15.04.

2017
TO ALL OFFICES

ABFID / FINANCIAL INCLUSION / CIRCULAR NO. 03/2017

Reg : Aadhaar seeding in multiple bank accounts of same customer.

Aadhaar seeding process in our bank is account based, due to which multiple
account of same customer could not be seeded. Aadhaar Seeding in multiple bank
accounts of same customer was a matter of concern for banks as Department of
Financial Services, Ministry of Finance, Govt. Of India had asked the banks to
complete seeding in all savings bank accounts. The matter was referred to IBA by
DFS to arrive at a consensus regarding modalities to seed aadhaar in multiple
account of same customer. IBA convened a meeting of selected banks to finalise the
modalities and it was decided to distinguish the accounts as Primary Account linked
to Aadhaar Mapper or otherwise. It has now been decided that the following status
flags be assigned with Aadhaar in every account.
Status Descriptions Detail Explanation
Flag/Short
Name
PALAM Primary account linked to When customer approaches bank for
aadhaar mapper linking of aadhaar in a particular account,
it is termed primary account and linked to
mapper at NPCI
SALA Secondary account linked Any other account of the same customer
to aadhaar will be linked automatically in CBS and
termed secondary account but not
mapped in NPCI
PASAM Primary account shifted In case customer shifts primary account
in aadhaar mapper to some other bank, his account with PNB
(earlier status PALAM) will become PASAM
NWSA Not willing to seed Those account holders who do not want
aadhaar (customer to seed aadhaar in their account
unwilling to seed
aadhaar)
ANYLA Account not yet linked to Those account holders not having
aadhaar/aadhaar not aadhaar for linking in their accounts
available
ASWCA Aadhaar seeding waiting Those account holders who have entered
consent/authorization ( their aadhaar details through ADC, but
used in aadhaar received pending for demo auth, etc.
from alternate channels)
As such, the menu UIDNUM in CBS has been modified accordingly to incorporate
the above codes during seeding of account. The detailed screen shots are self
explanatory and appended as Annexure A.
The screen shots for excel file to be filled up for generating text file for upload in CBS
through menu UIDUPL is appended as Annexure B.
The purpose of the above is to add all the account numbers of a customer ID for
aadhaar mapping. If a branch has opened any new account on a particular day and it
is not mapped in UIDNUM, it is compulsory to add this account through
UIDNUM for which a report DAYRPT 1/53 (List of account numbers pending for
UIDNUM/UIDUPL) may be generated to fetch the list of account numbers that have
not been added in UIDNUM and the above mentioned process will be followed to
add that account number through UIDNUM/UIDUPL.
All other guidelines regarding aadhaar seeding like obtaining of consent form, etc.
will remain the same. All concerned to note for compliance.

(Dr. B M Padha)
General Manager
 Annexure A
Process Flow for UIDNUM :-
A) For customers willing to map their aadhaar number to the respective account
number.
In the menu option UIDNUM, enter A (To add) and then enter A (For aadhaar customers).
Then enter the customer ID, Primary account number and aadhaar number that need to be
mapped. Press F4 and following screen will appear:

The map flag is by default Y (For availing the benefit of DBT/DBTL subsidy), if the customer
does not want to avail the benefit then put map flag as N.
If map flag is entered as Y then Press F2 to select the status code.

As per the guidelines, if the map flag is Y then only PALAM can be selected as status code.
After entering the status code as PALAM following screen will appear, enter Y to add the
record and press F4.
After adding the record, please verify the same using UIDNUM-V option.

If the map flag is selected as Y and any other status code other than PALAM is being
selected then following message will appear :

If the map flag is entered as N(For not availing the benefit of DBTL subsidy) then after
pressing F4 following message will appear :
When the map flag is N then only SALA can be selected as status code.

If any code other than status code SALA is selected then following message will appear:

Once the record is added with Map flag as N and status code SALA, please verify the same
using UIDNUM V option.
B) For customers NOT willing to map their aadhaar number to the respective account
number.
Go to the menu option UIDNUM, enter A (To add the aadhaar number) then enter N (For
non-aadhaar customers). After entering N, enter the customer ID, Primary account number
Press F4 and following screen will appear:
In the place of AADHAR NO (NON AADHAR CUSTOMER) will appear and the field will be
uneditable. The map flag will be N in case of non-aadhaar customers and it cannot be
modified to Y. In this case the Status code can be either NWSA or ANYLA; if any other
status code is selected then following message will appear:

After selecting NWSA/ANYLA, add the same and verify using UIDNUM-V option.
 Annexure B
The Excel file ( CBS Home Page-> form download->download aadhaar code) where aadhaar data is
to be filled up and text file generated for uploading through menu UIDUPL :-

Cust type denotes whether he is a aadhaar customer or non-aadhaar customer.

Scheme code 1 and scheme code 2 are not to be used and left blank. Scheme code 3 relates to
primary account(Y) or secondary account(N).
Scheme code 4 to be left blank and scheme code 5 denotes the codes as given in the main circular.

Essential validations have been put in place which will pop up while generating the text file. Some
cases are given below for better understanding.

Case I :- If an account is non-aadhaar(N) in Cust Type then it cannot be primary(Y) in scheme code 3
or PALAM/SALA/PASAM/ASWCA in scheme code 5.
Or otherwise If an account is non-aadhaar(N) in Cust Type then it can only be Secondary(N) in
scheme code 3 and NWSA/ANYLA in scheme code 5.

Case II :- If an account is Aadhaar(Y) in Cust Type and Primary(Y) in scheme code 3 then under
scheme code 5 only PALAM can be selected.

Case III :- If an account is Aadhaar(Y) in Cust Type and Secondary(N) in scheme code 3 then under
scheme code 5 only SALA can be selected.