What is mAadhaar App and Its Benefits?

mAadhaar, or mobile Aadhaar, is a smartphone application that allows users to carry their Aadhaar card in a digital form. It was launched in July 2017 by UIDAI or Unique Identification Authority of India. Mobile Aadhaar eliminates the need to carry the physical document as proof of identification in various places like the airport.

The mAadhaar app is aimed at India’s younger demographic, who are proficient in using smartphones. The app carries all the important details like issuer’s name, date of birth, gender, address, a recent photograph, and Unique Identity Number in its database.

Benefits of mAadhaar App

One of the most important benefits of the mAadhaar app is that it replaces the need to carry a physical copy of your Aadhaar card. All the relevant information will be available in the application itself. It is one of the primary reasons to use the app for individuals looking to know what mAadhaar.

You can also complete different verification process that requires your Aadhaar card information with the help of this application. The details can be shared via the QR code, barcode, or NFC. You can also share the information via email if needed. It simplifies the process where Aadhaar is required as a mandatory KYC document, like applying for a personal loan.

mAadhaar also adds a layer of added security by implying a time-based, one-time password system. It prohibits a user to access the details after a certain period, which eliminates chances of information theft and data fraud by a significant margin.

The mobile application also allows you to lock and unlock your biometric information to better protect your personal details. You will have to authenticate your personal information again after locking the details to resume access.

The app in one single device can be shared between two more profiles provided all three individuals have the same mobile number registered in their Aadhaar card. It will use the individual’s credentials to authenticate each profile in this case.

One of the most preferred uses of mAadhaar is using it as an alternative to carrying KYC documents. It allows an individual to have the Aadhaar, one of the most important documents required to apply for a personal loan, at all times.

How to Use mAadhaar App?

Use of mAadhaar app starts with installing it. It will ask for a password for security purposes. It also comes with biometric verification like fingerprint lock/unlocks feature for additional safety.

Every user should have a registered mobile number to use the mAadhaar application. It will be used to send a one-time password via SMS for verification. It also comes with a TOTP (Time-Based One-Time Password) facility, which adds another layer of security for the user.

You can download the application from the Google Play Store, or Apple’s App Store. After installation, you can go through the guidelines and provide the necessary details that the application will require.

You will have to enter your Aadhaar number to create a new profile. After entering the details, you will receive a TOTP on your registered mobile number. The application will automatically read the SMS and fetch the number automatically.

After the device is verified you will have the option to create a new password for the application. Once the setup is complete, you are ready to access all your details through the application. The process of installing and setting up the mAadhaar app is user-friendly and intuitive. It offers you a secure alternative to carry one of the most important identification documents with you at all times.

mAadhaar app can be used at almost every financial institution or lender, allowing you to complete the extensive documentation process of opening an account, availing a feature-rich personal loan, etc. Both Government-backed and non-banking financial companies like Bajaj Finserv allows using this application.

Bajaj Finserv also provides pre-approved offers that simplify the process of availing credits simple and time-saving. Such offers are available on both secured and unsecured credits, including personal loans, business loans, and home loans.

You can check your pre-approved offer by sharing only some essential details online. The ease of usage and convenient make mAadhaar a perfect alternative to the Aadhaar card. It is especially beneficial when traveling and for those your travel often.

About This Author

Vipin Sharma I am a financial advisor/planner. Joined: September 23rd, 2019