How to Link Aadhaar with Bank Account Online: Detailed Guide and Standard Operating Procedure (SOP)

In India, linking Aadhaar with your bank account has become crucial to access government welfare schemes, subsidies, and to comply with regulatory requirements. Aadhaar, a 12-digit unique identity number issued by the UIDAI, acts as a valid proof of identity and address. Linking it to your bank account facilitates direct benefit transfers and simplifies banking processes.

This article provides a comprehensive overview of how to link Aadhaar with your bank account online, benefits of linkage, and a detailed SOP to perform this securely and efficiently.

Why Link Aadhaar with Bank Account?

· Direct Benefit Transfer (DBT): Government subsidies, pensions, scholarships, and social welfare payments are credited directly to the beneficiary's bank account when Aadhaar is linked.

· Simplified KYC: Aadhaar linkage serves as a KYC (Know Your Customer) update, saving repeated verification steps.

· Enhanced Security: Aadhaar’s biometric authentication adds a layer of security.

· Ease of Access: Enables services like Aadhaar-enabled Payment System (AePS) for banking via biometric authentication.

· Regulatory Compliance: Linking Aadhaar is mandatory as per government regulations for continued banking services.

Methods to Link Aadhaar with Bank Account Online

1. Using Internet Banking

· Log in to your bank’s internet banking portal with customer ID and password.

· Navigate to “My Account” or “Profile” section.

· Find the option “Update Aadhaar” or “Link Aadhaar with Bank Account.”

· Enter your 12-digit Aadhaar number twice for confirmation.

· Submit the request.

· You will receive an SMS confirmation on your registered mobile number once the linking is successful.

2. Via Bank’s Mobile Application

· Download and open your bank's official mobile app.

· Go to the “Services” or “Account Settings” section.

· Select “Link Aadhaar” or “Update Aadhaar Details.”

· Enter and confirm your Aadhaar number.

· Submit the details.

· Confirmation SMS will be sent on your registered number.

3. Through SMS Method

· Send an SMS to your bank’s designated number (often 567676).

· SMS format: UID <space> Aadhaar Number <space> Account Number

· You will get a confirmation SMS after successful linking.

4. Using ATM Services

· Visit your bank’s ATM.

· Insert your ATM card and enter your PIN.

· Select “Services” and then “Aadhaar Registration.”

· Enter your Aadhaar number twice.

· Confirmation will be sent to your registered mobile number.

5. Online Portal Provided by Banks or UIDAI

· Some banks provide dedicated online Aadhaar linking portals.

· UIDAI also provides a portal to check Aadhaar-bank seeding status.

How to Check Aadhaar Linking Status Online?

· Visit the official UIDAI website’s bank seeding status page.

· Enter your Aadhaar number and authenticate via OTP sent on your registered mobile.

· The system will display whether your Aadhaar is linked to your bank account.

Standard Operating Procedure (SOP): How to Link Aadhaar with Bank Account Online

Step No.	Action	Details/Instructions
1	Prepare documents and information	Ensure Aadhaar card and bank account details (account number, registered mobile) are available.
2	Access bank’s online platform	Open internet banking portal or official mobile app of your bank.
3	Login securely	Enter customer ID and password for internet banking or login credentials for mobile app.
4	Locate Aadhaar linking option	Navigate to “My Account,” “Profile,” or a designated Aadhaar option.
5	Enter Aadhaar number	Input your 12-digit Aadhaar number twice for confirmation.
6	Submit the request	Submit the details through the platform to initiate linking.
7	Confirm mobile number	Ensure the mobile number linked with Aadhaar and bank account is the same for OTP verification.
8	Authorize with OTP	Enter OTP received on your registered mobile phone to confirm the linking request.
9	Receive confirmation	Wait for the confirmation SMS or notification on the platform confirming the linkage.
10	Verify linking status (optional)	Visit UIDAI website or bank portal to verify if linkage is successful.

Important Notes

· Mobile number linked to your Aadhaar must be active for OTP authentication.

· Linking Aadhaar with multiple bank accounts is possible; each account requires a separate linking request.

· The process is free of charge from the banks.

· If any issue arises in the online process, visit your bank branch with your Aadhaar card physically for assistance.

· Keep your Aadhaar details confidential and do not share OTPs or personal information with anyone.

Conclusion

Linking Aadhaar with your bank account online is straightforward and offers numerous benefits like direct government benefits transfer, easy KYC updates, and enhanced security features. With multiple online methods—through internet banking, mobile apps, SMS, and ATM services—the process is convenient and secure.

Following the outlined SOP ensures a smooth Aadhaar linking process with minimal errors, making banking and government benefit access seamless.

If you need help with specific bank portals or further assistance, feel free to ask!

This article and SOP are based on the latest available guidelines and digital banking practices in India as of August 2025.^[1]^[2]^[3]

⁂

1. https://www.ujjivansfb.in/banking-blogs/banking-services/how-to-link-aadhaar-with-bank-account-offline-and-online

2. https://www.dcbbank.com/blog-details/how-to-link-your-aadhaar-with-a-bank-account

3. https://bank.sbi/documents/136/1364568/AADHAAR_LINKING.pdf

4. https://www.incometax.gov.in/iec/foportal/help/how-to-link-aadhaar

5. https://www.icicibank.com/personal-banking/accounts/link-your-aadhaar

6. https://apps.indianbank.in/aadhaarseeding/

7. https://www.npci.org.in/PDF/nach/faqs/apbs-customer/Aadhaar-seeding-process.pdf

8. https://myaadhaar.uidai.gov.in/bank-seeding-status