Here’s All You Need To Know About Aadhaar Authentication

Aadhaar

When you apply for an Aadhaar card, you are required to provide demographic and biometric details. Aadhaar authentication is the process of verifying the Aadhaar information. 

The Central Identities Data Repository is a centralised database. It is involved with verifying biometric, demographic and other associated details provided by Aadhaar cardholders. The following sections include a detailed overview of the Aadhaar authentication procedure.

Why Is Aadhaar Authentication Necessary?

There are numerous private and public entities offering products or services to customers, employees or associates. These entities usually need a simple, convenient, reliable and instant authentication process for their operations. 

However, the presence of a series of identification documents often makes it complicated for these agencies to verify and validate each of the documents accurately. But with Aadhaar authentication, the UIDAI has launched reliable method of data verification. 

UIDAI stores the information that is collected during Aadhaar enrolment on a centralised database. Aadhaar authentication enables agencies to carry out different verifications online, thus eliminating the need for offline verifications. 

Also Read: https://navi.com/blog/change-or-update-aadhaar-card-details/ 

How Does Aadhaar Authentication Happen?

UIDAI usually offers the Aadhaar authentication services only when requested by an agency or entity. During the authentication process, an agency will have to send an electronic request for authentication to UIDAI. 

The concerned authority will match the information of a particular individual submitted against the data available on the CIDR database. If the data matches, then UIDAI responds with a ‘yes’. Otherwise, the response is a ‘no’. However, to protect your privacy, no personal data will be provided. 

Moreover, UIDAI will entertain the request for authentication only if it adheres to the laid down regulations and protocols.

Different Methods of Aadhaar Authentication

Through a few simple ways, agencies can easily and promptly carry out an online check of an individual’s details. Here are various modes through which Aadhaar authentication takes place:

OTP-based authentication

A one-time password is a unique code that is valid only for a brief period. You can use it only once for a transaction or for login sessions. Through OTP-based authentication, you can verify and authenticate your identity to avail the Aadhaar-linked services. 

You will have to ask for an OTP through the application or platform of a service provider. Thereafter, you need to provide your Aadhaar number along with the OTP to confirm your identity. 

Demographic authentication

The basic personal details such as name, address, gender, contact information, date of birth, etc., that you provide during Aadhaar enrolment qualify as demographic information. The demographic details are linked with your Aadhaar number. 

During demographic authentication, the demographic details that are connected with your Aadhaar are compared and matched with data stored on CIDR. 

Biometric-based authentication

Biometric authentication enables identifying an individual by assessing one or more biological traits. Such traits include voice waves, DNA, fingerprint, iris pattern, retina and others. 

During this authentication process, your biometric details are compared and matched with the data stored on CIDR. 

Multi-factor authentication

Multi-factor authentication involves a combination of two or more types of authentication methods. Entities can seek a multi-factor authentication process as per their requirements.

Major Benefits of Aadhaar Authentication

Aadhaar verification is a reliable, efficient and highly-convenient alternative to conventional offline verification. It comes with the following advantages:

Validates online transactions or payments

In addition to authenticating for various government-funded subsidies or services, Aadhaar authentication is crucial for allowing online payments. Aadhaar enables verifying financial transactions made through UPI-based mobile apps. 

The Indian Government launched the BHIM app that requires Aadhaar authentication to validate payments among customers and merchants. 

Identifies beneficiaries

One of the most significant purposes of Aadhaar details authentication is to identify deserving candidates for a particular service. Through this process, concerned service providers can verify and identify customers. This reduces fraudulent activities and thus helps in saving government resources. 

Helps in providing better security

Aadhaar authentication is also often used to regulate access to high-security areas, for example, airports. Individuals can enter restricted areas only after identity verification. 

For verifying address

Aadhaar and e-Aadhaar act as valid address proof documents. You can use this document while applying for a passport, taking a new mobile connection, gas connection, availing any type of credits or subsidies and more. Aadhaar authentication will help in streamlining your application for any of these services.

Also Read: https://navi.com/blog/guide-to-apply-for-aadhar-card/ 

Final Word

Interestingly, CIDR is efficient enough to handle lakhs of Aadhaar authentication requests. Given its speed, accuracy and reliability, Aadhaar authentication is indeed one of the most useful ways to verify the information of an individual. 

Frequently Asked Questions

Before you go…

• Looking for instant 🚀 personal loans 24*7 anywhere, anytime? Get personal loans up to ₹20 lakh starting at 9.9% p.a. Install the Navi app now!!
• Or, maybe you’re looking to buy that house you’ve been eyeing 🏠 and you need a loan of up to ₹5 crore. Install the Navi app now and get instant in-principle approval right away! Interest rates starting at 7.89% p.a.
• How about an affordable health insurance policy👨‍⚕️ starting at a monthly premium of just ₹235? Install the Navi app now and get your policy in under 2 minutes.
• Instead, want to put your savings into action and kick-start your investment journey 💸 But don’t have time to do research. Invest now with Navi Nifty 50 Index Fund, sit back, and earn from the top 50 companies.

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.

This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.

Aadhaar Enrolment Centres in Your City