Central Government now made it mandatory of linking Aadhaar with your bank account numbers. The deadline for this is 31st December 2017. Hence, it is now imperative for all of us to link and check if Aadhaar is linked to bank accounts or not.
If you have multiple bank accounts, you have to link to all such bank accounts. before the deadline of 31st December 2017. If you fail to link Aadhaar to your bank accounts, then such accounts are blocked. Once you submit the Aadhaar details, then only your account will be operational again.
Who is eligible for Aadhaar?
But whether all individuals are eligible for availing Aadhaar card? Any individual, irrespective of age and gender, who is a resident in India and satisfies the verification process laid down by the Unique Identification Authority of India (UIDAI) can apply for Aadhaar card. NRIs, PIO’s, OCIs as well as foreigners, living in India can also apply for Aadhaar card.
However, as per the definition of eligibility of Aadhaar for NRIs, UDAI clearly defined “As per the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016, only a resident who has resided in India for a period or periods amounting in all to 182 or more in the 12 months immediately preceding the date of application for enrollment is eligible for Aadhaar”.
Hence, even though you are an NRI, if you are residing in India for more than 182 days or more in the 12 months immediately preceding the date of application for enrollment are ONLY eligible.
Therefore, NRIs staying in India for less than 182 days are not eligible for applying Aadhaar.
Who are eligible to link Aadhaar to bank accounts?
All residents who are eligible to apply for Aadhaar can link their Aadhaar to bank accounts. However, as I stated above, NRIs are not eligible to apply for Aadhaar (with specified rules). Hence, it is suggested that they disclose their non-resident status with proof to their bank.
For the status of the account becoming in-operational only, the relevant banks shall be able to give a response. Hence, you have to wait for the bank response.
Also, as per gazette notification of Ministry of Finance, dated 1st June 2017, Aadhaar will be sought for all transactions for an amount Rs.50,000 or above.
How to link Aadhaar to your bank accounts?
You can link Aadhaar to your bank accounts in two ways. Currently, all banks provide an online linking facility of Aadhaar. Using internet banking facility of your bank you can easily link it (features may differ from bank to bank).
Another option is to visit the nearest bank branch and submit the Aadhaar linking form with your Aadhaar details. Few banks nowadays offering the ATM or SMS based lining facility. Hence, check with your bank for available option and based on that opt for the service.
Aadhaar linked Multiple Bank Accounts – To which account LPG subsidy credited?
In case you have multiple bank accounts linked to Aadhaar number, then the LPG Gas subsidy will be credited to the bank account to which you recently linked your Aadhaar number.
Suppose you have a bank account with HDFC Bank and also ICICI Bank. You linked Aadhaar to HDFC Bank on 1st September 2017 and to ICICI Bank on 20th September 2017, then the gas subsidy will be credited to ICICI Bank.
How to check if Aadhaar is linked to bank accounts or not?
Now you might have given Aadhaar card as address proof or identity proof while opening the bank account. But you might have forgotten the same. Hence, obviously, you are into doubt. In such situations how to check if Aadhaar is linked to bank accounts or not?
Thre are three methods through which you can check if Aadhaar is linked to bank accounts or not. I will explain all the three methods below.
# Check if Aadhaar is linked to bank accounts or not – Using Internet Banking Facility
Using your internet banking facility you can easily check the status of whether Aadhaar is linked to bank accounts or not. For example, in case of HDFC Bank, if you log into HDFC Bank Internet Banking, you will have to click on the tab “Request”, there you will find the link “View/Update Aadhaar Number”. If you click the same, then you can check whether your Aadhaar number is linked or not.
# Check if Aadhaar is linked to bank accounts or not – Using UDAI Portal
Step 1-Visit the UDAI Homepage.
Step 2- Under “Aadhaar Services”, click on “Check Aadhaar & Bank Account Linking Status”. This will bring you to another window.
Step 3-Enter your Aadhaar number and also the security code visible to you. Then the OTP will be sent to your registered mobile number. Then you have to enter the OTP and click on the tab Login.
Step 4-Then you will receive the authentication screen where you will find the details like your Aadhaar number, linking status, when you linked and also the bank name.
Do remember that the status will only show you the recently linked Bank details but not the prior linked bank details.
# Check if Aadhaar is linked to bank accounts or not – Using mobile without internet
You can also check Aadhaar is linked to bank accounts or not through mobile even without internet. This is called *99*99# service.
*99*99# is a USSD based value added service from NPCI that facilitates the customers to check the status of his/her Aadhaar number seeding/linking in the bank account. The service works across all GSM service providers and handsets and brings together the diverse ecosystem partners such as Banks and mobile service providers.
As I stated above, this service can be availed even without internet. You can access this service using the common code of *99*99# irrespective of your mobile service provider. You will not be charged additionally for this. This service works even on holidays also. You no need to install any app to use this facility.
Steps to use the *99*99# service are as below.
- Dial *99*99# from your mobile handset.
- A screen to enter your 12 digit Aadhaar number will appear.
- You have to input your 12 digit Aadhaar number in this screen.
- After inputting the Aadhaar number, a confirmation screen will appear.
- You have to confirm the Aadhaar number by entering 1 and submit.
- A confirmation screen will appear showing the Aadhaar number, name of the bank to
which the Aadhaar number is linked and the last updated date.
To avail the last two methods of checking Aadhaar is linked to bank accounts, it is mandatory that your mobile number is linked to Aadhaar card.
The status will show only the last bank details where you linked your Aadhaar to the bank account. If you have multiple bank accounts, then it is better to connect the bank directly either through customer care, visiting the bank or checking using internet banking facility.
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