How to link your Aadhaar card with your bank account

Wondering, "How can I link my Aadhaar with my bank account"? Linking your Aadhaar card to your bank account has become not just a necessity but also a facilitator for smoother financial transactions. From receiving government subsidies to enjoying uninterrupted banking services, the importance of linking your Aadhaar cannot be overstated. This guide offers a comprehensive walkthrough for linking your Aadhaar card to your bank account, both online and offline, ensuring you can complete this essential task with ease.

Step-by-step process to link Aadhaar card to bank account

Linking your Aadhaar card to your bank account is straightforward. Here's how you can ensure this vital connection is made, catering to both, online and offline preferences.

How to link bank account with Aadhaar via branch?

Visiting your local bank branch allows you to link your Aadhaar with your bank account in a few simple steps, ensuring your identity and account are securely connected.

1. Visit your nearest bank branch.

2. Carry a self-attested copy of your Aadhaar card.

3. Fill in the Aadhaar linking form available at the branch.

4. Submit the form along with the photocopy of your Aadhaar card.

5. The bank will verify the details, and your account will be linked with Aadhaar.

How to link Aadhaar with bank account via internet banking?

Internet banking offers a quick and convenient way to link your Aadhaar to your bank account from the comfort of your home or office.

1. Log in to your internet banking account.

2. Navigate to the section named “Link Aadhaar” or similar.

3. Enter your Aadhaar number and confirm.

4. The bank will process the request, and you will receive a confirmation.

Step-by-step process of linking bank account with Aadhaar at ATM

Utilise the ATM's interactive menu to effortlessly link your Aadhaar with your bank account, making it a hassle-free process during your next visit.

1. Visit an ATM and swipe your ATM/debit card.

2. Enter your PIN and select the option to link Aadhaar.

3. Enter your Aadhaar number twice when prompted.

4. Confirm the transaction, and your Aadhaar will be linked.

Linking bank account with Aadhaar through mobile app

The bank's mobile app provides a user-friendly platform to securely link your Aadhaar to your bank account, ensuring your banking services are up-to-date.

1. Download and log in to your bank’s mobile app.

2. Look for the Aadhaar linking option.

3. Enter your Aadhaar number and submit the request.

4. You will receive a confirmation once the linking is successful.

Linking bank account with Aadhaar using the missed call facility

A simple missed call to your bank's dedicated number can initiate the Aadhaar linking process, offering a convenient solution without the need for internet access.

1. Dial the dedicated number provided by your bank for Aadhaar linking.

2. After a few rings, the call will disconnect automatically.

3. You will receive an SMS confirming the initiation of the process.

4. Follow any additional instructions provided in the SMS.

Linking your bank account with Aadhaar through SMS service

Sending a quick SMS to your bank can help link your Aadhaar with your bank account, making it an efficient method for those preferring text-based communication.

1. Send an SMS to the number provided by your bank in the format specified.

2. Include your bank account number and Aadhaar number in the message.

3. You will receive a confirmation message upon successful processing.

Check Aadhaar and bank account linking status

After submitting your Aadhaar linking request, it’s crucial to verify the status:

1. Navigate to the UIDAI's official website, select 'My Aadhaar,' and then choose 'Bank Seeding Status.'

2. You'll be redirected to the myAadhaar page. Here, select 'Login.' Input your Aadhaar number and the CAPTCHA, then hit 'Send OTP.'

3. An OTP will be sent to the mobile number registered with your Aadhaar. Enter this OTP in the provided field and press 'Login.'

4. Now, find and click on the 'Bank Seeding Status' option.

5. The linked bank accounts with your Aadhaar card will be displayed immediately for your review.

Benefits of linking Aadhaar card to bank account

Linking your Aadhaar to your bank account brings numerous benefits, streamlining operations and enhancing security in multiple ways:

• Enhanced financial security: Linking Aadhaar with your bank account decreases the risk of monetary loss by significantly lowering the chances of identity theft and financial fraud.
• Simplified identity verification: The Aadhaar card's comprehensive demographic and biometric data allow financial institutions to accurately verify your identity, ensuring secure access to your bank account.
• Streamlined online transactions: With Aadhaar-enabled payment systems (AEPS), the necessity to remember various PINs and passwords is eliminated, making financial transactions more straightforward.
• Efficient account management: The process of linking Aadhaar simplifies the KYC (Know Your Customer) procedures by consolidating identity and address proofs, thus minimising the documentation required for financial dealings.
• Facilitation of digital payments: As digital payments become increasingly prevalent, linking your bank account with Aadhaar supports the transition to a cashless economy by enabling easier access to credit facilities and digital payment options.
• Innovative fraud prevention solutions: The integration of Aadhaar with bank accounts introduces cutting-edge solutions to combat fraud, including electronic KYC (eKYC) and biometric-based authentication, enhancing the overall security of financial transactions.

Conclusion

The process of linking your Aadhaar with your bank account is a step towards a more secure and streamlined banking experience. As highlighted by Axis Bank's offerings, customers are presented with the ease of opening a Savings Account online, which comes with a plethora of features and benefits designed to enhance the banking experience.

Axis Bank Savings Accounts provide the flexibility of different accounts for different needs, access to over 250+ banking services through India's top-rated mobile banking app, and a wealth of rewards including cashback, gift vouchers, discounts, and even complimentary movie tickets and airport lounge access. This seamless integration with your Aadhaar card means managing your finances has never been more convenient or rewarding.

By linking your Aadhaar, you not only adhere to the financial guidelines but also unlock the full spectrum of benefits your bank offers, ensuring you are well-positioned to navigate the financial landscape with confidence and ease.

Also Read: Top 9 benefits of having a Savings Account

FAQs

Is it required to link a bank account to Aadhaar?

Yes, it is recommended to link your bank account to Aadhaar to avail of various government subsidies and for KYC purposes.

How do I verify an Aadhaar-bank account link?

To verify an Aadhaar-bank account link, visit the official UIDAI website, navigate to the 'Check Aadhaar & Bank Account Linking Status' section, enter your Aadhaar number, and follow the instructions to view the status.

What if your bank account is not linked to your Aadhaar?

If your bank account is not linked to Aadhaar, you may face difficulties receiving government subsidies and completing KYC for financial services.

Is it necessary to link a Personal Loan or Credit Card to Aadhaar?

It is not mandatory, but linking Aadhaar can simplify the verification process for loans and Credit Cards.

Disclaimer: This article is for information purpose only. The views expressed in this article are personal and do not necessarily constitute the views of Axis Bank Ltd. and its employees. Axis Bank Ltd. and/or the author shall not be responsible for any direct / indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information. Please consult your financial advisor before making any financial decision.