• How to link Aadhar card to Bank Account

    Aadhaar card is essential to avail benefits from government run social schemes. The government has initiated 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 avail benefits offered by various services and schemes.

    Aadhaar number must be linked with bank account

    The government has instructed the banking organizations to send notification to consumers, asking them to link Aadhaar with their Bank accounts. Since the last date has not been set yet, customers can link their Aadhaar with bank account convenience. However, the sooner one links his/her bank account to Aadhar is better as it will conveniently reduce the hassle once the deadline is set.

    The Government of India has initiated the Aadhaar linking drive to prevent money laundering, unfair distribution of public resources and benefits, and also offer the residents of India numerous amenities and assistance.

    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:

    1. Firstly, a customer should enroll for internet banking services in a bank that offers Aadhaar mapping to its customers.
    2. Login to the internet banking account by entering username and password.
    3. 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”.
    4. Click on the link to open the page.
    5. Enter the necessary information correctly in the respective fields and cross check to avoid providing any wrong information.
    6. Hit the “Submit” button and the form gets saved in the bank’s database.
    7. Bank’s officials will verify the information provided.
    8. After verification, the application will be processed internally. In case, there are mismatch in the information provided, the bank’s officials will send notification.
    9. 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”.

    UIDAI's Official Website

    Step 3: Enter the 12-digit UAN number and the security code that is displayed beside the given box.

    Enter Aadhar No and Security Code

    Step 4: After entering the details click on “Send OTP”, and an OTP will be sent to the Aadhaar linked mobile number.

    Enter OTP

    Step 5: Enter the OTP and click on “Login”.

    Login UIDAI Website

    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.

    Aadhar-Bank Linking Verification Done

    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 the deadline is announced?

    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 is essential. 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. Initially the last date was set on 31 March 2018 after which bank accounts that are not linked to Aadhaar before the deadline would have been ceased from all the operations. However, the date was changed recently for an indefinite period before the authorities announce a new deadline.

    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

    SBI Link Aadhar Card HDFC Bank Link Aadhar Card Aadhar Card Link To Vijaya Bank ICICI Bank Link Aadhar Card
    PNB Link Aadhar Card Syndicate Bank Link Aadhaar Card Bank Of Maharashtra Link Aadhaar Card Union Bank Of India Link Aadhaar Card
    Indian Bank Link Aadhar Card Central Bank Of India Link Aadhar Card Corporation Bank Aadhaar Card Link Axis Bank Link Aadhaar Card
    Bank Of India Link Aadhar Card Citibank Link Aadhaar Card Online Andhra Bank Aadhaar Card Link Dena Bank Link Aadhar Card
    Canara Bank Link Aadhar Card Bank Of Baroda Link Aadhaar Card IOB Bank Link Aadhaar Card United Bank Of India Link Aadhar Card
    UCO Bank Link Aadhar Card Link Aadhaar Card With Kotak Mahindra Bank Allahabad Bank Link Aadhaar Card IDBI Bank Link Aadhar Card

    FAQs on Aadhaar - Bank Linking

    1. Is there a way to check if the bank account is already linked with Aadhaar?
    2. 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.

    3. If a customer holds multiple bank accounts that are linked to Aadhaar card, will UIDAI website display details from each bank?
    4. No. Only the bank account that is mapped recently will be displayed on the UIDAI website.

    5. 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?
    6. Government has extended the last date to 31March 2018 for individuals who are yet to apply for Aadhaar card.

    7. If a customer has multiple bank accounts, how can he check the Aadhaar and Bank account linking status?
    8. 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

    • Deadline to link Aadhaar with Bank Accounts extended by the Supreme Court

      The Honourable Supreme Court of India has extended the deadline to link Aadhaar card with bank accounts till its final verdict. The apex court revoked the previous deadline of 31 March 2018 for all bank accounts.  The Government of India had made it mandatory for all services and welfare schemes to be linked with Aadhaar details to weed out dishonest distribution of money and other resources. It was also planning to link Aadhaar with driving license and voter cards among other things. The new announcement by the Supreme Court has now put the mandate on hold till the final decision on the validity of Aadhaar is made. However, it is still compulsory to link Aadhaar to avail various government welfare schemes like Pradhan Mantri Awas Yojana, Atal Pension Yojana, and many more.

      13 March 2018

    • Aadhaar–Bank Account Linking date extended till 31 March 2018

      Recently, the government has extended the last date of linking Aadhaar and bank account to 31 march 2018 from 31 December 2017. The decision from the finance minister came to light after receiving inputs from various banks about the shortage of time to complete the seeding process for the long list of customers.

      This applies for the account holders who has an account for more than six months. However, individuals who has opened or will open a new account after 1 October 2017, will get a duration of six months from the date of opening an account. This has bought in great relief among the account holders.

      14 December 2017

    • 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.

      25 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.

      16 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.

      4 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.

      27 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.

      29 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.

      18 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.

      14 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.

      31 March 2017

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