How to Link Mutual Funds with Aadhaar Number

On this page, we will give you information on how to go about linking your mutual funds with your Aadhaar number. The page contains info regarding Aadhaar linkage by online means, offline means, and through SMS.

Methods to Link Aadhaar Number with Mutual Funds

Linking Aadhaar number with a mutual fund is a simple and one-time process. The seeding is expected to help government in figuring out the legality of an investment or a transaction.

There are three ways to link Aadhaar number with mutual fund:

Link your Aadhar with Mutual Funds via Online through Mutual Fund Registrars

Linking your Aadhaar number and mutual funds is easy, but ensure that the phone number registered with Aadhaar is operational to receive one time password (OTP) message. Mutual fund holders have the flexibility to complete the linking process with mutual fund registrars and not visit each fund house individually.

Most of the registrars provide online tools to help complete the Aadhaar linkage process. Leading registrars such as CAMS (computer age management systems), Karvy, Fraklin Templeton and Sundaram BNP Paribas allow customers to link their Aadhar with mutual funds online. Investors can visit the website of the registrar that services their mutual funds product and follow the steps mentioned below:

Steps to Link Aadhaar and Mutual Funds with CAMS

Below mentioned are the step-by-step procedure that will help you complete the process:

Step 1: Visit CAMS official website: Click on the ‘Investor service" menu and select ‘Link Your Aadhaar' option displayed on the left side of the page. Else an investor can visit the following website directly for linking:

Step 2: Enter your PAN number

Step 3: Select either mobile or date of birth or email in the 2nd box

Step 3: Enter the details according to the selected option in the respective box

Step 4: Click on the ‘verify’ button

Step 5: It will redirect to a new page, where you enter your Aadhar number, and the registered mobile number. email ID is optional

Step 6: Click on the ‘Generate OTP’

Step 7: An OTP will be generated to the registered mobile number, type in the OTP and click on the ‘Submit’ button

Step 8: On successfully completing the steps, you will receive a confirmation message

Steps to Complete Mutual Funds-Aadhaar Linking with KARVY

If your Mutual Funds are held with Karvy as the registrar, Aadhaar and Mutual fund linkage can be accomplished from the Karvy's website. Given below are the steps to guide you through:

Step 1: Visit the official website of Karvy

Step 2: Click on the ‘Link your Aadhar’ tab

Step 3: Under the online linking process, enter your PAN and click on the ‘Generate OTP’ button. Remember to link your mobile and Aadhaar beforehand to avoid any last-minute hassle

Step 4: An OTP will be generated to the registered mobile number or email ID

Step 5: Tick the mutual fund scheme that you have or want to link and click on the consent confirmation box

Step 6: Enter the Aadhar number in the respective box and click on the ‘Submit’ button

Step 7: The above steps complete the linking process successfully. The investor will get a confirmation message from Karvy regarding the linking process.

How to Link Mutual Funds and Aadhaar with Franklin Templeton Portal

In case an investor is holding mutual fund schemes offered by Franklin Templeton (FT) India, he should link his Mutual fund folios through the FT portal. The investor can’t link his Aadhaar number to FT folios from any other website. Following are the steps to link your Aadhar and mutual funds on the FT portal:

  1. Visit the Franklin Templeton portal:
  2. Click on the "Customer service" option
  3. Under the Instant services tab, select the “Update Aadhar number” option
  4. The page gets redirected to a new page, enter your PAN card number against the given box
  5. In the select box, click on the arrow to select the most preferable option. The options include Date of Birth/Pin Code/ Last Transaction Amount
  6. Enter the details of the selected option and click on the “Next” button
  7. On the next page, enter the bank account number that is registered with Franklin Templeton during your investment
  8. Click on the “Next” button
  9. Enter the 12-digit unique identification number in the respective field and click on the “Submit” button
  10. On completing the above steps, you will receive a confirmation message on your Aadhaar registered mobile number and personal email ID

List of Mutual Fund Companies to Which CAMS/ KARVY Provide Service

Karvy - the oldest among all mutual fund registrars—provides services to nearly 90 fund houses. Listed below are the mutual fund houses which are held by CAMS and KARVY

  • L&T Mutual Fund
  • HDFC Mutual Fund
  • ICICI Prudential Mutual Fund
  • DSPBR Mutual Fund
  • HSBC Mutual Fund
  • IIFL Mutual Fund
  • IDFC Mutual Fund
  • PPFAS Mutual Fund
  • Birla Sunlife Mutual Fund
  • SBI Mutual Fund
  • Tata Mutual Fund
  • Kotak Mutual Fund
  • Mahindra Mutual Fund
  • Shriram Mutual Fund
  • Union Mutual Fund
  • LIC Mutual Fund
  • Canara Robeco
  • Axis Mutual Fund
  • Reliance MF
  • DHFL Pramerica Mutual Fund
  • Motilal Oswal Mutual Fund
  • Peerless Mutual Fund
  • Baroda Pioneer Mutual Fund
  • BOI AXA Mutual Fund
  • IDBI Mutual Fund
  • Taurus Mutual Fund
  • INVESCO Mutual Fund
  • Mirae Asset Mutual Fund
  • Principal Mutual Fund
  • Quantum Mutual Fund
  • UTI MF
  • JM Financial Mutual Fund

Steps to Seed Aadhaar-mutual funds by Registering with the Funds House

If an individual is a new investor or has an investment in a single funds house, he can link his Aadhaar with the mutual funds account after making an investment. Below mentioned are some of the easy steps to complete the linking process by registering with funds house.

  1. Visit the particular funds house’s website
  2. Enter your PAN number
  3. Select the option that reads, “You are not KYC compliant”
  4. Enter the mobile number that is registered with Aadhaar number and fill all the other details carefully to complete the steps

Steps to Link Aadhaar and Mutual Funds Account Using SMS

The Aadhaar and mutual funds seeding method is easy. Follow the simple steps to complete the linking process:

Step 1: Correctly type "ADRLNK < space > < PAN > < space > < AADHAAR NUMBER > < space > < Y >" on your mobile phone’s keypad

Step 2: Send the typed message to 9212993399 from the phone number that is registered with Karvy

Step 3: On completing the procedure, you will receive a confirmation message.

Important Point:

Remember “Y” in the typed message stands for your consent to link the 12–digit UIN to all the mutual funds serviced through Karvy.

Offline Process to Add Mutual Funds with Aadhaar

The physical KYC process followed by the registrars is commonly known as offline mode. The registrars like CAMS and KARVY offer the option of linking Aadhaar and mutual fund folios offline. The process is beneficial for those investors who don’t have an email ID or mobile number mentioned on their mutual fund account. Below mentioned are the steps to link Aadhaar and mutual funds offline:

Step1: Visit your registrar’s website and download the KYC form.

Step2: Fill the form, don’t forget to mention the folio number and attach a self-attached Aadhaar card.

Step3: Submit the form for linking at registrar's office or customer care center.

FAQ's on Linking Mutual Funds with Aadhaar Card

  1. If there are more than one account holders for a mutual fund, what are the steps to be followed?
  2. For a mutual fund that has more than one account holders, Aadhaar number of all the holders should be linked to the folio.

  3. Is there a way to link mutual funds in demat account to Aadhaar?
  4. Yes, an investor can easily link a mutual fund that is in demat form by approaching the depository participant and need not visit the registrars or fund houses.

  5. What are the different sources to download the linking form when a customer applies for offline mode?
  6. A mutual fund investor can download the form from the websites of the transfer agents, association of mutual funds of India, fund houses, and registrars.

  7. Does Aadhaar and mutual fund linking is applicable for even NRIs, non-individuals and HUF’s?
  8. No, for NRIs, non-individuals and HUFs, the Aadhaar-mutual fund linking is not possible from the CAMS website. However, through Karvy’s website non-individuals can complete the linking process.

  9. After completing the linking process either through CAMS or KARVY, will the investor receive any notification from UIDAI?
  10. Yes, an investor will receive an email confirmation from the UIDAI mentioning the Aadhar number, OTP, date, time and the registrar’s name.

  11. Can the linking process be done through mutual fund distributor?
  12. Yes, the seeding process can be accomplished offline through a mutual fund distributor.

This article is intended for informational purposes only. For more information please refer the link(s) provided above or visit

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