Role of NPCI Mapper
As the name suggest, it works as a indexing service for the banks. It maps a customer id with corresponding AADHAAR. When banks seed any customers AADHAAR into their database, it goes to NPCI Mapper with relevant information. When an AADHAAR seeded by bank is confirmed, that means one entry has been made in NPCI Mapper regarding this customer id and the AADHAAR.
Now, you can have accounts in more than one banks. So, if bank A seeds your AADHAAR into the NPCI. It gets confirmed. Then after some day, bank B seeds the AADHAAR into NPCI. What will happen now? NPCI will delete the previous entry and keep the latest entry.
If you ask your bank to seed the aadhaar of another operator of this account, the NPCI Mapper will be updated with the latest AADHAAR number.
No Scope for Joint Accounts
While designing AADHAAR based payment systems the designers somehow skipped the topic of Joint Accounts. May be there were some bigger thoughts which is beyond our thought. Whatever may be the reason, the fact is here is no provision for Joint Account still now.
Firstly let us know how bank maintain our accounts?
When you open an account at any banks’ branch you are assigned a unique Customer ID. Most of the accounts are Savings Bank Account. We all have one such account in any bank. Now if you create a Fixed Deposit Account in the same branch, they will keep the same Customer ID but a new account number will be generated. Now you need a loan, the bank gives it. Again you have the same Customer ID, but different account number. The basic rule as defined by RBI is, individual should not have more than one Savings Bank Account. But when need occures the bank creates different customer ID for the same person.
There is also need when one account is to be shared by two or more individuals. So, the concept of Joint Accouts exists. The other beneficiaries are like add-on to the account. If you approach your bank to make your own savings bank account enable for operation by someone other than you, they will do it for a charge. That person will be able to operate the account as you can. But check with your bank, THERE IS NO SEPARATE CUSTOMER ID FOR THAT PERSON. Both of you are sharing the same customer id.
Here comes the tricky part. The banks system has been updated to take AADHAAR number in respect of Customer ID. NEITHER ACCOUNT NUMBER, NOR OPERATOR NAME. And of course only a single AADHAAR can be seeded to a customer id.
So, for those accounts which has more than one operator (i.e. joint accounts) only the AADHAAR number of the Primary account holder (i.e. the 1st account operator) will be seeded into the banks database.
It is also found that some banks seeding the AADHAAR number of ANY ONE of the account holders into their database. In that case also, among 2/3 persons only one’s AADHAAR is getting to the NPCI mapper.
Monoj says
How many days does it take to confirm an entered adhaar in NREGA soft?