WELCOME

UID MANAGED BY J & K BANK IN

JAMMU & KASHMIR

Presented By: Mr Zameer Bandh

The Jammu and Kashmir Bank Limited was incorporated on

1st October 1938 and commenced business on 4th July 1939
at Kashmir (India).

The bank is the 1st state owned bank in the country.

According to the extended Central laws of the state, the
J&K bank was defined as a government company as per the
provisions of Indian companies act 1956.
It was declared as A class bank by RBI in1976.

ABOUT THE COLOURED SQUARES:

The three colored squares represent the regions of Jammu,
Kashmir and Ladakh.

The counter-form created by the interaction of the squares

is a falcon with outstretched wings a symbol of power and
empowerment.
Green signifies growth and renewal, blue conveys stability
and unity, and red represents energy and power.

THE UID PROJECT:

Name and logo:
UID project is known as AADHAAR meaning 'support' or 'foundation',
and its logo is a yellow sun with a fingerprint embedded in its centre.
The logo was designed by Atul Sudhakar Rao Pande.
ABOUT UIDAI
The Unique Identification Authority of India (UIDAI), is an agency of

the.

Government

of

India

responsible

for

implementing

the

envisioned AADHAAR a unique identification project in India.

It was established in February 2009, and will own and operate the
Unique Identification Number database.
The authority will aim at providing a unique number to all Indians. The
authority would provide a database of residents containing very simple
data in biometrics

SAILENT FEATURES OF AADHAR:

Aadhaar is a 12-digit unique number which the Unique

Identification Authority of India (UIDAI) will issue for all
residents in India.
The number will be stored in a centralized database and
linked to the basic demographics and biometric information

photograph, ten fingerprints and iris of each individual.

It is easily verifiable in an online, cost-effective way. So
also, it is unique and robust enough to eliminate the large
number of duplicate and fake identities in government and
private databases.

LAUCH OF THE AADHAR:

UIDAI launched AADHAAR program in the tribal village,

Tembhli, in Shahada, Nandurbar, Maharashtra on 29
September 2010. The program was inaugurated by Prime
Minister, Manmohan Singh along with UPA chairperson Sonia
Gandhi. The first resident to receive an AADHAAR was

Rajana Sonawane of Tembhli village.

OBJECTIVES OF MY STUDY

To study the process of UID in Jammu and Kashmir

under Jammu & Kashmir bank and

controlling

system in Jammu and Kashmir.

To study the different advantages of UID in India
and particularly in Jammu & Kashmir.

RESEARCH METHODOLOGY:

Sources of data collection:

Primary as well as secondary methods used.
Sample size:
100 respondents.
Sampling procedure:
Convenient sampling.
Research design:
Descriptive Research.

REVIEW OF LITERATURE:

1] The AADHAR or UIDAI (aka Unique Identification Authority Of India)

API (Application Programming Interface) has been released for
software engineers free of cost. For the uninitiated, UIDAI is Indias
ambitious project to identify every Indian citizen uniquely and provide
them with an identification number which can be used across India to
avail facilities and services. The project is being headed by NANDAN
NILEKANI, former CEO of Infosys Indias leading IT service company
NILEKANIS idea is to accelerate this process by opening the API to
independent

software developers

and

vendors.

Using

this API,

developers will be able to send the UID of a user to the servers and the
server will respond with YES/NO.

Posted by KAUSTUBH KATDARE on June 25, 2011

2] Aadhaar project is UnconstitutionalBy: Gunjan Singh

Gunjan Singh lawyer has written that the congress party is in herby to launch its
project because they don't have any legal permission and the government of
India has to pay attention towards the constitutional of unique identification
project. They are wasting the Indian people money on such project and
government does not care about Indian money and interest of Indian public.
According, to Gunjan Singh even the constitution of India has been totally
neglected by Congress government. He further maintains that Congress
government is taking anti national steps and neither the Indian court nor the

Parliament challenging it.

There is no law for Aadhaar project or unique identification authority of India
(UIDAI) and no is there any scrutiny as by the Indian constitution,
There are so many project are already going on Aadhaar should not start in
hurry.

A LOOK AT HOW THE CARD LOOKS:

Front view

Back Side View

UID AN UNDERTAKING OF J & K BANK IN J & K

Memorandum

of

Understanding

between

the

Unique

Identification

Authority of India and the Government of Jammu and Kashmir for the
implementation of the UID Project.
Jammu and Kashmir bank has selected prominent system integrator and
service provider. Finacle Software for helping the bank in providing unique
numbers to citizens of the country under the government-led Unique
Identification (UID) or the Aadhaar program.
The bank, which is one of the registrars for UID, gave the project to
finacle through a tendering process.
Under the UID program, a unique 16-digit number is being given to each
citizen with a database of individuals containing very simple data in
biometrics.4 digit of branch code +12 digits ,branch code uniquely identifies
a bank is called sol-id and 12 digits identifies every individual.

UID IN JAMMU & KASHMIR UNDER J & K

BANK, ACTS AS A CONTROLLING SYSTEM
This card will effectively check the leakage /corruption in public
subsidy system.
No one will be able to buy or sell property without UID card,
which will not only control the spread of black money in
economy but also increase the tax collection.
The UID cards of Indian citizens, NRIs and foreign nationals will
contain different keywords or marks. The card will meet with
different security concerns, decrees or stop the illegal
immigration, help to identify the terror suspects and other
insurgents, easy identification of criminals etc.

IN KASHMIR UID TO WORK AS DATA SECURITY AND

PROTECTION AGAINST FRAUD.
Even as the UIDAI stores resident information and confirms identity to
authenticating agencies, it will have to ensure the security and privacy
of such information.
By linking an individual's personal, identifying information to a UID, the
UIDAI will be creating a transaction identity for each resident that is
both verified and reliable. This means that the resident's identity will

possess value, and enable the transfer of money and resources.

Since the CIDR will store the biometric of residents, identity

fraud will be easier to control. The only form of fraud that may

go undetected in the UID system is if a person registers his/her

details and biometrics under an entirely different name, with
forged supporting documents.

ADVANTAGES & USES OF UID NUMBER:

Increased efficiency in public spending

To control corruption.
More transparent and efficient voting system
Better Tax payments (long way to go ,though.)
UID to offer banking benefits to poor
UID for monitoring education system
IRDA may use UID number for policyholders

UID can control the unknown property

UID number can be used in schools and collages

FINDINGS OF MY STUDY
The UID is managed by J& K bank in such a sufficient manner, that card
will effectively check the leakage /corruption in public subsidy system.
UID in Jammu & Kashmir under j & k bank, acts as a controlling system

besides that, no one will be able to buy or sell property without UID
card, which will not only control the spread of black money in economy
but also increase the tax collection.
For children, the advantages from the UID would be significant. Childrelated programs in India have relied on often inaccurate, aggregate
data at school/cluster/block levels, making these programs ineffective.
An exact database of children with UIDs would be immensely beneficial
to programs within the women and Child welfare as well as the Education
departments, which track development and progress of children in
government schools, and work to eliminate child labor.

 India will be the first country to implement a biometric-based unique ID

system for its residents on such a large scale. The UID will serve as a
universal proof of identity, allowing residents to prove their identity
anywhere in the country. It will give the government a clear view of
India's population, enabling it to target and deliver services effectively,
achieve greater returns on social investments, and monitor money and
resource flows across the country.
A new report released by the Unique Identification Authority of India
(UIDAI) last week offered to provide millions of poor with easy banking
services in Kashmir especially under j & k bank. It will help in
establishing a microfinance network, with the aim to improve access to
technologies such as mobile phone banking

SUGGESTIONS FROM MY END

The J & K bank should enroll students in the program from the day of their
joining in school.
The J & K bank should open some training centers in different areas to give
proper information about the UID especially to those peoples who are not

aware of UID.
The J& K bank should use highly configured systems to secure database and
should use IT professionals to manage database.
The J & K bank should go for Penal provision of those persons who
intentionally or fraudulently provide wrong information, attempt to obtain
a second unique identity number, steal the identity of any living or dead
person, etc.
The enrolment process for the UID number will begin with a resident
submitting his/her information to the enrolling agency with supporting
documents. J & K bank should verify this information according to the
prescribed verification procedure as per the DDSVP Committee Report.

LIMITATIONS OF MY STUDY

The study was to be completed in a short time; the time

factor put a considerable limit on the scope and the
extensiveness of the study.
Due to the diversity of nature of respondents the findings
of the survey could not be generalized.

Some of the respondents gave ambiguous replies for certain

questions or omitted the responses to some of them. The
interpretation of some responses become difficult and could
generate wrong results.
The survey was conducted only in Anantnag district.

A LOOK AT THE QUESTIONNAIRE

1] Are you aware of the Aadhaar program launched in
the country?
A) Yes
B) NO

Sales
0% 0%

30%

NO
YES

70%

2] The Aadhaar is basically about the UID thing. Can

you tick out its full form?
a)Unique in number
b) unique identification number
c) Universal in number d) universal identification number

10%

23%

9%
unique identification
no

58%

unique in no
universal
identification no

universal in no

3] Which bank will act as a controlling registrar in

Jammu & Kashmir and handle operations of the UID
(Aadhaar) project?
a) ICICI Bank
b) HDFC Bank
c) J & K Bank
d) Axis Bank

14%

37%
18%

J & K Bank
HDFC Bank
ICICI Bank

31%
Axis Bank

4] The UID will be provided by?

a) Unique Identification Authority of India
b) unique identity Auditor
c) Universal identifier of India
d) Govt. Of India

0
10

unique identification
authority of india

20

government of india

50%

20

universal identifier of
india
unique identity auditor

5] The chairperson of the Unique Identification Authority

of India is?
a) Geetika Lakhanpal
b) Rahul Ghandi
c) Nandan Nilekan
d) Sonia Gandhi.
2% 1%

sonia gandhi
32%
nandan nilekan
65%

rahul gandhi
geetika lakhanpal

6] What are the biometric details that will be captured

by UIDAI?
a) Ten fingerprints, iris image and face image.
b) Date of birth, face image.
c) Face image only.
d) Full body image with identification mark

20%

30%

20%

B
30%

C
D

7] The various advantages of the UID will be?

a) Increased efficiency in public spending
b) To control corruption at Govt offices
c) More transparent and efficient voting system
d) Better Tax payments (long way to go, though.)
e) All of the above.

10%
15%
15%

E
60%

B
C
A

8] Which software is used by J & K bank for UID

process?
a) Finacle
b) vakrangee

0 0
20

FINACLE

80
VAKRANGEE

BIBLOGRAPHY
Magazines:

Business network (BNET)

Business Standard
Greater Kashmir
Hindu Business Line

Web sites:

http://www.j&k Bank.org
http://uidai.gov.in/
www.uida.org
http://printfu.org/uida
uidnumber.org/Aadhaar/groups Jammu-and Kashmir/
www.greaterkashmir.com/.../uid-roll-out-in-jk-likely-by-april-68.as
uidai.gov.in/UID_PDF/Front Page Articles/MOU/.../J_And_K_MOU.pdf
www.dailykashmirimages.com/news-jk-bank-signs-mou-with-govt-f.

CONCLUSION
UID managed by j & k bank in Jammu and Kashmir acts as a
controlling system in Kashmir.
State Bank of India, ICICI and Jammu & Kashmir bank Ltd are
likely to be the first companies to gain access to the country's
largest personal identity program initiated by the government,
the Bloomberg reported.

No doubt, that UID cards will bring a huge change in mode of

governance and administration. This one card will serve all
purposes, now people do not need to keep various identification
documents say, ration card, credit, debit cards, driving license,
voter ID card etc. Whether one needs to open a bank account or
verification of a person for a specific purpose, valid security
entrance at a building or establishment, UID card can be used
anywhere, everywhere.

ZAMEER BANDH SAYS