How To Link Aadhaar With A Bank Account?
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7 February 2022Linking your Aadhaar with your bank account is not a mandatory process. However, if you still choose to do so, there are several benefits that you can enjoy. For instance, refunds after income tax filing become seamless and convenient.
If you decide to link the two, understanding the detailed procedure is imperative.
Table of contents
Purpose of Linking Aadhaar with Bank Account
Here are some advantages that you will get by linking your Aadhaar with your bank account:
- You can easily open another bank account and avoid the stringent KYC procedure.
- After linking your Aadhaar with your bank account, you will be able to enjoy the direct credit of subsidies that the government offers on LPG, sugar, kerosene, etc.
- Aadhaar enabled accounts are usually considered as secure as UIDAI gets all the verification done before allotting the Aadhaar number.
There are some online and offline methods that individuals can use to link their Aadhaar with a bank account. Here are some procedures mentioned below to help you get this done within a few minutes.
Also Read- What To Do If You Haven’t Received Your Aadhaar Card?
Procedure of Linking Aadhaar with Bank Account Online
The online process is quite easy, and you can complete the entire process from the comfort of your home. Know the available online methods here.
Via Net Banking
Step 1
In order to begin this process, you will have to use your bank’s net banking feature to log in to your bank account. You will require your customer ID and password for this.
Step 2
Once logged in, you will find the ‘Aadhaar Seeding’ option over there. Click on it to proceed further.
Step 3
Here, you will have to provide your Aadhaar details. Upon submitting the required information, you will receive a confirmation message once the verification part is done.
Via Mobile Application
Step 1
You need to check if your bank’s mobile application is available. Download the app, if available.
Step 2
Now, use your credentials to log in to the app. On the home page, under ‘Service Request’, select the relevant option.
Step 3
Next, you will have to provide your Aadhaar details and click on ‘Submit’ to complete the procedure.
Once the verification process is complete, you will receive a notification confirming that your bank account is linked with your Aadhaar.
Also Read- How To Apply For Aadhaar Card?
Process of Linking Aadhaar with Bank Account Offline
Those who are not so tech-savvy can opt for the offline process. In that case, they can simply visit the concerned financial institution or ATM.
Via branch visit
You can follow these simple steps to link Aadhaar with your bank account:
Step 1
Individuals have to collect the ‘Aadhaar Linking’ application form after visiting the nearest branch of the respective bank.
Step 2
They need to fill out the form by providing necessary information like bank account details, Aadhaar number, etc.
Step 3
Now, the applicant needs to submit this form along with a self-attested photocopy of his/her Aadhaar card.
Once this process is complete, it will take around 24 hours to get the verification process done. The applicant will also receive a confirmation SMS regarding this on the registered phone number or email ID.
Via an ATM
You will find the procedure to link your bank account with Aadhaar using an ATM here:
Step 1
You need to visit the nearest ATM of the respective bank.
Step 2
Now, insert your debit card and enter the PIN. You will get to see the menu over there.
Step 3
From those options, you need to select the one that allows you to link Aadhaar with your bank account.
Step 4
Make sure to provide your Aadhaar number correctly in the next step and click on ‘Submit’ to finish the process.
After the completion of this process, you will receive a confirmation message mentioning that your Aadhaar is linked with your bank account.
Process to Check If Your Aadhaar Number is Linked to Your Bank Account
In case you are not sure whether your Aadhaar number has been linked with your bank account, you can also use UIDAI’s website to check the same. The process involves the below-mentioned steps:
Step 1
Go to the online portal of UIDAI and look for the ‘Check Aadhaar and Bank Account Linking status’ option.
Step 2
When you click on it, it will redirect you to another page where you have to provide your 12-digit UID as well as the security code.
Step 3
After that, click on ‘Send OTP’ to receive a one-time password on your phone number.
Step 4
Make sure to enter the accurate OTP to log in. Here, you will get to see the bank account and Aadhaar linking status.
Also Read- How To Add Your Mobile Number To An Aadhaar Card?
Final Word
Owing to the Central Government’s Digital India movement and technological advancements, linking Aadhaar with a bank account barely takes a few minutes. With a range of benefits available to account holders, Aadhaar and bank account linking is one of the first steps that one must take after opening a bank account.
Frequently Asked Questions
Ans: When you link Aadhaar with your bank account, UIDAI sends only your Aadhaar number, name, and biometrics to the bank. However, note that the bank does not share your account details with the government body.
Ans: Aadhaar is a preferred KYC document for all banking services. However, if you wish to submit other documents instead of Aadhaar for your bank account activities, you are free to do so. Aadhaar linking to a bank is mandatory only if you wish to receive subsidies or benefits under the government’s schemes.
Ans: You can link as many bank accounts as you want with your Aadhaar. However, if you are eligible to receive subsidies, you will get those in only one such account. The government will consider the latest bank account that you seed with your Aadhaar number when crediting subsidies.
Ans: You cannot check whether all your bank accounts are linked with Aadhaar using UIDAI’s website. Through that website, you will only find information regarding the latest account linked. To know whether your other accounts are linked, you must check with the relevant banks.
Ans: Linking your bank account and Aadhaar is possible via SMS only if your bank offers this service. Ask your bank about the SMS format and the number to which you must send this message. After sending the SMS, you should receive an acknowledgement message from the bank notifying you that the linking is complete.
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