Aadhaar card is essential to avail benefits from government run social schemes. In addition, the government has mandated linking of Aadhaar card to many utility services such as banking, Provident Fund, Insurance and mobile services. Aadhar—a 12-digit unique identity number assigned by UIDAI—should be linked to bank accounts to avoid discontinuation of services.
To make everyone comply, the government has instructed the banking organizations to send notification to consumers, asking them to link Aadhaar with their Bank accounts. The last date to complete the linking process is 31 December 2017.
Aadhaar number must be linked with bank account by December 31, 2017
The Reserve Bank of India dismissed all reports that implied that it was not necessary to link Aadhaar numbers to the customer’s bank account.
A Gazette Notification has been issued by the Indian government making it compulsory for Aadhaar and Permanent Account Number to be furnished for opening a bank account. However, the Reserve Bank of India or RBI has not issued an instruction as such but has provided customers with guidelines.
Recently, the Reserve Bank in a statement said that, in certain applicable cases linkage of Aadhaar number to the bank account is compulsory under the Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, 2017 as per the the central government’s Gazette Notification GSR 538(E) dated June 1, 2017.
Methods to Link Aadhaar to Bank Account
The linking process is extremely easy and can be accomplished in few simple steps. The steps are almost same for all the banks. Broadly, there are two ways to link an Aadhaar number with bank account. Offline method can be completed by filling Aadhaar application form and physically submitting it to the bank. The most efficient method is, of course, online linking, which can be accomplished by filling the Aadhaar details using net banking facility.
8 Steps to Link Bank Account with Aadhaar through Branch Channel
The users who don’t have net banking facility can complete the linking process by visiting their bank's website. Below mentioned are the steps that will help customers to accomplish the linking process.
Step 1: Download the Form No 1 and take printout.
Step 2: Fill in the all the details like name of the bank and name of the branch carefully.
Step 3: Fill the boxes provided against bank account number, name, address, Aadhaar number, gender, and mobile number.
Step 4: Ensure to complete the details like place, date and consumer signature.
Step 5: Attach a photocopy of Aadhar card with the application form.
Step 6: Visit the nearest bank to submit the form. Once the representative at the bank receives the form, he/she will enter the details in the system.
Step 7: He will also confirm whether the applicant will receive seeding confirmation form or the applicant has to submit few more documents.
Step 8: Once everything is ensured, banking official should sign the form.
Note:The applicant should carry his original Aadhaar card to the bank for verification.
Use 9 Easy Steps for Aadhaar Linking through Internet Banking
Linking bank account with Aadhaar using online method is easy. A customer can complete the process sitting at home. Mentioned below are the steps:
- Firstly, a customer should enroll for internet banking services in a bank that offers Aadhaar mapping to its customers.
- Login to the internet banking account by entering username and password.
- When a customer is logged in on the bank’s page, he should look for the link that reads “Aadhaar Card Seeding” or “Update Aadhaar Card details”.
- Click on the link to open the page.
- Enter the necessary information correctly in the respective fields and cross check to avoid providing any wrong information.
- Hit the “Submit” button and the form gets saved in the bank’s database.
- Bank’s officials will verify the information provided.
- After verification, the application will be processed internally. In case, there are mismatch in the information provided, the bank’s officials will send notification.
- The customer will be intimated through mobile or email about his application status.
Follow 6 Steps to Check if the Bank Account is Linked with your Aadhaar Number?
Customers who apply for Aadhaar Card can also verify the status of their application by following few simple steps given below:
Step 1: Visit the UIDAI’s official website uidai.gov.in
Step 2: Under the Aadhaar service category select “Check Aadhaar & Bank Account Linking status”.
Step 3: Enter the 12-digit UAN number and the security code that is displayed beside the given box.
Step 4: After entering the details click on “Send OTP”, and an OTP will be sent to the Aadhaar linked mobile number.
Step 5: Enter the OTP and click on “Login”.
Step 6: Once the verification is complete, the message will read “Congratulations! Your bank Aadhaar mapping is done”. Other details like the linking status, date and bank’s name will be shown.
How to check if Aadhaar is linked to bank account by using SMS services?
Customers can anytime check their Aadhaar status by following below mentioned steps:
- Customers should dial *99*# in their mobile
- Enter the Aadhaar number correctly
- Press 1 in the keypad
- On completing the steps mentioned above, a customer will know the name of the bank to which the Aadhaar card is linked.
3 Benefits of Aadhaar-Bank Linking
Linking Aadhaar with bank accounts benefits individuals as well as government in the following ways:
- Direct Deposit of the various subsidies in the bank account
- To verify whether the scheme is reaching in the right hands
- Government can figure out the individuals who benefit from government schemes.
Why should you link Aadhaar with your bank account before December 31, 2017?
Aadhaar program was started in 2009 with an objective to provide universal identity for every Indian citizen. People who initially enrolled in Aadhaar program faced number of issues in terms of technical snags and incorrect data displayed. However the importance of Aadhaar back then was quite unclear. After sometime, all the issues were resolved and people are now able to get the Aadhaar card with much ease.
Linking Aadhaar number with the bank account has now become mandatory. In fact public and private sector banks in India have been constantly sending reminders to their customers through SMS and emails to link their Aadhaar with their bank account before December 31, 2017. Those bank accounts that are not linked to Aadhaar before the deadline will soon be ceased from all the operations. However, the banks cannot make the accounts un-operational before December 31, 2017 due to the non-compliance with the Aadhaar linking requirement.
One can get your ceased account back to operation by submitting all the required documents to the bank. However there is no clarity on how long it would take to retrieve your bank account once it is frozen.
Who are eligible to link Aadhaar to bank account?
All the Indian residents who are eligible to apply for Aadhaar should link their Aadhaar number with their bank accounts. However NRIs are not eligible for this and it’s suggested that they disclose their non-residence status to the bank officials with the proof.
One good news is that, not all the bank accounts will become un-operational if they are not linked with the Aadhaar before the deadline. Small bank accounts do not need Aadhaar to be linked.
A small bank account here means:
- The aggregate of all credits in the given financial year does not exceed more than Rs.1 lakh.
- The aggregate of all the withdrawals and transfers that take place in a month does not exceed Rs.10,000.
- The total balance of the account should not be more than Rs.50,000.
Once can open a small account with the banking company by producing a self-attested photograph and affixation of signature or thumbprint.
List of Banks Offering Aadhaar Enabled Services
|Citibank||Allahabad Bank||United Bank of India||Canara Bank|
|Indian Bank||UCO Bank||Vijaya Bank||Andhra Bank|
|Federal Bank||HDFC Bank||Bank of Maharashtra||Punjab National Bank|
|Syndicate Bank||Kotak Mahindra Bank||Punjab National Bank||Oriental Bank of Commerce|
|Bank of India||IDBI Bank||Union Bank of India||Central Bank of India|
|ICICI Bank||Bank of Baroda||Corporation Bank||Dena Bank|
|Axis Bank||IDBI Bank||Indian Overseas Bank||State Bank of India|
Aadhaar Linking With Different Banks
FAQs on Aadhaar - Bank Linking
- Is there a way to check if the bank account is already linked with Aadhaar?
- If a customer holds multiple bank accounts that are linked to Aadhaar card, will UIDAI website display details from each bank?
- Is the last date of linking Aadhaar number and bank account same for the individuals who don’t have an Aadhaar card as of now?
- If a customer has multiple bank accounts, how can he check the Aadhaar and Bank account linking status?
Yes, a customer can anytime check the mapping status of Aadhaar and bank account by contacting the bank, visiting the branch or calling the bank’s toll free number.
No. Only the bank account that is mapped recently will be displayed on the UIDAI website.
Government has extended the last date to 31March 2018 for individuals who are yet to apply for Aadhaar card.
UIDAI shows linking status of only one bank. Therefore, customers should check Aadhaar linking status of multiple banks accounts from individual banks.
News related to Linking Aadhaar Card to Bank Account
Avert Breaches by Linking Aadhaar with Bank Account
At the fifth Global Conference on Cyber Space (GCCS), the CEO of unique identification authority of India (UIDAI) has declared upfront that Aadhaar and bank account linking can prevent the rising crime, across banking sector. As per the report, last year alone has a record of $3 billion loss in the banking industry.
The UIDAI chief believes that if beneficiary’s bank account was Aadhaar linked, it would have been difficult to figure out the fraud. Out of 1.1 billion bank accounts, presently 558 million bank accounts are already linked. Under the prevention of money laundering (Maintenance of Records) Second Amendment Rules, 2017, the government has declared 31 December 2017 as the last date of linking Aadhaar and bank account.
25th November 2017
IDFC Bank customers can shop using Aadhaar Pay
IDFC Bank teamed up with TCS to provide its customers a new digital payment option to pay their bills.
As part of the partnership TCS will provide IDFC access to its TCS Merchant Pay platform which is a universal payments platform that supports multiple payment solutions including BHIM Aadhaar Pay and all Unified Payments Interface based cards and apps.
IDFC Bank is the first to utilise TCS Merchant Pay platform, which supports all types of payments through phones, cards, and those without phones. The bank aims to use the new technology to drive efficiency, with a new approach to service and inclusive banking.
The integration allows IDFC customer to transfer amount to the merchant’s account using multiple channels, most importantly through Aadhaar Pay.
Besides facilitating payments from multiple platforms, TCS Merchant Pay will also provide analytical data to provide business intelligence to merchants. It will also provide bill payment services.
Reliance Retail is also part of the collaboration. Across its several chains located across India, it will accept payment through Aadhaar Pay and will also provide customers an option to do Aadhaar-enabled top-ups for Reliance Jio.
16th November 2017
SC Informs Banks and Telecom Organizations to include Aadhaar Linking Deadline in the Notification
The Supreme Court has recently intimated all the Telecom and banking organizations to send notification to its consumers. The repeated notification from banking organizations and telecom providers should include the last date of linking their Aadhaar number with the bank account and mobile number.
While the bench of justice including A K Sikri and Ashok Bhushan are busy in hearing petitions against Aadhaar, the petitioners counsel informed the court that the account deactivation messages have created a massive tension among the consumers. To clarify the looming tension, the bench has informed that the last date of linking the unique identification number to bank account is 31.12.2017, whereas 6 February 2018 is the last date of linking mobile number with Aadhaar number. The court also mentioned that all the petitions against Aadhaar is important and will be heard on last week of November.
4th November 2017
Consequences of not Linking Aadhaar Card with Bank Account
The last date for linking Aadhaar card with bank account is on 31 December 2017. And, the accounts that will not be linked to the Aadhaar number are subjected to be “ceased operationally”, which later can be activated on submission of the required documents. However, the Government has extended the last date of linking the Aadhaar to bank account to 31 March 2018 for only those who still don’t have an Aadhaar Card.
Of late, banks are not allowing to open an account without an Aadhaar Card. Banks are constantly sending reminders to the existing customers, so that they don’t miss the last date. The linking of 12-digit biometric number to the accounts is considered mandatory for firms, companies, associations and definitely individuals. Though the final word from Supreme Court is still pending, but it is expected to be on the same lines.
27th October 2017
Government announces last date for linking Aadhaar with bank accounts
The central government has announced the last date for people to link their Aadhaar numbers with respective bank accounts. The government has said that doing so is mandatory and has set the date for December 31, 2017.
In case people don’t link their bank accounts, the government directive said, they will be labelled as invalid and funds in the account will be frozen.
This is also one of the reasons why many banks have been pushing people to link their accounts with their Aadhaar numbers, with some banks even resorting to sending SMS and making personal calls to their clients.
Also, there’s a new rule in play which suggests that any person opening a new account needs to provide their Aadhaar number or at the least provide the enrollment number of the same.
After opening the account, the individual should submit their Aadhaar numbers within 6 months or risk having their account frozen by the authorities.
29th June 2017
Aadhaar-based operating system for Android smartphones
Two of the popular firms namely Indus OS and Delta ID have come together to offer an Aadhaar-based operating system for Android smartphones. Indus OS is a mobile operating system that is based on Android and Delta ID is an iris scanning technology provider, both the companies have announced their plans to launch a unique Aadhaar-authenticated operating system for India that will use iris biometric technology for secure identification and authentication. Both the firms have partnered up with domestic smartphone manufacturers such as Micromax, Karbonn, Intex, Celkon, and Swipe to build mid-range smartphones that will offer Aadhaar-based OS and IRIS scanner to support digital payments app.
18th May 2017
April 30 Last Day for Linking Bank Accounts to Aadhaar
April 30, 2017 is the last day for linking bank account to Aadhaar. The IT department said that it is mandatory for bank accounts that fall under FATCA regulations and were opened between July, 2014 and August, 2015. Such account holders have to self-certify them by submitting their KYC and Aadhaar details to banks/financial institutions on or before the deadline of April 30. If anyone fails to submit the documents by the last date, then their accounts will be blocked and will re-operate only after they provide the details.
14th April 2017
The upcoming banking exams will require producing Aadhaar
Aadhaar is becoming a common document that is required for application of various types of utility and services. Considering the fact that Aadhaar requires demographic and biometric details, it offers superior identification and authentication over any other type of document. Recently, Aadhaar has also become a mandatory document for filing Income Tax Return and various other application processes. Soon, Aadhaar will soon become mandatory for the upcoming banking exams. The individuals who are preparing for the exams are required to Aadhaar details in order to appear for the exams. This will help the government in avoiding various cases of cheating that has been noticed from the earlier exams.
31st March 2017
Link Aadhaar and Bank Account to UAN for a faster claim process
In a bid to make the claim process easier, the government has introduced a new process to enable a simple claim process. Individuals who will be seeding their Aadhaar and Bank Account details to their UAN will have the option to skip the procedure of obtaining attestation from their employer. The government has also introduced a new single page composite form that will make it convenient to submit the claim. The new single-page composite form will eliminate the need to submit multiple forms that were required so far. Currently, the individuals who have not linked their Aadhaar and Bank Account details to their UAN are required to submit the attestation of the employer.
9th March 2017
BHIM app can be linked to Aadhaar
The Bharat Interface for Mobile (BHIM) app is now enabled with Aadhaar, this will allow the government to launch a biometric-based Aadhaar Pay payment module in an effort to increase the amount of digital transactions in the country. The Aadhaar Pay service will allow individuals to make and receive payments by providing their Aadhaar number and biometric data, removing the requirement of mobile phones to conduct transactions. Presently, 14 banks have agreed to adopt the Aadhaar Pay service for transactions and the government is in talks with other banks to convince them to adopt the same. Presently, there are 1.11 billion Indians who have received their Aadhaar numbers and 390 million bank accounts have been linked to the Aadhaar cards. For transactions where the Aadhaar is listed as an identity for authentication of transactions on the BHIM app there will be no requirement for biometric authentication or prior registration with the bank or the Unified Payments Interface (UPI). The BHIM app allows individuals to send money to mobile numbers, but the receiver will need to be registered with the UPI to receive payments. The convoluted process to generate a UPI PIN discourages many people from using this system, the addition of the Aadhaar as a payment option on this app will remove a lot of the complexities associated with this and will increase the number of people using this app to perform transactions.
3rd February 2017