How to Link Aadhaar with Bank Account in India

Indian Aadhaar card with biometric chip on desk

Why Linking Aadhaar with Bank Account is Important

Linking your Aadhaar with your bank account is mandatory in India for receiving subsidies, benefits under DBT schemes, and ensuring KYC compliance. Without this link, your bank account may be ineligible for government transfers.

It also enhances the security of your account and reduces the chances of duplication or misuse of financial identity.

How to Link Aadhaar with Bank Account – Step-by-Step

Option 1: Through Internet Banking

  1. Log in to your bank’s netbanking portal.
  2. Find the option “Aadhaar Seeding” or “Aadhaar Linking”.
  3. Enter your 12-digit Aadhaar number and submit.
  4. Confirmation message will appear once verified with UIDAI.

Option 2: Through Mobile Banking App

  1. Open your bank’s mobile app and go to “Services”.
  2. Select “Aadhaar Linking” and input your Aadhaar number.
  3. Submit and wait for verification message.

Option 3: By Visiting Your Bank Branch

  1. Visit your home bank branch with original Aadhaar and bank passbook.
  2. Fill out the Aadhaar Seeding Form.
  3. Submit to bank officer along with photocopy of Aadhaar.
  4. You'll get an acknowledgment slip and SMS once linked.

Option 4: Via SMS (Only for Selected Banks)

  1. Send SMS in format: AADHAAR12-digit AadhaarAccount Number
  2. Send it to your bank’s Aadhaar linking number (varies per bank)
  3. Receive confirmation SMS once processed

Documents Required to Link Aadhaar with Bank

  • Original Aadhaar card or e-Aadhaar printout
  • Bank passbook or account statement
  • Duly filled Aadhaar Linking Form (if visiting branch)

For online linking, no document upload is required—just Aadhaar number and OTP.

FAQs About Aadhaar and Bank Linking in India

Is it mandatory to link Aadhaar with my bank account?

Yes, especially to receive subsidies under government welfare schemes like LPG, PM-KISAN, etc.

Can I link Aadhaar with multiple bank accounts?

You can link with all accounts, but only one will be treated as the primary for receiving DBT benefits.

How can I check if my Aadhaar is already linked?

Visit UIDAI website and use the “Bank Mapping Status” tool to verify linkage.

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