You can link your Aadhar card to a bank account offline using SMS, mobile banking, ATMs, and other methods. In the event that you do not connect your Aadhar card to your bank account, you will forfeit the funds and advantages of the scheme.
By utilising your cell phone number, the mAadhaar app, or the official website of the Unique Identification Authority of India (UIDAI), you can determine whether your bank account and Aadhar card are linked. You may find out here how to verify the status of the Aadhaar and bank account linkage using different online ways.
The government has made it mandatory to link Aadhaar and bank accounts only for receiving government scheme benefits and other benefits provided by the government. However, it is not mandatory to link the Aadhaar card with a bank account to access banking services.
Thus, it is optional to link your Aadhaar card with your bank account. Linking your Aadhaar card with your bank account is only mandatory to access numerous government subsidies and benefits, which include welfare schemes, direct cash transfers, scholarships, and pensions.
Importance of Linking Aadhaar with Your Bank Account
- Improved financial security: You can ensure increased financial security by linking your Aadhaar card with your bank account. This minimises the chances of theft and financial fraud leading to monetary losses.
- Ease of identity verification: Aadhaar card contains all your demographic and biometric data so financial institutions can cross-verify their identity. This ensures that only you can access your bank account, providing maximum security.
- Seamless online transactions: Numerous Aadhaar-enabled payment systems (AEPS) eliminate your need to remember PINs and passwords. Hence, it simplifies financial transactions from your account.
- Ease of account management: Linking your Aadhaar card with your bank account simplifies the KYC process. This helps consolidate identity and address proof, reducing the documentation process for financial transactions.
- Seamless digital payments: Digital payments are extremely common for account holders. Upon linking your bank account with an Aadhaar card, you can access various credit facilities and contribute to the growth of a cashless economy.
- Additional benefits: With the evolving technology, linking an Aadhaar card with a bank account provides an innovative solution to prevent fraud of any type. These solutions include eKYC, biometric-based authentication, and more.
How to Check Aadhaar Bank Linking Status?
Step 1 – Visit the official website of UIDAI.
Step 2 – Click on the ‘Check Aadhaar/Bank Linking Status’ option.
Step 3 – A new bank map page will appear on the screen.
Step 4 – Enter your Unique Identification number (UID) or Virtual ID.
Step 5 – Click on the ‘Send OTP’ option.
Step 6 – Enter the OTP you receive on your registered mobile number.
Step 7 – Click on the ‘Submit’ button.
Step 8 – The bank account which is linked with your Aadhaar will be shown on the screen.
Steps to Check Aadhaar and Bank Account Linking Status via mAadhaar
Step 1 – Open the mAadhaar app and log in to your account.
Step 2 – Tap on the ‘My Aadhaar’ option.
Step 3 – Tap on ‘Aadhaar-Bank Account Link Status’.
Step 4 – Enter your Aadhaar number and captcha code.
Step 5 – Tap on the ‘Request OTP’ button.
Step 6 – Enter the OTP you receive on your registered mobile number.
Step 7 – Tap on ‘Verify’ to check if your bank account is linked to your Aadhaar.
FAQs
How many bank accounts can I link to my Aadhaar?
You can link only one bank account to your Aadhaar.
Is it possible to check my Aadhaar and bank account linking status if my mobile number and Aadhaar are not linked?
No, your mobile number must be linked to your Aadhaar for checking the Aadhaar and bank account linking status.