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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.

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.

  • Login to your ‘Internet Banking’ account
  • Under the tab for service requests, select the option designated to ‘Link Aadhaar with my account’
  • Enter your Aadhaar number and fill the relevant fields on the page
  • Self-verify the information and click ‘Submit’
  • You will get a confirmation message once the linking is complete
  • The bank might take time to verify the information and link the numbers
  • The customer will be sent a message through email or by SMS once the linking is successful

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.

  • Get the relevant form prescribed for Aadhaar linking
  • Duly fill the form with all the information
  • Attach a self-attested copy of your Aadhaar card and along with the form and submit it
  • The bank might take a few days’ time to verify the information and link the numbers
  • You will receive a message through email or by SMS once the linking is successful

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.

  • The SMS format might have slight changes across the banks. However, the most common format looks similar to this
  • 12 digit Aadhaar no. bank account no.
  • The number to which this message needs to be sent also differs from bank to bank. For e.g. SBI requires the SMS to be sent to 567676, the number for UCO Bank is 9231008888, the number for Indian Bank is 9289592895, the number for Kotak Mahindra Bank is 5676788, the number for Citibank is 9880752484, the number for PNB Bank is 5607040, etc.
  • This message can be sent only from the mobile number registered with the bank account
  • Once the bank has verified the information, the customer will get a confirmation message via SMS or email
  • This process may take anywhere from 24 - 48 hours.

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:

  • Swipe/Inset your ATM card
  • Enter your ATM card pin to verify
  • Select the option that allows you to make service requests
  • Click on the option that allows you to link your Aadhaar with the bank account
  • Enter your 12 digit Aadhaar number and submit
  • You will get a confirmation message on the screen

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.

  • Call your bank’s mobile banking services number. The number differs from bank to bank.
  • On the IVR, select the option to link your Aadhaar
  • You will be required to enter your 12 digit Aadhaar number
  • Re-verify the number and select the option to confirm it
  • Once done, you will receive a confirmation message on the IVR and also an SMS or email

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.

How to verify Aadhaar linking status with your bank account

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.

Aadhaar Mapping

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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