Link Aadhaar Card to Bank Account

Introduction

Link an Aadhaar card to a bank account is essential for availing various government benefits, subsidies, and services directly into your bank account. This guide will walk you through the process of link Aadhaar card to bank account, including various methods and steps.

Importance of Linking Aadhaar Card to Bank Account

1. Direct Benefit Transfer (DBT)

Linking your Aadhaar card to your bank account ensures that government subsidies, such as LPG subsidies, scholarships, pensions, and other welfare benefits, are directly credited to your account under the Direct Benefit Transfer (DBT) scheme. This reduces the chances of delays and ensures timely receipt of benefits.

2. Prevention of Fraud

Aadhaar linking helps in preventing fraud by eliminating duplicate and fake accounts. Since Aadhaar is a unique identifier linked to your biometric data, it ensures that each individual can only link their account with their own Aadhaar number, reducing the chances of fraudulent activities.

3. Financial Inclusion

Linking Aadhaar to your bank account is crucial for accessing various government schemes and initiatives aimed at financial inclusion, such as the Pradhan Mantri Jan Dhan Yojana (PMJDY). This ensures that even the most marginalized sections of society can benefit from formal banking services.

4. Easier Account Verification

Aadhaar serves as a universal KYC (Know Your Customer) document. When linked to your bank account, it simplifies the KYC process for opening new accounts, applying for loans, and performing other banking activities, as it provides a single source of identification.

5. Mandatory for Certain Transactions

The Reserve Bank of India (RBI) and various government bodies require Aadhaar linking for specific transactions, such as receiving subsidies, filing income tax returns, or applying for certain government services. Without linking, you may not be able to perform these essential financial activities.

Types of Aadhaar Card Linking to Bank Account

1. Single Account Linking

Link your Aadhaar card to one primary bank account where you wish to receive all government subsidies and benefits. This is the most common form of linking.

2. Multiple Account Linking

You can link your Aadhaar to multiple bank accounts. However, subsidies will only be credited to the first account linked to Aadhaar. This option is useful if you want to ensure that all your bank accounts are Aadhaar-compliant.

You may also want to know about Aadhaar Card Enrollment Centres

Methods to Link Aadhaar Card with Bank Account

1. Internet Banking

Step-by-Step Process:

1. Log in to Internet Banking: Access your bank’s Internet banking portal using your credentials.

2. Navigate to Aadhaar Update Section: Find the section dedicated to Aadhaar services or updates.

3. Enter Aadhaar Details: Input your 12-digit Aadhaar number in the provided field.

4. Verify OTP: An OTP will be sent to your registered mobile number. Enter this OTP to verify your request.

5. Confirmation: Once verified, you will receive a confirmation message on your screen and via SMS that you have successfully linked your Aadhaar card with your bank account.

2. Bank’s Mobile Application

Step-by-Step Process:

1. Open the Mobile App: You can update your bank account by adding your Aadhaar card details. Open your bank’s mobile banking app and log in.

2. Access Aadhaar Section: Go to the section labeled ‘Aadhaar Seeding’ or similar.

3. Input Aadhaar Number: Enter your Aadhaar number and confirm.

4. OTP Verification: Similar to internet banking, an OTP will be sent to your registered mobile number. Enter it to complete the process.

5. Confirmation: A confirmation message will be displayed on the app and sent to you via SMS.

3. Via ATM

Step-by-Step Process:

1. Visit an ATM: Go to your bank’s nearest ATM.

2. Insert ATM/Debit Card: Insert your card and enter your PIN.

3. Select Aadhaar Registration: Choose the option for ‘Aadhaar Registration’ or ‘Aadhaar Seeding’ from the menu.

4. Enter Aadhaar Number: Input your Aadhaar number twice for confirmation.

5. Confirmation Message: The ATM screen will confirm the successful linking, and you’ll receive an SMS as well for linking your Aadhaar with Bank Account.

4. By Visiting the Bank Branch

Step-by-Step Process:

1. Visit the Branch: Go to your bank’s branch with your Aadhaar card and bank passbook.

2. Fill Aadhaar Seeding Form: Request and fill out an Aadhaar seeding form.

3. Submit Form with Documents: Submit the filled form along with a photocopy of your Aadhaar card to the bank official.

4. Verification by Bank Official: The bank official may ask for your original Aadhaar card for verification.

5. Confirmation: After processing, the bank will send you a confirmation SMS about the successful linking.

5. Using SMS

Step-by-Step Process:

1. Compose SMS: Type a message in the format specified by your bank (e.g., ‘AADHAAR<space>12-digit Aadhaar number’) and send it to the designated number.

2. Receive OTP: An OTP will be sent to your registered mobile number.

3. Reply with OTP: Reply with the OTP in the format specified by your bank.

4. Confirmation: After verification, you’ll receive a confirmation SMS that your Aadhaar has been linked.

6. Through Customer Care

Step-by-Step Process:

1. Call Customer Care: Dial the bank’s customer care number.

2. Request Aadhaar Linking: Follow the IVR options or speak to a representative to request Aadhaar linking.

3. Provide Details: Share your Aadhaar number with the representative or input it as directed.

4. OTP Verification: Complete the process by verifying the OTP sent to your registered mobile number.

5. Confirmation: You will receive an SMS confirming the successful linking of your Aadhaar with a bank account.

Additional Methods

Some banks offer the facility to link Aadhaar at designated Aadhaar service centers. To complete the process, you can visit these centers with your Aadhaar card and bank passbook.

You may also want to know Aadhaar Card Centres in Delhi

How to Link Aadhaar Card with SBI Bank Account?

If you have an account with State Bank of India (SBI), here are the steps to link your Aadhaar card:

1. Online through Internet Banking

1. Log in to SBI Internet Banking: Go to the SBI Internet banking portal and log in.
2. Navigate to ‘My Accounts’: Select ‘Link Your Aadhaar Number’.
3. Enter Aadhaar Details: Enter your 12-digit Aadhaar number.
4. Submit and Confirm: Submit your details and confirm. You will receive a confirmation message once the linking is successful.

2. Through SBI Mobile App (YONO)

1. Open the YONO App: Open the YONO SBI app and log in.
2. Go to Service Requests: Navigate to ‘Service Requests’ and select ‘Link Aadhaar’.
3. Enter your Aadhaar Number: Input your Aadhaar number and submit.
4. OTP Verification: Verify using the OTP sent to your registered mobile number.

3. Via ATM

1. Visit SBI ATM: Insert your debit card and enter your PIN.
2. Select Aadhaar Registration: Choose the ‘Aadhaar Registration’ option.
3. Enter your Aadhaar Number: Input and confirm your Aadhaar number.

4. By Visiting the Branch

1. Visit the SBI Branch: Fill out the Aadhaar linking form.
2. Submit Form and Aadhaar Copy: Submit the form along with a photocopy of your Aadhaar card.
3. Receive Confirmation: Receive a confirmation message on successful linking.

Want to know how to download mAadhaar app

Checking Aadhaar Card Link to Bank Account

To check if your Aadhaar card is linked to your bank account, you can:

1. Visit UIDAI Website

1. Go to UIDAI Website: Visit the official UIDAI website.
2. Navigate to ‘Check Aadhaar & Bank Account Linking Status’: Under ‘Aadhaar Services’, select ‘Check Aadhaar & Bank Account Linking Status’.
3. Enter Aadhaar Number and Security Code: Input your Aadhaar number and security code.
4. Generate OTP: Click on ‘Send OTP’ and enter the OTP received on your registered mobile number.
5. View Status: The status of your Aadhaar linking will be displayed.

Application to Link Aadhaar Card to Bank Account

If you prefer offline methods, you can write an application to your bank manager requesting the linking of your Aadhaar card to your bank account. Here’s a sample format:

Sample Application Format:

[Name]

[Your Address]

[City, State, PIN Code]

[Date]

The Branch Manager,

[Bank Name],

[Branch Address],

[City, State, PIN Code]

Subject: Request for Linking Aadhaar Card to Bank Account

Dear Sir/Madam,

I, [Name], hold a savings/current account in your bank branch with account number [Your Account Number]. I request you to kindly link my Aadhaar card bearing number [Your Aadhaar Number] with my bank account.

Please find the photocopy of my Aadhaar card attached for your reference. I have also filled out the necessary Aadhaar seeding form provided by the bank.

I would be grateful if you could process my request at the earliest.

Thank you.

Yours sincerely,

[Signature]

[Name]

[Contact Number]

Linking Aadhaar and PAN Card to Bank Account

In addition to linking your Aadhaar card, linking your PAN card to your bank account is equally important for KYC compliance and other financial transactions. Here’s how you can do it:

1. Online through Internet Banking

1. Log in to Internet Banking: Access your bank’s internet banking portal and log in.
2. Navigate to ‘Service Requests’: Select ‘Update PAN’ or ‘Link PAN’.
3. Enter PAN Details: Input your PAN number and submit.

2. By Visiting the Branch

1. Visit Bank Branch: Fill out the PAN update form.
2. Submit Documents: Submit the form along with a copy of your PAN card.
3. Receive Confirmation: Receive a confirmation message once your PAN is linked to your bank account.

Conclusion

Linking your Aadhaar card to your bank account is a vital step towards streamlining your financial transactions and accessing government benefits effortlessly. Whether you choose the digital route or opt for a more traditional approach, the Aadhaar linking process is designed for ease and efficiency.

You can seamlessly avail yourself of various banking services and government schemes if you are aware that your Aadhaar details are accurate and up-to-date. An Aadhaar card update/correction makes it convenient to access any government policy and it is secure.