How to Link Your Aadhaar Card with Your Bank Account – Step-by-Step Guide

04^th Nov 2025...

Published By : 811

Key Takeaways

Linking Aadhaar with a bank account ensures direct credit of government subsidies, smoother KYC verification, and enhanced transaction security.
The process can be completed online through internet or mobile banking, via SMS, at an ATM, or by visiting a bank branch.
Online linking requires logging into the bank portal, entering the 12-digit Aadhaar number, and confirming with OTP authentication.
Offline linking can be done by submitting a self-attested Aadhaar copy and a filled linking form at the bank.
Aadhaar-bank link status can be checked anytime through the UIDAI website or by dialing 9991# from the registered mobile number.
Linking may fail due to mismatched details, unregistered mobile numbers, or technical delays; re-submission usually resolves the issue.
Completing Aadhaar linking helps maintain verified banking records and ensures uninterrupted access to government and digital financial services.

Your Aadhaar card is one of the most important identity documents in India. It serves as proof of identity, address, and even helps in verifying access to government benefits and financial services. To make these services smoother, the government encourages all citizens to link their Aadhaar number with their bank accounts.

If you have not yet completed the Aadhaar card link bank account process, this detailed guide will walk you through everything.

Why Linking Aadhaar with Your Bank Account Matters

Linking your Aadhaar card to your bank account ensures seamless verification and quick access to various government subsidies and financial benefits directly into your account. This step also strengthens the Know Your Customer (KYC) process, helping banks verify your identity accurately and securely.

Some key reasons to complete your Aadhaar card link to bank account include:

Direct benefit transfers: Subsidies for LPG, pensions, scholarships, and other welfare schemes are credited directly to Aadhaar-linked accounts.
Simpler KYC compliance: Aadhaar-based authentication speeds up account opening and verification.
Safe and verified transactions: Linking helps prevent misuse or duplicate accounts by confirming the owner’s identity.
Convenient digital services: Aadhaar-linked accounts make it easier to use mobile banking, UPI, and other digital payment tools.

Overall, linking Aadhaar enhances both convenience and security in your financial transactions.

Also Read: Benefits of Linking your Aadhar Card to a Bank Account

Ways to Link Aadhaar with Your Bank Account

You can complete your Aadhaar-bank linking through several convenient channels, both online and offline. The process is simple and usually takes only a few minutes.

Linking Aadhaar to Bank Account Online

Most banks offer an online facility to link your Aadhaar number through internet or mobile banking. Here’s how you can do it:

Log in to your net banking portal using your user ID and password.
Navigate to the section titled Aadhaar Registration, Aadhaar Linking, or My Profile.
Enter your 12-digit Aadhaar number in the space provided.
Verify your number carefully before submission.
Confirm the details and submit the request.

You’ll receive a confirmation message on your registered mobile number once the linking is complete.

Some banks also allow you to do this via their mobile app. It is a faster and more convenient way to finish the Aadhaar card link to bank account process without visiting a branch.

Linking Aadhaar through the ATM

Many banks now allow customers to link their Aadhaar using ATMs.
Steps to follow:

Insert your debit card and enter your PIN.
Choose the Aadhaar Registration or Aadhaar Linking option on the screen.
Enter your 12-digit Aadhaar number.
Confirm it once again for accuracy.
The system will process your request, and you’ll receive a confirmation message after successful linking.

This is a convenient option if you prefer an offline yet quick method.

Linking Aadhaar through SMS

Some banks also offer the option to link Aadhaar by sending an SMS from your registered mobile number.

Check your bank’s SMS format for Aadhaar linking.
Send the SMS to the designated number (available on the bank’s official website).
You’ll receive a confirmation message acknowledging your request.

Once processed, you’ll get another message confirming the successful linking or advising you to visit a branch if further verification is needed.

Linking Aadhaar at the Bank Branch

If you’re more comfortable completing the process in person, you can visit your bank branch.
Steps for offline linking:

Carry a self-attested copy of your Aadhaar card and your passbook or debit card.
Request the Aadhaar Linking Form from the bank representative.
Fill in the required details including your name, account number, and Aadhaar number.
Submit the form along with the copy of your Aadhaar card.
The bank official will verify your details and process your request.

Once linked, you’ll receive a confirmation message on your registered mobile number or email.

Linking Aadhaar through the UIDAI Website

You can also verify and link your Aadhaar with your bank account through the official UIDAI website.
Here’s how:

Visit https://uidai.gov.in.
Click on Check Aadhaar & Bank Account Linking Status.
Log in using your Aadhaar number and the OTP received on your registered mobile number.
View your Aadhaar bank link status on the screen.

This facility allows you to confirm whether your bank account is already linked with your Aadhaar or if action is still pending.

Also Read: Is Aadhaar Mandatory for Opening a Bank Account?

How to Check Aadhaar Bank Link Status

If you’ve already submitted your Aadhaar linking request, it’s easy to check its progress.

Method 1: Through the UIDAI Website

Go to the UIDAI website and click on Check Aadhaar & Bank Account Linking Status.
Enter your Aadhaar number and generate OTP.
The page will display whether your Aadhaar is successfully linked to your bank account.

Method 2: Through Mobile Number

Dial 99991*1# from your registered mobile number and follow the IVR instructions.
You’ll receive your Aadhaar-bank linking status through SMS.

This quick check ensures that your linking is active, and your account is ready for subsidy credits or authentication.

Common Reasons for Aadhaar Linking Failure

In some cases, the request might not go through successfully. Here are the usual reasons:

The mobile number linked to your bank is not the same as the one registered with Aadhaar.
Incorrect Aadhaar number entered during linking.
Bank account details mismatch during verification.
Technical delays in data updates between the bank and UIDAI.

If you face any of these issues, you can re-submit the linking request through any of the methods mentioned above or contact your bank branch for assistance.

Tips for Safe Aadhaar Linking

Always use official bank channels or the UIDAI website.
Avoid sharing your Aadhaar details or OTP on unofficial links or calls.
Keep your registered mobile number active to receive updates and alerts.
Verify the Aadhaar bank link status regularly to ensure it remains active and updated.

Final Thoughts

Linking your Aadhaar card with your bank account is a simple one-time process that offers long-term convenience and security. Whether you prefer online, mobile, ATM, or branch methods, the process takes only a few minutes and keeps your banking profile fully verified.

Once linked, you can check your Aadhaar bank link status anytime through the UIDAI website or your bank’s app.

Completing your Aadhaar linking process at the earliest ensures that your financial information stays secure, your transactions remain smooth, and your access to essential benefits continues without interruption.

FAQs

1. Can I link multiple bank accounts with my Aadhaar card?

Yes, you can link your Aadhaar card to multiple bank accounts. However, only one account will be used for receiving government subsidies under the Direct Benefit Transfer (DBT) scheme.

2. How long does it take for Aadhaar linking to reflect?

Typically, the linking process is completed within two to three working days, but in some cases, it may take longer depending on verification.

3. Can I link Aadhaar to my bank account without visiting the branch?

Yes, most banks allow online linking through their website, mobile app, or internet banking. You can also use an ATM or SMS facility where available.

4. What should I do if my Aadhaar linking request fails?

Check for any data mismatches such as incorrect Aadhaar number or unregistered mobile number. Re-submit your request online or visit the nearest bank branch with your Aadhaar card for re-verification.