Nec) carecen rater ATT Fer NPCI/2017-18/NACH/Circular No. 251 October 26, 2017 To AIL NACH member banks Aadhaar seeding - process to be followed for obtaining consent from the customer Refer to our circulars, on the subject, listed below 41, Circular no. 235 dated July 04 2017 on seeding of Aadhaar number to banks. 2. Circular no. 158 dated June 10, 2016 on customer consent mandatory - Aachaar mapper mandate flag”. 3. Circular no. 80 dated Jan 07 2015 on seeding of Aadhaar number to bank accounts. 4, Circular no, 67 dated December 05, 2014 on “New mapper file format” One of the important aspect of Aadhaar seeding is obtaining explicit consent from the customer for receiving subsidy and other credits as per the mapper data. Currently consent {s obtained from the customers in two ways 4. Paper based consent 2. Electronic form Banks are advised to note that as per the mapper design, if more than one bank uploads the Aadhaar number in NPCI mapper, the mapper will hold only the last record updated. For example, an Aadhaar number is updated by bank ‘A’ in NPCI mapper on January 15, 2017 and by Bank ‘8? on December 02, 2017. In this case, the mapper database will show that. and all the transactions will be routed to bank ‘B" Aadhaar number is mapped to bank ‘ only. In order to safeguard the interest of the beneficiaries and to prevent seeding Aadhaar no. without customer authorization, the process of obtaining consent was introduced in the year 2014. Banks should ensure to implement the following check points / validations at the time of obtaining the consent of the customer. 4S 10014, The Capital, 8 Wing, 1th Floor Bandra Kurla Complex, Bandra tE, Munda cOO081, T: +21 22-40009100 F491 22.40009101 vraw.npci.org.in CIN; U74790NsHZ000NPL 189067Nec) saectr erade rrr Po NATIONAL BENS CORFORMTON OF NDA Paper based consent a. Adherence to the standard format. b. This should be a separate form. Banks should not include the consent text in a running booklet or application which may result in customer signing without noticing or be aware of the consent text. c. There should be provision for the customer to explicitly indicate that he/she is agreeing to Aadhaar seeding to the account with the Bank. Apart from signature, the consent form should have provision for the customer to tick indicating he/she has understood the content of the form and implication of executing it. 2. Electronic form ‘a. Adherence to the standard format b. Consent form should be displayed separately and authenticated separately by the customer. The seeding consent text should not be part of overall application authenticated by the customer. cc. The consent form should have ‘NO’ as default option, the customer should be made to tick the check box for “YES" After following the due process for obtaining consent and completing the seeding, bank should proactively communicate to customer confirming seeding and provide the masked ‘account number in which all the future credits will be received. Please note that any unauthorized seeding will lead to the benefits being routed to a different account than the one in which the customer is expecting to receive credits. This will cause undue inconvenience to the customers leading to complaints. All the banks are advised take a note of the above and to ensure strict compliance of the Instyuctions contained herein. (SVP - NACH & CTS Operations) \. jada), Mumbai 600 051. T: 691 22 40009100 F: 691 2269007101 wwrmnpel.orgin ‘om ; u74990yHz000NPLias0a7 10014, The Capital, 8 Wing, 1th Floor, Bandra Kurla ComplFather Aesout Number Ae Annexure 1 APPLICATION FOR LINKING AADHAR NUMBER TOBANK ACCOUNT and CONSENT FOR AADRAAR BASED AUTHENTICATION Te The Broich Manager. Date: ‘Bank “Branch ' so sh pps te tiny ofthe int Hele) Sie ss Abu tora propaned Fisting. bank aceourt arabe, “ths puritans of thy Andou? AD fetter dre ws under: (eiattested copy enclase adhe UID umber Nantes me Manage lc ap Abhaat CaP ma 2.1 hereby sia & ndeniake thut hose na objection ia athentcating maselF with aadhaar Vase Aveta “ystort and norwby give my voluntary: censent us requiaed under the Aadhaar Act 2010 nd Regsfations Samed thereader for soeding my. Aadhage mamber to my Kank secount & 13 peoside my Ademity information (Aadthaas hhumer, bows information a desugrapii information) for Aadhaay based suabensiewion Tor abe purpose of tvsting ofthe hanking serviees including operation of Account & for dslvery of subsiics, bonetits end services 0: any other fei rlating tc banking operations, 5.1 hetehy hve my solumiary coment fn seeing my aor Nombr 1 allay exiting ak asian adc my Cctoner profi, Aeeoum Number ii Accoone Number 2: fi, Aegount member 3 in, Account Numbers 41 Tereby.ouiotse (0 ase my eked Aadhwar cpablod bank aorcunt for ceceiving Government payincen sere3§ schemes that Tan eligible & (or oa eter payment using die Aadhuar based Unfomnarion an€ NPCI siny MAP my trimasiy achat ine Aadhar Mapper of NPC 5. Fk (9 any ame from elow hor NPT Mane fe geting BRT benetiss) 8. Map my aeéaunt no. at NPCI ta enable ote te receive Direct Bene TransterDIT) fram Government of ladia i my above nesoont, [understand Hot Ifmare than one Refit transfer i due fo me, 1 ‘will receive all Benefit Transfers ia this aecount co Tatrony nave au account with anodter baak linked ro Aadhar wad only that will be us ‘and for receiving Direct Honctit Transfer from Coverament of ESA. se NPGL mapper 6.1 furor rags yo egiter my: mobile umber Seats mbit gumibe Besse alo reeher my oma so fy owe scoot number SMC ulerte may be 7.4 have been explained abou te nature oF Snferation Tht may be shared upon suthentigation. 1 have been given 10 cundersoi that wy defurmaa smite 10 me ua herewith shallot be used for am: parpoxe othe thor mentioned! ‘aban, or pr ragvamrns of Fa 1. 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