permitted  under  the  Act  or  regulations  made  thereunder.  It  also  provides  for  penalties  for  noncompliance with the provisions of the Act.

*******

## Annexure-I

## Government Organizations using e-KYC services of Aadhaar

|   S. No. | Organization Name                                                        | Organisation Type   |
|----------|--------------------------------------------------------------------------|---------------------|
|        1 | APTOnline Limited                                                        | State Government    |
|        2 | Bharat Sanchar Nigam Limited (BSNL)                                      | Central Government  |
|        3 | Centre for Development of Advanced Computing (CDAC)                      | Central Government  |
|        4 | Centre of e-Governance, Govt. of Karnataka                               | State Government    |
|        5 | Chattisgarh Infotech &Biotech Promotion Society (CHIPS)                  | State Government    |
|        6 | CSC e-Governance Services india limited                                  | Central Government  |
|        7 | Department of Electronics& Information Technology, Government of Haryana | State Government    |
|        8 | Department of Science and Technology, Govt. of Gujarat                   | State Government    |
|        9 | Directorate of Income Tax                                                | Central Government  |
|       10 | DIT, Govt. Of Jharkhand                                                  | State Government    |
|       11 | Department of Information Technology &Communication, Govt. of Rajasthan  | State Government    |
|       12 | Employees' Provident Fund Organization (EPFO)                            | Central Government  |
|       13 | Department of Food, Civil Supply and Consumer Affairs, Govt. of Punjab   | State Government    |
|       14 | Goods and Services Tax Network (GSTN)                                    | Central Government  |
|       15 | DIT, Government of Himachal Pradesh                                      | State Government    |
|       16 | ITE &CDeptt., Govt. of Andhra Pradesh                                    | State Government    |
|       17 | Kerala State Information Technology Mission (KSITM)                      | State Government    |
|       18 | M.P. Madhya Kshetra Vidyut Vitaran Co. Ltd.                              | State Government    |
|       19 | Madhya Pradesh State Electronics Development Corporation (MPSEDC)        | State Government    |
|       20 | National Informatics Centre (NIC)                                        | Central Government  |

|   S. No. | Organization Name                                                                        | Organisation Type                                   |
|----------|------------------------------------------------------------------------------------------|-----------------------------------------------------|
|       21 | National Payments Corporation of India (NPCI)                                            | Central Government                                  |
|       22 | Odisha Computer Application center                                                       | State Government                                    |
|       23 | Railtel Corporation of India Ltd.                                                        | Central Government                                  |
|       24 | Directorate of Information Technology, Govt. of Maharashtra (SETU), Govt. of Maharashtra | State Government                                    |
|       25 | Tamil Nadu e-Governance Agency, Government of Tamil Nadu                                 | State Government                                    |
|       26 | UTI Infrastructure Technology And Services Limited                                       | Central Government                                  |
|       27 | Department of Fertilizar, Govt. of India                                                 | Central Government                                  |
|       28 | Department of Information Technology , Govt. of Bihar                                    | State Government                                    |
|       29 | Hindustan Petroleum Corporation Limited                                                  | Central Government                                  |
|       30 | Education Department, Govt. of Karnataka                                                 | State Government                                    |
|       31 | Bharat Petroleum Corporation Limited                                                     | Central Government                                  |
|       32 | Indian Oil Corporation Ltd                                                               | Central Government                                  |
|       33 | National Skill Development Corporation                                                   | Central Government                                  |
|       34 | Telangana State Technology Services Limited                                              | State Government                                    |
|       35 | Centralized Processing Cell (TDS)                                                        | Central Government                                  |
|       36 | Shreetron India Limited                                                                  | State Government                                    |
|       37 | Government e Marketplace Special purpose vehicle, Ministry of Commerce &Industry         | Central Government                                  |
|       38 | Small Industries Development Bank of India (SIDBI)                                       | Central Government                                  |
|       39 | National Health Authority                                                                | Central Government                                  |
|       40 | Ministry of Labour and Employment, Govt. of India                                        | Central Government                                  |
|       41 | Online PSB Loans Limited                                                                 | On behalf of Department of Financial Services (DFS) |

| Regional Rural Banks   | Regional Rural Banks                   |
|------------------------|----------------------------------------|
| S. No.                 | Organization Name                      |
| 1                      | Andhra Pradesh Grameen Vikas Bank      |
| 2                      | Andhra Pragathi Grameena Bank          |
| 3                      | Assam Gramin Bank                      |
| 4                      | Bangiya Gramin Vikash Bank             |
| 5                      | Baroda Gujarat Gramin Bank             |
| 6                      | Baroda Rajasthan Kshetriya Gramin Bank |
| 7                      | Baroda Uttar Pradesh Gramin Bank       |
| 8                      | Chaitanya Godavari Grameena Bank       |
| 9                      | Chattisgarh Rajya Gramin Bank          |
| 10                     | Aryavart Bank                          |
| 11                     | Himachal Pradesh Gramin Bank           |
| 12                     | Karnataka Vikas Grameena Bank          |
| 13                     | Kerala Gramin Bank                     |
| 14                     | Dakshina Bihar Gramin Bank             |
| 15                     | Madhyanchal Gramin Bank                |
| 16                     | Maharashtra Gramin Bank                |
| 17                     | Manipur Rural Bank                     |
| 18                     | Meghalaya Rural Bank                   |
| 19                     | Madhya Pradesh Gramin Bank             |
| 20                     | Odisha Gramya Bank                     |
| 21                     | Tamil Nadu Grama Bank                  |
| 22                     | Paschim Banga Gramin Bank              |
| 23                     | Karnataka Gramin Bank                  |
| 24                     | Punjab Gramin Bank                     |
| 25                     | Rajasthan Marudhara Gramin Bank        |
| 26                     | Saptagiri Grameena Bank                |
| 27                     | Sarva Haryana Gramin Bank              |
| 28                     | Prathama UP Gramin Bank                |
| 29                     | Saurashtra Gramin Bank                 |
| 30                     | Telangana Grameena Bank                |
| 31                     | Tripura Gramin Bank                    |
| 32                     | Utkal Grameena Bank                    |
| 33                     | Uttar Bihar Gramin Bank                |
| 34                     | Uttarakhand Gramin Bank                |
| 35                     | Uttarbanga Kshetriya Gramin Bank       |
| 36                     | Jharkhand Rajya Gramin Bank            |
| 37                     | Vidharbha Konkan Gramin Bank           |
| 38                     | J &KGrameen Bank                       |

| Public Sector Bank   | Public Sector Bank         |
|----------------------|----------------------------|
| S. No.               | Organization Name          |
| 1                    | Bank of Baroda             |
| 2                    | Bank of India              |
| 3                    | Bank of Maharashtra        |
| 4                    | Canara Bank                |
| 5                    | Central Bank of India      |
| 6                    | IDBI Bank                  |
| 7                    | Indian Bank                |
| 8                    | Indian Overseas Bank       |
| 9                    | Punjab and Sind Bank       |
| 10                   | Punjab National Bank (PNB) |
| 11                   | State Bank of India        |
| 12                   | UCO Bank                   |
| 13                   | Union Bank of India        |

| Central and State Government Sub-KUAs   | Central and State Government Sub-KUAs                                                    |
|-----------------------------------------|------------------------------------------------------------------------------------------|
| S.N.                                    | Sub-AUA/KUA Name                                                                         |
| 1                                       | Khadi and Village Industries Commission (KVIC)                                           |
| 2                                       | Registration Department, Jammu &Kashmir                                                  |
| 3                                       | Employees' State Insurance Corporation                                                   |
| 4                                       | Office of the Central Registrar of Cooperative Societies (CRCS), Ministry of Cooperation |
| 5                                       | Punjab Building &Other Construction Worker Welfare Board (BOCWWB)                        |
| 6                                       | Dr. YSR Aarogyasri Health Care Trust                                                     |
| 7                                       | Urban Administration and Development Department                                          |
| 8                                       | School Education Department, M.P                                                         |
| 9                                       | Professional Examination Board (PEB)                                                     |
| 10                                      | Directorate of Institutional Finance, GoMP                                               |
| 11                                      | Directorate of Agriculture Engineering                                                   |
| 12                                      | MP State Rural Livelihoods Mission (MPSRLM)                                              |
| 13                                      | Navodaya Vidyalya Samiti (NVS)                                                           |
| 14                                      | Indian Army, Ministry of Defence                                                         |
| 15                                      | Social Welfare Department, Uttar Pradesh                                                 |
| 16                                      | Backward Class Welfare Department, U.P                                                   |
| 17                                      | Uttar Pradesh Building and Other Construction Workers Welfare Board                      |
| 18                                      | Uttar Pradesh Skill Development Mission, Dept. of U.P Govt.                              |
| 19                                      | Agriculture Department, Uttar Pradesh                                                    |
| 20                                      | Department of Ayush, U.P                                                                 |
| 21                                      | Commissioner ESD, Govt. of Telangana                                                     |
| 22                                      | Stree Nidhi Credit Cooperative Federation Limited                                        |
| 23                                      | Telangana Building &Other Construction Workers Welfare Board (TBOCWWB)                   |
| 24                                      | Aarogyasri Health Care Trust                                                             |
| 25                                      | MSME                                                                                     |
| 26                                      | National Scholarship Portal                                                              |
| 27                                      | Stamp and Registration Dept, Govt. of UP                                                 |

## List of Private Entities under Section 4(4)(b)(i) of Aadhaar Act, 2016

## (i) Section 11A of Prevention of Money Laundering Act, 2002

|   S. No. | Organization Name                               | Category          |
|----------|-------------------------------------------------|-------------------|
|        1 | CDSL Ventures Ltd. (CVL)                        | Regulated by SEBI |
|        2 | Computer Age Management Services Limited (CAMS) | Regulated by SEBI |
|        3 | NSDL Database Management Limited (NDML)         | Regulated by SEBI |
|        4 | Bajaj Allianz Life Insurance Company Limited    | Regulated by IRDA |
|        5 | Bharti AXALife Insurance Company Limited        | Regulated by IRDA |
|        6 | ICICI Prudential Life Insurance Company Limited | Regulated by IRDA |
|        7 | Ageas Federal Life Insurance Company Limited    | Regulated by IRDA |
|        8 | Kotak Mahindra Life Insurance Company Limited   | Regulated by IRDA |
|        9 | Max Life Insurance Company Limited              | Regulated by IRDA |
|       10 | PNB Metlife India Insurance Company Limited     | Regulated by IRDA |
|       11 | SBI Life Insurance Co Ltd                       | Regulated by IRDA |
|       12 | TATA AIA Life Insurance Company Limited         | Regulated by IRDA |
|       13 | Pramerica Life Insurance Limited                | Regulated by IRDA |
|       14 | Canara HSBC Life Insurance Co. Ltd.             | Regulated by IRDA |
|       15 | Star Union Dai-ichi Life Insurance Company Ltd. | Regulated by IRDA |
|       16 | Shriram Life Insurance Company Limited          | Regulated by IRDA |
|       17 | Royal Sundaram General Insurance Co. Limited    | Regulated by IRDA |
|       18 | Bajaj Finance Ltd.                              | Regulated by RBI  |
|       19 | Smart Payment Solutions Pvt. Ltd                | Regulated by RBI  |
|       20 | Phonepe Private Limited                         | Regulated by RBI  |
|       21 | SBI Cards &Payments Services Ltd.               | Regulated by RBI  |
|       22 | Krazybee Services Private Limited               | Regulated by RBI  |
|       23 | LivQuik Technology (India) Private Limited      | Regulated by RBI  |
|       24 | Asirvad Micro Finance Limited                   | Regulated by RBI  |

(ii) The Indian Telegraph Act, 1885

|   S. No. | Organization Name             | Category          |
|----------|-------------------------------|-------------------|
|        1 | Bharti Airtel Limited         | Regulated by TRAI |
|        2 | Vodafone Idea Limited         | Regulated by TRAI |
|        3 | Reliance Jio Infocomm Limited | Regulated by TRAI |

## (iii) Information Technology Act, 2000

|   S. No. | Organization Name                           | Category         |
|----------|---------------------------------------------|------------------|
|        1 | eMudhra Limited                             | Regulated by CCA |
|        2 | Protean eGov Technologies Limited           | Regulated by CCA |
|        3 | Capricorn Identity Services Private Limited | Regulated by CCA |
|        4 | Verasys Technologies Pvt. Ltd.              | Regulated by CCA |
|        5 | QCID Technologies Pvt Ltd                   | Regulated by CCA |
|        6 | Pantagon Sign Securities Private Limited    | Regulated by CCA |

## Annexure-II

| Co-Operative Banks   | Co-Operative Banks                               |
|----------------------|--------------------------------------------------|
| S. No.               | Organization Name                                |
| 1                    | Abhyudaya Co-operative Bank Ltd                  |
| 2                    | Gopinath Patil Parsik Janata Sahakari Bank Ltd.  |
| 3                    | Unity Small Finance Bank Limited                 |
| 4                    | The Cosmos Co-Op Bank Ltd.                       |
| 5                    | The Mehsana Urban Co-Operative Bank Ltd.         |
| 6                    | The Odisha State Cooperative Bank Ltd            |
| 7                    | The Rajasthan State Co-operative Bank Limited    |
| 8                    | The Saraswat Co-operative Bank Ltd.              |
| 9                    | SVC Co-operative Bank Limited                    |
| 10                   | Kerala State Cooperative Bank Ltd.               |
| 11                   | The Gayatri Co-operative Urban Bank Ltd.         |
| 12                   | The Surat People's Co-op. Bank Ltd.              |
| 13                   | The Maharashtra State Co-operative Bank Limited  |
| 14                   | Uttar Pradesh Co-operative Bank Ltd.             |
| 15                   | Tripura State Co-operative Bank Ltd.             |
| 16                   | The Tamil Nadu State Apex Co-operative Bank Ltd. |

| Foreign Banks Licensed by RBI to operate in India   | Foreign Banks Licensed by RBI to operate in India                   |
|-----------------------------------------------------|---------------------------------------------------------------------|
| S. No.                                              | Organization Name                                                   |
| 1                                                   | DBS Bank India Limited                                              |
| 2                                                   | Deutsche Bank                                                       |
| 3                                                   | Standard Chartered Bank                                             |
| 4                                                   | The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) |
| 5                                                   | Citi Bank                                                           |

## Small Finance Bank

|   S. No. | Organization Name                   |
|----------|-------------------------------------|
|        1 | Shivalik Small Finance Bank Limited |
|        2 | ESAF Small Finance Bank Limited     |
|        3 | Equitas Small Finance Bank Limited  |
|        4 | Ujjivan Small Finance Bank Limited  |
|        5 | Utkarsh Small Finance Bank Limited  |
|        6 | Au Small Finance Bank Limited       |
|        7 | Suryoday Small Finance Bank Ltd.    |
|        8 | Fincare Small Finance Bank Limited  |
|        9 | Jana Small Finance Bank Limited     |

| Payment Banks   | Payment Banks               |
|-----------------|-----------------------------|
| S. No.          | Organization Name           |
| 1               | Airtel Payments Bank Ltd.   |
| 2               | Paytm Payments Bank Limited |
| 3               | Jio Payments Bank Limited   |
| 4               | NSDL Payments Banks Limited |
| 5               | India Post Payments Bank    |
| 6               | Fino Payments Bank Limited  |

## Private Banks

|   S. No. | Organization Name                |
|----------|----------------------------------|
|        1 | AXIS Bank                        |
|        2 | Catholic Syrian Bank             |
|        3 | City Union Bank Limited          |
|        4 | DCB Bank Limited                 |
|        5 | HDFC Bank                        |
|        6 | ICICI Bank                       |
|        7 | IDFC First Bank Limited          |
|        8 | IndusInd Bank                    |
|        9 | Jammu &Kashmir Bank              |
|       10 | Karnataka Bank Limited           |
|       11 | Kotak Mahindra Bank Ltd.         |
|       12 | Ratnakar Bank (RBL Bank Limited) |
|       13 | South Indian Bank Ltd            |
|       14 | The Federal Bank Ltd             |
|       15 | The Karur Vyasya Bank Limited    |
|       16 | Yes Bank Limited                 |
|       17 | Tamil Nadu Mercantile Bank Ltd.  |
|       18 | Bandhan Bank Limited             |
|       19 | The Nainital Bank Limited        |
|       20 | Dhanlaxmi Bank Limited           |
|       21 | SBM Bank (India) Ltd.            |

| Banks under Section 11 A of PMLA Act, 2002   | Banks under Section 11 A of PMLA Act, 2002           |
|----------------------------------------------|------------------------------------------------------|
| S.N.                                         | Sub-KUA Name                                         |
| 1                                            | Coimbatore District Central Co-operative Bank        |
| 2                                            | Nilgiris District Central Co-operative Bank          |
| 3                                            | Vellore District Central Co-operative Bank           |
| 4                                            | Angul United Central Cooperative Bank Ltd.           |
| 5                                            | Aska Cooperative Central Bank Ltd.                   |
| 6                                            | Balangir Disctrict Central Cooperative Bank Ltd.     |
| 7                                            | Balasore-Bhadrak Central Cooperative Bank Ltd.       |
| 8                                            | Banki Central cooperative Bank Ltd.                  |
| 9                                            | Berhampore Cooperative Central Bank Ltd.             |
| 10                                           | Bhawanipatna Central Cooperative Bank Ltd.           |
| 11                                           | Cuttack Central Cooperative Bank Ltd.                |
| 12                                           | Keonjhar Central Cooperative Bank Ltd.               |
| 13                                           | Khordha Central Cooperative Bank Ltd.                |
| 14                                           | Koraput Central Cooperative Bank Ltd.                |
| 15                                           | Mayurbhanj Central Cooperative Bank Ltd.             |
| 16                                           | Nayagarh District Central Cooperative Bank Ltd.      |
| 17                                           | Sambalpur District Cooperative Central Bank Ltd.     |
| 18                                           | Sundargarh District Central Cooperative Bank Limited |
| 19                                           | United Puri Nimapara Central Cooperative Bank Ltd.   |
| 20                                           | Boudh Cooperative Central Bank Ltd.                  |

| RBI Regulated Entities   | RBI Regulated Entities          |
|--------------------------|---------------------------------|
| S.N.                     | Sub-KUA Name                    |
| 1                        | Ambit Finvest Private Limited   |
| 2                        | Satya Microcapital Limited      |
| 3                        | Adi Chitragupta Finance Limited |
| 4                        | Upmove Capital Private Limited  |

*******