How to Link Your Aadhaar to Your Bank Account: Full Guide

Linking your Aadhaar to your bank account is a simple but essential process that helps in direct benefit transfers, subsidies, and secure banking transactions. The Indian government and banks offer multiple ways to complete this process, including online, mobile banking, SMS, and visiting the bank branch. Here’s a detailed step-by-step guide on how to link your Aadhaar with your bank account.

Why Link Aadhaar to Your Bank Account?

• Receive Government Benefits: Subsidies such as LPG subsidy (PAHAL), scholarships, and pensions are directly credited to Aadhaar-linked accounts.
• Prevent Fraud: Aadhaar linking helps in verifying the identity of account holders and prevents fraudulent transactions.
• Easier KYC Process: It serves as a valid Know Your Customer (KYC) document, reducing paperwork.
• Seamless Banking Transactions: Aadhaar simplifies authentication while using digital banking services.

Methods to Link Aadhaar with Your Bank Account

1. Link Aadhaar Through Net Banking (Online Method)

This is one of the quickest and most convenient ways to link Aadhaar with a bank account.

Steps:

1. Log in to your bank’s net banking portal using your credentials.
2. Go to the Aadhaar linking section – usually under “Service Requests” or “Update Aadhaar”.
3. Enter your 12-digit Aadhaar number and re-enter it for confirmation.
4. Authenticate using OTP sent to your registered mobile number.
5. Submit the request and wait for confirmation.
6. Once processed, you will receive a confirmation SMS or email from the bank.

2. Link Aadhaar via Mobile Banking App

Most banks now allow Aadhaar linking through their mobile apps.

Steps:

1. Download and log in to your bank’s official mobile banking app.
2. Navigate to the Aadhaar update section (often under profile or settings).
3. Enter your Aadhaar number and submit.
4. Authenticate via OTP received on your Aadhaar-registered mobile number.
5. You will receive a confirmation message once the linking is successful.

3. Link Aadhaar via SMS (For Select Banks)

Some banks provide an SMS-based Aadhaar linking facility. Check with your bank to confirm availability.

Steps:

1. Open your SMS app and type the following message in the given format: UIDAadhaarNumberAccountNumber
2. Send the SMS to the bank’s Aadhaar linking number (varies by bank).
3. You will receive a confirmation SMS once the linking is successful.

4. Link Aadhaar by Visiting the Bank Branch

If you are unable to link Aadhaar through digital methods, you can visit your bank branch.

Steps:

1. Visit your bank’s nearest branch with your original Aadhaar card and a photocopy.
2. Ask for an Aadhaar seeding form and fill in the required details.
3. Submit the duly filled form along with a self-attested photocopy of Aadhaar.
4. Your bank official will verify your details and process the request.
5. Once linked, you will receive a confirmation SMS from your bank.

5. Link Aadhaar via ATM (For Select Banks)

Some banks provide Aadhaar linking facilities through ATMs.

Steps:

1. Insert your debit card and enter your ATM PIN.
2. Select the “Aadhaar Seeding” or “Service Requests” option.
3. Enter your Aadhaar number and confirm.
4. You will receive an SMS notification once the process is completed.

How to Check Aadhaar Linking Status?

1. Through Net Banking or Mobile App

• Log in to your bank’s online portal or mobile app.
• Go to the Aadhaar Status section under “My Profile” or “Service Requests”.
• You’ll see whether your Aadhaar is successfully linked.

2. Check via UIDAI Website

• Visit the official UIDAI website: https://uidai.gov.in
• Click on “Check Aadhaar & Bank Account Linking Status”.
• Enter your Aadhaar number and the OTP received on your registered mobile.
• The website will show whether your Aadhaar is linked to a bank account.

3. Check via SMS

• Send an SMS in the following format: “STATUSAadhaarNumber” to the designated number of your bank.
• You’ll receive an SMS with the linking status.

Common Issues and Troubleshooting

1. Aadhaar Linking Request Rejected

• Ensure that the Aadhaar number entered is correct.
• Check if your bank account details match with Aadhaar.
• Update your mobile number with the bank if needed.

2. OTP Not Received

• Make sure your Aadhaar is linked to your mobile number.
• Try resending the OTP after a few minutes.
• Contact your bank’s customer care for assistance.

3. Linking Not Updated in Bank Records

• Some banks take 3–5 working days to process the request.
• If the status doesn’t update, visit the bank branch with Aadhaar proof.