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What happens if a fraudster gets his hands on your Aadhar card?

Srishti P
·2-min read

Aadhaar is for every Resident of India.

From a new born to a senior citizen, everyone can enrol for Aadhaar.

Aadhaar is a verifiable 12-digit identification number issued by UIDAI to the resident of India for free of cost

It is the single most essential and useful identification mandatory for every Indian citizen.

But, What happens if some fraudster gets his hands on your Aadhar or obtains a copy of it and tries to use it as proof of identity? If the fraudster who has obtained your Aadhaar card tries to open a bank account in your name without your knowledge, will you be harmed?

Here’s what would happen...

Under the PML Rules Aadhaar is one of the officially valid documents accepted for opening bank account and the bank is required to do other due diligence for banking transaction or KYC.

If at all some fraudster tries to open bank account using Aadhaar and bank doesn’t carry any due diligence, then in such case an Aadhaar holder cannot be held responsible for bank’s fault.

It is similar to if some fraudster opens a bank account by presenting someone else’s Voter card/Ration card, it is the bank that would be held responsible not the voter or ration card holder.

Till date no Aadhaar holder has suffered any financial loss on account of such misuse.

The Aadhaar Act 2016, states that, the Aadhaar card is required to be authenticated by biometric scanning, OTP verification and QR code which makes it impossible to misuse it as it multi-layered verification process

Under the Aadhaar Act, if someone found misusing the Aadhaar of other people then stringent penalties including fines will be levied under section 40 of the Aadhaar Act and will have to the imprisonment of less one year under section 41 of the act.