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How to Link Aadhaar with Your Bank Account

Updated: Jan 13

Linking your Aadhaar number with your bank account is a simple process that is mandatory for various banking services and government schemes. It ensures seamless integration with services like Direct Benefit Transfers (DBT) and helps with Know Your Customer (KYC) compliance. Here's how you can link your Aadhaar with your bank account through different methods:

1. How to Link Aadhaar with Bank Account Online (Using Internet Banking)

Most banks offer the facility to link Aadhaar to your account through internet banking. Here's a general guide:

Steps:

  1. Log in to Internet Banking:

    • Go to your bank’s official website or open the mobile banking app.

    • Enter your username and password to access your account.

  2. Navigate to Aadhaar Linking Option:

    • After logging in, go to the 'Profile' or 'Services' section.

    • Look for an option like 'Link Aadhaar', 'Aadhaar Registration', or 'Aadhaar Seeding'.

  3. Enter Aadhaar Details:

    • You will be prompted to enter your Aadhaar number.

    • Enter the correct 12-digit Aadhaar number and submit.

  4. Verify the OTP:

    • You will receive an OTP (One Time Password) on your registered mobile number linked with Aadhaar.

    • Enter the OTP and submit.

  5. Confirmation:

    • After successful submission and verification, you will receive a confirmation message that your Aadhaar is now linked to your bank account.

Note:

  • This method is available for most major banks, such as SBI, HDFC, ICICI, Axis, etc.

  • Ensure that your mobile number is linked to your Aadhaar for OTP verification.

2. How to Link Aadhaar with Bank Account via SMS

If you do not have access to the internet banking facility, most banks also provide an SMS-based service to link your Aadhaar to your bank account.

Steps:

  1. SMS Format:

    • Send an SMS in the following format to your bank's designated number (check your bank's website or customer service for the correct number): <Aadhaar Number> <Space> <Bank Account Number> Example: 123456789012 1234567890

  2. Confirmation:

    • Once the bank receives the request, it will send a confirmation SMS indicating that your Aadhaar has been successfully linked to your bank account.

Note:

  • Ensure that your mobile number is registered with both the bank and Aadhaar for this to work.

  • This service may not be available with all banks, so check with your specific bank first.

3. How to Link Aadhaar with Bank Account Using Bank Branch

If you are unable to link Aadhaar to your account online, you can visit your bank branch and link your Aadhaar through the following process:

Steps:

  1. Visit the Bank:

    • Go to the nearest branch of your bank.

    • Visit the customer service desk or Aadhaar linking counter.

  2. Submit Aadhaar Details:

    • Provide your Aadhaar number and your bank account details to the bank official.

    • You will need to bring your Aadhaar card for verification.

  3. Complete KYC Formalities:

    • If required, the bank may ask you to fill out a KYC form (Know Your Customer) and provide a photocopy of your Aadhaar card.

    • The bank official will verify your details and initiate the process.

  4. Receive Confirmation:

    • After successful linking, you will receive an SMS or an email confirming that your Aadhaar has been linked to your bank account.

4. How to Link Aadhaar with Bank Account Using ATMs

Some banks allow you to link Aadhaar through the ATM machine as well. Here’s how to do it:

Steps:

  1. Go to the Nearest ATM:

    • Visit your bank's ATM and insert your ATM card.

  2. Select the Aadhaar Linking Option:

    • After entering your PIN, you will be given a menu of options.

    • Select the option that says “Link Aadhaar” or “Aadhaar Seeding”.

  3. Enter Aadhaar Number:

    • You will be asked to enter your Aadhaar number.

  4. Confirm the Linking:

    • After entering your Aadhaar number, the machine will send a request to link it with your account.

    • You will receive a confirmation message once the linking is successful.

5. How to Link Aadhaar with Bank Account Using UIDAI Portal

In some cases, you can link your Aadhaar directly to your bank account via the UIDAI (Unique Identification Authority of India) portal.

Steps:

  1. Go to the UIDAI Website:

  2. Check Aadhaar Linking Status:

    • Some banks allow you to check the status of Aadhaar linking through the Aadhaar Linking Status feature on the UIDAI portal.

    • You will need to enter your Aadhaar number to check whether it’s linked to your bank account.

Things to Keep in Mind:

  1. Mobile Number Linking: Ensure that your mobile number is linked with your Aadhaar. The bank will send an OTP to your registered mobile number for verification.

  2. Multiple Accounts: If you have multiple accounts with the same bank, ensure that you specify the correct account number when linking Aadhaar.

  3. Aadhaar Authentication: If there are issues with your Aadhaar (e.g., mismatched details), you may need to visit an Aadhaar Enrollment Centre to resolve them.

  4. Bank-Specific Process: The process might vary slightly depending on your bank, so always check the specific procedure with your bank or visit their website for detailed instructions.

Why Is It Important to Link Aadhaar with Your Bank Account?

  • DBT (Direct Benefit Transfer): Government subsidies and benefits (e.g., LPG subsidy, pension, scholarships) are directly transferred to your bank account through Aadhaar-based DBT.

  • Financial Inclusion: Aadhaar linking ensures that you have access to a wide range of financial services and government welfare schemes.

  • Compliance: Linking Aadhaar is mandatory for KYC (Know Your Customer) requirements set by the Reserve Bank of India (RBI) and other regulatory bodies.

  • Convenience: It streamlines your banking processes, reduces fraud, and enables easier identity verification for banking transactions.

Conclusion

Linking Aadhaar to your bank account is essential for availing various services and government benefits. You can link your Aadhaar using several methods, including internet banking, SMS, bank branches, ATMs, or through the UIDAI portal. It is a quick and easy process, and once done, it ensures a smooth banking experience and access to welfare schemes. Make sure to follow the correct process as per your bank’s requirements and enjoy the benefits of Aadhaar-linked services.

 
 
 

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