• Investment
  • Car
  • Bike
  • Taxi
  • Term Life
  • Health
  • Travel

How to Link Aadhaar Card to Bank Account

Since its establishment, having an aadhaar card has become an integral part of every India’s life. This 12 digit aadhaar number assigned by the UIDAI (Unique Identification Authority of India) is essential as it serves as an identity & address proof. Apart from this, a person can avail all the benefits and subsidies mentioned in the Aadhaar Act, 2016. But before accessing these subsidies, it is mandatory for an individual to link their aadhaar card to a bank account. Banks have also issued notices to all their existing customers to seed aadhaar with their accounts. Providing aadhaar is mandatory for opening new accounts as well. Going forward, all financial institutions would request if an individual’s bank account is linked to an aadhaar card for undertaking any transactions.

People often get confused with the process of linking aadhaar card with bank account. The process is actually quite easy and can be completed quickly. The process of linking your account with aadhaar can be done both online and offline.

How To Link Bank Account With Aadhaar Via Banks Branch

Visiting your bank’s branch is one of the most suitable option, provided you carry the original aadhaar card for verification.

  1. Visit the bank’s branch to fill an ‘Aadhaar Linking’ application form.
  2. Carefully fill in your bank account details and aadhaar number.
  3. Attach a self-attested photocopy of your aadhaar card.
  4. Submit the application form with a self-attested photocopy.
  5. It will automatically get updated within 24 hours post verification and you will get a notification SMS on your registered mobile number & email.

Linking Bank Account with Aadhaar Card Online

The most convenient option to link your aadhaar card with your bank account is through the bank's mobile application or through internet banking.

Linking Bank Account with Aadhaar through Internet Banking

  1. Simply login to your bank account through the net banking facility with your customer id and password.
  2. Select the option called ‘Aadhaar Seeding’.
  3. Fill in the requested aadhaar details and submit.
  4. Post verification you will get a message that your aadhaar number has been successfully linked to your bank account.

Linking Bank Account with Aadhaar through the Bank’s Mobile App

Almost all banks provide this facility, account holders simply have to download their respective bank’s mobile application.

  1. Login to your bank’s mobile application.
  2. Select the option to view your aadhaar details under ‘Service Request’.
  3. Carefully fill in the requested aadhaar details and submit.
  4. Post verification you will get a message that your aadhaar number has been successfully linked to your bank account.

Linking Bank Account with Aadhaar through SMS

An account holder can link their aadhaar card through SMS as well, but this is usually a feature where the account holder has to initiate by sending a text to a specific number provided by the bank.

  1. The most common format is: UID aadhaar number account number.
  2. Once texted in this format, you will get a notification that your service request has been initiated.
  3. Once the bank verifies the details with UIDAI, your account gets automatically linked.

Steps to Check if the Bank Account is Linked with your Aadhaar Number

Customers can also check if their bank account has been linked to an aadhaar card.

  1. Visit UIDAI’s official website - uidai.gov.in.
  2. From the given options, select ‘Check Aadhaar and Bank Account Linking status’.
  3. It will direct you to page where you have to enter your 12 digit UID number and the security code.
  4. Now click on SEND OTP - an OTP will be sent to the aadhaar linked mobile number.
  5. Login with your OTP and it will direct you to a new page where it will state that your aadhaar mapping is done

Benefits of Aadhaar-Bank Linking

The benefits of linking Aadhaar number with bank accounts are:

  • Aadhaar is a valid Know your Customer (KYC) document to open bank accounts
  • Direct credit of subsidies from government that includes LPG, kerosene, sugar etc.
  • Direct credit of welfare funds, pensions, scholarship, MNREGA wages etc. from the government
  • Aadhaar enabled accounts ensure reduction in leakages of government spending The online, inter-operable architecture of Aadhaar Enabled Payment System (AEPS) allows a resident to access his account from anywhere in the country.

FAQs On How To Link Aadhaar Card To Bank Account

Who are eligible to link Aadhaar to bank account?

The government has made it mandatory for people to link their aadhaar with their bank account, thus all citizens holding a bank account and having an aadhaar card have to get these two linked.

Why should you link Aadhaar with your bank account?

Having an Aadhaar card is really very important for Indians as the aadhaar card is considered the most important identity card by the government. If you don’t link your aadhaar card with your bank account, the bank will deactivate it.

When I link my bank accounts will the UIDAI not get this information?

The UIDAI (Unique Identification Authority of India) is responsible for issuing and authenticating all aadhaar cards. Once registered, the UIDAI will automatically get all the details regarding your bank account.

How to check whether Aadhaar number is linked to your account?

Customers can also check if their bank account has been linked to an aadhaar number, simply visit uidai.gov.in and select ‘Check Aadhaar and Bank Account Linking status’.

Leave a rating!
5.0 (2 votes)