The National Payments Corporation of India (NPCI) puts all sorts of retail payments under its umbrella, making it easier for customers to complete their online transactions in a hassle-free way.
As it is a Reserve Bank of India (RBI) program, you must link your Aadhaar and bank account to NPCI,Reserve Bank of India, linking Aadhaar with one’s bank account is mandatory to receive the benefits provided under government schemes. This is done to streamline online transactions and provide individuals with a secure digital banking experience.
What is NPCI Aadhaar Linking
The integration of Aadhaar and NPCI brings together the government of India’s unique identifying number and the services provided by the National Payments Corporation of India (NPCI).
The major goal of connecting Aadhaar with the NPCI is to improve the security, ease, and efficiency of digital payment transactions. Individuals that associate Aadhaar with NPCI services benefit from using their Aadhaar number for authentication when undertaking various financial activities.
This seamless integration speeds up the payment process and provides individuals with a secure and user-friendly experience, hence encouraging a digital and financially inclusive ecosystem.
Why Should You Link Your Aadhaar with NPCI for a Bank Account?
Aadhaar seeding in NPCI mapper is mandatory to receive benefits provided under various government schemes. Aadhaar seeding with NPCI for bank accounts facilitates convenient DBT (Direct Benefit Transfer) tracking while mitigating the risk of fraudulent activities.
Once the Aadhaar is linked with the bank account to receive government scheme benefits, individuals should submit their written consent (NPCI Aadhaar Link Bank Account Form) to the bank. The bank will then link the Aadhaar number to the bank account in the NPCI mapper.
Benefits of NPCI Aadhaar Linking
Direct benefit transfer – Individuals can receive Direct Benefit Transfers (DBT) from government schemes by linking their NPCI and Aadhaar cards. This allows for quick and hassle-free fundraising without the need for a middleman.
Increased security – Linking Aadhaar to NPCI reduces the possibility of untraceable transactions and fraudulent activities through the NPCI mapper. It provides additional security for your financial transactions, verifying their legitimacy.
Transaction tracking – Interactivity allows Aadhaar cardholders to conveniently monitor their spending. Transactions and receipts can be readily tracked throughout the year using the NPCI mapper (which functions as a database linking Aadhaar numbers to specific banks). It is used to route Aadhaar-based transactions to the appropriate destination banks, enabling prudent and transparent financial management.
Digitally convenient – The NPCI’s integration with the Aadhaar card enables individuals to take advantage of digital payments and services. It encourages financial inclusion by offering a secure and efficient platform for digital transactions.
How to Link Your Aadhaar and Bank Account to NPCI?
Step 1: Visit the official website of NPCI.
Step 2: Click on the ‘What We Do’ option. Select ’Nach’ and click on ’FAQs’.
Step 3: Click on ‘FAQs on APBS for Customers’.
Step 4: Click on the ‘Aadhaar Seeding Process?’ question and click on the ‘Click Here to View’ option under it.
Step 5: A new page will open containing the Aadhaar Seeding Form.
Step 6: Download the form, read the instructions carefully and fill out this form.
Step 7: Submit the form to the bank manager of the bank branch where you have an account to seed your Aadhaar number with the bank account for NPCI mapper.
How to Check the Status of your NPCI Aadhaar Linking to your Bank Account?
Step 1: Visit the official website of UIDAI.
Step 2: Choose the ‘Aadhaar Services’ option under the ‘My Aadhaar’ menu.
Step 3: Tap on ‘Bank Linking Status’.
Step 4: Log in to myAadhaar by entering your Aadhaar number and captcha code and click on the ‘Send OTP’ button.
Step 5: Enter the OTP sent to your registered mobile number to validate your identity.
Step 6: Click on the ‘Bank Seeding Status’ tab.
Step 7: The Aadhaar NPCI link status will be displayed on the screen.
You can also check the status by sending an SMS. Follow the steps below to check the status via SMS:
Step 1: Dial *99*99*1# from your registered mobile number.
Step 2: Enter your Aadhar number.
Step 3: Re-enter your Aadhaar number to check if the Aadhar number is linked with the bank account.
FAQs
What should I do if Aadhaar is not mapped to NPCI?
If your Aadhaar has not been mapped to NPCI, you must visit your bank’s branch and inquire about it. Complete the essential steps to ensure the mapping is successful.
How do I check my DBT linked account?
The connection status of Aadhar and bank account can be verified on the UIDAI website, uidai.gov.in. To receive the DBT, individuals must visit the bank where their account was formed and request that Aadhar be linked to their account by filling out the consent form.
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