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    <description>The Budget proposes digital and data governance reforms: a National Data Governance Policy to permit access to anonymized data for research; adoption of a risk-based KYC and fully digital KYC systems; a one-stop DigiLocker/Aadhaar mechanism to reconcile and update identity and address across agencies; and a legal mandate to use PAN as the common identifier for specified government agency digital systems, together with a unified filing process to avoid duplicate submissions.</description>
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