How to Link an Aadhaar Card to a Bank Account?

With every sector tapping into the digital world, the workflow has become simpler and more effective. In dire need of reducing paperwork in banking services, the Aadhaar card is a document that nullifies the need for tonnes of documents for processes like loan applications.

Moreover, if your Aadhaar card link to your bank account is active, it further reduces the difficulties of quick funds transfer. It can be done in a few simple steps via different modes, impacting the loan process discussed in this blog.

Ways to Link an Aadhaar Card to a Bank Account

There is a straightforward process for an Aadhaar card to link to a bank account. However, there are modes through which you can link them:

1. Online Mode

   1. Visit your bank’s internet banking portal and log in with your credentials.

   2. Look for the ‘Aadhaar Linking’ option in the ‘Profile’ section.

   3. Fill in your Aadhaar number.

   4. Now, submit the details, and you’ll receive an OTP on your mobile to link your Aadhaar number with your bank account online.

   5. You’ll get an email or message for confirmation if it is successfully verified.

2. Offline Mode

   1. Visit your bank’s nearest branch.

   2. Ask for a form for an Aadhaar link to your bank account.

   3. Submit your form with a copy of your Aadhaar card. It would be wise to carry the original one for verification.

   4. After verifying your details for the Aadhaar link bank account, the bank officials will give you a slip.

3. Via SMS

   Are you surprised to know how to link Aadhaar with a bank account via SMS? Some banks offer this service through the following steps:

   1. Send an SMS in the prescribed format to your bank’s designated number. The format and number are usually available on the bank’s website or customer service.

   2. In the meantime, the bank verifies your UIDAI number.

   3. When you link your Aadhaar card with the bank account online process, the bank notifies you via SMS.

4. Through an ATM

   Certain banks allow you to enable an Aadhaar card link to the bank account through an ATM:

   1. Go to your bank’s ATM for easy access.

   2. Insert your debit/ATM card and enter your PIN.

   3. Select the Aadhaar registration option on the screen.

   4. Enter your 12-digit Aadhaar number and confirm the details.

   5. Once linked, you will receive an SMS confirmation on your registered mobile number.

5. Mobile Banking App

   If you are searching for how to link Aadhaar with a bank via mobile banking apps, you can follow these steps:

   1. Download and open your bank’s mobile banking app to log in with your credentials.

   2. Look for the services section for Aadhaar linking.

   3. Fill in the required details, and choose the account you wish to link.

   4. Check all the columns and submit carefully.

   5. After receiving an OTP, you’ll get a confirmation message with the Aadhaar card link to your bank account.

How Do Aadhaar and Bank Account Link Affect Your Loan Application?

Since you know how to link Aadhaar with your bank account online, you should be aware of the ways it impacts your loan application:

1. Document Verification is Done Faster

   When you read the instructions on how to link an Aadhaar card to a bank account online accurately, banks and financial institutions don’t indulge in heavy paperwork. It gives them an instant update on your address and identity proof, speeding up the loan application.

2. Fewer Documents Required

   When you activate an Aadhaar card link to your bank account, this document serves as a single document to verify your details. Lenders may not ask for additional papers for this.

3. Improves Eligibility

   You can maintain a better financial profile by ensuring that all your government subsidies and benefits are directly credited to your Aadhaar-linked bank account. It creates a positive approach towards loan approval for new-to-credit users as well.

4. Convenience

   Having your Aadhaar linked to a bank account makes it easier to apply for various types of loans without repeatedly providing identity proof, thus simplifying the process..

Enhanced Loan Approval Chances with Aadhaar-linked Bank Account

Linking your Aadhaar card to your bank account is a simple yet powerful step that can significantly benefit you, especially when applying for loans. Anyone can need financial assistance at any time. For smooth loan approval and instant funds disbursal, the Aadhaar-linked account contributes as a saviour.

With the above-listed steps to activate the Aadhaar card link to your bank account, you can enjoy a seamless experience. You can benefit from this through trusted lending platforms. Through our 24/7 online availability, you can unlock financial possibilities anytime.

To get a personal loan, check your eligibility now!

Frequently Asked Questions