{"id":3046,"date":"2018-05-29T12:04:50","date_gmt":"2018-05-29T12:04:50","guid":{"rendered":"https:\/\/signdesk.com\/?p=3046"},"modified":"2025-09-17T07:04:22","modified_gmt":"2025-09-17T12:34:22","slug":"uidai-latest-steps-solve-aadhaar-security-concern","status":"publish","type":"post","link":"https:\/\/melento.ai\/en-in\/blog\/uidai-latest-steps-solve-aadhaar-security-concern","title":{"rendered":"UIDAI&#8217;s Latest Steps To Solve Aadhaar Related Security Concern"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The Unique Identification Authority of India (UIDAI) stated in a circular that it has classified AUAs (and KUAs, wherever it\u2019s applicable) into two categories namely Global AUAs and Local AUAs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is being done to ensure the security of Aadhaar numbers. The <\/span><a href=\"https:\/\/uidai.gov.in\/images\/resource\/Circular_No_05_of_2008_Classification_22052018.pdf\" target=\"_blank\" rel=\"nofollow, noopener\"><span style=\"font-weight: 400;\">circular also clarified<\/span><\/a><span style=\"font-weight: 400;\"> that Virtual ID and UID Token can be used instead of Aadhaar number in most cases as they are aliases of the 12-digit unique identity number.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Only Global AUAs will have access to full e-KYC along with Aadhaar numbers whereas Local AUAs will have access to Limited e-KYC and will not be permitted to store Aadhaar numbers.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3049 size-full\" src=\"https:\/\/melento.ai\/en-in\/blog\/wp-content\/uploads\/2018\/05\/UIDAIs-Latest-Steps-To-Solve-Aadhaar-Related-Security-Concern-01.jpg\" alt=\"UIDAIs Latest Steps To Solve Aadhaar Related Security Concern\" width=\"2917\" height=\"1458\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Categorizing of AUAs Leads to Enhanced Security of Aadhaar Numbers<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As of now, residents are required to share their Aadhaar number in order to authenticate their identity so as to avail various services.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the implementation of VID or Virtual ID, an Aadhaar holder need not share their Aadhaar number at the time of authentication of identity while availing a service.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The provision of one\u2019s <\/span><a href=\"https:\/\/melento.ai\/en-in\/blog\/how-to-generate-vid-using-aadhaar\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">VID instead of their Aadhaar number<\/span><\/a><span style=\"font-weight: 400;\"> prevents the collection of Aadhaar numbers by various agencies which result in heightened security, according to the UIDAI.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Authority also said that it will re-evaluate the list of Global and Local AUAs from time-to-time in order to ensure the security of the Aadhaar numbers.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Two Types of Authentication User Agencies (AUAs)<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">An AUA or Authentication User Agency is a requesting entity that submits Aadhaar number and either demographic or biometric information of an individual to the Central Identities Data Repository (CIDR) for authentication.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The CIDR confirms whether the information submitted by the AUA is true or false without giving out any information related to the person\u2019s identity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are certain AUAs like banking institutions, financial institutions, etc, that are bound by specific laws to authenticate their customers with the help of their Aadhaar numbers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, some AUAs do not have the required security system in place to ensure safe usage and storage of Aadhaar numbers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is why the AUAs are categorized into Global and Local AUAs. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Top Features of Global AUAs<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Global AUAs are the entities that are required to authenticate customers using Aadhaar number<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">These AUAs are allowed to store Aadhaar numbers in their database provided it is done only through data vaults<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Have the provision to accept Aadhaar numbers as well as VID and UID Token<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">They have the ability to determine which applications don\u2019t require the Aadhaar number and are required to only use VID with UID Token in such cases<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Top Features of Local AUAs<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Local AUAs are not permitted to verify a client using Aadhaar number but are only allowed to use VID for OTP based authentication<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">They are permitted to use Aadhaar number for biometric authentication<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">They are not allowed to store Aadhaar numbers in their databases<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">What Changes Must AUAs Incorporate to Retain Their Authentication Services?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In order to enhance the security of the Aadhaar number and incorporate the necessary changes in the system, Virtual ID, UID Token, and Limited e-KYC will be used. <\/span><a href=\"https:\/\/uidai.gov.in\/images\/resource\/Circular_04_of_2018_Virtual_ID_02052018.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">According to the UIDAI<\/span><\/a><span style=\"font-weight: 400;\">, all AUAs are required to make the following changes in their authentication systems and switch to the new system by July 1, 2018. <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">All AUAs\/KUAs must ensure that Aadhaar numbers or VIDs should not be stored while sending authentication or e-KYC requests to the CIDR.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">All Local AUAs\/KUAs shall capture the UID Token and Global AUAs shall capture the Aadhaar number or UID Token as sent by the UIDAI in response to the authentication\/e-KYC request in their database.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">All Local AUAs\/KUAs must make sure to replace Aadhaar numbers with UID Tokens and delete all Aadhaar number from their database by August 31, 2018. This also includes transaction logs.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">All KUAs need to ensure that their application, as well as backend system, are designed in a manner that if there\u2019s a requirement in the future to restrict some of the demographic fields as part of the Limited e-KYC response, the change must be incorporated without any changes in their system.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Failing to comply with these new norms by July 1st would result in the suspension of authentication services and the imposition of monetary fines.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The UIDAI had mentioned that it would share updated API\/technical documents, guidelines, and conduct workshops or training sessions for the AUAs and KUAs to make sure that the process of implementation can take place in a smooth and timely manner.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Accordingly, the new APIs \u2014Authentication API 2.5 and OTP Request API 2.5\u2014 can be found on the UIDAI Authentication Portal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All the AUAs\/KUAs need to submit a compliance report to the UIDAI as soon as they update their systems the new APIs.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">List of Global &amp; Local AUAs as on May 16, 2018<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The UIDAI so far has classified 141 Global AUAs and 23 Local AUAs. The AUAs that have been already been classified into the two categories are mentioned at the end of this article. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In order for the other AUAs to be classified as Global AUAs or Local AUAs, they are required to submit a form containing certain information to the UIDAI through the form attached below.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After evaluating the information submitted these AUAs will be categorized. The information required to be submitted is:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Name of the AUA<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Date of appointment as AUA<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Date of appointment as KUA<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Purpose of using the authentication service<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Purpose of using e-KYC service<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Modality-wise authentication transaction details<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Modality-wise e-KYC transaction details; and<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A copy of the specific laws or regulations that require the AUA to authenticate their customers with Aadhaar number<\/span><\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3048 size-full\" src=\"https:\/\/melento.ai\/en-in\/blog\/wp-content\/uploads\/2018\/05\/Circular.jpg\" alt=\"Form for Global &amp; Local AUA categorization\" width=\"1000\" height=\"1371\" \/><\/p>\n<h3><span style=\"font-weight: 400;\">List of Global AUAs (as on May 16, 2018)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Global AUAs consist of Scheduled Commercial Banks, Payment Banks, Regional Rural Banks, Co-operative Banks, Small Finance Banks, Insurance Companies (only Life Insurance), Retail Payments and Settlement Systems.<\/span><\/p>\n<p><b>i) Scheduled Commercial Banks &#8211; Regulated by RBI<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allahabad Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">American Express Banking Corp.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Andhra Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">AXIS Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bandhan Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bank of Baroda<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bank of India<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">8<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bank of Maharashtra<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bharatiya Mahila Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">10<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Canara Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">11<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Catholic Syrian Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">12<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Central Bank of India<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">13<\/span><\/td>\n<td><span style=\"font-weight: 400;\">City Union Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">14<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Corporation Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">15<\/span><\/td>\n<td><span style=\"font-weight: 400;\">DBS Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">16<\/span><\/td>\n<td><span style=\"font-weight: 400;\">DENA Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">17<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Deutsche Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">18<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Development Credit Bank Limited (DCB Bank Limited)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">19<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HDFC Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">20<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ICICI Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">21<\/span><\/td>\n<td><span style=\"font-weight: 400;\">IDBI Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">22<\/span><\/td>\n<td><span style=\"font-weight: 400;\">IDFC Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">23<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Indian Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">24<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Indian Overseas Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">25<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Karnataka Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">26<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Kotak Mahindra Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">27<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Oriental Bank of Commerce<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">28<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Punjab and Sind Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">29<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Punjab National Bank (PNB)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">30<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ratnakar Bank (RBL Bank Limited)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">31<\/span><\/td>\n<td><span style=\"font-weight: 400;\">South Indian Bank Ltd<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">32<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Standard Chartered Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">33<\/span><\/td>\n<td><span style=\"font-weight: 400;\">IndusInd Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">34<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Jammu &amp; Kashmir Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">35<\/span><\/td>\n<td><span style=\"font-weight: 400;\">State Bank of India<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">36<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Syndicate Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">37<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tamil Nadu Mercantile Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">38<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Federal Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">39<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Hongkong and Shanghai Banking Corporation Limited, India (HSBC)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">40<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Karur Vyasya Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">41<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Lakshmi Vilas Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">42<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Nainital Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">43<\/span><\/td>\n<td><span style=\"font-weight: 400;\">UCO Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">44<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Union Bank of India<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">45<\/span><\/td>\n<td><span style=\"font-weight: 400;\">United Bank of India<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">46<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Vijaya Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">47<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes Bank<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>ii) Payment Banks &#8211; Regulated by RBI<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Aditya Birla Idea Payments Banks Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paytm Payments Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Jio Payments Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fino Payments Bank Limited<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>iii) Regional Rural Banks &#8211; Regulated by RBI<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allahabad UP Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Andhra Pradesh Grameen Vikas Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Andhra Pragathi Grameena Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Assam Gramin Vikash Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bangiya Gramin Vikash Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Baroda Gujarat Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Baroda Rajasthan Kshetriya Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">8<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Baroda Uttar Pradesh Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bihar Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">10<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Central Madhya Pradesh Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">11<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Chaitanya Godavari Grameena Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">12<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Chattisgarh Rajya Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">13<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Dena Gujarat Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">14<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ellaqui Dehati Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">15<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Gramin Bank of Aryavart<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">16<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Himachal Pradesh Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">17<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Jharkhand Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">18<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Karnataka Vikas Grameena Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">19<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Kashi Gomti Samyut Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">20<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Kaveri Grameena Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">21<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Kerala Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">22<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Langpi Dehangi Rural Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">23<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Madhya Bihar Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">24<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Madhyanchal Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">25<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Maharashtra Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">26<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Malwa Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">27<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Manipur Rural Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">28<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Meghalaya Rural Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">29<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Narmada Jhabua Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">30<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Odisha Gramya Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">31<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Pallavan Grama Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">32<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Pandyan Grama Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">33<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paschim Banga Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">34<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Pragathi Krishna Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">35<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Prathama Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">36<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Punjab Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">37<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Purvanchal Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">38<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rajasthan Marudhara Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">39<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Saptagiri Grameena Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">40<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Sarva Haryana Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">41<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Sarva UP Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">42<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Saurashtra Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">43<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Sutlej Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">44<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Telangana Grameena Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">45<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tripura Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">46<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Utkal Grameena Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">47<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Uttar Bihar Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">48<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Uttarakhand Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">49<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Uttarbanga Kshetriya Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">50<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Vananchal Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">51<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Vidharbha Konkan Gramin Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">52<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Puduvai Bharathiar Grama Bank<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>iv) Co-operative Banks &#8211; Regulated by RBI<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Abhyudaya Co-operative Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Gopinath Patil Parsik Janata Sahakari Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Janata Sahakari Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Punjab &amp; Maharashtra Co-operative Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Shivalik Mercantile Co Operative Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The A.P. Mahesh Co-op Urban Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Cosmos Co-op Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">8<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Kalyan Janata Sahakari Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Mehsana Urban Co-Operative Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">10<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Odisha State Cooperative Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">11<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Rajasthan State Co-operative Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">12<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Saraswat Co-operative Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">13<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The Shamrao Vithal Co Op Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">14<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Thrissur District Cooperative Bank<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">15<\/span><\/td>\n<td><span style=\"font-weight: 400;\">TJSB Sahakari Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">16<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Apna Sahakari Bank Ltd.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>v) Small Finance Banks &#8211; Regulated by RBI<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">EASF Small Finance Bank Limite<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Equitas Small Finance Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ujjivan Small Finance Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Suryoday Small Finance Bank Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">AU Small Finance Bank Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fincare Small Finance Bank Limited<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>vi) Insurance Companies (only Life Insurance) &#8211; Regulated by IRDA<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Aviva Life Insurance Company India Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bajaj Allianz Life Insurance Co. Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bharti AXA Life Insurance Company Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Exide Life Insurance Company Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HDFC Standard Life Insurance Company Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ICICI Prudential Life Insurance<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7<\/span><\/td>\n<td><span style=\"font-weight: 400;\">India First Life Insurance<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">8<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Max Life Insurance Co. Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Life Insurance Corporation of India (LIC)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">10<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PNB Metlife India Insurance Company Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">11<\/span><\/td>\n<td><span style=\"font-weight: 400;\">SBI Life Insurance Co Ltd<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">12<\/span><\/td>\n<td><span style=\"font-weight: 400;\">TATA AIA Life Insurance<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">13<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Future Generali India Life Insurance Company Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">14<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Reliance Nippon Life Insurance Company Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">15<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Aegon Religare Life Insurance Company Ltd.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>vii) Retail Payments and Settlement System<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">National Payments Corporation of India (NPCI)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">List of Local AUAs (as on May 16, 2018)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Local AUAs consist of Telecom Operators, Financial Corporations that are controlled by the National Housing Bank, Pre-paid Payment Instruments, Certifying Authority, Digital Locker Providers, e-Sign Providers, Insurance Companies (Non-Life Insurance), and Non-Banking Financial Companies. <\/span><\/p>\n<p><b>i) Telecom Operators<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bharti Airtel Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Idea Cellular Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Vodafone India Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Reliance Jio Infocomm Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bharat Sanchar Nigam Limited (BSNL)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tata Teleservices Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Mahanagar Telephone Nigam Limited (MTNL)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>ii) Regulated by National Housing Bank<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HDFC Housing Development Finance Corporation Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">India Shelter Finance Corporation Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Reliance Home Finance Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Shriram Housing Finance Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ICICI Home Finance Company Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Indiabulls Housing Finance Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tata Capital Housing Finance Ltd.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>iii) Pre-paid Payment Instruments (PPI) &#8211; Regulated by RBI<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ITZ Cash Card Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">My Mobile Payments Limited Money on Mobile)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">One Mobikwik System Private Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Oxigen Services (India) Pvt. Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Smart Payment Solutions Pvt. Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Reliance Payment Solutions Limited<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>iv) Certifying Authority, Digital Locker Providers, e-Sign Providers &#8211; Regulated by CCA<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Sify Technologies Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Capricorn Identity Services Pvt. Ltd.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>v) Insurance Companies (Non-Life Insurance) &#8211; Regulated by IRDA<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HDFC Ergo General Insurance Company Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Apollo Munich Health Insurance Company Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Reliance General Insurance Company Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The New India Assurance Co Ltd<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bajaj Allianz General Insurance Company Limited<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>vi) Non-Banking Financial Companies &#8211; Regulated by RBI<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Sl. no<\/b><\/td>\n<td><b>Name of AUA<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bajaj Finance Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Capital First Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Credila Financial Services Pvt. Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fullerton India Credit Company Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Geojit BNP Paribas Financial Services Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Home Credit India Finance Pvt. Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7<\/span><\/td>\n<td><span style=\"font-weight: 400;\">India Infoline Finance Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">8<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Invest India Micro Pension Services Pvt. Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Janalakshmi Financial Services Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">10<\/span><\/td>\n<td><span style=\"font-weight: 400;\">L &amp; T Finance Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">11<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Mahindra &amp; Mahindra Financial Services Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">12<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Manappuram Finance Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">13<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Muthoot Finance Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">14<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Muthoot Fincorp Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">15<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Reliance Commercial Finance Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">16<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Shriram Transport Finance Company Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">17<\/span><\/td>\n<td><span style=\"font-weight: 400;\">UAE Exchange &amp; Financial Services Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">18<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Zen Lefin Pvt. Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">19<\/span><\/td>\n<td><span style=\"font-weight: 400;\">SMI Finance Pvt. Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">20<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HDB Financial Services Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">21<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Daimler Financial Services India Pvt. Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">22<\/span><\/td>\n<td><span style=\"font-weight: 400;\">TVS Credit Services Limited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">23<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tata Capital Financial Services Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">24<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bharat Financial Inclusion Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">25<\/span><\/td>\n<td><span style=\"font-weight: 400;\">SiCreva Capital Services Pvt. Ltd.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">26<\/span><\/td>\n<td><span style=\"font-weight: 400;\">IVL Finance Limited<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Unique Identification Authority of India (UIDAI) stated in a circular that it has classified AUAs (and KUAs, wherever it\u2019s applicable) into two categories namely Global AUAs and Local AUAs. This is being done to ensure the security of Aadhaar numbers. The circular also clarified that Virtual ID and UID Token can be used instead [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":3049,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page_templates\/blog-new-3.php","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[33,2276],"class_list":["post-3046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aadhaar","tag-aadhaar","tag-uidai"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>UIDAI&#039;s Latest Step To Solve Aadhar Related Security Concern<\/title>\n<meta name=\"description\" content=\"To address security issues with Aadhaar numbers, UIDAI has classified AUAs as Global &amp; Local AUAs. 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