The Reserve Bank of India and the Indian Banks Association established the National Payments Corporation of India (NPCI), which serves as the country's retail payments executive. It seeks to offer reasonably priced and easily accessible payment methods throughout the country.
Aadhaar Enabled Payment System (AePS), National Electronic Funds Transfer (NEFT), Immediate Payment Service (IMPS), and Unified Payments Interface (UPI) are just a few of the retail payment systems that are managed by NPCI. For both individuals and companies, these systems provide smooth digital transactions, bill payment, and money transfers. To advance India's digital payments ecosystem, encourage financial inclusion, and move the country closer to a cashless economy, NPCI is essential.
The various benefits of NPCI Aadhaar linking are mentioned below
Direct Benefit Transfers (DBTs) and other government benefits require that your Aadhaar card and bank account be linked. Furthermore, this relationship improves security by facilitating effective transaction monitoring and reducing fraudulent activity. It is advised to finish this procedure as soon as possible in order to maximize your financial experience.
To link your Aadhaar and bank account through NPCI, you must follow the steps given below:
Step 1 - Visit the NPCI's official website
Step 2 - Select the "WHAT WE DO" option
Step 3 - After choosing NACH, click FAQS
Step 4 - Look for the question "AADHAAR SEEDING PROCESS?" under "FAQS ON APBS FOR CUSTOMERS." and select CLICK HERE FOR A VIEW
Step 5 - The Aadhaar seeding form will be displayed on the page you are taken to
Step 6 - Fill out the form after downloading it and carefully reading the instructions
Step 7 - Submit the completed form to the branch bank manager where you have an account. In the NPCI mapper, this will connect your bank account and Aadhaar number
Step 8 - Within two or three working days of your request being processed, you will receive an SMS notice with the linking status.
It is essential to link your bank account and Aadhaar number for several reasons such as:
Here are steps for checking the status of your NPCI Aadhaar linking to your bank account as follows:
Step 1 - Visit the UIDAI official website.
Step 2 - Click on ‘Aadhar Services’ under the ‘My Aadhar’ tab.
Step 3 - click on 'Check Aadhaar/ Bank Linking Status' from the drop-down menu.
Step 4 - Enter a virtual ID or the Aadhar number.
Step 5 - Enter the captcha code displayed on the screen.
Step 6 - Click on ‘Send OTP’ option to receive OTP.
Step 7 - Click on ‘Submit’ after entering the OTP received on your registered mobile number to view your Aadhaar and bank account linking status.
Step 8 - A new page will open displaying the linking status.
To change your bank account to NPCI mapping, follow these steps:
Use the NPCI Link to Bank Account form, which is accessible on the NPCI website, to quickly and easily link your Aadhaar to your bank account. Just complete the form by providing your IFSC code, bank account number, and Aadhaar number, and send it to your bank.
There are some limitations of NPCI Aadhaar linking to your bank account. Some of them are given below;
For those who need to make sure their Aadhaar-based payments are sent to the right bank, the NPCI mapper is essential. The Aadhaar number of the intended receiver and the IIN (Issuer Identification Number) of the bank that seeded it are both listed in the NPCI mapper. In this method, you can be sure that your money will be processed successfully and without any hassle.
If your Aadhaar has not been mapped to NPCI, you must visit your bank's branch and inquire about it. Complete the essential steps to ensure the mapping is successful.
Call the number *99*99# from your registered mobile number. It is the easiest way to check the status of your linking of Aadhaar to your NPCI.
It will take up to 2 days for the seeding of Aadhaar to NPCI to be completed.
It takes around 48 hours of time for seeding Aadhar with NPCI.
The connection status of Aadhar and bank account can be verified on the UIDAI website, uidai.gov.in. To receive the DBT, individuals must visit the bank where their account was formed and request that Aadhar be linked to their account by filling out the consent form.
Yes, if the bank delays the mapping process, then you can approach the bank nodal officers to speed up the process.
No, you will not be required to pay anything to seed your Aadhaar with NPCI.
No, Aadhar seeding is not required for bank accounts, however it can be used as one of the necessary documents, such as address verification or identity evidence.
Linking NPCI with Aadhaar facilitates quick and easy direct benefit transfers, simplifies and speeds up low-risk electronic transactions, and makes consumer screening simple.
The Unique Identification Authority of India (UIDAI) will launch a new Aadhaar app. The app currently is in the testing phase and offers upgraded features such as identity verification with QR codes and facial scans. With the new Aadhaar app, users can securely share their Aadhaar details with hotels, airports, and other entities without the need for a hard copy. The app aims to make the Aadhaar verification as easy as making UPI payments. It is currently available to a small group of users who participated in the Aadhaar Samvaad event and based on the feedback from users and partners, UIDAI will make it available to everyone soon.
Nishit Kunal, currently working as an Editor has been with BankBazaar for over 5 years with expertise in writing on loan, credit cards, etc. When not working, Nishit dabbles between being a cinephile, writing, and playing with his dogs.
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