How to Link Your Aadhaar to Bank Account

In today's digital age, our identities are crucial for various transactions, especially in the banking sector. One such identity document that plays an important role is the Aadhaar card. The Aadhaar card, issued by the Unique Identification Authority of India (UIDAI), is a 12-digit individual identification number that serves as a proof of identity and address for Indian residents. To avail any Government services and subsidies, you should ensure that your Aadhaar card is linked to your bank account.

In this blog, we have provided a step-by-step guide on how to link your Aadhaar with your bank account. Let’s dive in!

1. How to Link Aadhaar to Bank Account Using Internet Banking

You can conveniently link your Aadhaar card to your bank account through internet banking by following these steps:

Step 1: Log in to your net banking account using your customer ID and password.

Step 2: Navigate to the "My Account" section and select the "Update Aadhaar with Bank Account (CIF)" option.

Step 3: Enter your Aadhaar number twice for confirmation.

Step 4: Submit the request, and you'll receive a confirmation once your Aadhaar is successfully linked.

2. How to Link Aadhaar to Bank Account Using the Bank’s Mobile App

Linking your Aadhaar through your bank's mobile app is a simple process:

Step 1: Download the mobile app from the Google Play Store or App Store and log in.

Step 2: In the "Services" or "My Accounts" section, select "View/Update Aadhaar Card Details."

Step 3: Enter your Aadhaar number twice and click on "Submit."

Step 4: A confirmation message will be sent upon successful linking.

3. How to Link Aadhaar to Bank Account Using SMS

For those who prefer SMS, linking Aadhaar is quick and easy:

Step 1: Send an SMS to 567676 in the format: UID <space> Aadhaar Number <space> Account Number.

Step 2: You will receive a confirmation message. After verification by the bank with UIDAI, you’ll be notified if the linking is successful.

Step 3: If any discrepancies are found, you may need to visit your nearest bank branch.

4. How to Link Aadhaar to Bank Account Using a Missed Call Service

Some banks offer an Aadhaar linking service through a missed call:

Step 1: Dial the bank’s toll-free number and disconnect after one ring.

Step 2: You will receive a callback with instructions. Enter your 12-digit Aadhaar number when prompted.

Step 3: A confirmation message will be sent upon successful linking.

5. How to Link Aadhaar to Bank Account by Visiting the Bank Branch

You can also visit your bank branch to link your Aadhaar:

Step 1: Request an Aadhaar linking application form from a bank representative.

Step 2: Fill out the form carefully with your bank account and Aadhaar details.

Step 3: Attach a self-attested copy of your Aadhaar card.

Step 4: Submit the form along with your original Aadhaar card for verification.

Step 5: Once verified, your Aadhaar will be linked to your account within a few days.

6. How to Link Aadhaar to Bank Account Using an ATM

Here’s how to link Aadhaar at an ATM:

Step 1: Insert your ATM card and enter your PIN.

Step 2: Choose the "Services" tab and select "Aadhaar Registration."

Step 3: Enter your Aadhaar number twice and confirm.

Step 4: A confirmation message will be sent to your registered mobile number after successful linking.

How to Check Aadhaar-Bank Account Linking Status

To verify if your Aadhaar is linked to your bank account:

1. Visit the UIDAI website.
2. Enter your Aadhaar number and complete the required authentication, such as an OTP.
3. The website will display the linking status, confirming whether your Aadhaar is linked to your account.

Why is Aadhaar card in Banking Become a Necessity?

Linking your Aadhaar card to your bank account offers several benefits that enhance the convenience and security of your banking experience. Here are some reasons why we are seeing a sharp increase of Aadhaar card in banking.

• Seamless verification: By linking your Aadhaar card, banks can easily verify your identity and address details without requiring multiple documents.
• Direct benefit transfers: Government schemes such as subsidies, pensions, scholarships, and welfare programs are directly credited to bank accounts linked with Aadhaar cards, ensuring efficient and transparent delivery.
• Easier access to financial services: Linking your Aadhaar card enables you to open a new bank account quickly and conveniently. It also eases processes when you apply for loans, credit cards, and other financial products.
• Enhanced security: With biometric authentication through Aadhaar-based e-KYC (Know Your Customer) systems, banks can ensure secure and accurate verification, reducing the risk of identity theft and fraud. 

What Documents are Required for Linking Your Aadhaar Card?

When linking your Aadhaar card to your bank account offline, you must carry the following set of documents:

• Original Aadhaar card: Carry the original copy of your Aadhaar card for verification purposes.
• Self-attested photocopy: Make sure to carry a self-attested photocopy of your Aadhaar card for submission.
• Bank account details: Carry your bank account number, along with other relevant details such as account type, branch code, etc.
• Additional documents: In some cases, the bank may require additional documents for verification, such as a PAN card or passport. It is best to check with your bank beforehand to ensure you have all the necessary documents.