How to Link Your Aadhaar and Bank Account to NPCI?

Following the recent mandate by the Reserve Bank of India, linking Aadhaar with one’s bank account is mandatory to receive the benefits provided under government schemes. This is done to streamline online transactions and provide individuals with a secure digital banking experience. 

In this article, we will walk you through a comprehensive guide on how to check the NPCI Aadhaar link to bank account status to ensure compliance with the RBI’s recent mandate. 

Mapper for NPCI

National Payments Corporation of India (NPCI) mapper is the repository of Aadhaar numbers linked with a particular bank and used to route the Aadhaar-based payment transactions to the destination banks. 

With NPCI Mapper, individuals can verify the successful processing of their Aadhaar-based payments and ensure that the funds are transferred to the right bank. This verification process involves providing the UID number of the intended receiver and the IIN (Issuer Identification Number) of the bank. 

Why Should You Link Your Aadhaar with NPCI for a Bank Account? 

Aadhaar seeding in NPCI mapper is mandatory to receive provided under various government schemes. Aadhaar seeding with NPCI for bank accounts facilitates convenient DBT (Direct Benefit Transfer) tracking while mitigating the risk of fraudulent activities. 

Once the Aadhaar is linked to the bank account to receive government scheme benefits, individuals should submit their written consent (NPCI Aadhaar Link Bank Account Form) to the bank. The bank will then link the Aadhaar number to the bank account in the NPCI mapper.

How to Link Your Aadhaar and Bank Account to NPCI?

Here is a step-by-step guide on how to link your Aadhaar number and bank account with the NPCI:

Step 1: Visit the official website of NPCI. 

Step 2: Click on the ‘What We Do’ option. Select ’Nach’ and click on ’FAQs’.

Step 3: Click on ‘FAQs on APBS for Customers’.

Step 4: Click on the ‘Aadhaar Seeding Process?’ question and click on the ‘Click Here to View’ option under it.

Step 5: A new page will open containing the Aadhaar Seeding Form. 

Step 6: Download the form, read the instructions carefully and fill out this form. 

Step 7: Submit the form to the bank manager of the bank branch where you have an account to seed your Aadhaar number with the bank account for NPCI mapper.

Once you go through the above steps, your request will be processed. Upon successful processing, an SMS notification will be sent to you within 2-3 working days, specifying the linking status. 

Form for NPCI Aadhaar Link Bank Account

The form for NPCI Aadhaar link bank account includes these details – bank branch, account number, account name, Aadhaar number, mobile number and email. Once the form is filled out, it has to be submitted to your bank. The form for the NPCI Aadhaar link bank account is provided below:

How to Check the Status of your NPCI Aadhaar Linking to your Bank Account?

The Aadhaar NPCI status or status of your NPCI Aadhaar linking to your bank account can be checked by following these steps: 

Step 1: Visit the official website of UIDAI. 

Step 2: Choose the ‘Aadhaar Services’ option under the ‘My Aadhaar’ menu. 

Step 3: Tap on ‘Bank Linking Status’. 

Step 4: Log in to myAadhaar by entering your Aadhaar number and captcha code and click on the ‘Send OTP’ button.

Step 5: Enter the OTP sent to your registered mobile number to validate your identity. 

Step 6: Click on the ‘Bank Seeding Status’ tab. 

Step 7: The Aadhaar NPCI link status will be displayed on the screen.

Limitations of NPCI Aadhaar Linking to Your Bank Account

While there are advantages to linking with NPCI, you must be aware of the limitations associated with this process, which are as follows: 

• An individual can only link one bank account with their Aadhaar at one point. 
• In case you link more than one bank account at a point, there may be an increase in subsidy charges. In this situation, the subsidies will be credited to the last active seeded account. 
• If you fail to receive gas subsidies, you can approach the gas service provider to redo the transactions. Check that the Aadhaar status is active first. 

Now that you know how to check NPCI Aadhaar link bank account status, you can easily ensure compliance with the RBI’s mandate of linking the two. Besides facilitating secure transactions, NPCI Aadhaar linking allows you to avail of Direct Benefit Transfers, grants easy access to government schemes and helps keep track of transactions. Therefore, it is necessary to link your Aadhaar with your bank account if you are receiving any government scheme benefits. 

Frequently Asked Questions

How do I link my Aadhaar to NPCI?

Account holders can link their Aadhaar number with their bank account by visiting the official website of NPCI and downloading the form to form for NPCI’s Aadhaar link bank account.

How can I check my NPCI status?

You can check the status of NPCI Aadhaar-bank linking from UIDAI’s official website.

What is the NPCI mapping form?

An individual has to fill out an NPCI mapping form, which is readily accessible from the NPCI’s official website, to link their Aadhaar number with their bank account. 

How to fill out the Aadhaar link form?

To fill out the Aadhaar Link form, you first need to obtain it from the official website of the bank where you hold an account or by visiting its nearest branch. In this form, you need to accurately specify your bank account details and provide an Aadhaar number. Once filled, you need to attach self-attested photocopies of the supporting documents. 

What should I do if Aadhaar is not mapped to NPCI?

In case your Aadhaar details are not mapped to NPCI, you need to visit your bank branch or contact the nodal officer of the bank branch where you hold an account. 

How will I know whether my Aadhaar is linked with NPCI or not?

To find out whether your Aadhaar is linked with NPCI or not, you need to check the status of your NPCI Aadhaar linking online from the UIDAI website.

How much time will it take for the seeding of the Aadhaar to NPCI?

Generally, it takes around 48 hours to link your Aadhaar to your bank account with NPCI. 

How do I check my DBT-linked account?

To check your DBT-linked account, you need to visit the official website of UIDAI and navigate to the ‘Bank Linking Status’ tab. Following this, all you need to do is enter the OTP to verify your registered Aadhaar credentials. 

Should I visit the bank nodal officers if there is a delay in the mapping process?

Yes, you can visit a bank nodal officer in case there is a delay in the mapping process. Alternatively, you can also consult with the customer service cell of your branch. 

Do I need to pay anything to map Aadhaar with NPCI?

No, Aadhaar mapping with NPCI can be done free of cost. 

Is Aadhaar seeding mandatory for bank accounts?

No, it is not mandatory to link your UID number with your bank account as per the new mandate of the Supreme Court. However, it is mandatory to seed accounts in case you are receiving government subsidies.