Check Aadhaar Linking Status with Bank Account

Importance of Linking Aadhaar with your Bank Account

Linking Aadhaar with bank account is not mandatory for banking services such as transferring funds, opening a bank account, etc. However, given below are a few key reasons why is it always good to link Aadhaar with your bank account:

• Better financial security: Linking Aadhaar with your bank account can help increase financial security as it reduces the chances of theft and financial fraud resulting in monetary losses.
• Seamless online transactions: Online financial transactions from your account can get more seamless and simplified once you link your Aadhaar with your bank account as various Aadhaar-enabled payment systems (AEPS) eliminate the need to remember your PINs and passwords.
• Ease of identity verification: All your biometric and demographic data is linked to your Aadhaar which makes it easy for financial institutions to cross-verify your identity. This helps ensure that only you have access to your bank account and offers maximum security.
• Easy management of account: Linking Aadhaar with your bank account also simplifies the KYC process. This helps consolidate address and identity proof, minimizing the documentation process for financial transactions.
• Seamless digital payments: Once you link your bank account with Aadhaar, you can use various credit facilities and make digital payments easily contributing to the growth of a cashless economy.
• Additional benefits: Aadhaar-bank account linking can also help minimize/avoid various types of frauds with the use innovative solutions such as eKYC, biometric-based authentication, etc.

FAQs

Q1. Can I check my Aadhaar and bank account linking status if my mobile number is not linked to Aadhaar?

No, to check your Aadhar Bank linking status your mobile number should be linked to your Aadhaar.

Q2. Am I required to pay any charges to check my Aadhaar-bank account linking status?

No, you are not required to pay any charges to check your Aadhaar Bank account linking status.

Q3. How many bank accounts can be linked to Aadhaar?

You can link your Aadhar card with only one bank account.

Q4. What if my Aadhaar bank seeding status is inactive?

In case your Aadhaar bank seeding status is shown as “inactive”, it means that your bank account has not yet been linked to your Aadhaar card. You will have to visit the bank branch physically and fill up and submit the linking form again.

Q5. I have multiple bank accounts. Where will my DBT benefits be deposited?

You will get your DBT benefits in only one account, which you specified when you submitted the consent form and mandate to link your bank account with Aadhaar. The bank will link this account to the NPCI mapper in order for it to function as a DBT account.

Q6. How can I change my account for receiving DBT funds?

You need to visit your nearest bank branch and submit a copy of your Aadhaar card along with the mandate and consent form from your bank in order to change/upgrade your bank account to receive DBT funds.

Q7. What are the key benefits of linking Aadhaar card and bank account?

• Government benefits such as welfare funds, MNREGA wages, scholarships, etc. can be credited directly to your bank account.
• If your Aadhaar card is linked to your bank account, government subsidies including on LPG, sugar, kerosene, etc. can also be directly credited to your bank account.
• The chances of fraudulent activity are minimized in case of Aadhaar-enabled accounts. Moreover, the leaking of government spending is prevented and fraudulent transactions can be easily detected.
• Moreover, the Aadhaar Enabled Payments Systems (AEPS) online, interoperable architecture will enable residents access their accounts from anywhere in the country.

Q8. Can I check the Aadhaar bank linking status by bank branch visit?

Yes, you can visit your bank’s home branch to check your Aadhaar bank seeding status or Aadhaar seeding status. You can ask the bank’s representatives to confirm if your bank account has been linked to Aadhaar. Carrying your bank passbook can help you know the Aadhaar bank linking status more easily.

Alternatively, the bank may ask you for details such as your Aadhaar, PAN and date of birth before confirming the Aadhaar bank seeding status.

Q9. Unable to fetch Aadhaar seeding status from NPCI. Please try again after some time. Error occurred, what should I do?

You can wait and try again after sometime. Moreover, ensure that the details you enter such as your Aadhaar number are correct and your mobile number is linked with UIDAI.

Q10. How to check DBT linked account status?

If you are receiving subsidy or any kind of DBT benefits in your bank account that means that your Aadhaar is linked to your bank account.

Q11. Which bank is linked to my Aadhaar?

To find out which bank is linked to your Aadhaar card, you can visit the UIDAI website, click on “Bank Seeding Status” and enter the necessary details.

Q12. What are the common issues faced while linking Aadhaar with a bank account?

Some of the common issues include linking personal information and financial data, identity theft and fraud as well as mismatches in details such as name, gender and date of birth of the account holder. Other issues may include authentication errors, biometric failures, fake Aadhaar cards, Aadhaar registrations, etc.

Q13. What happens if my bank account is not linked to Aadhaar card?

It is not mandatory to link your Aadhaar with bank account and you won’t face any trouble in case you have not linked your Aadhaar with your bank account. However, it is mandatory to link your Aadhaar with your bank account in case you wish to receive government scheme benefits and subsidies in your bank account.