Linking your Aadhaar number with your bank account through the National Payments Corporation of India (NPCI) is an essential step for availing direct benefit transfers from government schemes. Many individuals are often confused about whether their Aadhaar is linked with NPCI or how to check its status. If you are among them, this detailed guide will explain what Aadhaar-NPCI linking means, why it is important, and how you can complete the process easily from home.
What is Aadhaar-NPCI Bank Account Linking?When you link your bank account with your Aadhaar number, your bank verifies the documents and updates the information in the NPCI mapper. NPCI acts as a central system to ensure Aadhaar-based transactions and benefit transfers are processed smoothly.
The Reserve Bank of India (RBI) has also made Aadhaar seeding with NPCI mandatory to enable direct credit of subsidies, pensions, scholarships, and other government benefits into bank accounts. Apart from that, Aadhaar linkage makes digital transactions easier, faster, and more secure by allowing Aadhaar-based verification.
Step-by-Step Process to Link Aadhaar with NPCIVisit the official NPCI website.
Navigate to the ‘What We Do’ section, select ‘NACH’, and click on ‘FAQs’.
Open ‘FAQs on APBS for Customers’.
Under the question “Aadhaar Seeding Process?”, click on ‘Click Here to View’.
Download the Aadhaar Seeding Form.
Carefully fill in the form with the required details.
Submit the completed form to your bank branch.
Within 2–3 working days, you will receive an SMS confirming whether the linking was successful.
The Aadhaar-bank account linking form typically requires the following details:
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Bank branch name
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Bank account number
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Account holder’s name
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Aadhaar number
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Registered mobile number
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Email ID
Make sure all details are accurate before submitting the form to avoid rejection.
How to Check Aadhaar-NPCI Linking StatusYou can verify whether your Aadhaar is successfully linked to your bank account in two ways:
1. Online Method (via UIDAI Website)-
Go to the UIDAI official website.
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Under ‘My Aadhaar’, select ‘Aadhaar Services’.
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Click on ‘Bank Seeding Status’.
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Enter your Aadhaar number and captcha, then click ‘Send OTP’.
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Enter the OTP received on your registered mobile number.
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The status of your Aadhaar-bank NPCI linkage will be displayed on the screen.
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Dial 9999*1# from your registered mobile number.
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Enter your Aadhaar number.
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Re-enter your Aadhaar number for confirmation.
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Your Aadhaar linking status will be displayed on the screen.
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Ensures direct transfer of government benefits into your bank account.
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Enables Aadhaar-based authentication for financial transactions.
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Helps avoid delays or rejections in subsidy or pension payments.
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Provides a secure and transparent system for fund transfers.
Linking your Aadhaar with your bank account through NPCI is not just a regulatory requirement but also a financial safeguard. It ensures seamless credit of government subsidies and benefits directly into your account while also making Aadhaar-enabled transactions safer and faster.
By following the simple steps listed above, you can complete the process easily and verify the status online or through your mobile phone.
For anyone still unsure about their Aadhaar linkage, it is advisable to check and complete the process at the earliest to avoid disruption in receiving government benefits.
