The Indian Government is slowly making submission of Aadhaar Card mandatory for a lot of procedures. The government has also requested everyone to link their Aadhaar number to their bank accounts. This is to make sure that people get the subsidies and benefits of government schemes directly in their bank accounts. One more reason is that it will help the government in identifying people who are in need of the subsidies and welfare payments.
How to Link Aadhaar Card to Bank Account?
People can link their Aadhaar cards to bank accounts online and offline.
To link your Aadhaar card to your bank account online, you have to follow the steps mentioned below:
- Login to the internet banking service of your bank. If you do not have the service activated for your bank account, you can choose to activate it or you can go through the offline process.
- Find the ‘Update Aadhaar Card Details’ option or ‘Aadhaar Card Seeding’ option and click on it. On clicking, you will be directed to another page.
- Enter details about your Aadhaar card.
- Click on ‘Submit’.
When you click on ‘Submit’, your details will be saved in the bank’s database. The bank will verify the details and at the end of this process, link your card to your account. You will be informed about the same through a SMS or an email, which will be sent to your registered mobile number or email address. The National Payments Corporation of India (NPCI) allows people to get the same information over phone.
If you wish to link your card to your bank account offline, you have to fill the Aadhaar to Bank Account Seeding Form and submit it to the bank. You can download this form from the website of the bank or you can collect it from your bank’s branch.
It is advised that you use the online linking process as it will help you save a lot of time.
List of Banks that Allow You to Link Aadhaar Card:
You can link your Aadhaar Cards to your account from any one of the following banks:
- ICICI Bank
- Axis Bank
- State Bank of India
- HDFC Bank
- United Bank of India
- Dena Bank
- Vijaya Bank
- Bank of Maharashtra
- Corporation Bank
- Andhra Bank
- Indian Overseas Bank
- Oriental Bank of Commerce
- Allahabad Bank
- UCO Bank
- Indian Bank
- Bank of India
- Syndicate Bank
- Union Bank of India
- Canara Bank
- Central Bank of India
- Kotak Mahindra Bank
- Bank of Baroda
- Punjab National Bank
- IDBI Bank
How to check if Aadhar is linked with bank account?
Check Status with Bank
- Contact the bank
- Visit the branch
- Call your bank’s toll-free number
Check through SMS
- Dial *99*#
- Key in Aadhaar number
- Press 1
- The customer will get to know the title of the bank where the Aadhaar has been linked
News related to Linking Aadhaar Card to Bank Account
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
Government is planning to introduce bank account portability
The way we can switch to a different telecom under the mobile portability services, similarly, an individual will be able to change his/her bank without affecting standing orders and other transactions. By linking the Aadhaar to a bank account, an individual takes advantage of various services from the governments. It also helps the government is unifying the details of an individual. The seeding of Aadhar to bank accounts will facilitate a platform that will enable individuals to change their bank without having to worry about salary credits, standing orders, EMIs and other financial and non-financial transactions. This will also eliminate the need to remember the bank account number and IFSC details. An individual can use their Aadhaar card for a broad variety of financial and non-financial transactions.
27th December 2016