Er. Chhungpuia Renthlei
Senior Technical Officer
NIELIT Aizawl
KYC hi engea nih?
KYC chu Know Your Customer (I customer-te hre chiang rawh) tihna a ni. Sorkar leh sum leh pai enkawltu (Bank/NBFC) ten an hnuaia in-register-te nihna dik tak (identity) an hriat chianna hmanrua a ni. A tum ber chu sum thianghlim lo khuahkhirh leh pawisa dawngtu tur dik tak ten direct a an dawn theihna atan a ni. KYC hi inkaihhruaina dan(Acts) mumal tak hnuaia siam a ni a, chung te chu: Prevention of Money Laundering Act, 2002 (PMLA): Sum thianghlim lo khuahkhirhna dan. Hei hi KYC hman a nihna chhan bulpui ber a ni. Banking Regulation Act, 1949: He dan hmang hian RBI chuan bank zawng zawngte KYC kalpui ngei ngei turin thu a pe. Aadhaar Act, 2016: Kan Aadhaar card hmanga awlsam taka e-KYC kan tih theihna a ni.
e-KYC: Tunlaia kan hman e-KYC hi electronics KYC tihna a ni. KYC nen thuhmun tho, mahse digital-a kalpui a ni thung. A hranpa a office kal emaw, Pawisa sen a ngailo. Aadhaar number hmangin kan nihna (Identity) computer-ah an finfiah a. Fingerprint (biometric) emaw, phone-a OTP (One Time Password) rawn thleng hmangin computer-in kan nihna a lo confirm mai ṭhin. Hei hian paper-work , sum leh hun a ti tlem a, a chak zawk bawk.Ration Card e-KYC kan buaipui hi a entirna ṭha tak a ni. Supply godown ah emaw, retailer hnenah emaw kan fingerprint (zungpui) kan nem a, kan hming a rawn lang a, kan e-KYC chu a dik (verify) tihna a ni. e-KYC hi September 2013 khan hman tan a ni. UIDAI (Aadhaar siamtute) chuan he technology thar hi an duang chhuak a. Bank zingah chuan Axis Bank hi India rama hmang hmasaber (pioneer) an ni.
KYC leh e-KYC danglamna:
KYC: KYC tihdan hlui(Traditional KYC) tiin an vuah. Kan in registerna hnenah mahni ngei kal ngei kala, form fill-up a, thlalak (passport size) leh document pawimawh (Voter ID, Aadhaar, PAN e.t.c) Xerox copy pek a ngai thin thin. India ramah KYC concept hi 2002 khan duan a ni. Kum 2002 khan a vawi khatna atan Reserve Bank of India (RBI) chuan bank-te hman turin hriattirna a chhuah a. Kum 2004–2005 khan bank account thar leh hlui zawng zawng tan KYC chu tihmakmawh (compulsory) a lo ni ta a, ram pumah financial system atan hman a ni. KYC (Traditional) hi Paper, photocopy leh thlalak hard copy ngei nen Office-ah kal a ngaih vangin document buaipuina leh office kal kualna ah hun leh sum a hek thin hle.
e-KYC: Tunlaia kan hman e-KYC hi electronics KYC tihna a ni. KYC nen thuhmun tho, mahse digital-a kalpui a ni thung. A hranpa a office kal emaw, Pawisa sen a ngailo. Aadhaar number hmangin kan nihna (Identity) computer-ah an finfiah a. Fingerprint (biometric) emaw, phone-a OTP (One Time Password) rawn thleng hmangin computer-in kan nihna a lo confirm mai ṭhin. Hei hian paper-work , sum leh hun a ti tlem a, a chak zawk bawk.Ration Card e-KYC kan buaipui hi a entirna ṭha tak a ni. Supply godown ah emaw, retailer hnenah emaw kan fingerprint (zungpui) kan nem a, kan hming a rawn lang a, kan e-KYC chu a dik (verify) tihna a ni. e-KYC hi September 2013 khan hman tan a ni. UIDAI (Aadhaar siamtute) chuan he technology thar hi an duang chhuak a. Bank zingah chuan Axis Bank hi India rama hmang hmasaber (pioneer) an ni.
Eng vanga ṭul ta viau nge a nih?
1. Duplicate/Fake nuaibo nan: e-KYC (Aadhaar) hmang hi chuan mi dang hmingin eitur emaw, subsidy emaw a lak theih loh. mi pakhatin hming hrang hrang hmanga Ration Card a neih kawp te, mi hminga lak ang chi te a titawp.
2. Ram venhimna (Security):SIM card-te hi e-KYC lova hralh a nih chuan, misualten an apawikhawih nan leh inthup nan an hmang thin. e-KYC hian SIM card neitu dik tak a hriat theih phah a, hnu chhui nan pawh a tangkai hle.
3. Dawngtu tur dik takin pawisa an dawn theih nan(DBT): Mizoramah PM-Kisan ( Lonei mite ṭanpuina) dawng tu dik tak hnenah pawisa a thlen theih nan.
4. A awlsam (Efficiency):Mizoram ang tlangramah office pan a harsa ṭhin a. e-KYC hmang hian thingtlang kilkhawra awm pawhin internet hmangin an identity an verify thei a ni.
2. Ram venhimna (Security):SIM card-te hi e-KYC lova hralh a nih chuan, misualten an apawikhawih nan leh inthup nan an hmang thin. e-KYC hian SIM card neitu dik tak a hriat theih phah a, hnu chhui nan pawh a tangkai hle.
3. Dawngtu tur dik takin pawisa an dawn theih nan(DBT): Mizoramah PM-Kisan ( Lonei mite ṭanpuina) dawng tu dik tak hnenah pawisa a thlen theih nan.
4. A awlsam (Efficiency):Mizoram ang tlangramah office pan a harsa ṭhin a. e-KYC hmang hian thingtlang kilkhawra awm pawhin internet hmangin an identity an verify thei a ni.
Miuzorama kan hmanna Langsar te:
1. Bank leh Sum leh Pai Enkawlna (Banking Sector): Bank account i neih a, i hman chhunzawm reng dawn chuan KYC hi tih makmawh (mandatory) a ni. Mi dangin i hming a account lo hawn emaw, i account lo hman sak emaw an tumna (Identity Theft) lakah a veng che a. Chu chauh ni lovin, ram pawn atanga pawisa thianghlim lo (Money Laundering) rawn lut tur a veng bawk. KYC i update loh chuan i bank account an kharkhip (freeze) thei a, pawisa i la chhuak thei lovin i transfer thei hek lo vang.
2. Eirel Gas (LPG Subsidy): Tun hnaia Mizoram mipui min tibuai bertu pakhat chu Gas e-KYC hi a ni. Sawrkarin Gas subsidy hi a nih tur dik tak, a neitu dik tak hnen a thlen ngei a ni tih finfiah nan a hmang a. Mi pakhatin gas connection pahnih-pathum a neih loh nan leh, mi thi tawh hminga connection la awm rengte nuaibo nan a pawimawh hle. e-KYC i tih loh chuan i Gas subsidy i dawng thei dawn lo a, i connection pawh tih thih (deactivate) a ni thei bawk.
3. Ration Card (Public Distribution System - PDS): One Nation One Ration Card scheme hnuaiah e-KYC hi India ram pumah tih ngei ngei tur a ni. Ration card-a hming chuang zawng zawngte kan nihna dik tak (Aadhaar hmangin) finfiah a ni a. Mizo mipui, a bik takin chhungkaw harsa zualten an chanvo dik tak an chan theih nan leh mi diklo ten an lo ei sak loh nan KYC hi a pawimawh hle. Mizoram ah pawh Food, Civil Supplies & Consumer Affairs Department te chuan e-KYC hi buaipui mek reng a ni.
4. Phone SIM Card leh Internet: SIM card thar kan lak reng rengin e-KYC hmanga Aadhaar nena thlunzawm a ngai. Ram venhimna (National Security) atana tih a ni a. Misual leh firfiakten midang identity hmanga SIM card lain thil sual an tih loh nan thunnuxtu pawimawh a ni.
5. Sawrkar Scheme-te (PM-Kisan, MGNREGA, etc.): Loneitu (Farmers) ten PM-Kisan pawisa an dawn nan te, inhlawhfa (MGNREGA) pawisa dawn nan te KYC hi a ngai vek tawh a. A dawngtu tur hnena directa pawisa pekna (Direct Benefit Transfer - DBT) hmanrua a ni.
Mizoram Police Thurawn:
Mizoram Police (Cyber Crime Wing) chuan KYC/Re-KYC chhuanlama hmanga mipuite min bumna (Scam) lakah a hnuai ami ang hian thurawn pawimawh tak hetiang hian chhuah.
Mizoram Police Thurawn:
Mizoram Police (Cyber Crime Wing) chuan KYC/Re-KYC chhuanlama hmanga mipuite min bumna (Scam) lakah a hnuai ami ang hian thurawn pawimawh tak hetiang hian chhuah.
Link Hriatloh Hmet Suh: SMS, WhatsApp, emaw Email kaltlanga "I KYC a thi, he link-ah hian lutin vawm lut rawh, a nih loh chuan I account kan khar ang" tih rawn thleng apiang hi Scam a ni. Hmet chhin miah suh.
Bank Hming Chhuanlam Call: Mi tu pawhin bank manager/staff hming chhuanlam pawhin rawn fiah tum se, phone-ah OTP, Net Banking Password, ATM PIN, emaw MPIN tuman hrilh ngai suh. Bank-in phone-ah thuruk an dil ngai lo che.
App Hriatloh Install Suh: Scammer-ten KYC tihpui che chhuanlamin AnyDesk, TeamViewer, emaw RustDesk ang chi remote access app te I phone-ah install turin an hrilh che a nih chuan an bum mek che a ni tih hria la, hnawl nghal rawh.
Inbumna A Thlen Palhin: I pawisa an laksak palh a nih chuan minute 15 chhungin National Cyber Crime Helpline Number: 1930 ah phone nghal la, emaw www.cybercrime.gov.in ah report vat rawh. I bank pawh hriattir nghal bawk ang che
Tlangkawmna:
Bank Hming Chhuanlam Call: Mi tu pawhin bank manager/staff hming chhuanlam pawhin rawn fiah tum se, phone-ah OTP, Net Banking Password, ATM PIN, emaw MPIN tuman hrilh ngai suh. Bank-in phone-ah thuruk an dil ngai lo che.
App Hriatloh Install Suh: Scammer-ten KYC tihpui che chhuanlamin AnyDesk, TeamViewer, emaw RustDesk ang chi remote access app te I phone-ah install turin an hrilh che a nih chuan an bum mek che a ni tih hria la, hnawl nghal rawh.
Inbumna A Thlen Palhin: I pawisa an laksak palh a nih chuan minute 15 chhungin National Cyber Crime Helpline Number: 1930 ah phone nghal la, emaw www.cybercrime.gov.in ah report vat rawh. I bank pawh hriattir nghal bawk ang che
Tlangkawmna:
KYC hi thil ṭha leh sawrkarin dan anga a phut a nih rualin, kan account password leh identity ruk nan bum hmang (scammers) ten phone call leh SMS hmangin mi tam tak an bum thin. "Gas agency atangin kan rawn bia che a, i e-KYC tih nan i OTP rawn thawn rawh," tiin an phone a. Hei hi Phone Call Scam an vuah. Tin, Bank emaw, Gas company emaw hming lem hmangin Link (e.g., bit.ly/kyc-update) an siama, SMS an thawn thin. Bank, Sorkar leh company te hian SMS leh Phone call hmangin customer te Pasword, OTP leh personal data an dil ngailo tih hi kan hre reng tur a ni.
Hetiang hi kan dawng anih chuan reject a, block nghal hmiah tur. Tihfel ngai a awm chuan Agency-ah kal emaw, an official App (e.g., IndianOil One) atanga chinfel zel a tha. OTP leh Aadhaar information hi phone-a rawn diltu che mi hriat loh (scammer) hnenah hrilh ngai suh. e-KYC chu i duh vanga i tih (Request) chauhva tih tur a ni a, an rawn call vut vut che a nih chuan Bumna (Fraud) a ni ngei ngei ṭhin. Aw le, a tawpberah chuan KYC leh e-KYC hi mipui tihhrehawmna tura nilo va, kan sum leh pai leh kan chanvo (Ration, Gas, Scheme) te a dawngtu tur dik tak hnena a thlen theihna tura sawrkar hmalakna a ni. Digital khawvelah kan document pawimawh a awm vek tawh a, Smartphone vawikhat hmet zeuh vangin misual ten kan kan data a ru thei tih hria ila, kan himna atana KYC chung changa fimkhurna tur kan tar lante hi vawng reng ang u.
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