How to Link Aadhaar and Bank Account to NPCI in Easy Steps?

Digitalisation has allowed us to live conveniently and leverage services in just a few clicks. Technological advancement has helped us simplify time-consuming tasks, from grocery delivery to loan disbursal, in minutes.

Linking your Aadhaar card is one such digital facility that has played a huge role in simplifying your verification and identification process for loans. In this, linking your Aadhaar and bank account to the National Payments Corporation of India (NPCI) is an essential step for a seamless process.

This blog gives a clear understanding of NPCI Aadhaar link bank account online, its benefits for loan accessibility, and the steps to proceed with.

Understanding NPCI Aadhaar Link Bank Account Online

Aadhaar is a unique identity that the Indian government issues to its citizens, allowing them to avail of different government schemes. Moreover, it alleviates the hassles of document verification when you apply for a loan.

On the other hand, NPCI serves as a platform for operating retail payments. It contributes to safe transactions, including UPI (Unified Payments Interface), Aadhaar-enabled Payment System (AePS), and more.

NPCI Aadhaar link bank account ensures you can use various financial services. It includes direct funds transfer to bank accounts and streamlined loan applications.

Why Should You Consider NPCI Aadhaar Linking?

NPCI Aadhaar link bank account online opens a plethora of opportunities if you want to apply for a personal loan, business, or any other loan. Here is a quick look at its benefits:

1. Smooth Loan Process

   NPCI links bank accounts, and Aadhaar facilitates faster identity verification. It expedites your loan application and its approval. It helps in case of emergencies or when you need quick financial support.

2. Direct Benefit Transfers

   If you apply for a government subsidy and have an NPCI Aadhaar-linked bank account online, you can receive direct benefit transfers. This ensures you get funds on time without any hassles.

3. Better Security

   Your bank account and Aadhaar card link with NPCI enhances digital protection by adding additional security for financial transactions. A transparent process also reduces the risk of any fraudulent risks.

4. Financial Inclusion

   NPCI link Aadhaar card makes financial services available to a large segment, catering to new-to-credit users as well. You can still get a loan through the formal banking system if you have a low credit score.

Steps to Link Your Aadhaar and Bank Account to NPCI

If you are wondering how to link Aadhaar to a bank account through NPCI, it is a straightforward process explained with the detailed steps here:

1. Online Method

   Since NPCI invites all the Indian banks for Aadhaar e-KYC service, you can NPCI link your Aadhaar card online and bank account through their official portal:

   1. Log in to Internet Banking:

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

   2. Navigate to Aadhaar Linking Section:

      Look for the ‘Aadhaar Linking’ or ‘Aadhaar Seeding’ option under the ‘Services’ or ‘Profile’ section..

   3. Enter your Aadhaar Number:

      Enter your Aadhaar number in the provided field.

   4. Submit and Verify:

      Submit the details. You’ll receive a One-Time Password (OTP) on your registered mobile number. Enter the OTP to confirm the linking.

   5. Confirmation:

      Once verified, you will get a confirmation message or email from your bank.

2. Offline Method

   If you are looking for how to link Aadhaar with NPCI along with your bank account via offline mode, here is what you need to do:

   1. Visit the Bank Branch:

      Go to the nearest branch of your bank.

   2. Fill out the Form:

      Ask for the Aadhaar linking form; fill it out with the required details.

   3. Submit Documents:

      Submit the form and a photocopy of your Aadhaar card. Carry the original Aadhaar card for verification.

   4. Submit and Verify:

      Submit the details and verify with the OTP shared on your registered mobile number.

   5. Acknowledgement:

      The bank will verify your details and provide an acknowledgement slip upon successful submission.

3. Mobile Banking App

   Many banks allow you to link Aadhaar and bank accounts through NPCI via their mobile app. These are the steps to follow:

   1. Log in to the Mobile App:

      Open your bank’s mobile banking app and log in with your credentials.

   2. Navigate to Aadhaar Linking Section:

      Look for the ‘Aadhaar Linking’ option on the menu.

   3. Enter your Aadhaar Number:

      Enter your Aadhaar number carefully.

   4. Submit and Verify:

      You will receive a confirmation message upon successful linking.

   5. Confirmation:

      Once verified, you will get a confirmation message or email from your bank.

Final Steps

Now you know how to link your bank account with NPCI and your Aadhaar as well, it’s essential for you to:

1. Check Status:

   You can monitor the status of your Aadhaar linking by visiting your bank’s Internet banking portal or directly contacting customer service.

2. Regular Monitoring:

   Keep checking on your bank statements regularly to ensure your bank account and Aadhaar linking are active.

Leverage Maximum Benefits with Bank and Aadhaar Linking via NPCI!

Embracing technological advancement majorly brings huge benefits to us in many processes, be it seeking loans or making payments quickly. It becomes easier if you link your Aadhaar and bank account with NPCI.

If you are unaware of the process of how to link NPCI with a bank account and an Aadhaar card for a loan application, you can follow the simple steps mentioned above.

Moreover, you can seek support from reliable lending platforms when applying for a loan. After validating your details, we enable loan disbursal in 10 minutes.

So, apply for a loan now!

Frequently Asked Questions