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Linking Aadhaar with Bank Account

After the introduction of Aadhar cards in India, the government of India has made it mandatory for all the account holders to link their respective bank accounts with aadhar number.

On the other hand, banks are also notified to deactivate those accounts which are not linked with aadhaar number. The linking of aadhar with bank account can be done in two ways, both online mode and offline mode.

How to link Aadhaar with Bank Accounts through offline mode?

Individuals who do not have net banking facilities can physically visit the respective branch of the bank and follow the below-mentioned steps to accomplish the linking process of Aadhaar with respective bank account:

  • Visit the bank branch where you maintain your bank account and collect a copy of the form to link the Aadhaar with a bank account.
  • Fill in the necessary information including name, residential address, bank account number, name of the bank, name of the branch and so on.
  • Fill all the boxes provided with name as mentioned in the Aadhaar card, aadhaar number, gender, mobile number.
  • Attach a photocopy of the Aadhaar card and submit the application form along with a photocopy of aadhaar card
  • The bank representative will check the details submitted by you and the bank account will be linked with the Aadhaar number if all the details provided by you matches.

Please Note: You will have to carry the original Aadhar card to the bank for verification purpose.

How to link Aadhaar Card online through Internet Banking?

Linking of the bank account with Aadhaar via internet banking is a very easy and quick process. A customer can complete this procedure sitting comfortably at home or in office. The following are the list of steps which one has to follow to link the Aadhaar card with bank account via online mode:

  • Login to the internet banking for the respective bank account which you wish to link your Aadhaar card with.
  • Look out for ‘Aadhar card seeding’ or ‘Add aadhar card’ or similar option
  • Enter your aadhar details carefully and double check the same before clicking on the submit button
  • The linking of a bank account with aadhar will be completed on successful verification of the information provided.

Link Aadhaar with Bank Account at ATM

Below are the steps to link aadhaar with bank account at nearest ATM

  • Go to your bank's ATM
  • Insert your debit card enter your ATM Pin
  • Touch on the Registration Option
  • Click on Aaadhar Registration
  • Enter your 12-Digit Aaadhaar Number and press on Correct
  • Re-enter your 12-Digit Aaadhaar Number and press on If Correct
  • Now select your account type and you will see the successful message on the screen

How to link Bank Account with Aadhaar through Bank’s mobile app?

As the government of India has made it mandatory to link aadhar with a bank account, all the banks in India have provided a facility to its account holder to download the mobile app in their phone and link their aadhar number with a bank account. 

1. Log in to your bank’s mobile app.

2. Now select the option to view your aadhaar details which will be under ‘Service Request’.

3. Proceed further and fill in all the requested aadhar details in it and submit the same.

4. After verification of the details, you will receive a message which states that the aadhaar number has been successfully linked to your bank account.

Link Aadhar with Bank account with SMS

An account holder can also opt to link his aadhar number with bank account by sending an SMS and in this procedure, the account holder has to initiate the process by sending a text message to a particular number as provided by the bank.

1. Follow the format by first typing your 12 – digit UID Aadhaar number followed by your bank’s account number.

2. Now send the message to the specific number provided by the bank.

3. After sending the message, you will receive a service request which informs the initiation of the linking process.

4. Post verification of details with UIDAI, your account will automatically get linked with your bank account.

Steps to Check if a bank account is linked with Aadhaar Number

Customers who have either initiated the process of linking can check if their bank account has been linked to the aadhar card or not by following the below-mentioned procedure:

1. Visit the official web portal of UIDAI

2. Select the option ‘Check Aadhaar and Bank Account Linking Status’

3. This will redirect to a new page wherein you will be asked to enter your 12 digits unique UID number followed by the security code.

4. Now click on the option Send OTP.

5. An OTP will be sent to your registered mobile number in aadhaar.

6. Log in with your OTP and this will redirect you to a new page wherein it will show that your aadhaar mapping is done.

Benefits of Aadhaar Linking with Bank Account 

  • It will enable for the direct crediting of welfare funds, MNREGA wages, scholarships and so on from the government.
  • It will help for direct crediting of subsidies from the government and includes kerosene, LPG, sugar and so on. 
  • Aadhaar will act as a valid Know Your Customer (KYC) document which is useful to open bank accounts. 
  • Aadhaar enabled accounts ensure reduction in fraudulent activities.
  • It also avoids leakage of government spending.
  •  It helps in checking illegal transactions. 
  • The online, inter-operable architecture of the Aadhaar Enabled Payments Systems (AEPS) will allow the residents to access his or her accounts from anywhere in the nation. 

FAQ's

Q. How do I link an Aadhaar number to a bank account?

ANS: The Indian government in 2017 required applicants to link Aadhaar to bank accounts, but it was subsequently ruled out in 2018 that it is no longer mandatory to link Aadhaar cards to the bank to open an account. However, banks have offered various options for account holders to link their accounts to Aadhaar. Some of the methods to link Aadhaar with bank accounts are:

The bank's mobile application,
Internet banking services,
By IVR,
By visiting the ATM or
By visiting the bank branch.

Q. How do you link an Aadhar number with your ration card?

ANS: Linking Aadhaar to a ration card makes it easy to transfer PDS benefits to your bank account (if applicable). To tie your Aadhaar with a ration card, you need to follow these steps:

Visit the nearest PDS centre/ration shop
Provide the self-attested copy of your Aadhaar and family members
Now provide a self-certified copy of your ration card.
You will need to provide your bank details in case you do not have them linked to Aadhaar.
Now provide your fingerprint for biometric authentication.

Q. How do I link the Aadhar number to the EPF account?

ANS: Linking your EPF / UAN account to Aadhaar allows you to access your EPF account online. Here's how to do it:

Register on the EPF member portal and log into your account
Click on the KYC section and add your Aadhaar details and submit the form
Your request will appear under KYC pending
Once approved by EPFO, it will be viewed under KYC approved
In case of successful verification by UIDAI, “Verified” will be mentioned against your approved Aadhaar.

Q. When do I have to authenticate the Aadhaar number?

ANS: You need to authenticate Aadhaar for identity verification under different regimes like PDS, NREGA, etc. Beneficiaries are required to authenticate Aadhaar either when applying for such plans or when receiving benefits.

Q. What is a hidden Aadhaar card?

ANS: This is the last option for citizens to hide their Aadhaar cards in the downloaded e-Aadhaar in which the first 8 digits are replaced with characters like "XXXX-XXXX" and only show the last four digits of the number. Aadhaar.

Q. Where can I authenticate the Aadhar number from?

ANS: The Aadhaar authentication request can be placed at the point of service delivery by various agencies. Some of them are self-service kiosks while others are managed by an operator. Examples of such authentication points are FPS stores, bank terminals, NREGA centres, etc.

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