How to Link Your Aadhaar Card with Your Bank Account: A Complete Guide

 Why Link Aadhaar with Your Bank Account?

1. Direct Benefit Transfers (DBT): Government schemes like LPG subsidy, pension payments, and scholarships are directly credited to your Aadhaar-linked bank account.
2. Financial Inclusion: Linking Aadhaar ensures that you can easily avail of financial services and benefits, particularly if you belong to economically weaker sections.
3. Fraud Prevention: It helps in identifying and preventing duplicate or fake accounts, ensuring that benefits reach the rightful beneficiaries.

Methods to Link Aadhaar with Your Bank Account

You can link your Aadhaar card with your bank account through various methods, including online, offline, via SMS, or through an ATM. Let’s explore each of these methods in detail:

1. Online Linking Through Internet Banking

Many banks provide the facility to link Aadhaar through their internet banking portals. Here’s how you can do it:

1. Log in to Your Internet Banking Account:

   • Visit your bank’s official website and log in to your internet banking account using your credentials.

2. Navigate to the Aadhaar Linking Section:

   • Once logged in, find the section labeled “Aadhaar Seeding” or “Aadhaar Linking.”
   • This may be under the "Service Requests" or "My Profile" tab.

3. Enter Your Aadhaar Number:

   • Enter your 12-digit Aadhaar number in the designated field.
   • Re-enter the number to confirm.

4. Submit the Request:

   • After entering your Aadhaar number, click on “Submit” or “Link Aadhaar.”
   • You may receive an OTP (One-Time Password) on your registered mobile number to complete the process.
   • Enter the OTP to confirm your request.

5. Confirmation:

   • Once the process is completed, you will receive a confirmation message on your registered mobile number and email.

2. Offline Linking by Visiting the Branch

If you prefer to link your Aadhaar offline, you can do so by visiting your bank branch:

1. Visit Your Bank Branch:

   • Go to the nearest branch of your bank with a self-attested copy of your Aadhaar card and your bank passbook.

2. Fill Out the Aadhaar Linking Form:

   • Request the Aadhaar linking form from the bank’s customer service desk.
   • Fill in the required details, including your bank account number and Aadhaar number.

3. Submit the Form:

   • Submit the completed form along with the self-attested copy of your Aadhaar card to the bank official.
   • The bank official may ask for your original Aadhaar card for verification.

4. Confirmation:

   • After processing your request, the bank will send you a confirmation message on your registered mobile number.

3. Linking Through SMS

Some banks also offer the facility to link Aadhaar via SMS:

1. Send an SMS:

   • Compose an SMS in the format provided by your bank (e.g., “UIDAadhaar NumberAccount Number”).
   • Send the SMS to the designated number provided by your bank.

2. Confirmation:

   • Once your Aadhaar is linked, you will receive a confirmation message from the bank.

4. Linking Through an ATM

You can also link your Aadhaar card with your bank account using an ATM:

1. Visit the Nearest ATM:

   • Insert your debit card and enter your PIN.

2. Select Aadhaar Linking Option:

   • Choose the “Aadhaar Seeding” or “Aadhaar Linking” option from the menu.

3. Enter Aadhaar Number:

   • Enter your 12-digit Aadhaar number and confirm it.

4. Confirmation:

   • After processing, you will receive a confirmation message on your registered mobile number.

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

Once you have linked your Aadhaar, you can check the status online:

1. Visit the UIDAI Website:

   • Go to the UIDAI website and navigate to “Check Aadhaar & Bank Account Linking Status.”

2. Enter Your Details:

   • Enter your Aadhaar number and the security code (CAPTCHA) displayed on the screen.

3. Check Status:

   • Click on “Check Status.” The website will display the status of your Aadhaar-bank account linking.

Conclusion

Linking your Aadhaar card with your bank account is a crucial step in ensuring that you receive government benefits and subsidies directly in your bank account. The process is simple and can be done through multiple channels, both online and offline. By following the steps outlined in this guide, you can easily link your Aadhaar with your bank account and enjoy the benefits of various government schemes.

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