How to Link Aadhaar Card to Bank Account?

The Aadhaar card has become an essential document for Indian citizens, serving as a means of verifying identity and address. One crucial aspect of the Aadhaar card is its linkage to a bank account. Not only is this linking process obligatory, but it also brings multiple advantages to individuals as well as the banking system.

According to government regulations, it is compulsory to link Aadhaar with bank accounts {under the Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, 2017)} to access benefits from various government schemes, including welfare programs, direct cash transfers, scholarships, and pensions. This linkage will facilitate quicker income tax refunds for individuals and help deter fraudulent activities. Aadhaar linking to Bank account has also been made mandatory when you open an account as well as for any financial transaction of Rs 50,000 and above. This important linking process can be completed via both online and offline methods conveniently and quickly.

Linking Aadhaar Number with Bank Account Online 

There are two ways by which you can link your Aadhaar number with your bank account online:

- Internet Banking

- Mobile Application

Linking Aadhar to Bank Account through Internet Banking  

To link your Aadhaar with your bank account, you can use Internet banking. Here’s how to do it:

1. Open your bank's internet banking portal.

2. Enter your username and password to log in.

3. Navigate to the "My Account" section and select "Update/Link Aadhaar with Bank Accounts ."

4. Enter your profile password for Aadhaar registration.

5. A new page will show up where you'll need to enter your Aadhaar number twice.

6. After entering the details, click on the "Submit" button.

Once you have successfully submitted your Aadhaar details, you will receive a confirmation notification.

How to do Aadhar Bank Linking through Mobile App?

Many banks enable you to carry out your Aadhaar linking to bank accounts via their mobile application. Here are the typical steps you need to follow:

Step 1: Download the mobile banking app from either Google Play Store or App Store.

Step 2: Launch the app and enter your account credentials (username and password). Complete any security verification if prompted.

Step 3: Navigate to "Requests" or "Service Requests," or a similar option.

Step 4: Find the choice that reads “Link Aadhaar” or “Update Aadhaar Number,” or something similar.

Step 5: Choose the account where you  want to link your Aadhaar details.

Step 6: Input your Aadhaar number (you might have to re-enter it for validation).

Step 7: Agree to any applicable terms and conditions, if required.

Step 8: Click on 'Update/Confirm' or another equivalent option.

Link Aadhaar with Bank Account through Branch  

Linking your Aadhaar card to your bank account at a branch is a quick and hassle-free process, thanks to the efficient support from bank staff. Here’s how you can carry out Aadhaar bank account linking, offline:

1. Visit your nearest bank branch.

2. Carry your Aadhaar or e-Aadhaar card with you.

3. Request and fill out the Aadhaar card link with Bank account form.

4. Attach a copy of your Aadhaar card with the form.

5. The branch staff will verify your details and process the Aadhaar linking.

6. Once completed, you will receive an SMS on your registered mobile number confirming the Aadhaar-bank account link status.

Link Aadhar with Bank Account through ATM  

Here’s how to link your Aadhaar to your bank account at an ATM:

Step 1: Visit your bank's ATM.

Step 2: Insert your debit card and enter your PIN.

Step 3: Select the option to link Aadhaar from the menu.

Step 4: Enter your Aadhaar number and confirm it when prompted.

How to Check Aadhar Bank Link Status?  

Check Aadhaar Card Link to Bank Account Status Online

Follow these simple steps to verify your Aadhaar-bank account link status on the UIDAI website:

1. Visit the UIDAI website (https://uidai.gov.in/my-aadhaar/avail-aadhaar-services.html) and select "Check Aadhaar/Bank Linking Status."

2. You will be redirected to the bank mapper page. Enter your UID/VID, security code, and click "Send OTP."

3. An OTP will be sent to your mobile number registered with UIDAI. Enter the OTP and click "Submit."

4. The screen will display the bank account linked to your Aadhaar.

5. If you have multiple accounts with the same bank, visit the bank to confirm which account is linked.

Check Aadhaar Card and Bank Account Linking Status Through Mobile

You can also verify the status of your Aadhaar-bank account link using a USSD code from your mobile phone, provided your mobile number is registered with UIDAI.

Here’s how:

1. Dial *99*99*1# from your UIDAI-registered mobile number.

2. Enter your 12-digit Aadhaar number.

3. Re-enter the Aadhaar number and press "Send."

4. The status of your bank account linkage will be displayed. If no information appears, your bank account may not be linked to your Aadhaar.

Check Aadhar Bank Linking Status via mAadhaar 

You can also check your Aadhaar-bank account linking status using the mAadhaar app by following these steps:

1. Open the mAadhaar app and log in.

2. Select ‘Aadhaar-Bank Acc Link Status’ from the ‘My Aadhaar’ menu.

3. Enter your Aadhaar number and the security captcha, then tap ‘Request OTP.’

4. Enter the OTP sent to your registered mobile number and click ‘Verify’ to view your linking status.

Benefits of Linking Aadhaar Card and Bank Account:  

Linking your Aadhaar card to your bank account offers multiple benefits and ensures compliance with legal requirements. Here are a few reasons on why it's essential:

• Enhanced Security: Linking your Aadhar to your bank account ensures that all your financial transactions are secure. It acts as a protection layer to keep your money safe and sound.
• Government Benefits: Some government subsidies are only accessible if your Aadhaar is linked to your account. Forgetting to link could lead you not being eligible for these benefits. By linking, you ensure you’re maximizing the benefits that the government offers.
• Ease of Account Opening: Opening a new bank account, opening a demat account, etc if you use your Aadhaar number. This will ensure your Aadhaar is linked to your bank account since inception. You can avoid additional paperwork and delays.

Thus, bank account and Aadhaar linking is a straightforward process, helps with regulations can be significant.