How to Link and Check NPCI Aadhaar Link to Bank Account Status?

Following the recent mandate by the Reserve Bank of India, linking Aadhaar with one’s bank account is mandatory to receive the benefits provided under government schemes. This is done to streamline online transactions and provide individuals with a secure digital banking experience. In this article, we will walk you through a comprehensive guide on how to check NPCI Aadhaar link to bank account status to ensure compliance with the RBI’s recent mandate. 

What is NPCI Aadhaar Link to Bank Account?

A customer's bank account is linked with the Aadhaar number after the customer submits documents and the bank verifies them. After the Aadhaar number is linked to the bank, the bank updates it with the NPCI mapper.

Connecting Aadhaar with the NPCI aims to improve the ease, security, and efficiency of digital payment transactions. By linking their Aadhaar with NPCI, individuals can use their Aadhaar number to authenticate various financial transactions.

Why Should You Link Your Aadhaar with NPCI for a Bank Account? 

Aadhaar seeding in NPCI mapper is mandatory to receive benefits provided under various government schemes. Aadhaar seeding with NPCI for bank accounts facilitates convenient DBT (Direct Benefit Transfer) tracking while mitigating the risk of fraudulent activities. 

Once the Aadhaar is linked with the bank account to receive government scheme benefits, individuals should submit their written consent (NPCI Aadhaar Link Bank Account Form) to the bank. The bank will then link the Aadhaar number to the bank account in the NPCI mapper.

How to Link Your Aadhaar and Bank Account to NPCI?

Here is a step-by-step guide on how to link your Aadhaar number and bank account with the NPCI:

Step 1: Visit the official website of NPCI. 

Step 2: Click on the ‘What We Do’ option. Select ’Nach’ and click on ’FAQs’.

Step 3: Click on ‘FAQs on APBS for Customers’.

Step 4: Click on the ‘Aadhaar Seeding Process?’ question and click on the ‘Click Here to View’ option under it.

Step 5: A new page will open containing the Aadhaar Seeding Form. 

Step 6: Download the form, read the instructions carefully and fill out this form. 

Step 7: Submit the form to the bank manager of the bank branch where you have an account to seed your Aadhaar number with the bank account for NPCI mapper.

Once you go through the above steps, your request will be processed. Upon successful processing, an SMS notification will be sent to you within 2-3 working days, specifying the linking status. 

Form for NPCI Aadhaar Link Bank Account

The form for NPCI Aadhaar link bank account includes these details - bank branch, account number, account name, Aadhaar number, mobile number and email. Once the form is filled out, it has to be submitted to your bank. The form for NPCI Aadhaar link bank account is provided below:

How to Check the Status of your NPCI Aadhaar Linking to your Bank Account?

The Aadhaar NPCI status or status of your NPCI Aadhaar linking to your bank account can be checked by following these steps: 

Step 1: Visit the official website of UIDAI. 

Step 2: Choose the ‘Aadhaar Services’ option under the ‘My Aadhaar’ menu. 

Step 3: Tap on ‘Bank Linking Status’. 

Step 4: Log in to myAadhaar by entering your Aadhaar number and captcha code and click on the ‘Send OTP’ button.

Step 5: Enter the OTP sent to your registered mobile number to validate your identity. 

Step 6: Click on the ‘Bank Seeding Status’ tab. 

Step 7: The Aadhaar NPCI link status will be displayed on the screen.

You can also check the status by sending an SMS. Follow the steps below to check the status via SMS:

Step 1: Dial *99*99*1# from your registered mobile number.

Step 2: Enter your Aadhar number.

Step 3: Re-enter your Aadhaar number to check if the Aadhar number is linked with the bank account.

Mapper for NPCI

National Payments Corporation of India (NPCI) mapper is the repository of Aadhaar numbers linked with a particular bank and used to route the Aadhaar-based payment transactions to the destination banks. 

With NPCI Mapper, individuals can verify the successful processing of their Aadhaar-based payments and ensure that the funds are transferred to the right bank. This verification process involves providing the UID number of the intended receiver and the IIN (Issuer Identification Number) of the bank. 

Benefits of NPCI Aadhaar Linking

• It facilitates convenient DBT (Direct Benefit Transfers) of government scheme benefits.
• It enhances security of financial transactions and verifies their legitimacy.
• Receipts and transactions can be easily tracked through the NPCI mapper, thus facilitating transparancy.
• It encourages financial inclusion as it provides a efficient and secure platform for digital transactions.

Limitations of NPCI Aadhaar Linking to Your Bank Account

While there are advantages to linking with NPCI, you must be aware of the limitations associated with this process, which are as follows: 

• An individual can only link one bank account with their Aadhaar at one point. 
• In case you link more than one bank account at a point, there may be an increase in subsidy charges. In this situation, the subsidies will be credited to the last active seeded account. 
• If you fail to receive gas subsidies, you can approach the gas service provider to redo the transactions. Check that the Aadhaar status is active first. 

Now that you know how to check NPCI Aadhaar link bank account status, you can easily ensure compliance with the RBI’s mandate of linking the two. Besides facilitating secure transactions, NPCI Aadhaar linking allows you to avail of Direct Benefit Transfers, grants easy access to government schemes and helps keep track of transactions. Therefore, it is necessary to link your Aadhaar with your bank account if you are receiving any government scheme benefits.