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India Post Payments Bank offers a choice on Aadhaar linking

India Post Payments Bank
India Post Payments Bank

India Post Payments Bank has added the option to de-link Aadhaar to their form for Aadhaar linking. They have also offered separate forms for creating savings accounts for those who wish to create them using Aadhaar and PAN and those who want to use other Indian government identity documents. This is a choice in determining method of identification that petitioners in the Supreme Court have been arguing for and forms a precedent toward services respecting the “voluntary” nature of Aadhaar.

However, the declaration that is required to be signed in the form for linking and delinking still contains a consent to use the Aadhaar for linking. For delinking, this consent should not be given. The following are the points in the declaration (emphasis by MediaNama)


I submit my Aadhaar and voluntarily give my consent to:

  • Seed my Aadhaar / UID number issued by the UIDAI, Government of India, in my name in the aforesaid account.
  • Map it at NPCI to receive Direct Benefit Transfer (DBT) from the Government of India in my above account. I understand that if more than one Benefit Transfer is due to me, I will receive all Benefit Transfers in this account.
  • Use my Aadhaar details to authenticate me from UIDAI
  • Use my mobile number which is registered with the bank for sending SMS alerts to me.

This is the first instance that we are aware of where a government-owned service has given an Aadhaar the option to delink an Aadhaar already linked to their account.

The Union Cabinet decided to form the India Post Payments Bank in June 2016, the payments bank was established after RBI approvals in early 2017 with a steep target of 1.55 lakh outlets  at post offices and 650 payments bank branches at District Headquarters Post Offices by September 2017. According to a reply in the Parliament on the 7th of March 2018, this was expected to be achieved in April 2018.

India Post Payments bank is expecting to acquire 8 crore customers in the next five years.

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