my talk at Seamless Asia 2019, Singapore demonstrating how India has transformed into a Digitally Inclusive nation and positive impacts in the lives of people living in Rural India.

1. Rural Inclusivity of
ABHISHEK RANJAN
Chief Technology Officer, CSC EGOV
Seamless Asia
June 2019
Digital ID

2. India’s Geography
Location types
7 large metro city, 65 cities, approx. 700
towns and 668 thousand villages
Mobile
More than 1 billion mobile subscribers are
now active
Population – 1.34 billion
As per records the current population is 1.34
billion in the year 2019 of which 33.5% live in
urban areas while 66.5% in rural locations.
48.2%
51.8%
Female
Male
Bank Accounts
20 million above 15 years are unbanked,
recently 336 million were introduced into
formal banking system between 2015-
2018
Urban
452 million.
233 million Males
219 million Females
Rural
897 million.
463 million Males
434 million Females

3. Paper IDs
Passport
Accepted globally trust on the genuine
print and doc similarly the currency
Electronic Photo ID Card
Issued by the Election commission of India
entitles one to Vote.
Driving License
Allows one to drive vehicles
Photo Pensioner Card
Issued to one who is enrolled as a
pensioner.
PAN Card
Permanent account number used for filing
income tax returns in India.
Job Cards
NREGA job card issued to rural folks
registered under the employment scheme
Common paper based ID issued & used in India.
Arms License
Issued to one who would require to keep
firearms in possession.
Ration Card
Used for availing food subsidy and other
related services

4. ID Challenges
Common challenges faced by rural citizens in usage of paper based ID including issues related to viability as well as issuance of such ID.
1
2
3 5
4
Enrolment
Cumbersome
registration and issuance
process with delays
Acceptance
Widespread usage and
consistently not
acceptable across
Digitization
Verification Security
ID data is not available in
digitized form, mostly
recorded & issued on
paper
Physical documents
prone to damage, theft,
loss or duplication &
impersonation
Lack of standardised
mechanism for
document verification

5. What is a Digital ID?
A digital ID is the electronic equivalent of an individual's identity card. A digital
ID can be presented electronically to prove an individual's identity and their
right to access information or services online.
Non Repudiable
assurance that someone cannot
deny something
Unique & Secure
de-duplicated before issuance and
secure for usage
Verification & Reliability
authenticate ID holder online &
electronically.

6. Digital ID
Portable
nationwide portability as it can be authenticated
anywhere on-line, millions of Indians migrate from
one state to another or from rural area to urban
Secure
number is a random number devoid of any
intelligence
E-KYC
Online electronic know your customer to facilitate
registrations and resident info validation.
Financial Address
Bank accounts linked with Aadhaar becomes your
financial address for use in financial transactions
Welfare Scheme
Entitles for seamless benefits under state run social
welfare schemes like PDS, Scholarships.
Unique
achieved through the process of demographic and
biometric de-duplication
Direct Benefit Transfer
Aadhaar can be used to get benefits for popular
welfare programs be transferred to linked bank
account.
To empower residents of India with a unique identity and a digital platform to authenticate anytime , anywhere
Scalable
UID architecture is open and scalable. Resident’s data
is stored centrally and authentication can be done
online from anywhere

7. Aadhaar Events
2010
2012
2016
2019
2012
20 million Aadhaar were issued by
September 2012.
Online verification of Aadhaar
was also launched.
2019
Over 1.20 billion Aadhaar have been
issued till date.
30 billion authentications done till
date.
2016
1 billion Aadhaar was issued in April 2016.
The Aadhaar Act was also notified.
2009 - 2010
UIDAI was formally started, with policy drafts, field
tests initiated to build the worlds largest identity
platform in the year July 2009, while the first Aadhaar
was delivered in September 2010.

8. Aadhaar Enrolment
Enrolment
To enrol in Aadhaar you would
require to visit the nearest
Aadhaar centre.
Review & Submission
The enrolment data and your
consent will be read out and
accordingly you will be handed
over with an acknowledgement
citing your Enrolment number.
Biometric
Bio data will be captured along
with the demographic including
10 fingerprints, 2 Iris & Face
Data & Documents
Minimum data would be asked
and pre-listed documents to help
you complete your Aadhaar
enrolment

9. Aadhaar Authentication
Authentication
authentication is the process wherein the
UID, VID or UID Token along with other
attributes can be verified with
information available at CIDR. The
authentication service responds with a
yes/no only.
E-KYC
resident authorizes UIDAI post Aadhaar authentication to provide their basic
demographic data for POI & POA along with photograph to service provider.
facilitates complete paperless KYC experience and helps avoid repeated KYC,
reduces paper handling, storage and risk of handling forged document.
digital online verification platform that enables residents to prove their identity & confirm who they say they are

10. Authentication Statistics
E-KYC
over 7 billion transactions
AUTHENTICATION
over 30.6 billion transactions
Demographic
over 7.5 billion transactions
Biometric Fingerprint
over 21.5 billion transactions
Biometric Iris
over 598 million transactions
OTP
over 719 million transactions
MALE
51.6%
FEMALE
48.3%
2015
2019
550
million
30
billion
Daily Average of 28 million
authentications and 2 million e-KYC

11. Digital India
flagship programme launched by the Government of India to ensure service delivery to citizens electronically
initiative includes plans to connect rural areas with
high-speed internet networks
the development of secure & stable digital infrastructure,
delivering govt. services digitally, and universal digital literacy
CONNECTIVITY
Broadband
Mobile
Public Internet
E-GOVERNANCE
Government systems,
databases to be build
online
SERVICES
Government services
to be delivered
electronically &
systems be made
transparent
MANUFACTURING
Facilitate electronics
manufacturing to foster
reduced imports
CAPACITY
Increase job opportunities,
setup facilities for early
incubation of prospective
systems for digital
operations

12. JAM Mission
JAN DHAN YOJANA
190
million
168
million
358 million
212 million in rural
146 million in urban
18 % higher in
rural location.
AADHAAR
600
million
638
million
1.24 billion
797 million in rural
442 million in urban
18 yrs+
5-18 yrs
0-5 yrs
73%
23.2
%3.7%
183
million
838
million
1.02 billion subscribers
458 million in rural
563 million in urban
500 million Aadhaar
linked subscribers
MOBILE

13. Digital Payments
empowers a bank customer to use Aadhaar to
access Aadhaar enabled bank account 24x7
Facilitates cash withdrawal, cash deposit, balance
enquiry, mini statements & fund transfer.
payments made using digital instruments, the payer and the payee, both use electronic modes to send and receive money
Aadhaar Enabled Payment System is a bank led model
which allows online interoperable financial inclusion
transaction of any bank using the Aadhaar authentication
Aadhaar Payment Bridge central key for electronically
channelizing the Government subsidies and benefits in
the Aadhaar Enabled Bank Accounts of the beneficiaries
transfers benefits & subsidies in a seamless &
timely manner and directly into the Aadhaar linked
Bank Account.

14. Digital Signature
Secure Service
the signature is done on backend by trusted service
providers licensed as Certifying Authority, enhance
security and prevent misuse Private keys are created
on HSM and destroyed immediately after use
Flexible & Easy
configurable authentication options to verify the
identity of the signer and enables users easy access to
legally valid Digital Signature service
Tax Return
Tax returns require them to be digitally signed and
submitted.
Respects Privacy
ensures the privacy of the signer by requiring that
only the thumbprint (hash) of the document be
submitted for signature function
G2C Services
Largely for services which require some or the other
form of signed documents to be submitted.
electronic signature service is an innovative initiative for allowing easy, efficient, and secure signing of electronic documents
E-Sign uses Aadhaar authentication for real time paperless
KYC for issuance of a DSC electronically
process includes signer consent, Certificate issuance
request, Digital Signature creation & affixing as well as
Certificate acceptance in accordance to IT Act
over 70 million eSign done
Government Applications, Banks,
Lending etc.

15. PMG Disha
unique initiative for digital literacy in rural India under the Digital India Programme, which will train 60 million citizens
objective of the scheme is to empower citizens by
training them to operate computers or digital access
devices like tablets and smart phones
target to reach 40% of the rural households by
covering one member from every eligible household,
while in 2014 only 6% of rural households were on-
boarded
52%
48%
Female
Male
60 million targeted
22.9 million covered
Digital Payments increased by
16% in rural locations
CSC Centres
171 thousand VLEs
Certifications Daily
34 thousand examinations
2017 2019
11.7 million registered
& 5.8 million certified
9.91 million registered & 6.69
million certified

16. Ayushman Bharat
aims to provide health protection cover to poor and vulnerable families against financial risk arising out of catastrophic health episodes
provides financial protection (health insurance) to
poor, deprived rural families & identified occupational
categories of urban worker families with
a benefit cover of 500 thousand per family.
covers medical & hospitalization expenses for almost all
secondary care and most of tertiary care procedures
1,350 packages covering surgery, medical & day care
treatments including medicines, diagnostics are defined
107 million families
80.3 million in rural
23.3 million in urban
Health Centres
over 16 thousand centres
Beneficiaries
over 37.4 million cards issued
Treatments
over 2.9 million treated
2018 2019
3.9 million registered
and 0.6 million treated
33.5 million registered
and 2.3 million treated

17. ShramYogi Mandhan
aims at providing pension support for unorganized workers across the country
pension scheme for the unorganized workers to
ensure old age protection for subscribers
workers engaged as home based workers, street
vendors, landless labourers, agricultural workers with
monthly income up to 15 thousand of age group 18-40
years
400 million workers
266 million in rural
134 million in urban
Benefits
over 120 billion estimated
Contributions
over 363 million submitted
Age
over 1.69 million in 26-35 yrs
54%
46%
Female
Male
1 2
1.64 million females
& 1.42 million males
3 million registered & 1.68
million in rural locations

18. Direct Benefits
Governance regime to ensure a simple and user-friendly G2P interface and directly deliver entitlements
re-engineer the existing cumbersome delivery
processes using modern technology to transfer
benefits directly to beneficiary accounts preferably
Aadhaar seeded
Electronic transfer of benefits, minimizes levels
involved in benefit flow, reduced delay in payments,
accurate targeting of beneficiaries as well as in curbing
pilferage & duplication
53.4%
46.6%
Female
Male
beneficiaries
458 million in rural
563 million in urban
2017 2018
APB
39.1% through Aadhaar
439 schemes with savings of
1.4 trillion in funds
232 million people
104 billion worth benefits
273.5 million Aadhaar seeded
590 million beneficiary
133 million bank accounts linked
Transfers
39 billion in 2019 & up to 7.4
trillion till date

19. Fasal BimaYojana
government sponsored crop insurance service for farmers for their yields. One nation one scheme
PMFBY aims to provide a comprehensive insurance
cover against failure of the crop thus helping in
stabilizing the income of the farmers
aims to reduce the premium burden on farmers and
ensure early settlement of crop assurance claim for the
full insured sum, uniform premium of 2% for farmers
2016 2017
40.2 million farmers
1.3 trillion sum assured
34.7 million farmers &
1.2 trillion sum assured
Aadhaar Based
over 6.9 million registrations
Claims Processed
over 880 million
Land Covered
over 90 million Hectares

20. Common Service Centre
mission mode project under Digital India created as frontend access points for service delivery across the nation
physical facilities for delivering Government of India
e-Services to rural and remote locations where
availability of computers and Internet was negligible
or mostly absent
delivery of essential public utility services, social
welfare schemes, healthcare, financial, education and
agriculture services, apart from host of B2C services to
citizens in rural and remote areas of the country
Aadhaar Authentication
300 million transactions
DigiPay
84.4 million banking transactions
Economic Survey
0.9 million enumerators
2015 2019
100 thousand kiosks
28 million e-transactions
378 thousand active kiosks
172 million e-transactions
Aadhaar
192 million enrolment
Ayushman Bharat
25 million registrations
PMG Disha
22.9 million registrations
Insurance
1.2 million new insurance
PM-SYM
3 million enrolment
PAN Cards
7.2 million applications

21. Have Questions

22. Thank You
Rural Inclusivity of Digital ID
Abhishek Ranjan