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The Aadhaar scheme has been rife with speculations as to its validity and the implications of linking it to various public services across the country. The Supreme Court, while upholding its constitutional validity, made it optional to link it with bank accounts, mobile services and other services used by the consumers. However, bankers have expressed their favourability towards Aadhaar as a convenient form of identity proof while opening bank accounts.
Aadhaar serves as an all in one identity proof, address proof and age proof, thus relieving the customers from producing different documents for these purposes. Aadhaar was conceived as a stepping stone for Digital India and continues to be the preferred document by many for its ease of access.
Linking your Aadhaar to your Bank account can be done easily online or even through ATMs. These days everybody owns a Netbanking account or at least an ATM card, which allows them to link their Aadhaar with their bank account in a few simple steps.
How to Link Aadhaar Card With Your Bank Account
Option 1: Linking Aadhaar through Netbanking
This is the simplest way to link your Aadhaar with your bank account. The process is similar with most banks though the exact terms and options used might vary slightly.
Option 2: Linking Aadhaar through the Bank Branch
For people without Internet Banking facility, simply walk in to the nearest branch of their bank to link their Aadhaar number to their bank account.
Option 3: Linking Aadhaar through SMS Facility
With smart devices prevalent across the country, it is just a matter of few seconds to link your Aadhaar with your bank account. This you can do by sending a single SMS.
Option 4: Linking Aadhaar through ATM
This will hardly take a few minutes and is also the easiest. Most banks have the option to link your Aadhaar through ATMs. Though the labels and options may vary, they predominantly include the following steps:
Option 5: Linking Aadhaar via IVR of Mobile Banking services
If you do not have internet banking or are unable to visit the nearest ATM or Branch, you can link your Aadhaar to your bank account by making a call to the mobile banking services of your bank.
In cases where the customer does not receive a confirmation message about the linking, they can check the status on the UIDAI website.
On this page, you have to enter your Aadhaar number and the given captcha.
Upon clicking on ‘Send OTP’, an OTP will be sent to the mobile number registered with Aadhaar. Once the OTP is validated, the screen will display the bank account number linked to the Aadhaar number.
In order to answer this question, users must understand the background of bank account linking with Aadhaar. The banks, after receiving the Aadhaar number from the customer, seed the same into the account details of the customer maintained in the Core Banking System and uploads such Aadhaar numbers into the NPCI mapper on a regular basis. Now, the NPCI mapper is a repository of Aadhaar numbers linked with particular bank and used for the purpose of routing Aadhaar based payment transactions to the destination banks. This method was primarily introduced to credit various subsidies introduced by the Government.
Therefore, when a customer submits request to link his/her bank account to Aadhaar, the details are updated on the NPCI repository. So, the NPCI will take the last updated bank details in order to carry out Aadhaar based payment transactions to the destination banks. Hence, even if you link multiple bank accounts to your Aadhaar, based on the ‘Last In First Out’ system, the last updated bank account will be taken into consideration.
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