Link Aadhaar Number with Bank Account Online: Step-by-Step Guide
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  • Personal
  • Business
  • Corporate
  • Private Banking
  • Privy League
  • NRI Services
  • Investors

In recent years, India has seen an extensive digital transformation, especially in the area of personal identification and banking. Central to this shift is the Aadhaar system. An initiative of the Indian government, Aadhaar not only streamlines identification but also plays a pivotal role in integrating a vast populace into formal banking systems. Through this, every citizen, regardless of socioeconomic status, is brought under a unified system, making financial and governmental services more accessible. This blog will inform you how to link an Aadhaar number with a bank account online in a few steps.

What is Aadhaar Number?

Think of Aadhaar as your unique digital fingerprint in India's vast population. Each Aadhaar is a unique 12-digit number assigned to Indian residents based on their biometric and demographic data. It's more than just a number, though. It's a key that provides access to a plethora of services, including Direct Benefit Transfers, tax-related services, and, notably, banking. Linking the Aadhaar number to a bank account ensures a seamless interface between governmental services and personal banking, enhancing transparency and efficiency in the process.

Benefits of Linking Aadhaar Number with Bank Account Online

  • Seamless Government Benefit Transfers: By linking Aadhaar, you streamline the delivery of governmental benefits straight into your bank account. Be it subsidies, pensions, or scholarships, there's no more waiting in queues or missing out on crucial financial aid.
  • Increased Transaction Security: Every Aadhaar-linked transaction goes through a two-tier authentication process, substantially reducing the chances of unauthorised transactions.
  • Enhanced KYC Verifiability: Banks, at times, require periodic KYC updates. With Aadhaar linked, this process becomes more straightforward, efficient, and quicker.
  • Reduction in Financial Fraud: The biometric authentication associated with Aadhaar acts as a deterrent to potential fraudsters, making your money and personal details much safer.

How to Link Aadhaar with Bank Account Online?

  • Via Net Banking: No more bank visits or paperwork. Simply log into your net banking portal. Once on the page, look for the 'Link Aadhaar' or similar section (often found in the 'Profile' or 'My Account' sections). Enter your Aadhaar details, submit, and voila! You'll usually receive a confirmation once the linking is successful.
  • Via SMS: Quick and easy. Most banks provide a service where you send an SMS in a predefined format to a particular number, and the rest is taken care of. Check your bank's official site or helpline for specific details.
  • Via Mobile Application: It's 2023, and we bet you've got your bank right in your pocket. Open up your bank's official mobile app. Navigate to the 'Services' or 'My Profile' section. Here, just like Kotak Mahindra Bank's user-friendly app, you'll find an option to link your Aadhaar. Follow the steps, and you're all set.

How to Check Aadhaar Card Link Status With Your Bank Account?

  • Online Banking: Pop into your bank's website and log in. Skim through the 'Services' or 'Account Details' section. More often than not, there'll be a section telling you if your Aadhaar is linked to your savings account.
  • ATM Quick Check: The next time you're at an ATM, besides withdrawing cash, give the screen a closer look. Some banks have an 'Aadhaar Linking Status' option.
  • Mobile SMS: Some banks let you send a text and ping you back with the Aadhaar linkage status. Each bank has its own jargon, so maybe check with customer care or your bank's website.

Mobile App Check: If you've got your bank's app, open it up. Dive into the 'Profile' or 'Settings'. A little poking around should lead you to your Aadhaar link status.

Steps to Link Aadhaar with Your Bank Account via the App

Mobile banking apps – they're almost like mini banks in your pocket. Want to know how to link Aadhar with a bank account?

  1. Get Started: Open up your banking app and log in. So far, so good.
  2. Finding 'Link Aadhaar': Shuffle over to sections like 'Services', 'Profile', or even 'More'. One of these should have something like 'Link Aadhaar'.
  3. The Final Step: Ready to link? Punch in your Aadhaar number. Check it twice (you don't want any sneaky typos). Hit confirm, and you should be all set! Before you know it, your bank will likely ping you with a 'Successfully Linked' message.

Also Read- How to Open an Online Savings Bank Account

Steps to Link Aadhaar Card with Your Bank Account via Phone

  1. Ring Them Up: Grab your phone and dial your bank’s customer service or designated Aadhaar linking number. Got it ringing? Great!
  2. Listen In: You'll usually be greeted by an automated voice that will guide you. Pay attention and choose the 'Aadhaar linking' option when prompted.
  3. OTP – The Magic Number: At some point during the call, you'll receive an OTP on the phone number you've registered with your bank. Key it in when asked. This is the bank's way of ensuring it's really you on the other end.

Steps to Link Aadhaar Card with Your Bank Account at the Nearest ATM

Do you know how to link your bank account with Aadhaar using an ATM? When you're making that routine visit to the ATM, you can sneak in a quick Aadhaar linking too. Here’s the drill:

  1. Start as Usual: Slide in your debit card and punch in your PIN. We’re off to a familiar start.
  2. The Aadhaar Hunt: Go through the menu options and watch for 'Services' or 'Aadhaar Linking'. Found it? Brilliant!
  3. Final Input: Here's where you carefully type in your Aadhaar number. Double-check because it's easy to fumble numbers on an ATM keypad. Confirm it, and voila, you're sorted! Remember, some banks might send you a confirmation text or even a slip.

Also Read- Benefits of Savings Account

FAQs About Linking Aadhaar with Bank

1. Is linking Aadhaar to a bank account mandatory for all banks in India?

 Well, the government had put this mandate in place, asking everyone to link their Aadhaar with their bank accounts. 

2. How do I link my Aadhaar with my bank account at an ATM?

Quite simple, really. Step into an ATM, swipe your card, and after you've entered your PIN, you'll see an option along the lines of 'Services' or 'Aadhaar Linking'. Just follow the steps from there.

3. Can I link multiple bank accounts to the same Aadhaar number?

Totally. Your Aadhaar's like your shadow, uniquely yours. So, whether you've got one bank account or a dozen, your Aadhaar can link with them all.

4. What happens if I don't link my Aadhaar number with my bank account?

If you don't link up, your account might not enjoy its usual freedom, and some perks might slip through. So, why risk it?

5. What should I do if my mobile number is not linked with my Aadhaar?

Just swing by the nearest Aadhaar centre. They'll help you get your mobile number in the Aadhaar family.

6. How long does it take for my Aadhaar to be linked to my bank account after I submit the request online?

It's usually a matter of a few working days. But banks have their own pace, so a little patience might be needed.

7. Can I unlink my Aadhaar from my bank account if I change my mind?

 Of course. Your bank will guide you through the "un-linking" process. Just visit your bank and give an application.

8. What information will be shared between my bank and the UIDAI when I link my Aadhaar?

Just the basics for verification. Your data's privacy and safety? That's at the top of the agenda for UIDAI.

9. I live abroad. Can I link my overseas bank account with my Aadhaar number?

The Aadhaar link-up is primarily meant for Indian bank accounts. For international accounts, you might want to check the fine print of both the bank and the country's guidelines.

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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.