NPCI to introduce BASE i.e Bharat Aadhaar Seeding Enabler

NPCI to introduce BASE i.e Bharat Aadhaar Seeding Enabler

              NPCI - NACH Team has released a document informing to public at large on the launch of BASE

              The full form of BASE is Bharat Aadhaar Seeding Enabler

              Government’s Direct Benefit Transfer runs on Aadhaar Numbers. Citizens Aadhaar Numbers have to be seeded into specific bank accounts. In turn, that information should flow to NPCI Mapper. Over the years, substantial amounts have been routed through DBT channel to the end beneficiaries.

The DBT Channel has routed Rs.6,30,264/- Crores via 717 crores transactions in FY 2021-22 . The number keeps on increasing every month.

To further enhance customer satisfaction, NPCI has come out with BASE.

              The objectives of this new facility by NPCI is to: -

Objective 01) Enable citizens to check Aadhaar seeding status

Objective 02) Enable citizens to do Aadhaar seeding

Objective 03) Enable citizens to do Aadhaar deseeding

Objective 04) Enable citizens to move Aadhaar seeding from one Bank to another Bank

 

Aadhaar Seeding in NPCI Mapper is a two-step process

Step 01) The respective Aadhaar must be linked to a specific Bank Account Number

Step 02) The specific bank should send that information to NPCI Mapper

Both steps are necessary for seamless delivery of Government Benefits to one’s bank account via the respective entity and NPCI

 

Step 2 is not possible without Step 1

Step 1 is incomplete if Step 2 is not done.

To reduce the TAT around Aadhaar seeding / deseeding, NPCI has come up with BASE

Customers can refer the NPCI FAQs for better clarity @ https://www.npci.org.in/what-we-do/nach/faqs/customers

 

Q: When is the Go Live Date?

Ans: The Go Live is not mentioned in the document. As the go-live process involves multiple integrations between various IT Systems, hoping that BASE goes live in the next couple of months.

The Benefits of BASE are: -

Benefit 01) Reduce dependence on the banks staff

Benefit 02) Be aware of their latest Aadhaar Seeding status

Benefit 03) Reduce the TAT for Aadhaar seeding in NPCI Mapper

Benefit 04) Use of Digital Tools to enhance customer satisfaction.

 

Read the complete NPCI Circular @ https://www.npci.org.in/what-we-do/nach/circulars

Circular No 3 – Bharat Aadhaar Seeding Enabler (BASE)

 

Disclaimer: These are my personal views only. The bottom line is Safe ePayments. Nothing More – Nothing Less.

 

 

Andhra Bank – Aadhaar Seeding – Ways and Means

            Apart from the usual Branch channel, Andhra Bank customers can seed their Bank Account with Aadhaar Number via the alternate channels mode.

The following channels are available to submit AADHAAR seeding request:

Internet Banking: This is available Only for Retail Internet Banking Customer’s.

• Customer has to login to Internet Banking using his/her User ID and Password.
• Click on the link in the home page “Registration of Aadhaar Number in Internet Banking “.
• Enter and confirm the 12 digit Aadhaar number in the respective fields.
• Select the Savings account for which Aadhaar number is to be linked.
• To know the status about Linking and Rejection of Aadhaar number click on "Inquiry"

Andhra Bank ATMs:

• Customer to inserts ATM/Debit card in any Andhra Bank ATM and selects AADHAAR registration option available under Services category.
• ATM will prompt the customer to enter AADHAAR number twice.
• On completion, customer will receive receipt of seeding the request.

Using SMS:

• This facility is enabled only for Andhra Bank customer’s registered for mobile alerts.
• Customer to send an SMS to the 56161 the AADHAAR request as per below format. The syntax for sending the SMS is given below :
• AADHAAR 15 digit Bank Account Number 12 digit AADHAAR Number where "AADHAAR" is the keyword for sending the message.

 On successful linking / delinking of AADHAAR number to the customer account though any channel, an SMS alert will be sent to the customer’s registered mobile number with the Bank.

It is to be noted that Aadhaar Seeding Request’s will be processed by Andhra Bank subject to satisfactory verification of AADHAAR credential.

NPCI adopts Verhoeff Algorithm for validation of Aadhaar Numbers

NPCI adopts Verhoeff Algorithm for validation of Aadhaar Numbers

          The NPCI Aadhaar Seeder is the bridge connecting the Government Departments and the Bank Account Holders for receipt various Government subsidies, scholarships etc.

          Due to the LPG subsidy rollout program in the last couple of months, the number of Aadhaar numbers being seeded in Bank Accounts and NPCI Database has zoomed up drastically.

          It might be noted that Aadhaar is just another number, if the Biometrics validation of the Resident is not done.

          At present, basing on the Aadhaar Number Card, the seeding is done on Bank accounts or with LPG companies. The actual biometric validation has not yet commenced.

          Hence, it becomes still more important to capture the correct Aadhaar number.

          Recognizing that the Aadhaar number will be manually keyed in numerous occasions, UIDAI had adopted the Verhoeff Algorithm method, to minimize data-entry mistakes.

          The Algorithm logic is in public domain. However, computation cannot be done manually, and only computer programs are capable of validating a number in the Verhoeff Algorithm method.

          NPCI vide its circular dt. July 09, 2013, advised all banks which are part of the NACH-APB system to implement the Verhoeff Algorithm in their systems to validate Aadhaar numbers before seeding the same in customer accounts. If this is not done, any invalid Aadhaar number will be rejected by NPCI mapper with the reason, ‘Invalid Aadhaar No_ Verhoeff Checksum validation failed’.