How to Link Aadhaar with Bank Account? A Complete Step-by-Step Guide

 

In India, the Aadhaar card has become an essential identity document for almost every financial and government-related service. One of the most important requirements is linking your Aadhaar with your bank account. This process ensures that you can receive government subsidies, pensions, scholarships, and other benefits directly in your bank account without any delay.

If you have not yet linked your Aadhaar card to your bank account, this article will provide you with a simple, step-by-step guide to help you complete the process.

Why Is It Important to Link Aadhaar with Your Bank Account?

Before we go into the methods, let’s first understand why Aadhaar-bank linking is important:

1. Direct Benefit Transfer (DBT): Subsidies such as LPG, pensions, scholarships, and other government benefits are directly credited to Aadhaar-linked bank accounts.

2. Identity Verification: It serves as a valid proof of identity and address while accessing banking services.

3. Avoid Transaction Failures: Linking prevents delays in payments and ensures smooth transfer of funds.

4. Mandatory Requirement: For several financial services and schemes, Aadhaar linking is compulsory.

Methods to Link Aadhaar with Bank Account

There are multiple ways to link Aadhaar to your bank account. You can choose the method that is easiest for you.

1. Linking Aadhaar to Bank Account Online (Through Internet Banking)

If you have access to internet banking, this is one of the fastest ways:

1. Log in to your bank’s internet banking portal using your username and password.

2. Go to the ‘Aadhaar Seeding’ or ‘Aadhaar Linking’ section.

3. Enter your 12-digit Aadhaar number.

4. Confirm and submit the request.

5. You will receive a confirmation message on your registered mobile number once the linking is successful.

2. Linking Aadhaar Through Mobile Banking / Bank App

Many banks provide Aadhaar linking options through their mobile apps.

1. Download and open your bank’s mobile banking app.

2. Log in using your credentials.

3. Look for the option “Aadhaar Linking” under account services.

4. Enter your Aadhaar number and submit.

5. You will get a confirmation message after successful linking.

3. Linking Aadhaar with Bank Account via SMS

Some banks allow customers to link Aadhaar with a simple SMS service.

1. Check if your bank supports Aadhaar linking through SMS.

2. Type the SMS in the format provided by your bank (for example: UID <Aadhaar Number> <Account Number>).

3. Send the SMS to the official number provided by your bank.

4. You will get a confirmation once the process is completed.

4. Linking Aadhaar with Bank Account via ATM

If you don’t have internet access, you can also link Aadhaar through an ATM.

1. Insert your ATM/Debit card and enter your PIN.

2. Select the ‘Services’ or ‘Aadhaar Seeding’ option.

3. Enter your Aadhaar number.

4. Confirm and complete the process.

5. A message will be sent to your registered mobile number once linking is done.

5. Linking Aadhaar with Bank Account by Visiting Branch (Offline Method)

This is the traditional method, suitable if you are not comfortable with online banking.

1. Visit your home branch of the bank.

2. Carry the following documents:

   • Original Aadhaar card + photocopy

   • Bank passbook or account details

3. Ask for an Aadhaar Seeding Form from the bank staff.

4. Fill in your Aadhaar number and account details.

5. Submit the form along with self-attested photocopies.

How to Check if Your Aadhaar is Linked to Your Bank Account?

After completing the process, you can check the status in the following ways:

Method 1: Via UIDAI Website

1. Visit the official UIDAI website: https://uidai.gov.in

2. Go to “Check Aadhaar & Bank Linking Status” option.

3. Enter your Aadhaar number and OTP received on your registered mobile.

4. You will see the status of your Aadhaar-bank linking.

Method 2: *Via 99# USSD Service

1. Dial 9999# from your Aadhaar-registered mobile number.

2. Enter your Aadhaar number.

3. The screen will show the bank name linked to your Aadhaar.

Common Issues Faced During Aadhaar Linking

Sometimes people face problems while linking Aadhaar with bank accounts. Here are some common issues and solutions:

1. Mobile Number Not Registered with Aadhaar

   • Solution: Update your mobile number at the nearest Aadhaar enrolment centre.

2. Mismatch of Details

   • Solution: Ensure that your Aadhaar name and bank account name match. If not, update details at either the bank or Aadhaar centre.

3. Inactive Aadhaar Number

   • Solution: Verify Aadhaar status at UIDAI website before linking.

4. Technical Errors

   • Solution: Try again later or visit the branch directly.

Safety Tips While Linking Aadhaar with Bank Account

• Always use official bank websites or apps for online linking.

• Never share Aadhaar OTP with anyone.

• Avoid third-party websites that claim to link Aadhaar with bank accounts.

• Keep a copy of acknowledgement slip (if submitted offline).

Final Thoughts

Linking Aadhaar with your bank account is a simple but crucial step to ensure smooth access to government benefits and financial services. Whether you choose online banking, mobile app, SMS, ATM, or direct branch visit, the process is quick and user-friendly.

By linking Aadhaar with your bank account, you not only comply with government rules but also enjoy hassle-free services like Direct Benefit Transfer and faster verification.

So, if you haven’t linked your Aadhaar yet, don’t delay—choose the method most convenient for you and complete the process today.