The Government of India has made it mandatory to link the Pradhan Mantri Jan Dhan Yojana bank account to your Aadhaar card. This is done under the Prevention of Money Laundering Act, which mandates everyone to link their Aadhaar number with all their financial documents. The Money Laundering Act was put in place to prevent any kind of bribe-taking or money laundering in the country.
Linking an Aadhaar Card with a Pradhan Mantri Jan Dhan Yojana bank account can be done online, by visiting an ATM, through SMS services, or by visiting the nearest branch of the Aadhar Card enrollment center.
Linking Aadhaar to a Pradhan Mantri Jan Dhan Yojana (PMJDY) bank account provides several benefits that enhance the account holder’s access to services. The advantages include easier access to government subsidies and benefits, faster direct transfers of funds from government schemes, simplified KYC processes, and better financial inclusion opportunities. These benefits help ensure a seamless banking experience while promoting the government’s goal of widespread financial empowerment. Read on to know more about it:
The important documents that are needed to link your PMJDY bank account to your Aadhaar card are mentioned below:
Linking your Pradhan Mantri Jan Dhan Yojana bank account to your Aadhaar number can be done through an ATM.
Follow the simple steps mentioned below to complete the linking via ATM:
Step 1 - Visit the nearest ATM along with your ATM card and Aadhaar number.
Step 2 - Swipe your card and then enter the PIN.
Step 3 - From the options displayed on the screen, select 'Service'.
Step 4 - Click on the 'Link Aadhaar' option.
Step 5 - The next step is to enter your Aadhaar number and re-enter the same to avoid duplication.
Step 6 - Click on the 'Submit' button to complete the linking.
Using SMS mode for the Aadhaar number and Pradhan Mantri Jan Dhan Yojana Bank Account is convenient and can be completed by following a few simple steps mentioned below.
Step 1 - As the number to which the SMS should be sent varies from bank to bank, you should check the right number provided for your bank. Along with the number, also find out the format in which the SMS should be sent.
Step 2 - Save the SMS to the mobile number provided by your bank.
Step 3 - Your Pradhan Mantri Jan Dhan Yojana bank account will be successfully linked to your Aadhaar number once the SMS is sent.
Follow the steps mentioned below if you want to link your Pradhan Mantri Jan Dhan Yojana Bank Account to your Aadhaar card through online mode:
Step 1 - Visit the PMJDY's official website.
Step 2 - Enter your user ID and password to login to your account.
Step 3 - On the home page, you can locate the option 'Link Aadhaar with bank account'. Click on the option.
Step 4 - It gets redirected to a new page, enter your Aadhaar number and click on the 'Submit' button.
Step 5 - Select the bank that you want to link with Aadhaar number and hit the 'Submit' button.
Step 6 - On doing this, you will receive an OTP on the Aadhaar-registered mobile number.
Step 7 - Enter the OTP and click on the 'Submit' button
Step 8 - Once you complete these steps, Aadhaar linking to PMJDY bank account will be initiated and will take 4-5 working days to get processed
You can also link your PMJDY bank account to your Aadhaar number by visiting your nearest Aadhaar enrollment center.
Follow the steps mentioned below to complete the Aadhaar and PMJDY linking through offline mode:
Step 1 - Visit the nearest branch along with your Aadhaar card and bank passbook. Don't forget to carry self-attested copies of your Aadhaar card and passbook.
Step 2 - Request for the 'Aadhaar Linking Form' from the official present at the desk.
Step 3 - Fill in the information like Aadhaar number, name, address, bank account, etc., correctly to avoid any delay in the process.
Step 4 - Attach the self-attested copies of the Aadhaar card and bank passbook with the form and hand it over to the official.
Step 5 - Once you submit all the documents, within 2-3 working days your bank account and Aadhaar number will get linked. You will also receive a confirmation message on your Aadhaar registered mobile number.
To find the nearest Aadhaar center, open the UIDAI website and click on Aadhaar services and enter your city, name, district and locality to locate your nearest enrollment center.
The Pradhan Mantri Jan Dhan Yojana bank account scheme was launched on 15 August 2014.
Yes, the mobile number should be Aadhaar registered as you will receive the OTP on the mobile, if you opt for online mode.
Yes. You can either opt for online or offline mode to update your date of birth. Not only that, you can also update other details mentioned on the Aadhaar card.
No, no fees will be deducted from your account while linking Aadhaar number with PMJDY bank account.
Prerna Surana is a Finance Content Writer with over three years of experience at Bank Bazaar. She specialises in creating insightful content on Credit Cards, Debit Cards, Taxes, and other BFSI products. Beyond finance, Prerna also writes about non-financial utility products such as Aadhar Card, Voter ID, and Government Certificates.
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