Aadhaar and its regulations are governed by UIDAI. As per UIDAI, Masked Aadhaar refers to redacting the first eight digits of Aadhaar number – in physical or digital form. Regardless of the industry you are in, you will have to mask/redact Aadhaar numbers as per current regulations. For instance, even if you are just a small business taking Aadhaar as proof of identity from employees, the same needs to be masked before filing and storage.
Masked Aadhaar Circulars
You can refer to the following regulations with regards to masked Aadhaar.
UIDAI regulation on Masked Aadhaar dated 23 October 2018: Ordinance Aadhaar Amendment: F.No.13012/171/2018/Legal/UIDAI/114
RBI regulation on Masked Aadhaar: Master Direction – Know Your Customer (KYC) Direction, 2016 (Updated 29 May 2019): RBI/DBR/2015-16/18,Master Direction DBR.AML.BC.No.81/14.01.001/2015-16 AND Amendment to Master Direction (MD) on KYC: RBI/2018-19/190,DBR.AML.BC.No.39/14.01.001/2018-19
IRDAI regulation on Masked Aadhaar dated 29 January 2019: Allowing of Aadhaar Card as one of the acceptable documents for KYC- under certain conditions: Ref: IRDAI/SDD/Cl R/MISC/020/01/2019
SEBI regulation on Masked Aadhaar dated 24 April 2020: Clarification on Know Your Client (KYC) Process and Use of Technology for KYC: Ref: SEBI/HO/MIRSD/DOP/CIR/P/202
Regulatory compliance on Masked Aadhaar
As per regulations, you will have to mask Aadhaar preferably at the point of capture and certainly before storing them permanently in your downstream systems and databases. If you are using services such as Video KYC or IPV/OSV/PIVC to onboard and verify customers, then you must redact the Aadhaar Number from the Aadhaar card shown in the video.
You should not store the full Aadhaar Number in your downstream systems and databases. However, if you have an Aadhaar Vault system, you may store the full Aadhaar Number in your vault and then use a surrogate number in your downstream numbers. This would be same as the solution adopted by the industry to store Credit card numbers.
AI Technology for Masked Aadhaar
In the master KYC directive published by RBI, the regulator recommends the use of AI technologies for such tasks instead of undertaking manual work. We have trained and developed our AI engine and completed over 25 million masked aadhaar images with the highest accuracy in the industry.
We can help you mask aadhaar in three simple ways: We help you mask Aadhaar images you capture from customers using our mobile SDK integrated into your own App (Android and iOS). We help you mask Aadhaar when users upload Aadhaar images as proof of ID on your web or mobile applications using our APIs and finally we help you mask all your historical Aadhaar images through batch jobs as a one-time step in your own servers.
Our masked aadhaar AI engine supports PDF, JPG, PNG, TIFF, BMP, BASE 64, single or multiple pages and rotated images. Furthermore, we support masking images captured as photocopies, colour or greyscale images, front and back images on the same page, and any quality as long as there is an Aadhaar number visible to mask.
How much does Masked Aadhaar cost?
Masked Aadhaar pricing is based on your volumes as they are discounted at large volumes. All our pricing is transparent and provided to you upfront without any hidden fees. You can view your Aadhaar Masking transactions in real time from our dashboard so you know exactly what you are paying for. Please get in touch with us so we can understand your needs and share our pricing and provide you with trial access to try Masked Aadhaar solution before you buy.
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