Document

Aadhaar Bank Link: How to Link Aadhaar Number with Bank Account Online/Offline?

By Mayashree Acharya

|

Updated on: Jun 6th, 2024

|

10 min read

At the time of account opening, Indian banks and financial institutions take the initiative to link an individual’s Aadhaar number with accounts as part of their standard procedures. However, if this has not been done in your case, you can do it later using various online and offline methods. 

In this comprehensive guide, we will walk you through how to link Aadhaar with your bank account. Keep reading to know more. 

What is Aadhaar Bank Linking? 

As per the Supreme Court ruling, it is not mandatory for individuals to link their Aadhaar numbers with their existing or new bank accounts. However, Aadhaar bank linking is mandatory under certain circumstances: to avail of government subsidies and apply for welfare schemes in India. 

Why Link Your Aadhaar Number with Your Bank Account? 

Linking your Aadhaar number with a bank account aims to eliminate bank fraud by securing an account holder's financial credentials. This way, you can safeguard yourself from unauthorised transactions and fund transfers conducted by fraudsters impersonating you and providing fake identities to the bank. 

Benefits of Linking Aadhaar Number with Bank Account

Here are the benefits of linking your Aadhaar number with your bank account

  • Government subsidies on kerosene, LPG, and other commodities are directly credited to the bank account linked to an individual’s Aadhaar number. 
  • Funds received through government scholarships or MNREGA wage policies are also directly credited to the beneficiary’s bank account.
  • Account holders can also reap benefits from AEPS or Aadhaar Enabled Payments Systems, allowing them to access their accounts from anywhere in India. 

How to Link Aadhaar with a Bank Account through Net Banking? 

Here is a step-by-step guide on how to link Aadhaar number with your bank account online using your existing bank’s net banking portal:

Step 1: Visit the net banking portal of the bank where you hold an account. 

Step 2: Log in using your registered credentials. 

Step 3: Navigate to the ‘Link Your Aadhaar’ option on the main page or under the ‘e-services’ option. 

Step 4: Select the type of account you hold.

Step 5: Enter the Aadhaar Number and click on the ‘Submit’ button. 

Once you go through the steps mentioned above, the bank will process your request to link your UID (Unique Identification Number) with your bank account and notify you via SMS. 

How to Link Aadhaar with a Bank Account through a Mobile App? 

Given below is a stepwise process that you need to follow to link the Aadhaar number with your bank account via the mobile app of your bank:

Step 1: Download the mobile app of the bank where you hold an account. 

Step 2: Log in using your registered credentials. 

Step 3: Navigate to the ‘Services’ tab and click on it. 

Step 4: Click on ‘View/Update Aadhaar Card Details’.

Step 5: Enter your Aadhaar number. Re-enter it for verification. 

Step 6: Click on the ‘Submit’ tab. 

How to Link Aadhaar with a Bank Account by SMS? 

Below are the steps to link Aadhaar with a bank account by SMS:

Step 1: Type the message: UID (Space) Aadhaar number, and send it via SMS from your registered mobile number to your bank’s SMS service number. 

Step 2: Alternately, for some banks, you will have to send the last six digits of your account number, followed by the Aadhaar number. 

Note: The steps provided above are general steps which may differ from bank to bank. Visit your bank’s website to find out the format of the message to be sent to your bank to link Aadhaar with your account.  

Once you send the linking message, you will receive an acknowledgement message on your registered mobile number. Furthermore, the bank representative will verify your details with UIDAI. 

Upon successful verification, you will receive a confirmation message specifying your Aadhaar number is linked to your bank account. 

How to Link Aadhaar Number with Bank Account Offline? 

Apart from the online mode, individuals have the option to link their Aadhaar with their bank account through the offline method. Below is the step-by-step guide to link Aadhaar with a bank account offline:

Step 1: Give a missed call to the number provided by the bank where you hold an account. 

Step 2: Attend the call back made by the bank to register your request. 

Step 3: Enter your Aadhaar number carefully. 

The bank will send you a confirmation message stating the successful linking of your Aadhaar number with the bank account. 

How to Link Aadhaar with a Bank Account by Visiting the Branch?

To link your UID or Aadhaar number with the bank account at the nearest branch, follow the below-mentioned steps:

Step 1: Visit a nearby branch of your bank where you hold an account. 

Step 2: Obtain an Aadhaar linking application form from a bank representative. 

Step 3: Fill in all the required details carefully, including your bank name, bank account number, particulars, Aadhaar number, and contact information. 

Step 4: Attach a copy of the Aadhaar card with the application form. 

Step 5: Submit the form to the bank representative. 

The bank representative will process your application form and verify all details. The bank will notify you via your registered phone number upon successful verification. 

How to Link an Aadhaar with a Bank Account through an ATM? 

Lastly, find out how to link Aadhaar with a bank account using an ATM:

Step 1: Swipe your ATM or debit card on any machine. 

Step 2: Enter your PIN. 

Step 3: Under the ‘Services’ option. A few options will be displayed on the screen. 

Step 4: Select the ‘Aadhaar Registration' option. 

Step 5: Specify your account type and enter your 12-digit Aadhaar number. Re-enter it for verification. Click on the ‘Confirm’ button. 

Once you go through the steps mentioned above, you will receive a notification on your registered mobile number, specifying the successful linking of your Aadhaar number with your bank account. 

To reap benefits from various government subsidies and welfare schemes, linking Aadhaar with a bank account is necessary. The Aadhaar-bank link ensures the direct transfer of funds, enabling account holders to receive financial assistance seamlessly. To achieve this, understanding how to link Aadhaar with a bank becomes crucial.

Frequently Asked Questions

Is it mandatory to link Aadhaar with a bank account?

No, it is not mandatory to link Aadhaar with a bank account. However, you need to do so if you want to avail government subsidies and welfare schemes. 

What happens if Aadhaar is not linked to a bank account?

An individual can choose not to link his/her Aadhaar number with a bank account. If you have not linked your Aadhaar number, it will not result in any trouble.

How can I link my bank account to Aadhaar online?

You can link your bank account with your Aadhaar number online by visiting the official net banking portal of the bank where you hold an account. 

How to find an Aadhaar-linked bank account?

To find an Aadhaar-linked bank account, you can either visit the official website of UIDAI or use the mAadhaar app. 

Can I link Aadhaar with two different bank accounts?

No, you cannot link two different bank accounts with your Aadhaar number as per the Aadhaar linking rules stated by the Reserve Bank of India. 

How to link an Aadhaar to a SBI bank account?

The simplest way of linking Aadhaar with an SBI bank account is through SMS. You need to just type a message in the format UID<space><Aadhaar Number><Account Number> and send it to 567676. You can also link by using the SBI YONO/SBI YONO Lite mobile app, the SBI net banking portal or a nearby SBI ATM.

How to link Aadhaar to a Canara Bank account?

In order to link your Aadhaar number with a Canara Bank account, visit the nearest branch along with a copy of your Aadhaar card and perform the Aadhaar seeding formalities. You can link Aadhaar with Canara bank by logging into Canara bank’s net banking portal.

How to link Aadhaar to an HDFC Bank account?

You can link your Aadhaar number with your HDFC Bank account by visiting the official HDFC net banking portal. You can also visit the nearest branch along with a copy of your Aadhaar card and perform the Aadhaar seeding formalities.

How to check if my Aadhaar is linked to a bank account?

You can check the Aadhaar bank link status by visiting the UIDAI’s website and clicking on the ‘Bank Seeding Status’ option.

Can I link Aadhaar to a bank account online?

Yes, you can link your Aadhaar number with a bank account online. There are two ways of doing so. One is through the net banking portal, while the other involves using the mobile application of your existing bank. 

Can I link Aadhaar to a bank account offline?

Yes, you can link your Aadhaar number to a bank account offline by visiting the nearest branch of the bank where you hold an account. 

How can I link my Aadhaar card with a bank account in an ATM?

The Aadhaar linking with a bank account can be done at your nearest ATM. For this, you will need your debit card, PIN and the Aadhaar number. 

How can I link my Aadhaar card with my bank account by SMS?

You can link Aadhaar with your bank account by sending an SMS in the prescribed format to your existing bank’s SMS service phone number. 

About the Author

I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

Public Discussion

Get involved!

Share your thoughts!

summary-logo

Quick Summary

Indian banks make it easy to link Aadhaar number with accounts using various methods. This helps secure financial credentials, receive government subsidies directly, and access benefits like AEPS. Processes include online through net banking or mobile apps, via SMS, offline through missed calls or visiting the branch, and even using ATMs. Linking Aadhaar with a bank account is essential for subsidies and welfare schemes.

Was this summary helpful?
liked-feedbackliked-feedback

Clear offers taxation & financial solutions to individuals, businesses, organizations & chartered accountants in India. Clear serves 1.5+ Million happy customers, 20000+ CAs & tax experts & 10000+ businesses across India.

Efiling Income Tax Returns(ITR) is made easy with Clear platform. Just upload your form 16, claim your deductions and get your acknowledgment number online. You can efile income tax return on your income from salary, house property, capital gains, business & profession and income from other sources. Further you can also file TDS returns, generate Form-16, use our Tax Calculator software, claim HRA, check refund status and generate rent receipts for Income Tax Filing.

CAs, experts and businesses can get GST ready with Clear GST software & certification course. Our GST Software helps CAs, tax experts & business to manage returns & invoices in an easy manner. Our Goods & Services Tax course includes tutorial videos, guides and expert assistance to help you in mastering Goods and Services Tax. Clear can also help you in getting your business registered for Goods & Services Tax Law.

Save taxes with Clear by investing in tax saving mutual funds (ELSS) online. Our experts suggest the best funds and you can get high returns by investing directly or through SIP. Download Black by ClearTax App to file returns from your mobile phone.

Cleartax is a product by Defmacro Software Pvt. Ltd.

Company PolicyTerms of use

ISO

ISO 27001

Data Center

SSL

SSL Certified Site

128-bit encryption