Linking your Aadhaar card to your bank account is an important step for ensuring seamless services, including Direct Benefit Transfers (DBT), government subsidies, and KYC (Know Your Customer) compliance. The process is simple and can be done through multiple channels: online, via ATM, or in person at the bank branch. Here’s how you can link your Aadhaar with your bank account:
1. Link Aadhaar to Bank Account Online (via Internet Banking)
Most banks provide the option to link your Aadhaar number to your bank account through internet banking (also known as net banking). Here’s how you can do it:
Steps:
1. Log into Internet Banking:
Go to your bank’s official website or use their mobile banking app and log in to your account using your credentials.
2. Navigate to the Aadhaar Linking Section:
Once logged in, go to the 'Aadhaar Linking' or 'Update Aadhaar' section, which is often found under the 'Profile Settings' or 'Service Requests' tab.
3. Enter Aadhaar Details:
Enter your Aadhaar number and any other required information (like your name as it appears on your Aadhaar card).
4. Submit and Confirm:
After entering your Aadhaar number, confirm the details. Some banks may send an OTP (One-Time Password) to your registered mobile number for verification. Enter the OTP to complete the linking process.
5. Confirmation:
Once the Aadhaar linking request is submitted, you will receive a confirmation notification. The linking process might take a couple of days to reflect in your account.
2. Link Aadhaar to Bank Account via Mobile Banking (App)
Most banks also allow you to link your Aadhaar number to your bank account through their mobile banking app. Here's how:
Steps:
1. Open the Bank’s Mobile App:
Download and open your bank’s official mobile banking app. Log in with your credentials.
2. Find Aadhaar Linking Option:
Look for the 'Aadhaar Linking' option in the app, typically under 'Profile', 'Settings', or 'KYC Update' sections.
3. Enter Your Aadhaar Number:
Enter the Aadhaar number and follow any instructions provided by the app.
4. Verify via OTP:
The app may send an OTP to your registered mobile number. Enter this OTP for verification.
5. Confirmation:
Once the request is successfully submitted, you should receive a confirmation notification from your bank.
3. Link Aadhaar to Bank Account via ATM
You can also link your Aadhaar card to your bank account through an ATM. Here's how:
Steps:
1. Visit an ATM of Your Bank:
Insert your ATM card and enter your PIN at the ATM machine.
2. Choose 'Aadhaar Linking' Option:
On the screen, look for an option that says 'Aadhaar Linking', 'Link Aadhaar', or similar. Select it.
3. Enter Aadhaar Number:
You’ll be asked to enter your Aadhaar number. Input it carefully and press Confirm.
4. Verification:
Some ATMs might ask for OTP verification sent to your registered mobile number. Enter the OTP when prompted.
5. Confirmation:
After the process is complete, the ATM will confirm the successful linking of Aadhaar to your bank account.
4. Link Aadhaar to Bank Account by Visiting the Bank Branch
If you prefer a manual approach or if you don’t have access to online banking, you can link your Aadhaar to your bank account by visiting your bank branch.
Steps:
1. Visit the Bank Branch:
Go to the nearest branch of your bank with the original Aadhaar card and a photocopy of it.
2. Fill out the Aadhaar Linking Form:
Request the Aadhaar linking form at the bank counter. Fill in your Aadhaar number and bank account details in the form.
3. Submit the Form:
Submit the filled-out form along with a copy of your Aadhaar card to the bank official. You may also be asked to provide a self-attested copy of the card.
4. Receive Confirmation:
After processing your request, the bank will confirm that your Aadhaar has been successfully linked to your bank account. You may receive an SMS or email confirmation once the process is complete.
5. Important Points to Remember
Aadhaar Details Must Match: Ensure that the details on your Aadhaar card (like name, address, etc.) match the details in your bank account to avoid any discrepancies.
Mobile Number Linked with Aadhaar: For OTP verification during the online and ATM linking processes, your mobile number must be linked to your Aadhaar card. If it’s not, you’ll need to update your mobile number with the Aadhaar authorities first.
Aadhaar is Mandatory for Many Services: Linking Aadhaar to your bank account is a mandatory requirement for many government welfare schemes and financial services. It also makes transactions smoother.
Check Your Bank’s Policy: Some banks may have specific requirements or processes, so it’s best to check with your bank if you face any issues.
6. Advantages of Linking Aadhaar to Bank Account
Direct Benefit Transfers (DBT): Linking your Aadhaar ensures that government subsidies and welfare benefits are directly credited to your bank account.
Ease of Access: You can access various services, like applying for loans, opening new accounts, or conducting transactions, more easily with Aadhaar verification.
KYC Compliance: It simplifies the Know Your Customer (KYC) process, reducing the need for physical documentation.
Taxation: Linking Aadhaar helps ensure compliance with tax-related processes, like filing returns or receiving refunds.
Conclusion
Linking your Aadhaar card to your bank account is a simple and necessary step to ensure smooth access to government services, direct transfers, and compliance with banking regulations. Whether you do it online, via an ATM, through your bank’s mobile app, or by visiting the branch in person, the process is straightforward. Once linked, your Aadhaar number will serve as a primary identifier for many banking and government services.
Answer By Anik
Dear Client,
It is advised that you link your Aadhaar with your bank account in order to receive government subsidies or DBT benefits or for verification. There are multiple ways to link your Aadhaar with your bank account but it may depend on your bank. Here are the usual ways to complete this process –
1. Link Aadhaar via internet banking
a. Sign in via your bank's net banking site.
b. Find the update Aadhaar section.
c. Enter your Aadhaar number and submit.
d. You may need to confirm your transaction with some OTP sent to your registered mobile number.
2. Link Aadhaar via mobile banking app
a. Open your bank's mobile app.
b. Go to the services option and then to Aadhaar linking.
c. Enter your Aadhaar number and confirm.
3. Link Aadhaar via ATM
a. Insert your debit card into the ATM and enter your PIN.
b. Go to the services option and then to Aadhaar registration.
c. Enter your Aadhaar number and confirm.
d. Only some banks have the option to link Aadhaar with bank account like SBI.
4. Link Aadhaar via branch visit
a. You need to bring a self-attested copy of Aadhaar and your passbook or ID.
b. Fill out the bank's Aadhaar seeding form.
c. An official at the bank will check your documents and then pull up your record to link your Aadhaar to your bank.
5. Link Aadhaar via SMS
a. Send an SMS to your bank in the provided format.
b. You will receive a confirmation SMS with the details after the bank updates.
c. This is also only provided by some banks like SBI, HDFC, etc.
After you try any of these ways to link your Aadhaar to your bank account, your bank confirms your Aadhaar updating and you generally receive an SMS or email to confirm.
I hope this answer helps. For any further queries, please do not hesitate to contact us. Thank you.
Dear Client,
India Aadhaar card can be linked to a bank account (also known as Aadhaar Seeding) which is a common procedure. The major reason is to receive Direct Benefit Transfers of the government, including subsidies or pensions, which are usually sent via the Aadhaar Based Payment System.
These are the most popular methods of computerizing your Aadhaar with your bank account, online and offline. This might be slightly different with each bank, but the specific steps to follow may differ.
Online Methods:
• Using Internet Banking (Net Banking): And this is one of the fastest methods as long as both the bank and Aadhaar have your mobile number.
• Login in to the official Internet Banking portal of your bank with your Customer ID and password.
• Find a section on Aadhaar Linking, Aadhaar Seeding, Services, or e-Services. It can also be located frequently under the My Accounts or Requests tab.
• Select the feature, like 'Update Aadhaar with Bank Accounts.'
• You might be requested to provide your profile password in order to secure.
• Select the bank account(s) you want connected with and enter your 12-digit Aadhaar number twice.
Click 'Submit' or 'Confirm.'
The bank will check your details with UIDAI (Unique Identification Authority of India). When the linking is successful, you will get a confirmation message (usually in form of SMS) in your registered mobile number.
Using the Official Mobile App of the Bank:
• This is possible with the help of mobile applications of many banks (YONO by SBI, iMobile by ICICI).
• Log into your official bank application on the mobile.
• Go to the Services or Requests page.
• Search in Aadhaar Linking, View/ Update Aadhaar Card Details, or something like this.
• Enter Aadhaar number and submit.
• A confirmation will be sent to you when the request has been processed.
Offline Methods:
Through SMS
• There are now banks that offer the service of connecting through SMS using your registered mobile number.
• Send the SMS to the designated number used by the bank ( 567676 in case of some large banks).
• You shall be sent a confirmation note on whether the request has been accepted or not and subsequently linked or not.
By Visiting an ATM
• Come to one of the ATM centres of your bank.
• Swipe ATM/Debit card and PIN.
• Choose the menu services or registrations.
• Select either Aadhaar Registration or Aadhaar Seeding.
• Choose your Account Type (Savings/Current).
• Enter Aadhaar number (12 digits) and re-enter to confirm.
• Processing of your request will be logged in and you will get a confirmation SMS.
By Visiting the Bank Branch
• Go to the bank in your area.
• Bring a self-attested copy of Aadhaar card and the original Aadhaar card.
• Complete an Aadhaar linking application form (an Aadhaar Consent Form).
• Enter your bank account number, Aadhaar number on the form.
• Hand in the form and Aadhaar copy to the relevant official where he/she will check your original Aadhaar.
• The request will go through and you will be informed on your registered mobile number.
Checking the Linking Status:
• The official UIDAI site allows you to check which bank account receives your DBT payments at the moment:
• Visit the official UIDAI site (uidai.gov.in) or My Aadhaar portal.
• Select Check Aadhaar/Bank Account linking status (or Bank Seeding status).
• Use 12-digit Aadhaar number and security code (captcha).
• Click 'Send OTP.'
• Insert the OTP that was received on your mobile Aadhaar-registered mobile number.
• The site will show the Bank Seeding Status and the name of the bank which the Aadhaar is linked to at the present to obtain subsidies using the NPCI mapper.
Important Notes:
Registered Mobile Number: It is always important that your mobile number is added to your bank as well as Aadhaar to facilitate the process in particular when using it online to add links and getting OTPs.
NPCI Mapper: Once you link your Aadhaar, the bank updates the NPCI (National Payments Corporation of India) mapper. This is the main system through which government subsidies/DBTs are sent to the appropriate bank account. To associate Aadhaar with more than one account, the DBT amount will be deposited to one of the finals successfully seeded accounts.
I hope this answer helps; if you have any further questions please don't hesitate to contact us.
Thank you