SBI Discontinues Aadhaar-based Payment System After SC Verdict, Reveals RTI
State Bank of India (SBI), the country's largest lender, has decided to discontinue Aadhaar-based payment system (AEPS) and had informed its decision to the UIDAI, reveals a reply received under Right to Information (RTI) Act.
 
The reply received by Srinivas Kodali, an activist, has details of the opinion of SBI's law department about using AEPS by account-holders. It says, "...in terms of the Supreme Court judgement, withdrawal of money by a beneficiary through Aadhaar authentication or AEPS is to be made or can be made permissible only for the amount of actual monetary subsidy or benefit received by the beneficiary (in his bank account) and not for using the said account (which may also have credits being credited into the same from other sources along with the government subsidy) for making withdrawal of other amounts. However, there being a practical difficulty, where beneficiary of direct benefit transfer (DBT) scheme, having other credits being credited in to his account, may also end up using AEPS system for withdrawing an amount much higher than the amount what was credited in his account as government subsidy. It may lead to stepping over the mandate of the judgement, which restricts the use of AEPS transactions only to the extent of DBT amount."
 
"Now, our competent authority has approved discontinuance of AEPS system from 1 December 2018, to ensure that the bank is not on the wrong side of the Supreme Court judgement in terms of compliance," the letter says.
 
 
 
 
Interestingly, while SBI denied sharing this letter, Mr Kodali was able to obtain it from Unique Identification Authority of India (UIDAI) under the RTI Act. SK Thakur, central public information officer (CPIO) of SBI, told Mr Kodali, that "The information sought by you is of commercial confidence of the bank and hence exempted from disclosure under section 8(1)(d) of the RTI Act." 
 
 
This incident also how public authorities try to hide information under various excuses under the RTI Act. 
 
Earlier in August this year, the State-run lender had disabled pay to Aadhaar functionality from its Bharat interface for money application (BHIM) SBI Pay app citing regulatory guidelines. (Read: Aadhaar: SBI Disables ‘Pay to Aadhaar’ Functionality from Its BHIM UPI App, Others Not Bothered)
 
In fact, National Payments Corp of India (NPCI), which developed and promotes unified payments interface (UPI) and (BHIM), itself had asked banks to discontinue Aadhaar-based payments through the UPI and Immediate Payment System (IMPS) channels. Pay to Aadhaar is an additional functionality in UPI and IMPS where the payer can transfer funds to the beneficiary using an Aadhaar number.
 
"Aadhaar number is a sensitive information and the revised framework about its usage in the payment landscape is still evolving. With this background, we proposed removal of ‘Pay to Aadhaar’ functionality in both UPI and IMPS before the steering committee (meeting held on 5 July 2018). The proposal of removing the Aadhaar number functionality was approved by the steering committee,” NPCI had said in a circular issued on 17 July 2018. 
 
Later in September 2018, the Supreme Court declared Section 57 of the Aadhaar Act as unconstitutional. This means bank account-holders, e-wallet or mobile wallet users and mobile subscribers are no longer required to use their Aadhaar number.
 

 

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    Bank Loans: 95 Corporates Have NPAs of Rs5.57 Lakh Crore
    While there is a lot of hue and cry over loan-waiver schemes being announced for farmers, just 95 borrowers, excluding individuals and state-run units, have a whopping Rs5.57 lakh crore gross non-performing assets (NPAs).
     
    Finance minister Arun Jaitley, in a written reply in the Lok Sabha, stated, "...as per data on borrower groups excluding individuals and government-public sector units, submitted by scheduled commercial banks (SCBs), as on 30 September 2018, there were 568 borrowers who had NPAs of Rs6,28,560 crore, of which 95 were borrowers with aggregate gross NPAs of more than Rs1,000 crore, involving funded outstanding amount of Rs5,57,110 crore."
     
    Talking about NPAs in the farm sector, the minister said, "(The) Reserve Bank of India (RBI) has also apprised that gross NPAs in agriculture and allied activities were Rs1,01,508 crore as on 30 September 2018."
     
    According to Mr Jaitley, following directions from RBI, cases have been filed under insolvency and bankruptcy code (IBC) before the national company law tribunal (NCLT) against 41 borrowers, 12 of which had cumulative outstanding of Rs1,97,769 crore. The remaining 29 had an outstanding of Rs1,35,846 crore as on 31 March 2017.
     
    To resolve issues associated with bulging NPAs of banks, the government has amended SARFAESI Act to make it more effective with provision for three months imprisonment in case the borrower does not provide   asset details. The lenders are also allowed to get possession of mortgaged property within 30 days under the new amendments. 
     
    To speed up recovery, the government has set up six new debt recovery tribunals (DRTs). In addition, under the public sector banks (PSBs) reforms agenda, State-run have created stressed asset management verticals for stringent recovery, segregated pre- and post-sanction follow-up roles for clean and effective monitoring, initiated creation of online one-time   settlement platforms and committed to monitoring large-value accounts through specialised monitoring agencies.
     
    "Enabled by these measures, as per RBI data on global operations (with provisional data for September 2018), during the last three and a half financial  years, NPAs of SCBs reduced by Rs2,83,770 crore due to recoveries," the minister told the Lok Sabha.
     
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    COMMENTS

    S.B.SINGH

    11 months ago

    Bribery, Bank Branch Head, Bank Chairman and politicians only responsible
    Very deterrent punishment required

    MD HABIBUR RAHMAN

    11 months ago

    Sir please hamko loan chahiye

    Dr.Dhananjaya Bhupathi

    12 months ago

    https://www.moneylife.in/article/bank-loans-95-corporates-have-npas-of-rs557-lakh-crore/55981.html
    1. When millions of unemployed youth is roaming on roads, merging banks is not right step. With merger 3 banks, NPAs worth Rs.80000 crores shall be kept under the carpet.
    2. Is there any prudent functionary in PMO/UFM/RBI/IBA to avert the strike much to the chagrin of DWINDLING IMAGE OF BJP LEAD NDA? SO THAT THE INDIAN CITIZENRY CAN BE SAVED WITHOUT BANKING SERVICES FOR 5 DAYS.
    3. In entire PSBs, 10 lacs bank employees + 5 lac bank retirees , right from Attender to GM, are honest to the core & hard working employees mobilized & accounted for INR.125 lac crores of deposits + Rs.85 lac crores of advances with investments in Govt. Securities worth ts.30 lac crores. However, entire credit goes to GOI, the PSB boards & the dynamic bank employees.
    4. The demand/limit for Bank services is THE SKY. If the banks work for 24 hrs/7 days a week on shift system, still customers visit banks.
    5. The proposal to merge banks helps the LOOTERS, namely, the fugitives, politicians in power/opposition, crony capitalists, existing PSB boards, CMDs/CEOs/EDs/CORRUPT DUDs OF ADHOCISM IN UFM/PMO/IBA/TICKING MASTERS OF RBI/STATUTORY AUDITORS. How? All the culprits shall escape ‘scot-free’ with their ill-gotten moneys. Entire NPAs worth Rs.80000 crores shall be put under the carpet. SBI & PNB commenced to put NPAs worth Rs.3000 crores to auction without revealing names of the culprit-borrowers on their respective web sites. In compliance to SC judgment, RBI is yet to declare names of NPAs/borrowers worth Rs.50 crores & above.
    6. AIBOC, one of UFBU affiliates with majority of PSB/SBI officer-members has already filed a WRIT IN Delhi HC against mergers.
    7. A WORD OF CAUTION TO AIBOC + OTHER UFBU + CBPRO AFFILIATES! This CHV sabotaged the entire PSB employees’ momentum in 2007 by taking huge sums of money from PC, the then FM. He, shamelessly, continues to wield power with ‘no elections’ in AIBEA since past decade.
    8. What role the CBPRO conveners/affiliates play on behalf of 5 lacs PSB retiree-members. Any Dharnas/Demonstrators proposed HIGHLIGHTING RETIREES' BURNING ISSUES @ all state HQs duly covered by the Press & TV channels. Or simply sleeping by praying the GOD? Anyways, the bankrupt AIBRF is a dead force to reckon with its outdated & OUTLIVED GS.
    9. SATYAMAEVA JAYATHE!!!

    REPLY

    Rajamanickkam

    In Reply to Dr.Dhananjaya Bhupathi 11 months ago

    I do not agree with these remarks. With out the knowledge of bank employees all these frauds could not take place. Why there is no whistleblowers from the banks so for.

    Dr.Dhananjaya Bhupathi

    In Reply to Rajamanickkam 11 months ago

    Because, most of the frauds involving Rs.25 crores and above loans/advances come under the purview of apex level functionaries, namely,, ED,CMD//CEO/Board of Directors.

    Urgent! Delink Your Aadhaar from Bank Account and Never Share It with Anyone
    Senior bank officers have warned that there are a number of cases coming to light every day where bank customers are being duped when they share their Aadhaar number linked to their bank account. Fraudsters are also using unified payments interface (UPI) to siphon money from customers' accounts. This is because 'Pay to Aadhaar' (number) is an additional functionality in UPI and allows withdrawals through this route as well. This only underlines the need for people to urgently de-link Aadhaar number from the bank accounts—especially those who are less tech-savvy or financially literate. 
     
    In fact, this warning comes from none other than D Thomas Franco, former general secretary of All India Bank Officers Confederations (AIBOC), which is the largest bank officers' union in India. Mr Franco narrates this story in a bank WhatsApp group on a new way to dupe hapless people. "On 21st December, Dr Lalmohan was asked to give his Aadhaar number from a caller posing as a manager of State Bank of India (SBI). Within a few minutes, his account was debited online for Rs5,000 and Rs20,000. He immediately called customer care and got his account blocked. However, further withdrawals took place all through UPI and the entire balance in his account, except for Rs200 vanished. He had not shared his password. The bank says there was a hold (block) on his account but these withdrawals still took place online. Aadhaar seems to be the culprit."
     
    He goes on to narrate another example: “A similar call was received by another friend of mine, but he refused to share his Aadhaar number. A third friend of mine, a lady, says she received a similar call saying her credit card has expired and the caller wanted her details to reactivate her card. She refused to share any detail over phone. So, we need to alert everyone about such frauds. Also we need to immediately ask our bank to delink the Aadhaar linked with the account. Do not share your Aadhaar number, password or any banking details to anyone over phone," Mr Franco adds.
     
    In March 2017, a bug in UPI cost Bank of Maharashtra about Rs25 crore. The Pune-based Bank had procured an UPI solution from a vendor (reported to be city-based InfrasoftTech), which had a bug that resulted in the fund moving out of the accounts without the sender's account having the necessary funds. (Read: UPI bug costs Bank of Maharashtra about Rs25 crore)
     
    Moneylife was the first to raise this issue in September 2014. It was followed up with the prime minister’s Office (PMO) with a meeting and through filing a complaint on their portal. However, the PMO portal closed the complaint in October 2017 citing insufficient information. (Read: How Aadhaar linkage can destroy banks)
     
    Lakhs of people linked their bank accounts to their Aadhaar number under threat from banks that their accounts and banking services would be frozen. This is no longer mandatory after the Supreme Court judgement on this issue. 
     
    Earlier in July 2018, National Payments Corp of India (NPCI), which developed and promotes UPI and Bharat interface for money application (BHIM), had asked banks to discontinue Aadhaar-based payments through the UPI and immediate payment system (IMPS) channels. Pay to Aadhaar is an additional functionality in UPI and IMPS where the payer can transfer funds to the beneficiary using an Aadhaar number.
     
    "Aadhaar number is a sensitive information and the revised framework about its usage in the payment landscape is still evolving. With this background, we proposed removal of ‘Pay to Aadhaar’ functionality in both UPI and IMPS before the steering committee (meeting held on 5 July 2018). The proposal of removing the Aadhaar number functionality was approved by the steering committee,” NPCI had said in a circular issued on 17 July 2018. 
     
    Following the NPCI circular, SBI removed pay to Aadhaar functionality from its BHIM SBI Pay app citing regulatory guidelines. (Read: Aadhaar: SBI Disables ‘Pay to Aadhaar’ Functionality from Its BHIM UPI App, Others Not Bothered
     
    Later in September this year, the Supreme Court declared Section 57 of the Aadhaar Act as unconstitutional. This means bank account-holders, e-wallet or mobile wallet users and mobile subscribers are no longer required to use their Aadhaar number.
     
    Following the judgement, the department of telecommunication (DoT), on 26th October directed all unified license holders to discontinue use of Aadhaar eKYC for issuing new SIM and re-verification of existing subscribers before 5 November 2018.
     
    "...the use of Aadhaar authentication is not permissible for eKYC for verification of telecom subscribers not for issuing new mobile connections. In compliance to the judgement of the Supreme Court, all licensees are to discontinue the use of Aadhaar eKYC service of Unique Identification Authority of India (UIDAI) both for verification as well as for issuing new mobile connections. All telecom services providers (TSPs) shall ensure its implementation across the country in a time bound manner and compliance in this regard be submitted by 5 November 2018," the telecom department said in the circular. 
     
    Post the judgement from the apex court, All India Bank Employees Association (AIBEA), demanded that banks should stop issuing Aadhaar numbers as it was not a banking activity. In a statement in September 2018, AIBEA's general secretary CH Venkatachalam had said, "The compulsory linking has resulted in lots of frauds by third party agents who canvas for loans. There are instances where with the same Aadhaar card number several loan accounts were created by the loan processing agents of banks to meet their targets." 
     
    He said designated bank branches were issuing Aadhaar, which should be stopped as it was in no way connected to banking activity.
     
    In fact, before the Supreme Court judgement, bankers were found to be given targets by UIDAI for Aadhaar enrolment. Banks had been given a target of logging 16 enrolments daily at 10% of their branches. From 1 July 2018, this has been reduced to eight a day, a report from Press Trust of India (PTI) says quoting a circular issued by the UIDAI. It also said that banks, which achieve the fresh targets for July will not have to face 'financial disincentives' up to that month.  
     
    Dr Anupam Saraph, one of the petitioners in the Aadhaar case in the Supreme Court, and an expert in sustainable systems design, also found the target setting by UIDAI as funny if not devastating. "Who are they enrolling if 121 crore have been enrolled? They do not trust the bank account that were opened during the past over 70 years, but now want the same bankers to generate new data and benami accounts in the process?... (The) drive for enrolment is sufficient to expose that either the 121 crore person's enrolled number is suspect or the data of those 'enrolled' is suspect. All evidence suggests the most likely answer is both of the above," he had said. 
     
    Banking regulator, Reserve Bank of India (RBI) has, however, had kept mum, even when UIDAI was encroaching upon its regulatory authority. 
     
    Last year, Moneylife published an article exposing that the forceful linking of Aadhaar with bank account was taking place due to a Gazette Notification issued by the finance ministry and RBI has no role in this. Our article was based on the reply we got from the RBI under the Right to Information (RTI) Act. 
     
    After the story was published, RBI came out with a 'clarification' over the weekend that banks should follow the (Prevention of Money Laundering Act or PMLA) Rules, which have statutory force. Whether it is linking of Aadhaar with bank account or mobile numbers, the strange part is how the Central government is issuing direct orders by side lining sectoral regulator under one pretext or the other. The government is also ignoring orders issued by the Supreme Court to restrict use of Aadhaar that too purely on a voluntary basis. (Read: Bank Aadhaar linking: RBI never issued any order, reveals RTI
     
    While RBI was quick to fall in line with the finance ministry in issuing master directions for Aadhaar, post the SC order, it has not issued any notification in this regards or asked banks to de-link Aadhaar number of account holders. 
     
    Earlier on 20 April 2018, while issuing master direction on know-your-customer (KYC) norms, the central bank had clearly stated, "The revised Master Direction is in accordance with the changes carried out in the PML Rules vide Gazette Notification GSR 538 (E) dated 1 June 2017 and thereafter and is subject to the final judgment of the Hon’ble Supreme Court in the case of Justice KS Puttaswamy (Retd.) & Anr. V. Union of India, W.P. (Civil) 494/2012 etc. (Aadhaar cases)."
     
    Despite the Supreme Court ruling linking of Aadhaar with bank accounts or mobile number as invalid, the banking regulator has yet to issue a notification for this. It is time for bank account-holders to de-link Aadhaar number, if linked, from their accounts and also not to share the number and any details related with their bank account with anyone, especially over phone or email.
     
    You may also want to read…
     
     
     
     
     
     
     
     
     
     
     
     
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    COMMENTS

    Venkatraman Narayanan

    2 months ago

    This is a Mis leading article. Ms Dalal has been a strong votary against Aadhar. That bias is showing. This is a ‘case of drunken driving being made as a case against motor cars’

    Suresh Deshmukh

    11 months ago

    Another disgusting attempt in Moneylife to vilify Aadhaar system!

    Gurudutt Mundkur

    11 months ago

    I am all for the delinking of AADHAAR number from Bank accounts. I have done so.
    Having said that, I ask:
    WERE THERE NO ILLEGAL / UNAUTHORISED BANK TRANSFERS BEFORE THE AADHAAR era?
    Every bank should send an OTP for every transfer over Rs5K.

    tpsamant

    11 months ago

    If Aadhar can be misused, why all banks should not de-link it in order to stop misuse/fraud.
    Now customer should take care not to disclose Aadhar to anybody on telephone or even for filling any form.etc.

    paseb

    11 months ago

    Paytm respects the Aadhaar verdict of The Hon'ble Supreme Court of India. Review of the judgement and its implications on our users may take some time. We have noted your query, we will update you on the process to De-link Aadhaar from your wallet/account. We truly appreciate your patience in this regard

    REPLY

    paseb

    In Reply to paseb 11 months ago

    This is the reply I got from Paytm when asked to delink my Aadhaar. What to do next?

    Nagaraj Shankar

    11 months ago

    This article is highly misleading. First of all, UPI is a payment interface and NOT a money receiving interface, in the sense that If you are the person opening the app on mobile you can only TRANSFER money to someone else and IN NO WAY INITIATE A TRANSFER OF MONEY FROM SOMEONE ELSE'S ACCOUNT TO YOUR ACCOUNT, UNLESS THIS IS AUTHORIZED BY THE OTHER PARTY!!!
    Hence I request the affected person TO EXPLAIN IN DETAIL AS TO HOW THE FRAUD OCCURRED.

    Harish

    11 months ago

    hilarious, and feel pity for the union or association

    Milind Purandare

    11 months ago

    This is clearly a misleading article. UPI limits transaction to 20k per day. Also irrespective of Aadhar phone frauds take place. In fact for upi you will have to authenticate through own mobile. Else the transaction will not happen. Unlike credit card where one may if password / pin is known.

    REPLY

    ashish chauhan

    In Reply to Milind Purandare 11 months ago

    May be for you 20k is not much but if so. Eone have only this much in account and that also gone... Then... This is not for illeterate even letterate a accountant of an mnc has lost 60000 in just 1 hour due to linking of mobile and bank account to adhar..... What happen with the other people... When you experience then you understand
    ...

    Atul Kumar

    In Reply to Milind Purandare 11 months ago

    The transfer limit on UPI is 50 k. It was reduced from 100k to 50k recently.

    https://upipayments.co.in/upi-transaction-limit-of-paytm-sbi-tez-and-phonepe/

    Daksh Bajaj

    11 months ago

    Entire article keep saying this happened that happened because of Aadhar, but nonwhere it is mentioned exqctly how. This is similar to ATM card, credit card, debit card fraud. In fact recently Aadhar chief disclosed his aadhar but nobody could prove that it's harmful. It's like giving your bank account number. Merely giving your account number or in this case aadhar don't lead to fraud. There are additional information required in my understanding. These are completely misunderstood and misinforming article.

    REPLY

    ashish chauhan

    In Reply to Daksh Bajaj 11 months ago

    When someone follows you that was not through only Adhar no. But he will follow other details too.. These froud happened earlier also but now it become easier with adhar as all details phone no., account no. And other details handy due to adhar linking...

    Ach Man

    11 months ago

    Why is he focussed on Aadhar fraud, which would be much much less than credit card frauds and online frauds of debit cards.

    As a rule these frauds should be eliminated and then resolve the aadhar issues.

    Aadhar is much convenient for documentation purposes. Yes there may be loop holes but the card frauds are very significant.

    Can these people discuss to step these. No they won't. Becos it's business. The Aadhar is govt.

    REPLY

    Sajal Manjhi

    In Reply to Ach Man 11 months ago

    You are right. Many people ignore this so it is dangerous https://www.techotn.com

    Prathiba Sundaram

    11 months ago

    Arun Jaitley should compensate the loses occurred. We suspect, Modi government is trying to loot the Indians. Arrest those who compelled the account holders to link with Aadhaar.

    REPLY

    Top Shot

    In Reply to Prathiba Sundaram 11 months ago

    Please do not make wild and misleading accusations. The best option is to speak with your relationship manager and get clarifications

    Anand Vaidya

    11 months ago

    From the examples cited in the article, I can't understand how linking SB A.C with Aadhaar will endanger our balances. The examples are exploiting loopholes in the existing banking practices, not Aadhaar.

    It is very unfortunate that (so-called) literate people are against aadhaar which can become an effective anti-malpractices and ease of consumer features. If there are (and yes, there are) implementation problems, they can and should be fixed. Don't throw out the baby with the bathwater.

    I have used something similar abroad and can vouch for the real simplification of matters one unified ID can provide.

    In India, too many vested interests are against any progress. They would rather prefer ordinary Indians run from pillar to post with bunch of papers in corrupt govt offices like we did in the sixties and seventies.

    It is sad to see MoneyLife support such mindless opposition

    REPLY

    Vickram Crishna

    In Reply to Anand Vaidya 11 months ago

    It appears a more careful reading is needed by people who have not understood how some attempts to create digital convenience are actually unnecessarily dangerous, being a workaround from prudent banking practices. While the 'manual' method of account blocking provided relief from the frauds, nothing could be done about the UPI withdrawals, which quite evidently constitute pre-authorisation.

    Anand Vaidya

    In Reply to Vickram Crishna 11 months ago

    Americans have crossed Solar system and are looking at setting up colony on Mars. Even ISRO has a Mangalyaan circling Mars. It is a joke to reject progress in computing applied to everyday life and insist paperwork is the 'right solution'. No. Scams are easier with paper based workflow.

    Computers bind people to follow workflows. A well meaning gov and management (RBI+Banks) can pro-actively fix problems in existing processes and provide far superior experience.

    Do you still depend on faxes and letters for communication or have adopted email, SMS, WA etc?

    Sandeep Ahlawat

    12 months ago

    Where ur account gets empty even by cloning the mob. no. attached to the account, then why cann't aadhar base fraud happen? Are we expecting from these corrupt banks (who looted 6000 crores (sbi) from poors in last one year for just non mainting minimum balance) that they will take care of our money?

    Prashant Naikwade

    12 months ago

    Now money life has gone to extremes in their hatred towards aadhar.
    Anyone can see the pomposity of this article.

    Thakur Saheb

    12 months ago

    How much time these anti aadhar brigade spend to spread fake news. They must be paid well by the lobby trying to destabalise the government. I wish this writer used his talent for some constructive work to build the nation.

    REPLY

    Beeran Koya

    In Reply to Thakur Saheb 11 months ago

    Do not utter sheer nonsense. If you eulogize this senseless wreckless govt. you can. But do not keep yourself blind over their poisonous protests against Adhaar card, while the UPA govt wanted to implement.

    Since these fraudster and criminal teams are more dangerous for the country and its people, as they are one who helped all these bank robbers to escape from the country.

    As you said, "why can't these people do something to improve the employment situation of the country, rather than helping the looters to loot and escape from the country,

    Francis Xavier R

    In Reply to Thakur Saheb 11 months ago

    before 10 yrs, there was no Aadhar.. so you mean to say, before this decade all the governments were destablised due to non existense of Aadhar... pls write yr comments with facts and logic ...

    sandeep nagesh

    In Reply to Francis Xavier R 11 months ago

    Mr Francis.. before 10 years there were no smart phone, why do you need one today?

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