Aadhaar Bank Seeding

[anuragmukherjee28]

What is Bank Seeding/ Aadhaar Seeding ?​

Bank seeding, also specifically called Aadhaar seeding in India, refers to linking your unique 12-digit Aadhaar number with your bank account. This is done by providing your Aadhaar number and going through a verification process at your bank.

Note :- Aadhaar Card Linking and Aadhaar Card Seeding are two separate things.

Aadhaar Linking VS Aadhaar Seeding​

Aspect	Linking Aadhaar Numbers to Account	Seeding Aadhaar Number in NPCI
Definition	Adding Aadhaar numbers to bank records for specific accounts.	Updating Aadhaar numbers in both bank records and NPCI mapper.
Purpose	Helps the bank keep track of Aadhaar numbers for account holders.	Ensures Aadhaar numbers are updated for routing benefits.
Verification Process	Making sure Aadhaar numbers are correct for respective accounts.	Checking documents and getting explicit customer consent.
Handling Joint Accounts	Ensuring correct mapping of Aadhaar to account holders, deactivating if necessary.	Obtaining customer consent, updating both bank and NPCI.
Duplicate Mapping Prevention	Preventing Aadhaar from being linked to multiple or incorrect accounts.	Only the latest Aadhaar number is updated in the NPCI mapper.
Routing of Direct Benefits	Not relevant; used for internal bank processes.	Direct benefits are sent based on the latest Aadhaar update.
Consent Requirement	Not explicitly needed; implied by Aadhaar submission.	Customer's written consent is required for NPCI update.

What are the Benefits of Bank Seeding/ Aadhaar Seeding?​

• Enables Direct Benefit Transfers (DBT): If your bank account is Aadhaar seeded, you can receive government subsidies and benefits directly into your account. ( Apprenticeship through NAPS & NATS portal )
• More secure transactions: Aadhaar seeding can help to reduce fraud by verifying your identity during transactions.
• Easier access to banking services: With Aadhaar seeding, you may be able to access certain banking services, like account opening or balance inquiries, using your Aadhaar number.

Steps to Check Aadhaar Seeding/ Bank Seeding Status​

Step 1 - Go to myAadhaar website ( https://resident.uidai.gov.in/bank-mapper)
Step 2 - Click on the “Bank seeding Status” option
Step 3 - Login with Aadhaar Option will appear, complete the Log in and the OTP verification
Step 4- After that you will get to see whether your Aadhaar is Linked with any bank account or not

Important Points to Note:-​

• You can only link one bank account to your Aadhaar number at a time. If you want to Link your Aadhaar to a different bank account, or if your Aadhaar isn't linked to any account yet and you want to link it for the first time, follow the steps below properly
• For Aadhaar Seeding/Bank Seeding, there is only one way, and that is to visit your bank’s branch. All other online methods for linking Aadhaar with a bank account are for Aadhaar Linking and not Aadhaar Seeding

Here are the steps for Aadhaar Seeding/Bank Seeding at the bank:-​

Step 1:- Prepare Documents: Gather your Bank passbook, Aadhaar Card, photocopies of both documents, and a passport-size photo.

Step 2:- Visit the Bank: Take all the required documents to your bank and approach the employees specifically for Aadhaar Seeding.

Step 3:- Fill KYC Form: Request a KYC form from the bank staff and fill it up with accurate information.

Step 4:- Fingerprint Registration:Complete the KYC verification process by registering your fingerprint as requested by the bank.

Step 5:- Submit Additional Documents : provide the photocopies of your documents and the passport-size photo if requested by the bank.

Step 6:- Completion: After completing the process, wait for a few days for the Aadhaar Seeding or Bank Seeding to be completed by the bank.


Attachment - A pdf which contains all the Terms & condition and other extra details regarding Aadhaar seeding process