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EPF and PPF: Difference,comparison,returns and which is better

What is PF?? PF is a popular name for EPF or Employees’ Provident Fund.It is a saving scheme for the employees of the organized sector, established by the government.  The EPF interest rate is declared by the EPFO every year. EPFO(Employment Provident Fund Organization) is a statutory body under the Employees’ Provident Fund Act, 1956. Currently the interest rate is 8.55%. Only the Employees of companies registered under the EPF Act, can invest in the PF or EPF. Both the employer and the employee are required to contribute 12% of the employee’s basic salary and dearness allowance every month to the EPF account.

PF or Public Provident Fund: It is a government supported savings scheme. It is open to everyone-employed, self employed, unemployed or even retired. The PF account is not mandatory and anyone can contribute any amount to the PPF subject to 500 Rs. and maximum of Rs. 1.5 Lakh per year. The current PPF interest rate is 8%. The PPF interest rate is reviewed every quarter. You can open a PPF account with most of the major banks and even with the post office. 

EPF Vs PPF:Eligibility, Tenure, Limits, Interest rate, Tax benefits:

ParameterPPFEPF
Investment AmountMinimum Rs. 500 and Maximum Rs. 1.5 LakhCompulsarily 12% of the salary,DA. It can be increased voluntarily. 
Eligibility to investAny Indian except for an NRI. Includes Students, Self employed, employee or retired persons. Only salaried employee of company registered under EPF Act.
Tenure15 years, extendable after that for a block of 5 years indefinitely. Can be closed while quitting job permanently. Can be transferred while changing companies till retirement. 
Rate of interest8.0%8.55%
Tax BenefitContribution is tax deductible under sec 80C. Maturity amount is also tax free.Contribution is tax deductible. Maturity amount is tax free only on completion of 5 years.
Governing actGovernment Savings Banks Act, 1873 (earlier Public Provident Fund Act, 1968)Employees Provident Fund and Miscellaneous Provisions Act, 1952
Contributor to FundSelf or parent in case of minorBoth Employer and the Employee

Safety: Both are safe due to statutory backing but still EPF is more risky due to equity exposure in it.

Both the EPF and PPF are government backed saving instruments. The EPF is managed by statutory body known as the EPFO while the PPF is managed by the Government directly. Every year, 15 % of the fresh money collected by the EPFO is invested in equities. The rest of the money is invested in Government bonds. The EPFO declares the EPF rate annually based on the return of the EPF corpus. The current EPF rate is 8.55% while the current PPF rate is 8%. Historically as well, the EPF rate has been slightly higher than the PPF rate. However the equity exposure in the EPF makes it vulnerable to market movements. A collapse in the market may make it difficult for the EPFO to maintain the EPF interest rate. 

The return of PPF are fixed and guaranteed by the government. The exact rate is set every quarter. Historically, the rates have fluctuated around 8%. The interest rate for january-March 2019 is 8%. It was 8% for october- December 2018 too. Here is a brief history of PPF rates:

PPF rates for the past 10 years

PeriodRate
July-September, 20187.6%
April-June,20187.6%
January-March,20187.6%
October-December, 20177.8%
July-September, 20177.8%
April-June, 20177.9%
January-March, 20178.0%
October-December, 20168.1%
July-September,20168.1%
April-June, 20168.1%
April 2015- March 20168.7%
April 2014-March 20158.7%
April 2013- March 20148.7%
April 2012- March 20138.8%
December 2011-March 2012*8.6%
April 2011- December 20118.0%
April 2010-March 20118.0%
April 2009- March 20108.0%
April 2008- March 20098.0%

Source: National Savings Institute

LIQUIDITY: EPF is more liquid. Withdrawals from PPF only allowed after the expiry of 5 years from account opening.

EPF:One can withdraw 75% of your EPF corpus if you are unemployed for a period of one month. One can withdraw the entire EPF corpus, if your unemployment extends up to two months. However note that if you withdraw your entire EPF corpus within 5 years of account opening,the withdrawal will be taxable. You can also simply leave the money in your EPF account even if you become unemployed or take up self employment or work in the organized sector. In this case EPF balance will continue to gain interest but will be taxable as well. After three years account will stop earning interest.

The retirement age of EPF is 58. Upon attaining this age you can withdraw most of your corpus. However a portion of the EPF corpus which is used for Employees’ Pension Scheme (EPS) will be paid to you as a pension and same will be taxable. 

You can also make partial withdrawals from the EPF. However, you have to specify the reason for the withdrawal and cannot use the funds for any other purpose.You don’t have to return the withdrawal amount. These partial are called as loans against EPF in common parlance.However the facility actually offered is partial withdrawal. There are different grounds for partial withdrawal and even the time period for each ground is different.

PPF:  In case of PPF, you cannot withdraw money due to unemployment. PPF account has a term of 15 years.  You can make partial withdrawals from PPF after the expiry of 5 years from the year of account opening but you do not have to give any reason for the same. However, the partial withdrawal is capped. The maximum amount that can be withdrawn as per financial year is:

  1. 50% of the account balance as at the end of the financial year, preceding the current year or
  2. 50% of the account balance as at the end of the 4th financial year, preceding the current year.

One can also get a loan against the balance in the PPF account from 3rd to the 6th year after opening of an account. The maximum amount of loan that can be availed against PPF account is 25% of the balance at the end of the 2nd financial year preceding the year in which the loan was applied for.

TAXATION:- 

EPF withdrawal becomes taxable if withdrawn before 5 years of completed service. PPf withdrawal is not taxable. 

Investment in the EPF qualifies for tax deduction under section 80 C of the Income tax Act up to Rs. 1.5 lakh per annum. This applies to both the employer and the employee contribution. Interest on EPF is also exempt from the tax unless you become unemployed. Withdrawals from the EPF are also free from tax unless you make them within 5 years of opening the EPF account. If the withdrawal amount within 5 years from the date of opening the EPF account is 50,000, TDS is deducted from the same.

Investment in the PPF account up to Rs. 1.5 lakh per annum gets u a tax deduction under section 80C of the Income Tax Act, 1961. The interest on the PPF is also exempt from the tax but must be declared in the annual income tax return. The PPF maturity amount is also exempt from the tax. In other words PPF enjoys “exempt,exempt,exempt”tax treatment.

Drawbacks of EPF:

  1. The EPF contribution is rigid and fixed at 12% of salary and DA from the employer and the employee. You cannot contribute less than this amount, although you can contribute more under VPF (Voluntary Provident Fund)
  2. EPF is only open to employees of companies which have registered under the EPF Act. This means companies with 20 workers or more. It is not available to self employed or retired individuals. 
  3. Withdrawals before 5 years from account opening of EPF is taxable. In the modern economy, many people cannot keep a job in an EPF registered company for 5 years.
  4. The EPF rate may not match the long term returns of mutual funds or National Pension System (NPS)
  5. If you move your jobs from larger to smaller companies or become self employed, You cannot contribute to the EPF. In such case, EPF will stop earning interest after 3 years from your exit from EPF registered employer. Your money will lie idle in the EPF account.

Drawbacks of PPF:

  1. PPF does not allow partial withdraws before expiry of five years after the year of account opening. You cannot withdraw from the PPF before this period even if you are unemployed or need some money for a family emergency. The tenure of the PPF for 15 years is also very long.
  2. PPF historically has a lower rate of interest than EPF.
  3. The PPF rate is fixed and over the long run can give much lower returns than equity linked instruments like mutual funds and NPS (National Pension System) 

Repercussions Faced If PAN Card And Aadhar Are Not Linked

The Government Of India has made it mandatory for all PAN card holders to link their PAN
cards with their Aadhar card. The deadline for the same which was earlier 31st August has now
been extended to 31st December 2017 by the Finance Ministry.

Pan Card, Aadhar card, Aadhar linking

Repercussions

If the two cards are not linked, then one will face difficulty in processing their Income Tax Returns or ITR. It will only be processed once the PAN and the Aadhar are linked. This means that despite filing of ITR you will not receive the refund. Quoting the words of the Income Tax department, “ITR will not be taken up for processing under section 143(1) of the Income Tax act until the PAN is linked to Aadhar.”

The Aadhar card is also mandatory for applying for a PAN card and also for availing various
subsidies from the Government.

The Aadhar card is a 12 digit unique biometric authentication card, which the UIDAI issued,
whereas the PAN card is an alphanumeric card of 10 digits and is allotted to entities and
individuals by the Income Tax Department and is required for filing returns.

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Aadhar Card made Mandatory for Death Certificates From October 1

In a great move to prevent big identity fraud, government made it mandatory to provide Aadhar number or Aadhar enrolment Id number of the deceased for issuing the death certificates to residents of all states barring Jammu and Kashmir, Meghalaya and Assam. This is in order to establish the identity of the deceased. The order comes into effect from october 1, 2017 and dates will be notified separately for the three states. If a person who is applying for the death certificate is unaware of the deceased, he is required  to provide a certificate stating that the deceased person does not possess an Aadhar number to the best of his knowledge.Any false declaration, however, would be treated as an offence as per provisions of the Aadhar act,2016 and also the Registration of Birth and Death act,1969.

Along with the Aadhar number of the spouse or parents, applicants Aadhar number shall also be collected, citing a notification issued by a Registrar General Of India (RGI).According to the notification issued by the RGI under Ministry of Home Affairs use of Aadhar of the applicants of death certificate will result in ensuring the details provided by relatives, dependants of the deceased. This will prevent identity fraud and help in recording the identity of the deceased. This will also help in preventing need to produce multiple documents of the deceased person.

The effective date for the new rule will be october 1, 2017 and states will have to inform the centre about their preparedness for the new system by september 1. Section 57 of the Aadhar card 2016 permits the use of Aadhar number for the establishment of the identity of an individual for any purpose pursuant to any law or contract to this effect.

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Your PAN Card could be invalid without Aadhar by December (Latest News)

As per the Indian Government’s recent decision, all PAN cards that are not linked to Aadhar card will become invalid after 31st December, 2017.

PAN Card, Aadhar card, Aadhaar card

Presently, the PAN card is required by taxpayers to file their income tax returns. Also, many citizens, such as students, use the PAN card as a document for identity proof. However, the Government has found there are many fraudulent and fake PAN cards. This error and the fraudulent use of multiple PAN cards under a single person’s name will be rectified by linking it to the Aadhar card, which has a unique 12 digit biometric identification number.

At present, approximately 98% of the population has their Aadhar card or has applied for it. Thus, the time frame till the end of the year for people to apply and get their card is adequate. The aim of introducing the Aadhar card and its unique identification number was to plug leaks in the distribution of the Government’s benefits as well as entitlements. With that objective in mind, the Government has linked many of its projects, schemes and subsidies with the Aadhar card. For instance, the Government’s midday meal scheme is linked to Aadhar card. Recently, the Government has also made submission of Aadhar card details mandatory for applying for a PAN card or for filing of income tax returns.

PAN cards are currently mandatory for travel or hotel bills made via cash transactions which exceed Rs 50,000 and also for purchasing jewellery worth more than Rs 2 lakhs irrespective of it being a cash or card transaction. Even, large cash deposits in banks can be made only by submitting PAN card number and details. However, the problem that has come to the Government’s notice is that there are many duplicate and fraudulent PAN cards that fraudsters are using. For instance, multiple fake PAN card numbers of the same individual are being used to file multiple tax returns.

The proposed introduction of unique and biometric Aadhar card for this purpose, such as tax returns filing and other official submissions, will eliminate duplicate PAN cards and fraudulent acts. In fact, Arun Jaitley, the finance minister, indicated at making the Aadhar card compulsory for all issues related to income tax.

By making Aadhar card mandatory, there will be a transparency in the income tax filing system, since Aadhar is a foolproof document of identification, thereby helping eliminate duplicates, and even helping trace those who launder money or evade tax.

The next agenda of the government is to decide a suitable time period within which citizens carry out the linking of their PAN card with Aadhar card, most likely being end of the year.

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Online E-verification of Income Tax Return Using Aadhar Card

In this article we are going to lay down a complete guide on how E-verification of Income Tax Return can be done using your Aadhar Card.

After filing of the Income Tax Returns or ITR, it needs to be verified. Till now, the verification was done by downloading the ITR – Verification (ITR-V) online after filing the returns, from the e-filing portal, signing the downloaded copy and posting it to the Centralized Processing Center (CPC) located in Bengaluru.

However, now the ITR can be verified by anyone using the 3 methods allowed by the Income Tax Department. These are:

  • By using Aadhar card.
  • By availing netbanking.
  • By using EVC or electronic verification code.

For verifying via Aadhar card, the PAN card and the Aadhar card need to be linked.

Process to link Aadhar card with the PAN card for verification of ITR :

For verifying ITR via Aadhar card, you require the Aadhar card to be linked to your PAN card. Once they are linked, the ITR can be verified via the mobile phone number registered under the Aadhar card. The linking of both the cards is possible only if the name, date of birth and gender on both the cards match. For instance, if the Aadhar card of a female is in the post-martial name and the PAN card in the maiden name, then the linking is not possible unless the change has been made to the relevant card. Another criterion for linking both the cards is that the mobile phone number you are currently using must be the same as the one registered with the Aadhar card. Once the criteria are matched, the linking of Aadhar to PAN card can be done as follows –

E-verification of Income Tax Return

 

  • Next hover the cursor on the tab titled ‘Profile Settings
  • Click on the option ‘Link Aadhaar’ and enter your Aadhaar number. Now press the tab ‘Link Now
  • Both, the Aadhar and the PAN card will be linked if details like the date of birth, gender and name are the same in both the places

E-verification of Income Tax Return using Aadhar number :

Post the linking of Aadhar to the Income Tax website profile, e-verification of the Income Tax Returns can be done by generating an Aadhar OTP. The steps are as follows –

  • On the Income Tax e-Filing website upload your income tax returns.
  • After the returns are filed, you will be given the following options to choose from, in order to verify the returns –  
  1. “I already have an EVC to verify my returns”
  2.  “I do not have an EVC and would like to generate EVC to e-verify my return”
  3. “I would like to generate Aadhar OTP to e-verify my return”
  4. “I would like to send ITR-V/ I would like to e-verify later”
  • Select the option for generating an Aadhar OTP (option 3). On the mobile number registered on your Aadhar, you will receive a one-time password which will be valid only for ten minutes.
  • On the website, enter the OTP received on the registered mobile number.
  • If the OTP submitted is correct, a message that says ‘Return successfully e-verified. Download the Acknowledgement’ will appear. A similar acknowledgement will be emailed to your email address as well. It can be downloaded and saved on the computer by clicking on the ‘Download’ button.

Through the above steps one can verify and acknowledge one’s ITR without having to post the ITR-V copy to Bangalore based CPC.

E-verification of Income Tax Return using EVC :

ITR can be verified online even if your Aadhar card is not linked to the PAN card. This can be done by using the electronic verification code or EVC.

The EVC is generated either via the registered mobile number and email ID or through your net banking account.

Steps to generate EVC are –

  • An EVC can be generated in 2 ways- one is to generate one immediately upon filing returns. Another is to visit the portal menu and click on the ‘e-file’ tab.
  • If you select the ‘e-file’ menu to generate an EVC, then select the option ‘Generate EVC’, whereby a 10 digit EVC code will be sent on your registered mobile number as well as email address. Upon receiving the code you can choose the option ‘I already have an EVC to e-verify my return’ after filing the income tax return.
  • If you wish to first file your returns and then generate an EVC, you can choose the option ‘I do not have an EVC and would like to generate EVC’ out of the 4 options displayed on the screen.
  • On the next page you can enter the 10 digit EVC generated and verify the return and also download the acknowledgment.

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Aadhar card authentication and eKYC Service

I think you will agree that in days gone by we all have wasted a lot of time & faced a lot of difficulties completing the tedious process involved in opening a bank account, activating a mobile connection, buying mutual funds or insurance online, etc. Well not any more ! UIDAI has commenced the all new eKYC service with the aim making our banking experience more pleasant.

eKYC will facilitate customers with an Aadhar number to disclose his or her personal details to service providers giving them instant access to services.

Aadhar ekyc, Aadhaar E-KYC , Aadhar Card KYC, Process of KYC, eKYC

What is Aadhar eKYC ?

Know Your Customer or KYC is a vital step which monetary institutions and almost all mobile companies necessitate their customers to fill in. Though one can use their Aadhar card, as one of the documents used for KYC, the lengthy paperwork makes the whole process really time consuming affair. Aadhar E-KYC is introduced with the objective of getting away with paperwork. With the help of eKYC services from UIDAI, consumers will now be able to pass through electronic authentication of their Identity. Hence, this will help to save a lot of time and harassment which would be spent to complete the whole process when done in person.

Nandan Nilekani, UIDAI’s Chairperson, lately said that the most recent set of services would not only help in modernizing the entire step to link an account to one’s Aadhar number, but at the same time it would get highly safe too.

All about Aadhar Based eKYC :

When it comes to obtaining a monetary item or product or when it comes to starting an account for any bank, the total number of documents required is quite a lot. This eventually results in the customers having to spend a lot of money as well as time for the process. Occasionally, they would not be able to create the right document before their service provider or required number of copies and this would again result in wastage of money and time too. So to make the banking procedure effortless and stress free, e-KYC has been initiated which has been linked to a customer’s Aadhar card. If you have an Aadhar card, it turns out being quite advantages for you.

Aadhar based eKYC and its benefits:

Just in case, consumers do not go through or follow the procedure mentioned above, they will need to submit their ID proof along with address that has been attested. They will then require mobile verifications and email verification done and would have to appear in the bank or the financial institution in person for confirming identity. However with Aadhar eKYC service, all that they would require doing is submit their Aadhar card.

Advantages of eKYC:

  • The whole procedure is paperless and quite secure as well.
  • It is less likely for any kind of forgery to take place. Since customers are not required to submit photocopies of important documents. 
  • Undeniably the procedure is anytime faster and provides instant results.

Organizations that use eKYC:

Together with financial institutions, the below mentioned institutions will also be capable of using e-KYC:

  • Mutual fund homes
  • monetary institutions
  • insurance companies
  • trading accounts
  • stock brokers
  • stock exchanges
  • service provides of LPG
  • KYC registration companies

Application Procedure for eKYC:

Application process is easy and quite uncomplicated for eKYC.

  • Consumers will need to obtain an Aadhar card
  • Give permission to the Bank/Mutual Fund house that it can access your data from Central Data Repository of UIDAI.
  • Next visit the website of the related Bank/Mutual Fund house.
  • Fill in the application form that is available online.
  • They would have to then get it scanned & uploaded together with one photograph.
  • The OTP will then get produced and it would be forwarded to the consumer’s mobile number.
  • OTP should then be filled and then form needs to be submitted.
  • For a physical verification the related Bank or Mutual Fund house will then get in touch with the customer, which would be executed via a real time video verification process. This particular step is called Electronic In-Person Verification.
  • At the verification step, the consumer will need to demonstrate their PAN card or their Aadhaar card. They will also require showing their bank statement.
  • Once the KYC gets registered, the customer will receive a confirmation message via e-mail or mail. You can then get this status verified online.

When all the required details get procured, the account of the customer will open without any delay.

There is no denial in the fact that, e-KYC is a speedy, trouble-free and a highly suitable practice. Each Aadhar card holder of the country must ensure to make the best use of it.

What to do if your Pincode is Missing from Aadhar Official Website

Hello Friends, In this article we are going to lay down a guide on what to do if your Pincode is Missing from Aadhar Official Website.

Normally most of the pincodes across india are covered by the aadhar card pincode portal but If incase your pincode is missing or not available, you can report about it either by visiting your nearby Aadhar card center or it can also be reported online.

In case of online reporting, please follow the below listed step by step instructions.

How to report your missing pincode Online :

missing pincode, aadhar, aadhar card

 

  • Fill all your details like name, E-mail Id and registered mobile number.
  • In the “Category” section, choose “Pincode is missing”.

missing pincode, aadhar, aadhar card

  • Insert the captcha image in the box.

missing pincode, aadhar, aadhar card

  • Write necessary remarks you want to give regarding your missing pin code in “Remarks” box, and click on “Report Missing Pincode” button.

How to report your missing pincode Offline :

Missing Pincode requests can also be made by visiting your nearby Aadhar card center (To locate your nearest enrolment center please click here).

Aadhar center’s are equipped with necessary authority along with official username and password to create missing pincode addition/correction request, so they should be able to sort it out for you. But, in case they cannot help, you can file a complaint to the Aadhar department via e-mail or phone.

Voice – 1947 (toll-free)

Fax – 080-2353 1947

Letters – PO Box 1947, GPO Bangalore – 560001

Email at- help@uidai.gov.in

Address to:

Unique Identification Authority of India (UIDAI),

Planning Commission,

Government of India (GoI),

3rd Floor, Tower II, JeevanBharati Building,

Connaught Circus,

New Delhi – 110001.

Aadhar card is considered as one of the most important identity proofs of any Indian citizen; whether it is a six year old kid, or an 80 year old man, Aadhar card is equally essential for all. Our biometric data (iris image and finger prints) are captured in the Aadhar card hence it is the most valued ID document in India. And that is why, it becomes really vital to keep all your details updated and corrected in your Aadhar card. A slight mistake in a single detail can lead to several problems.

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Aadhar Card UIDAI Important Update- Must Read Aadhar Crackdown Launched by UIDAI against unauthorised websites

Friends as you are all aware that your Aadhar Card UIDAI contains lots of confidential information about yourselves. It is very important that you don’t share your Aadhar Card UIDAI information with any unauthorized person or websites.

 

Aadhar Card UIDAI, aadhar card, aadhaar card, aadhar, aadhaar, india, government, govt, government of india

 

Unique Identification Authority of India UIDAI has recently shut down 50 websites and applications. They were offering Aadhar Card UIDAI based services illegally and unauthorized by the authorities. This is a result of Supreme Court recent remarks over Aadhar Card UIDAI information being collected by Private Companies.


Authorities will be taking Zero Tolerance approach on Organisations or Individuals Misusing Aadhar Card UIDAI information:

Aadhar Card UIDAI

 

Aadhar Card UIDAI is now in the hands of 99% of Indian Adult Population. Misusing somebodies Aadhar Card UIDAI information is a punishable offense in India. With the recent crackdown on 50 websites and applications, UIDAI has commented that they have violated Section 38 Chapter VII of Aadhar Act.

UIDAI CEO Ajay Bhushan Pandey commented that As “As per Section 70 of the IT Act, the Government has declared the UIDAIs Central Identities Data Repository (CIDR) facilities, Information assets, logistics infrastructure and dependencies installed at UIDAI locations to be critically protected system”

 

All of these 50 websites and applications were collection Aadhar Card UIDAI enrolment details and Data that could be used in an illegal manner.  According to UIDAI these websites and applications were using unauthorized techniques to make people give their Aadhar Card Details

The importance of Keeping Aadhar Card details safe:

As you can see from the above that your Aadhar card details in wrong hands can be used in many illegal ways. You should be careful about whom you share your Aadhar Card details with. Please only use UIDAI websites for applying, making changes and downloading your Aadhar Card online.

Let me also remind you that there is no need for Aadhar Card to be printed on plastic Cards. You can just print it on a piece of paper and laminate it.

I hope you will find the above article useful. Please share this with all your friends and family to create awareness around sharing of Aadhar Card information.

 

Latest Aadhar Card News 30 Jan 2017- The Unique Identification Authority of India (UIDAI) caution about sharing personal information with unauthorised agencies for printing Aadhaar numbers on a plastic card

Latest Aadhar Card News

Nowadays lots of unauthorised agencies have mushroomed in India, who offer to print your Aadhar Card on plastic by charging you Rs 50 – Rs 100. In the Latest Aadhar Card News UIDAI has issued a warning around sharing your personal information with these unauthorised agencies.Dr Ajay Bhushan Pandey, CEO of UIDAI, said in a statement

 

“The Aadhar card or the downloaded Aadhar card printed on ordinary paper is perfectly valid for all uses. If a person has a paper Aadhar printout, there is absolutely no need to get his/her Aadhaar card laminated or obtain a plastic Aadhar card or so-called smart Aadhaar card by paying money. There is no concept such as smart or plastic Aadhar card,” .

aadhar card, aadhaar card, aadhar, aadhaar, india, government, govt, government of india

The UIDAI warned unauthorised agencies that

“collecting such information or unauthorised printing of Aadhaar card or aiding such persons in any manner amounts to a criminal offence punishable with imprisonment under the IPC and, also, Chapter VI of The Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016.”

As you can see UIDAI has clearly declared that Aadhar card on paper is totally valid.

Please share this important information with all you family and friends.

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