uid

When I opposed Aadhaar in 2010 , I was called a BJP stooge. In 2016 I am still opposing Aadhaar for the same reasons and I am told I am a Congress die hard. No one wants to see why I oppose Aadhaar as it is too difficult. Plus Aadhaar is FREE so why not get one ? Ram Krishnaswamy

First they ignore you, then they laugh at you, then they fight you, then you win. -Mahatma Gandhi

In matters of conscience, the law of the majority has no place. Mahatma Gandhi

“The invasion of privacy is of no consequence because privacy is not a fundamental right and has no meaning under Article 21. The right to privacy is not a guaranteed under the constitution, because privacy is not a fundamental right.” Article 21 of the Indian constitution refers to the right to life and liberty -Attorney General Mukul Rohatgi

“There is merit in the complaints. You are unwittingly allowing snooping, harassment and commercial exploitation. The information about an individual obtained by the UIDAI while issuing an Aadhaar card shall not be used for any other purpose, save as above, except as may be directed by a court for the purpose of criminal investigation.” -A three judge bench headed by Justice J Chelameswar said in an interim order.

Legal scholar Usha Ramanathan describes UID as an inverse of sunshine laws like the Right to Information. While the RTI makes the state transparent to the citizen, the UID does the inverse: it makes the citizen transparent to the state, she says.

Good idea gone bad
I have written earlier that UID/Aadhaar was a poorly designed, unreliable and expensive solution to the really good idea of providing national identification for over a billion Indians. My petition contends that UID in its current form violates the right to privacy of a citizen, guaranteed under Article 21 of the Constitution. This is because sensitive biometric and demographic information of citizens are with enrolment agencies, registrars and sub-registrars who have no legal liability for any misuse of this data. This petition has opened up the larger discussion on privacy rights for Indians. The current Article 21 interpretation by the Supreme Court was done decades ago, before the advent of internet and today’s technology and all the new privacy challenges that have arisen as a consequence.
Rajeev Chandrasekhar, MP Rajya Sabha

“What is Aadhaar? There is enormous confusion. That Aadhaar will identify people who are entitled for subsidy. No. Aadhaar doesn’t determine who is eligible and who isn’t,” Jairam Ramesh

But Aadhaar has been mythologised during the previous government by its creators into some technology super force that will transform governance in a miraculous manner. I even read an article recently that compared Aadhaar to some revolution and quoted a 1930s historian, Will Durant. Rajeev Chandrasekhar, Rajya Sabha MP

“I know you will say that it is not mandatory. But, it is compulsorily mandatorily voluntary,” Jairam Ramesh, Rajya Saba April 2017.

August 24, 2017: The nine-judge Constitution Bench rules that right to privacy is “intrinsic to life and liberty” and is inherently protected under the various fundamental freedoms enshrined under Part III of the Indian Constitution

"Never doubt that a small group of thoughtful, committed citizens can change the World; indeed it's the only thing that ever has"

“Arguing that you don’t care about the right to privacy because you have nothing to hide is no different than saying you don’t care about free speech because you have nothing to say.” - Edward Snowden

Special

Here is what the Parliament Standing Committee on Finance, which examined the draft N I A Bill said.

1. There is no feasibility study of the project]

2. The project was approved in haste

3. The system has far-reaching consequences for national security

4. The project is directionless with no clarity of purpose

5. It is built on unreliable and untested technology

6. The exercise becomes futile in case the project does not continue beyond the present number of 200 million enrolments

7. There is lack of coordination and difference of views between various departments and ministries of government on the project

Quotes

What was said before the elections:

NPR & UID aiding Aliens – Narendra Modi

"I don't agree to Nandan Nilekeni and his madcap (UID) scheme which he is trying to promote," Senior BJP Leader Yashwant Sinha, Sept 2012

"All we have to show for the hundreds of thousands of crore spent on Aadhar is a Congress ticket for Nilekani" Yashwant Sinha.(27/02/2014)

TV Mohandas Pai, former chief financial officer and head of human resources, tweeted: "selling his soul for power; made his money in the company wedded to meritocracy." Money Life Article

Nilekani’s reporting structure is unprecedented in history; he reports directly to the Prime Minister, thus bypassing all checks and balances in government - Home Minister Chidambaram

To refer to Aadhaar as an anti corruption tool despite overwhelming evidence to the contrary is mystifying. That it is now officially a Rs.50,000 Crores solution searching for an explanation is also without any doubt. -- Statement by Rajeev Chandrasekhar, MP & Member, Standing Committee on Finance

Finance minister P Chidambaram’s statement, in an exit interview to this newspaper, that Aadhaar needs to be re-thought completely is probably the last nail in its coffin. :-) Financial Express

The Rural Development Ministry headed by Jairam Ramesh created a road Block and refused to make Aadhaar mandatory for making wage payment to people enrolled under the world’s largest social security scheme NRGA unless all residents are covered.


Saturday, December 24, 2016

10629 - Dejargoned: Bulk and recurring payments in banking - - Live Mint

Last Modified: Tue, Nov 22 2016. 08 46 AM IST


The Reserve Bank of India (RBI) offers multiple options for these bulk and repititive payments

Vivina Visvanathan

All of us have made and received payments to and from our bank accounts: be it receiving salary at the end of the month, or paying the utility bills. The salary sent by your employer to you and your colleagues is a bulk payment and your utility bill payments that go out of your account every month are recurring payments.
The Reserve Bank of India (RBI) offers multiple options for these bulk and repititive payments. Here is a look at some of the options.

ECS
ECS was introduced in the early 1990s. There are two options—ECS credit and debit.
ECS credit facilitates one-to-many payments such as dividend and salary, whereas ECS debit facilitates many-to-one payments such as utility and systematic investment plan (SIP) payment.
ECS has reduced the banks’ customers dependence on paper cheques. The ECS facility itself has undergone many changes. It started as a local to a regional system and is now a national system. To use this service, say for SIP payments, you have to first inform the bank. ECS can also be used to transfer funds to non-resident external (NRE) and non-resident ordinary (NRO) accounts. There is no transaction limit for ECS. The banks originating this transaction are required to pay a nominal charge of 25 paise per transaction to the clearing house and the destination bank. For consumers, there is no charge for this.

NACH
NACH was introduced in December 2012 by the National Payments Corporation of India (NPCI), an arm of the central bank that handles retail payments. It is a centralised system for bulk and repetitive payments. ECS is slowly being subsumed by NACH.
For instance, mutual funds started using this service for SIPs from May 2016, replacing ECS. To use NACH, you will have to fill up an NACH form.
Once NPCI gets your mandate, it sends the information electronically to your bank. The bank verifies your details, confirms it to NPCI and then the service is activated. As the process is computerised and works on scanned images of the cheque truncation system, the activation should happen faster. Its format is similar to the cheque truncation system.

APBS
APBS was launched in February 2013 by the NPCI. It is used for bulk and repetitive government benefits and subsidy payments. NPCI is responsible for managing this system.
It facilitates operations from Aadhaar-seeded bank accounts, using the biometric authentication. APBS uses Aadhaar number as the central key for electronically channelising the government subsidies and benefits in the Aadhaar-enabled bank accounts.
APBS, as of now, being used by the government departments and agencies for transfer of benefits and subsidies under the direct benefit transfer scheme. The implementation of APBS has led to the conversion of a large number of physical transactions such as cash and cheque to electronic payment transactions.