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Link Aadhaar Number with Your Bank Account in Minutes

Key Takeaways

You can link your Aadhaar number to your bank account via the bank’s mobile app, SMS, ATM or a branch visit within minutes.
This is not mandatory for everyone, but it is needed to receive direct government benefits.
Check your linking status through the UIDAI portal or your bank's app.

12 Aug 2026 by Team FinFIRST

Link Aadhaar Number with Your Bank Account

Aadhaar and bank account linking connects your 12-digit Aadhaar number to your bank account, enabling direct benefit transfers and faster verification. You can complete it online through an app or offline via SMS, an ATM or a branch visit.

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What is Aadhaar number and why should you link it to your bank account?

Aadhaar is a 12-digit unique identification number issued by the Unique Identification Authority of India (UIDAI), accepted as valid proof of identity and address across financial services. Aadhaar and bank account linking maps this number to your account for verification and benefit disbursal. Here is why linking matters:

Direct benefit transfer: Enables direct transfer of subsidies, pensions and scholarships.

Simplified KYC process: Simplifies KYC for new accounts, loans and cards.

Lesser paperwork: Reduces paperwork for government schemes and tax filings.

Benefits of linking Aadhaar number with your bank account

Timely benefit transfer: Direct benefit transfer of LPG subsidies, pensions and scholarships without delays

Faster KYC: Faster, paperless KYC for loans and credit cards

Strong account security: Added security, since an Aadhaar linked bank account is harder to misuse

Who needs to link Aadhaar with a bank account?

Individuals receiving LPG subsidies, pensions or scholarships under government schemes

Beneficiaries of welfare programs such as MGNREGA or PM-KISAN

Anyone depositing or withdrawing ₹20 lakh or more in cash in a financial year, or opening a current account, where PAN or Aadhaar must be quoted

Individuals who prefer Aadhaar-based e-KYC for new accounts or loans

It is not mandatory for every individual to have an Aadhaar-linked bank account, except in the cases above.

Different ways to link Aadhaar with bank account

There are four simple ways to link Aadhaar number with bank account.

Through the mobile banking app

Log in to your bank's mobile banking app.
Go to 'Profile' > 'Service Request' and select 'Aadhaar update'
Enter your 12-digit number, submit and await confirmation via SMS or email

Through SMS

Open messaging on your registered mobile number and type the message in your bank's format, usually UID <space> Aadhaar number <space> account number
Send it to your bank's designated number
You will get an acknowledgement, followed by a final confirmation once UIDAI verifies your details

Through an ATM

Insert your debit card, enter your PIN and select 'Services', then 'Aadhaar registration
Enter your account type, account number, and Aadhaar number, then re-enter to confirm
You will get a confirmation message once linked

Through a branch visit

Visit your nearest branch and request the Aadhaar update form, then fill in your account number, customer ID and Aadhaar number
Attach a self-attested Aadhaar copy and submit with your original for verification
Your Aadhaar-linked bank account reflects the update within a few working days

Why link Aadhaar with your IDFC FIRST Bank savings account?

Quick digital process: Complete the process in minutes through the IDFC FIRST Bank mobile banking app

Branch & call support: Get assistance at any nearest branch or through the bank's contact centre

Aadhaar pay: Use Aadhaar Pay for biometric-based payments at merchant counters without a card

Regulatory compliance: Stay compliant with PAN or Aadhaar quoting rules for high-value cash transactions or current account opening

Conclusion

Aadhaar and bank account linking is a quick, largely one-time step that keeps your account verified and ready for receiving government benefits. Whether you prefer linking through the app, SMS, ATM or a branch visit, the process takes only a few minutes to complete.

Frequently Asked Questions

Why link Aadhaar to bank account?

Aadhaar and bank account linking lets subsidies, pensions and scholarships reach your account directly, while also simplifying KYC.

How can I link my mobile number in Aadhaar card online?

Linking a mobile number for the first time needs biometric verification, so it cannot be done fully online. Book an appointment via the UIDAI website and visit an Aadhaar Seva Kendra or opt for the India Post doorstep service.

How can I link my Aadhaar card with Bank Account?

You can complete Aadhaar and bank account linking through your bank's app, net banking, SMS, ATM or a branch visit.

What happens if Aadhaar is not linked to a bank account?

You may miss direct benefit transfers such as subsidies or pensions, though regular banking transactions remain unaffected.

Is linking a bank account with Aadhaar mandatory?

No, it is not mandatory for every individual to link bank account with Aadhaar, it is only needed for specific purposes such as receiving government subsidies or depositing or withdrawing ₹20 lakh or more in cash in a financial year or opening a current account.

How do I know if my bank account is linked to Aadhaar?

Check the UIDAI website with your Aadhaar number and OTP authentication or check your bank's app under your profile.

What is the process to link Aadhaar with a bank account?

The process to link Aadhaar number with bank account involves choosing a method from app, SMS, ATM or branch, and completing verification, after which your Aadhaar-linked bank account status update is reflected.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.