What is Aadhaar Card?

Home Buyers as Financial Creditors

Aadhaar is an initiative of Government of India to provide a unique identity number to all Indians. Aadhaar number is a 12-digit unique number issued by the Unique Identification Authority of India (UIDAI) by taking a person's biometric details such as iris scan and fingerprints, and demographic information like date of birth and address. Though the Aadhaar card is still not mandatory, yet the numbers of transactions and facilities that are required to be linked to Aadhaar number have been increasing.

Which accounts are to be linked to Aadhaar?

Government of India has made it mandatory for Indian Residents to link their investment accounts, social security scheme accounts and various public schemes to Aadhaar. Given below is a list of accounts and services that require you to mandatorily link your Aadhaar.

  • PAN
  • EPF Account
  • Insurance policy
  • Ration Card
  • Mutual Funds

Latest Update on Aadhaar Card

The Supreme Court on 26th September, 2018 ruled that Aadhaar Card does not violate the right to privacy and is constitutionally valid but with conditions. Here are the key takeaways on the Supreme Court’s verdict on Aadhaar:

  • It is mandatory to quote Aadhaar ID or Enrolment ID of Aadhaar application form for filing Income Tax Return and for applying for making an application for allotment of Permanent Account Number (PAN).
  • Aadhaar cannot be mandated for the opening of bank accounts and for mobile connections either.
  • It is no longer required to link your Aadhaar card to phone numbers and bank accounts.
  • Aadhaar Card is not compulsory for school admissions. CBSE, UGC and NEET cannot make Aadhaar mandatory.
  • The SC struck down section 57 of the Aadhaar Act, which means that private companies cannot insist on Aadhaar details of customers.
  • For the enrolment of children into the Aadhaar system, it would be essential to have the consent of the child’s parents. They can opt out of the system on attaining majority.
  • Telecom companies will now accept other documents like passport, driving license and voter ID for a mobile connection.
  • The SC also struck down Section 33 (2) of the Aadhaar Act. This means, investigating agencies would now require a judicial warrant to access data of a person under investigation.

How can one link Aadhaar to PAN and other facilities?

Name of the account/service/facility Offline Online
Pension Account
  • Get an EPF Aadhaar Seeding Application form.
  • Fill Aadhaar details, and submit to your bank.
  • Documents : a photocopy of your Aadhaar card, UAN, and PAN.
  • Login to the EPFO Unified EPF Portal.
  • Select KYC from the dropdown menu.
  • Fill your Aadhaar number and other details as requested and submit
PAN
  • Get a PAN Aadhaar Seeding Application form.
  • Fill Aadhaar number, and submit at designated PAN Service Centres.
  • Documents: a photocopy of your Aadhaar card, UAN, and PAN.
  • Go to Income Tax India e-filing website and click on ‘Link Aadhaar’ tab.
  • Fill in your Aadhaar details or SMS UIDPAN and send to 567678 or 56161.
Insurance Policy
  • Visit nearest branch of the insurance company or contact the insurance agent.
  • Submit the required documents for linking.
  • Documents: Photocopy and original Aadhaar card and a self-attested copy of 12-digit unique identification card to the officer.
  • On the customer service portal of the insurance company, fill all the Aadhaar details and submit.
  • Verify the OTP sent to your Aadhaar card mobile number registration.
  • Details will be confirmed by the bank and notification sent via email/mobile number.
Mutual Fund Investments
  • On the CAMS website, go to 'Investor Services' >> 'Link your Aadhaar'.
  • Fill your Aadhaar and PAN details.
  • Click on the fund houses and fill your mobile number to generate an OTP.
  • Once verified, you will be notified via email.
Ration Card
  • Submit the relevant documents to your nearest ration office.
  • Details will be confirmed and notification sent via email/mobile number.
  • Documents: a passport sized photograph of the head of the family, and photocopy of your family’s Aadhaar cards and your ration card.
  • On the official Aadhaar seeding website, click on ‘Start Now’.
  • Enter your details
  • Select the Benefit Type >> ‘Ration Card’.
  • Enter your ration card number, Aadhaar number, and other details.
  • Enter this OTP to process the application.

Tips to make the process of Aadhaar card link easier

At the face of it, linking a long list of facilities to Aadhaar may feel like a cumbersome and confusing task. Especially so, when as a family, there are multiple bank accounts, mobile numbers and even insurance policies that are to be linked. However, with proper planning and understanding one can make the process of linking easier and manageable.

Five Steps to simplify the process of linking various accounts to Aadhaar are:

Step 1: Create a checklist of all services and accounts in your family that are to be linked to Aadhaar along with the name of providers.

Step 2: Identify and choose the process of linking each of the services, accounts and facilities to Aadhaar based on available options and your preferred option. For instance, some individuals might find it easier to submit an application at bank’s counter as compared to submitting an online application for the same or vice versa.

Step 3: Create document sets to be submitted or uploaded: It is advisable to be prepared with attested photocopies of Aadhaar and other accounts document proofs such as insurance policies, PAN Card etc that have to be submitted along with the Aadhaar number.

Step 4: Initiate the process of linking at the earliest possible, ticking out the services for which you have initiated the process, submitted the documents and registered a request for linking.

Step 5: Follow up for status update to ensure that the service provider has successfully updated the Aadhaar number in his records. Typically, you will get a notification on successful linking and you can strike out the item from your list once you receive the notification.

Sample Checklist for Aadhaar Card link to bank account and other facilities

Bank Accounts Name of the account holder and Account Number Preferred Channel of submission Request for Linking Submitted
HDFC Bank Online
Kotak Bank Online
PAN Card Name of PAN card holder Process of submission Request for linking Submitted
PAN No: 1 Online
PAN No: 2 Online
Mobile Service Provider Name of SIM owner and Mobile Number Process of submission Request for linking Submitted
Airtel Visit nearest store Completed
Idea Visit nearest store Completed

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