How To Link Aadhaar With Bank Account By SMS

When you open a bank account, the bank asks you to provide several documents, including your ID and address proof. The most convenient document you can provide is your Aadhaar Card, because it serves as both ID and address proof. Plus, linking Aadhaar to bank account proves helpful if you intend to avail subsidiaries under government welfare schemes. Banks allow you to link your bank account and Aadhaar in different ways, one of which is through SMS. This article explains how to link Aadhaar with bank account via SMS.

Aadhaar linking refers to the process of linking or connecting your 12-digit Aadhaar number, issued by the Unique Identification Authority or India (UIDAI), with various services like bank accounts, mobile numbers, and government schemes. Linking your Aadhaar with your bank account facilitates streamlined access to services and facilities under government welfare schemes while ensuring identity verification.

Indian Banks allow you to link your Aadhaar to your bank account in several different ways, such as internet banking, mobile banking apps, in person at the bank’s branch, through ATMs, phone banking, missed call facilities and via SMS using your Registered Mobile Number (RMN). Let’s find out how the SMS process works.

The process for how to link Aadhaar with bank account is simple. It involves the following steps:

1. Ensure Mobile Number Registration: 

Ensure that your mobile number is registered with both your bank and Aadhaar. This is essential as the linking process involves SMS communication between these two entities.

2. Format of SMS: 

Compose a new SMS on your RMN in the following format: UID<space>Aadhaar number<space>bank account number.

3. Send SMS to the Designated Number: 

Send the SMS to the designated number provided by your bank for Aadhaar linking. This number may vary depending on your bank, so ensure you have the correct number before sending the SMS.

4. Confirmation SMS: 

The bank will initiate the Aadhaar linking process. You will receive a confirmation SMS on your registered mobile number once the linking process is completed.

5. Verify Aadhaar Linkage: 

To verify whether Aadhaar has been successfully linked with your bank account, you can either check your bank’s mobile app, internet banking portal, or visit the nearest branch for confirmation.

Following are the benefits of linking your Aadhaar via SMS:

• Convenience: Linking Aadhaar with your bank account via SMS is a process you can initiate at your convenience, saving time and effort compared to visiting a bank branch.

• Simplicity: The SMS process is straightforward and user-friendly, requiring minimal technical savviness or knowledge.

• Accessibility: This Aadhaar linking method is particularly beneficial as it eliminates the need for you to be physically present at the bank.

• 24/7 Availability: You can link your bank account to Aadhar at any time, including on bank holidays and weekends.

• Inclusivity: This process of linking Aadhar proves inclusive for people residing in remote areas where bank branches are fewer and internet usage is minimal.

Following are the reasons why you should consider linking your Aadhaar to your bank account: 

• To Enjoy DBT Facilities 

Linking bank account and Aadhaar helps you get direct benefit transfers (DBTs) credited directly into your bank account, without the need for intervention from intermediaries. 

• Assists with KYC Compliance 

Aadhaar linked to your bank account acts as a Know Your Customer or KYC verification tool, which enhances the security and authenticity of your bank accounts. 

• Government Services Access 

The linking process enables easy access to various government services and schemes, ensuring beneficiaries receive their entitlements promptly. 

Precautions To Take While Linking Aadhaar 

Keep these points in mind while linking your Aadhaar to your bank account: 

• Ensure Privacy 

Only share your Aadhaar number and bank account details through secure channels. Avoid sharing sensitive information via unsecured SMS or email. 

• Beware of Scams 

Be cautious of fraudulent SMS or calls asking to link Aadhaar with your bank account. Always verify the authenticity of communication before responding. 

• Follow Bank’s Instructions 

Adhere to the specific instructions provided by your bank for Aadhaar linking via SMS to ensure a smooth and successful process.

As one of India’s favourite banks, HDFC Bank is always at the forefront when it comes to providing seamless banking services. If you have not yet, you can link your Aadhaar to your HDFC Bank Savings Account through the many methods listed above. Once you link your account, you can enjoy access to all kinds of DTB facilities and get funds credited into your account promptly.  

*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.