Showing posts with label aadhaar. Show all posts
Showing posts with label aadhaar. Show all posts

Wednesday, August 23, 2017

Aadhaar and Bank Account

AADHAAR and BANK ACCOUNT

Aadhaar Seeding/Linking with Bank Account

If Bank Account is Seeded/Linked to Aadhaar - it facilitates credit of various Govt. sponsored subsidy/benefit schemes such as DBT, MGNREGA directly in Bank accounts through Aadhaar Payment Bridge System (APBS).

Aadhaar Updation in Bank Account

If Aadhaar is updated in Bank Account -  Aadhaar Number is updated only in Bank records and cannot be used for receiving credits of Govt. sponsored subsidy/benefit schemes.

Moral of the Story

You should Seed/Link Aadhaar to only One Bank Account where you want to receive Govt Subsidy/Benefit/Pension etc.

However - You may Update Aadhaar in all your Bank Accounts

(Above based on information recieved from my Bank)

Friday, November 21, 2014

IMMIGRATION – THRESHOLD LIMITS FOR DEMOGRAPHIC BALANCE AND SOCIAL EQUILIBRIUM – FLOCK THEORY OF MIGRATION

IMMIGRATION
THRESHOLD LIMITS FOR DEMOGRAPHIC BALANCE AND SOCIAL EQUILIBRIUM
Musings on THE FLOCK THEORY OF MIGRATION
By
VIKRAM KARVE

From my Blog Archives:

Immigration is a contentious issue.

Immigration can be legal and illegal.

Yes, for a variety of reasons, people migrate to other countries, both legally and illegally.

Is Migration good? 

Or is it bad? 

What are the consequences of immigration for the host country? 

Excessive immigration can cause demographic imbalance which may disturb social equilibrium.
When the number of immigrants becomes large, then in a democracy, the immigrants can influence the outcome of elections by becoming a “vote bank”. 


Immigration can be legal and illegal.


I have observed that for many bright youngsters in India, their cardinal objective in life is to migrate to America, get a Green Card, followed by US Citizenship, and permanently live in the USA all their lives and realize their American Dream. 

All over the world, people from less developed countries migrate to better developed countries, legally and illegally.

A few years ago I had written an article on The Flock Theory of Migration

Since the topic of “immigration” is back in the news, I thought it would be apt to post this article below, once again, for you to read. 

FLOCK THEORY OF MIGRATION – Food for Thought by Vikram Karve

BIRD-WATCHING – FLOCK OF MIGRATORY BIRDS

Long back, me and my friend, a Bird-Watcher, a self-styled ornithologist, were observing birds 

(I am referring to the “winged” variety of birds)

We saw a huge a flock of migratory birds flying in the sky.

It was a fascinating sight to see the flock of birds flying in perfect formation.

I mentioned this to my friend who then told me about the “flock theory” of migration.

He told me that sometimes different kinds of birds that do not belong to the original flock also join the flock and fly along.

The birds in the flock allow these “outsider” birds to fly along with the flock as long as they do not disturb the pattern, movement, flight speed and direction (course) of the flock.

When the number of “immigrant” birds is small, these “outsider” birds quietly assimilate themselves into the flock, obey the rules of the flock and do not disturb the harmony of the flock.

Sometimes the number of these “immigrant” birds increases to a sizeable proportion and they may disturb the harmony of the flock, if these “outsider” birds try to assert themselves.

These “foreigner” birds may even try to control the flock by trying to dominate and alter the flight pattern.

This disturbance in harmony and attempt at domination is not tolerated by the main flock of birds, and violent clashes break out as the main flock of birds tries to remove the “immigrant” birds from the flock – yes, the original birds in the flock try to throw out the “foreigner” birds out of the flock.


HUMAN MIGRATION

I think a similar hypothesis applies to human migration too.

When you migrate to another country (or when you relocate within your country to another state or city) you must remember this flock theory of migration.

Try to assimilate yourself into your new “host” country or city and acclimatize yourself to the way of life of your new place of residence.

You must mix around and interact with the local inhabitants and imbibe the indigenous culture of your new abode.

You must not “ghettoize” yourself by forming tightly-knit inward-looking groups of your own community but you must embrace the culture of your new land (after all, it is you who have chosen to migrate there).

Always remember that you are the foreigner in their land – you are the “guest” and they are your “hosts” – and a guest must never attempt to dominate the host and try to make the host a guest in his own country.

Yes, if you are an immigrant in another country, it is best to conduct yourself as a “guest” and adopt to the culture of your “hosts” rather than try to dominate and impose your culture on your “hosts”.

A large number of my relatives, classmates and friends have migrated to America and have lived there for many years.

However, I find that they mostly mingle among the Indian community (even language and state wise), as is evident from the photos they show us.

When I ask them why they do not have any American friends, they have no credible answer except saying that they do have such friendships, but at the workplace only.

However their children, born and brought up in the USA, have friendships, relationships and even marriages with resident Americans – in fact, Americans now comprise so many types and varieties of ethnicity 

Since over the years, so many persons from all parts of the world have migrated to the USA for a better life and now America has become the melting pot of diverse cultures.

The flock theory applies to all types of migration.


TYPES OF MIGRATION

Immigrants migrate due to a variety of reasons.

Some immigrants “choose” to migrate and willingly accept the majority culture of their host nation and are seamlessly assimilated and integrated into the existing society of their “hosts”.

Some immigrants are forced to migrate, due to a variety of reasons, including political and socio-economic imperatives, for education, or for reasons of safety and security arising from instability or warlike conditions in their homeland. 

These forced migrants are like “refugees”.

These “forced migrants” are less amenable to assimilating themselves with the majority population.

It is these “forced immigrants” who ghettoize themselves into communities and try to maintain their own distinct identity by refusing the absorb the culture of their new land.

Sometimes the numbers of such “refugee” forced immigrants may increase to a point where the immigrants may alter the demographic balance and try to impose their will on their hosts.

It is then that the “flock theory” will apply and a conflict will start and there will be a struggle for dominance.

When migration takes place, both the “hosts” (natives) and the “guests” (migrants) must remember the Flock Theory and ensure that cultural harmony is maintained and the demographic balance is not upset.


THRESHOLD LIMITS FOR MIGRATION – TO MAINTAIN DEMOGRAPHIC EQUILIBRIUM

My “bird-watcher” friend gave a ballpark figure of 30% when I asked him what was the flock theory threshold beyond which the harmony of the flock is disturbed.

Applying the same threshold to human migration, this tells us that the “hosts” must ensure that “guests” (immigrants) do not exceed 30% of the population, otherwise the “demographic equilibrium” gets disturbed.

Yes, in order to avoid social turbulence, migrants must not be allowed to exceed 30% of the population.

If this is allowed to happen and the 30% barrier is broken, and the number of immigrants keeps on increasing in an unabated manner two things may happen:

1. The migrants will become a sizeable proportion of the population and alter the demographic balance (and become a “votebank”). In a democracy, this may give the migrants undue power in governance and this loss of power to “outsiders” will be resented by the original inhabitants.

2. The “cultural visibility” of the migrants will become starkly evident and the original local residents will feel threatened and become insecure in their own land. Owing to their dominance, the migrants may try to impose their own ethnic, religious and social customs and try to change the original culture of the land and this cultural invasion will be resented by the original inhabitants.

The “flock theory” phenomenon is akin to the manner in which the harmony of the “flock” is disturbed and the original birds feel jeopardized because they fear that their “flock” will be being taken over by “outsider” birds.

The flock theory of migration teaches us the lesson that if migration is not controlled within acceptable limits, due to clash of cultures and a sense of insecurity, a stage will come when the migrants will not be welcome anymore and this will create dissonance and discord in society. 

This is because no one likes to be dominated by “outsiders” who try to impose their culture on the local inhabitants.

Remember: No “host” likes to be turned into a “guest” in his own home

Dear Reader:

Do you agree with the “flock theory of migration”?

Do you feel there should be threshold limits to immigration to avoid demographic equilibrium being disturbed?

Please comment and let us know your views.

VIKRAM KARVE
Copyright © Vikram Karve 
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Disclaimer:
All stories in this blog are a work of fiction. Events, Places, Settings and Incidents narrated in the story are a figment of my imagination. The characters do not exist and are purely imaginary. Any resemblance to persons, living or dead, is purely coincidental.

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Wednesday, November 5, 2014

AADHAAR – Enrolled Twice But Still Waiting For My Aadhaar Card

AADHAAR – Enrolled Twice But Still Waiting For My Aadhaar Card

If the new Government is serious about Aadhaar it needs to revamp UIDAI and make it accountable.

Here is my Aadhaar Story – I enrolled twice for my Aadhaar Card and on both occasions UIDAI bungled in data processing.

Despite repeated complaints for the past two years, there has been I have not received a satisfactory resolution from UIDAI and my Aadhaar Card has still not been delivered to me.

I am a Military Veteran, a citizen of India, with bonafide antecedents, but UIDAI refuses to give me a Aadhaar Card, whereas I have seen media reports of Aadhaar Cards being issued to illegal immigrants and foreigners who are not citizens of India.

The lackadaisical attitude of UIDAI pains me – maybe UIDAI feels it is not accountable to anyone.

I wrote this blog post in January 2014.

I am posting it once more for your perusal.

I want an Aadhaar Card.

I have made repeated efforts to get an Aadhaar Card.

I have enrolled, I have re-enrolled – but till today I have not received my Aadhaar Card.

My numerous complaints have not been satisfactorily resolved by the UIDAI.

Let me tell about my efforts to get an Aadhaar Card.


FIRST AADHAAR ENROLMENT

I first enrolled for Aadhaar on 08 February 2012 (08/02/2012).

The enrolment centre was located in a leading IT Software Company in Pune and Enrolment Agency was “Tera Software Ltd”

There was a big rush and I had to wait for more than 3 hours in a queue before I was enrolled.

I was issued an acknowledgement receipt with an enrolment number.

I did not receive my Aadhaar Card for over 6 months despite repeated reminders from my side.

On checking Aadhaar Status on the UIDAI website, the status would show: “Your Aadhaar Number is under generation”.

Suddenly, 10 months after enrolment, in November 2012, the status said: “Your Aadhaar enrolment could not be processed due to data process error. Please re-enroll yourself at the nearest enrolment centre”


SECOND AADHAAR RE - ENROLMENT

Accordingly, I re-enrolled myself for Aadhaar for a second time on 10 December 2012 (10/12/2012).

The Enrolment Centre was located in IDBI Bank Hinjewadi Pune and the Enrolment Agency was “Sreeven Infocom Limited”.

I explained to the lady enroller that my first Aadhaar enrolment had failed due to data process error and asked her to be extra careful and ensure that my data was collected properly.

The enroller took due care and confirmed to me that my biometric details had been recorded perfectly.

She also cross-checked my documents of Proof of Identity (PAN Card), Proof of Address (Electricity Bill in my name) and even took a Date of Birth proof document from me and attached photocopies of all these documents to the form which she was forwarding.

She assured me that I would receive my Aadhaar Card within 3 months.

I was issued an acknowledgement receipt with an enrolment number.

This time the Aadhaar enrolment acknowledgement form had additional comments like “Good Fingerprint Quality”, “Biometrics Captured Fingers (10) Iris (2) Face” etc.

I eagerly waited for my Aadhaar card.

Unfortunately, exactly the same sequence of events happened as had taken place during the first Aadhaar Enrolment.

For the first few months the status report said: “Your Aadhaar Number is under generation”.

After more than 6 months had elapsed, the Aadhaar status said: “Your Aadhaar enrolment could not be processed due to data process error. Please re-enroll yourself at the nearest enrolment centre”

Why was “data process error” occurring again and again?

What exactly are these “data processing errors” which were happening more than 6 months after enrolment?

I sent emails to UIDAI ( E-Mail id: help@uidai.gov.in ) and filled up online grievance redressal form, but I did not receive satisfactory response from UIDAI, and my case remains unresolved.

It seemed that things were moving in a circle and I was destined not to get an Aadhaar Card.


APATHETIC GRIEVANCE REDRESSAL SYSTEM OF UIDAI

It has been my experience that the UIDAI Grievance Redressal Mechanism is totally ineffective.

Since I am keen to get an Aadhaar Card and I do not want the same “data process error” to happen again and again, I made a number of complaints by email / helpline but did not receive any satisfactory response.

The only response to my complaints and grievances I received was a call from the UIDAI Mumbai Office that I should re-enroll once again (for the third time) and try my luck.

I asked the official: “This time can you please guarantee that that there will be no “data processing errors” and can you assure me that I will receive my Aadhaar Card?”

He laughed it off, saying: “Who can guarantee anything? The whole enrolment process has been outsourced to private companies. You re-enroll once more and try your luck. If your Aadhaar generation fails again, you keep trying again and again.”

This reply from UIDAI left me bewildered. I did not know whether to laugh or cry.

A few days ago, I discussed my Aadhaar woes with a friend of mine, who said matter-of-factly, “You have spent all your life in uniform serving in the Defence Services, so you don’t know anything about the outside world. In India, you cannot get anything done unless you pay a bribe.”

I was aghast.

“Do you have to pay a bribe for an Aadhaar Card?”

At first I did not believe my friend.

But then I read a news report that an Aadhaar enroller had been caught taking bribes for making Aadhaar Cards. 

What is worse, media has reported many such Aadhaar Scams where if you paid bribes you could get an Aadhaar Card made even without the necessary documents:





If corruption is rampant in the Aadhaar Enrolment System, it is no wonder that even illegal immigrants who are not citizens of India are being issued Aadhaar Cards, as frequent news reports say:





DO YOU HAVE TO PAY A BRIBE TO GET AADHAAR CARD?

The Government keeps saying that Aadhaar Card is voluntary.

But in actual fact they are making it compulsory by making Aadhaar mandatory for LPG subsidized cylinders and other requirements.

A retired defence officer told me that soon veteran armed forces ex-servicemen of the army navy and air force will not be able to avail medical treatment under ECHS unless they had an Aadhaar Card.

The more they make anything compulsory, the more the scope for corruption.

Will the virus of corruption infect the UIDAI Aadhaar System too?

The UIDAI was headed by Mr. Nandan Nilekani, a distinguished technocrat who has achieved outstanding success in the IT Industry (at the time of writing this article).

My repeated efforts at obtaining an Aadhaar Card in an honest manner have failed, so let me ask UIDAI a simple question: “Do I have to pay a bribe to get an Aadhaar Card?”

Now that the UIDAI is headless, I want to ask the same question to the new government?

Or will the UIDAI send me my Aadhaar Card at the earliest?

Sometimes I laugh at the irony of our system:

A Military Veteran, who is a bonafide citizen of India with impeccable antecedents, and who has served the nation in uniform for his entire career life, is denied an Aadhaar Card, while media reports that large numbers of illegal immigrants who are not citizens of India are being issued Aadhaar Cards

I do not know whether to laugh or cry at our system of governance.

Please give me “Aadhaar”  ...

Wednesday, March 26, 2014

AADHAAR CORRUPTION – A NATIONAL SECURITY RISK

You must have seen recent news reports of a sting operation which showed that the much-hyped Aadhaar card is available for a payment even to illegal migrants from Pakistan and Bangladesh (according to a sting operation by investigative website Cobrapost)

Please click the links below to read details (websites will open in a new window):

EXPOSING THE UNDERBELLY OF AADHAAR - A COBRAPOST INVESTIGATION

http://www.cobrapost.com/index.php/news-detail?nid=5773&cid=23

The Times of India Report - ILLEGAL IMMIGRANTS CAN “BUY” AADHAAR FOR Rs. 500

http://timesofindia.indiatimes.com/india/Illegal-immigrants-can-buy-Aadhaar-for-Rs-500-Sting-operation/articleshow/32624851.cms


Media reports indicate that a huge number of illegal immigrants have infiltrated into India over the years and even managed to drastically change the demographics in certain border areas and even managed to enter the interiors of India and settle down permanently.

This sizable number of illegal migrants have managed to enter and settle down in India (and probably continue to do so) because:

1. Negligent Border Police (BSF) allows illegal migrants to enter India.

2. Unscrupulous Politicians facilitate their settling down in order to make these illegal immigrants a “Vote Bank”.

3. Corrupt Officials issue illegal migrants with Aadhaar Cards, Voter Cards, Ration Cards etc which enables illegal immigrants to acquire Indian Citizenship.

Do these illegal immigrants owe allegiance to India?

Are these illegal migrants patriotic to India?

Is it not possible that there may be many undesirable and even anti-national elements among these illegal immigrants?

Is illegal immigration not a grave risk to national security?

Are all those who facilitate illegal immigration not committing anti-national acts?

Six months ago (in September 2013) I had written a post on “SECURITY IMPLICATIONS OF ISSUING AADHAAR CARDS TO ILLEGAL IMMIGRANTS”

I thought that I should post it once more in the light of recent reports of fraudulent issue of Aadhaar Cards to illegal immigrants mentioned above.

One of the reasons why India is considered a “Soft State” is due our lack of security consciousness, as is evident from the loose implementation of the Aadhaar Scheme.

We are already paying a heavy price for our lackadaisical approach to security issues.

It is the patriotic duty of UIDAI to take immediate corrective action to ensure that illegal immigrants, many of whom may be inimical to our national interest, do not fraudulently exploit and take undue advantage of the Aadhaar Scheme which is meant for Indian Citizens.

AADHAAR FIASCO  
SECURITY IMPLICATIONS OF ISSUING AADHAAR CARDS TO ILLEGAL IMMIGRANTS 
Musings
By
VIKRAM KARVE 

ARE AADHAAR CARDS BEING ISSUED TO ILLEGAL IMMIGRANTS?

Yesterday, the media reported that the Supreme Court had asked the government not to issue Aadhaar Cards to illegal immigrants.


It has been reported in the media that the Supreme Court said that Aadhaar can only be issued to those with proven Indian nationality. 

The Supreme Court frowned upon the unique identity numbers being issued without verifying the antecedents of individuals and said that if anyone applies for Aadhaar Card, then you have to verify whether he is a citizen of India or not and directed that Aadhaar Cards cannot be issued to illegal migrants.


I wonder why the Supreme Court had to issue such a directive.

Does the need for such a directive imply that Aadhaar Cards were being issued to illegal immigrants who are not citizens of India?

If Aadhaar Cards have been issued to illegal immigrants, is this not a huge security lapse?

Because, using their Aadhaar Cards, illegal immigrants can:

1. Open Bank Accounts using their Aadhaar Cards. They can use the bank passbook a Proof of Identity (POI) and Proof of Address (POA).

2. Obtain various official documents using their Aadhaar Cards like Ration Cards, Voter ID Cards, PAN, Driving License etc which serve as Proof of Identity (POI) and Proof of Address (POA).

Using the above Proof of Identity (POI) and Proof of Address (POA) documents, an illegal immigrant can obtain an Indian Passport and become a citizen of India.

I hope there is no proposal to give Passports based on Aadhaar Cards, as this will make it even easier for illegal immigrants to become citizens of India.

Did the powers-that-be not anticipate the security implications of giving Aadhaar to non-citizens and illegal immigrants?


INTRODUCER SYSTEM OF ENROLMENT FOR AADHAAR

There is a glaring loophole in the Aadhaar enrolment system called “introducer system” which facilitates illegal immigrants to easily obtain Aadhaar Cards.

Citizens of India are required to furnish documentary proofs for establishing Proof of Identity (POI) and Proof of Address (POA) at the time of enrolment for Aadhaar.

On the other hand, illegal immigrants can take recourse to the “introducer system” where they can be “introduced” for an Aadhaar number by an “introducer”. Thus, illegal immigrants are not required to furnish any Proof of Identity (POI) or Proof of Address (POA) documents.

The requirements to be an introducer are quite vague and loosely defined.

You need not be a government officer to become an “introducer”.

Any local “influencer” can become an “introducer”.

This is huge security risk – whereas government employees can be held accountable for lapses and wrongdoings, can any action be taken against “introducers” who fraudulently facilitate illegal immigrants to get Aadhaar Cards?

Making it easy for illegal immigrants, which may include undesirable anti-national and anti-social elements, to get Aadhaar Cards is thus fraught with serious implications for our national security.

Media has reported from time to time that illegal immigrants have been found with Aadhaar Cards:


However, I wonder what corrective action has been taken by UIDAI to ensure that illegal immigrants are not enrolled for Aadhaar.

Also, has any action been taken to cancel the Aadhaar Cards of illegal immigrants?

Why is it that UIDAI did not realize the security implications of making Aadhaar accessible to illegal immigrants?

Who is responsible for these security lapses and is any action being taken to punish the guilty culprits?

It has required the intervention of the Supreme Court to direct the UIDAI to correct this serious lapse which has implications on our national security.

In addition to the security risk, issuing Aadhaar cards to illegal immigrants will enable them to fraudulently benefit from various Direct Benefit Transfer (DBT) schemes which are meant for Indian Citizens and these subsidies are funded by the Indian Tax Payer.

Why should Indian taxpayers pay for the welfare of illegal immigrants?


WAY AHEAD – CORRECTIVE ACTION

1. Firstly, the “introducer” system of Aadhaar enrolment must be immediately stopped. 

Aadhaar must be issued only after proper verification of Proof of Identity (POI) and Proof of Address (POA) as per the prescribed documents.

2. Secondly, UIDAI must immediately cancel all Aadhaar Cards issued under the “introducer” system. 

All these persons must be asked to re-enroll for Aadhaar with proper verification of POI and POA.

3. Thirdly, UIDAI must stop outsourcing of Aadhaar enrolment work to private agencies. 

In view of the national security implications, Aadhaar enrolment must be handled by government agencies who can be held accountable.

4. Finally, POI and POA scrutiny and re-verification of all Aadhaar Cards issued so far may have to carried out in order to detect and weed out Aadhaar Cards fraudulently issued to illegal immigrants


SECURITY CONSCIOUSNESS

One of the reasons why India is considered a “Soft State” is due our lack of security consciousness, as is evident from the loose implementation of the Aadhaar Scheme.

We are already paying a heavy price for our lackadaisical approach to security issues.

It is the patriotic duty of UIDAI to take immediate corrective action to ensure that illegal immigrants, many of whom may be inimical to our national interest, do not fraudulently exploit and take undue advantage of the Aadhaar Scheme which is meant for Indian Citizens.