How to Link an Aadhaar Card with Pradhan Mantri Jan Dhan Yojana Bank Account?

The government has made it mandatory to link Aadhaar with Jan Dhan account for receiving several benefits associated with the Pradhan Mantri Jan Dhan Yojana scheme.

You can link your Jan Dhan account with the Aadhaar card online or offline. Alternatively, you can link it through SMS or by visiting an ATM. Here is a detailed step-by-step guide to link Aadhaar with the Jan Dhan account through all four methods. 

Also read: How To Link PAN Card And Aadhaar Card Online And Via SMS

Online Aadhaar Link with Jan Dhan Account

You can link your Jan Dhan account with Aadhaar online through the official portal of PMJDY. The online process is quite fast and simple. Here’s what you need to do:

Step 1

 Go to the official portal of Pradhan Mantri Jan Dhan Yojana.

Step 2

 Now, enter your credentials and log into your account. 

Step 3

 Locate and click on the ‘Link Aadhaar with bank account’ option on the homepage.

Step 4

 A new webpage will open. Here, you have to provide your 12-digit Aadhaar number and then click on ‘Submit’. 

Step 5

 Now, choose your bank from the list and click on ‘Submit’. 

Step 6

You will receive an OTP on the mobile number that is registered with your Aadhaar card. Enter the OTP and tap on ‘Submit’.

The process for linking Aadhaar with your Jan Dhan account will be initiated and will be complete within a few days.

Offline Aadhaar Link with Jan Dhan Account

If you do not have a mobile number registered with your Aadhaar, you can link Jan Dhan account with Aadhaar offline by visiting the nearest bank branch. Follow these steps:

Step 1

 Go to your bank branch and ask for the Aadhaar linking form. You should remember to take the bank passbook and original Aadhaar card. In addition, you will require self-attested copies of your passbook and Aadhaar card.

Step 2

 Fill out the form correctly. Provide all necessary information such as bank account number, address, Aadhaar number, etc. Recheck the details before submitting. 

Step 3

 Submit the form along with self-attested copies to the concerned officer.

Once you complete the process, your bank account will be linked with your Aadhaar card within 2-3 working days. 

Link Aadhaar with Jan Dhan Account via SMS

The process to link Aadhaar with the PMJDY account through SMS is highly convenient. However, you have to send the SMS from the mobile number that you have registered with your Jan Dhan account. 

Every bank has a unique format in which the customers should send the SMS for linking their account with Aadhaar. Moreover, the number to which you have to send the SMS also varies from one bank to another. 

After checking the SMS format, the mobile number provided for your bank, send the SMS. Your Jan Dhan account will be successfully linked with your Aadhaar. 

Link Aadhaar with Jan Dhan Account via ATM 

In addition to the three above-mentioned processes, you can link your PMJDY bank account with Aadhaar by using your ATM card. Here’s what you need to do:

Step 1

 Visit your nearest ATM along with your Aadhaar card. 

Step 2

Insert the ATM card and enter your PIN. 

Step 3

 Choose the ‘Service’ option from the list of options displayed on the screen.

Step 4

 Tap on ‘Link Aadhaar’ and then enter your Aadhaar number. Re-enter the number for confirmation.

Step 5

 Finally, click on ‘Submit’ to complete this process. 

Also read: Everything You Need To Know About Aadhaar KYC 

Final Word

Individuals can link Aadhaar with Jan Dhan account in any of the four above-mentioned ways. You can choose a process as per your preference. Your Aadhaar will be successfully linked with your PMJDY account within a few working days after the initiation of the process.  

Frequently Asked Questions

What are the documents required for linking Aadhaar with Jan Dhan accounts?

You have to keep the following documents handy while applying to link your Jan Dhan account with your Aadhaar:

• Aadhaar card
• Bank passbook
• ATM card

In addition to this, you will also have to register your mobile number with your Aadhaar for the OTP that you will receive via SMS.

What are the benefits of linking Aadhaar with a PMJDY account?

You can avail the following benefits if you link Jan Dhan with Aadhaar:

• A total of Rs. 1.30 lakh benefit from the central government that would include accident insurance worth Rs. 1 lakh and general insurance of Rs. 30,000. 
• An overdraft facility of Rs. 10,000
• Benefits of various government schemes such as Atal Pension Yojana, Pradhan Mantri Mudra Yojana, etc.

Do I have to pay any fee for linking Aadhaar with Jan Dhan? 

As per the government mandate, you do not have to pay any charge for linking Aadhaar with your Pradhan Mantri Jan Dhan Yojana Account. Moreover, no amount will be deducted from your bank account for this purpose. 

What is Jan Dhan-Aadhaar-Mobile initiative? 

 Jan Dhan-Aadhaar-Mobile or JAM is a Government of India initiative to link Jan Dhan accounts, Aadhaar cards and mobile numbers of account holders. This will help to transfer all subsidies directly, thereby eliminating any intermediaries or leakages. The government proposed this initiative first in the Economic Survey of 2014-2015. 

Should my mobile be registered with Jan Dhan account and Aadhaar?

Yes, it is essential to have your mobile number linked with your Aadhaar if you are willing to link your Aadhaar with your Jan Dhan account via online mode. If you wish to link them via SMS, you should also register your mobile number with your PMJDY account.

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