Aadhaar has become an essential part of banking and financial transactions in India. However, many people confuse the concepts of Aadhaar Linking and Aadhaar Seeding. While both involve associating Aadhaar with a bank account, their purposes and functionalities differ.
What is Aadhaar Linking?
Aadhaar Linking refers to the process of providing your Aadhaar number to a bank while opening or managing your account. This process helps in identification and Know Your Customer (KYC) verification.
Key Features of Aadhaar Linking:
- Aadhaar is linked to a bank account for verification and compliance.
- It is primarily used for identification and KYC purposes.
- A single Aadhaar can be linked to multiple bank accounts.
Aadhaar linking ensures that your identity is verified and enables smoother banking operations. However, it does not automatically enable Aadhaar-based payments or subsidy benefits.
What is Aadhaar Seeding?
Aadhaar Seeding is a more specific process that involves associating a particular bank account with Aadhaar to enable direct benefit transfers (DBT) from the government. This ensures that government subsidies, pensions, and welfare benefits are directly credited to the Aadhaar-seeded bank account.
Key Features of Aadhaar Seeding:
- It enables Aadhaar-based payments and subsidies.
- Ensures direct credit of government benefits into the seeded bank account.
- Only one bank account can be seeded with Aadhaar at a time.
- Exclusively used for receiving government subsidies and Aadhaar-enabled payment services.
Aadhaar seeding is necessary for availing government welfare schemes such as LPG subsidies, pension payments, and other Aadhaar-linked benefits.
Why is Aadhaar Seeding Important?
Aadhaar Seeding is important as it enables DBT (Direct Benefit Transfer) for various government schemes. Citizens can get subsidy, or money from government directly in their Bank Account if Aadhaar Seeding is done and DBT is enabled.
How to Check and Complete Aadhaar Seeding in Banks Online?
You can check whether Aadhaar Seeding is enabled for your bank account by visiting your bank branch or you can also check via online banking services. Alternatively, you can visit https://uidai.gov.in/ website to check AADHAAR linking status with Bank account. Then Click on “My Aadhaar Tab” and Select “Bank Seeding Status”.
The webpage will redirect to “Login Page” as shown below. Click on “Login”. Enter your 12 Digit UID AADHAAR number. Type security code (captcha) as shown, then select “Send OTP”. You will receive an OTP on your registered mobile number linked with your Aadhaar card. After successfully Login, the a window will appear. Click on “Bank Seeding Status”.
You will get the details of your Bank account linked with your Aadhaar card as shown below.
If Aadhaar Seeding is not done, then you can visit your bank branch or use the online banking facility offered by banks. The Aadhaar Seeding process is very easy and requires very less time. If you have any issues, then you can ask in comment section below.
