<b>Text: Centre for Investment Education and Learning (CIEL). Contributions by Girija Gadre, Arti Bhargava and Labdhi Mehta.</b><br><br>The government has launched a digital locker system, DigiLocker, which acts as a dedicated and secure personal storage space of up to 1 GB, linked to a person’s Aadhaar number.<br><br> It can securely store e-documents and one can digitally e-sign documents using this facility.<br><br> The e-documents can be shared easily with registered requester agencies or government departments.<br><br> The DigiLocker will minimise the use of physical documents and provide authenticity of e-documents. It will provide secure access to government-issued documents.<br><br> It will also reduce administrative overheads of government departments and agencies.
To sign up for the DigiLocker service, one can access the following portal: https://digitallocker.gov.in
A valid Aadhar number is a prerequisite to register for the service. It is also recommended to have your mobile number registered in the UIDAI (Aadhaar) records for easier registration.
There are two options for authentication— OTP and fingerprint. OTP can be used only if your mobile number is registered with UIDAI.<br><br> On entering OTP and clicking on the “Validate” button, the user is taken to Set username/password page to complete sign up.<br><br>For fingerprint option, you will have to put your thumb impression on the fingerprint device.<br><br>If the fingerprint is valid, then the user is taken to Set username/password page to complete sign up.
Once the registration process is completed, the user can upload documents under ‘My Documents’ section.<br><br> Important identity, age proof documents, examination certificates (SSC, HSC, Graduation etc) can be uploaded from the user’s local machine to the digital locker.<br><br> Based on the document type selected, the user needs to fill in the other details relevant to the document. On successful upload, the document will be listed under 'Uploaded Documents' section.
Text: Centre for Investment Education and Learning
From poor balance to mismatching signatures, here's what you need to look out for in dishonoured cheques.
The cheque amount is more than the free balance available in the drawer’s bank account.
The signature of the drawer on the cheque does not match the specimen signature available with the bank.
A cheque presented 3 months from the date written on it or presented before the date written on it.
No alternation is permitted in the payee name, amount in words or in figures. The drawer signs near it to verify any other alteration.
If a court or government orders that a customer’s account has to be frozen, the bank will dishonor any cheque presented on behalf of that customer.
Text: TNN
The government has announced digital locker that will help citizens to digitally store their important documents like PAN card, passport, mark sheets and degree certificates.
Called DigiLocker, it is aimed at eliminating the use of physical documents and enable sharing of verified electronic documents across government agencies.
Operated by the Department of Electronics & Information Technology (DeitY), the service has been running in beta since past few months. It will be formally launched by the Prime Minister on July 1.
Presently, Indian citizens will get a maximum of 10MB storage space, which can later be increased to 1GB.
Here's an step-by-step guide to help you upload your documents in DigiLocker.
Step 1: To sign-up for your DigiLocker, one needs Aadhaar number and a mobile number that is linked to that Aadhaar number.
Users can also link the account to their Google, Facebook accounts. Once you have registered, you can start uploading documents in the My certificates section.
Step 2: Select a document type. You'll have options such as SSC Certificate, HSC Certificate, PAN card, Voter ID card, etc. in a drop down list.
Step 3: You are allowed to provide a name for the document.
Step 4: Fill in some details related to the document being uploaded.
Step 7: Click 'upload' button. The document should now appear under the 'Uploaded Documents' sub-section.
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