Aadhaar Seeding Status with Bank: How to Check, Link & Troubleshoot

Why Aadhaar Seeding Matters

Aadhaar seeding refers to linking your Aadhaar number with your bank account. This process ensures that your account is NPCI-mapped and eligible for Direct Benefit Transfer (DBT) — meaning subsidies, pensions, scholarships, and other government benefits go directly into your account without middlemen.

Benefits for DBT and KYC

Direct Credit of Benefits – No paperwork or delays in receiving government subsidies.
Seamless KYC – Aadhaar-linked accounts meet Reserve Bank of India (RBI) KYC norms.
Multiple Service Access – Single authentication for multiple banking and financial services.

NPCI, JAM Trinity & Digital India Impact

The NPCI (National Payments Corporation of India) maintains a central mapper for Aadhaar-bank linkages.
Aadhaar seeding is a key pillar of the JAM Trinity (Jan Dhan–Aadhaar–Mobile) under Digital India, enabling instant transfers, reduced leakages, and greater transparency.

Infographic showing seeding process flow

Ways to Check Aadhaar Seeding Status

You can check if your Aadhaar is linked to your bank using four main methods — online, mobile app, SMS/USSD, and via bank platforms.

1. UIDAI Official Website – Step-by-Step Guide

Visit https://uidai.gov.in.
Under “My Aadhaar”, select “Check Aadhaar/Bank Seeding Status”.
Enter your Aadhaar Number or Virtual ID (VID).
Enter the security captcha and click Send OTP.
Input the OTP sent to your registered mobile number.
The screen will display your bank name and seeding status.

2. mAadhaar Mobile App

Download the mAadhaar app from Google Play Store or Apple App Store.
Register with your Aadhaar and OTP verification.
In the app menu, choose “Aadhaar-Bank Seeding Status”.
View linked bank name and status instantly.

3. SMS / USSD Method

For feature phones or without internet access:

Dial *99*99# from your Aadhaar-linked mobile number.
Enter the last 4 digits of your Aadhaar number.
The reply will display your linked bank account name.

4. Bank’s Portal / BASE Platform

Some banks like Federal Bank have their own BASE (Bank Aadhaar Seeding Enabler) service:

Visit your bank’s Aadhaar services page.
Enter account number, Aadhaar, or customer ID.
Authenticate via OTP or net banking.
View seeding status or link Aadhaar directly.

Step-by-Step: Linking Aadhaar with Your Bank Account

1. At Bank Branch

Visit your branch with Aadhaar and passbook.
Fill in the Aadhaar Seeding Form.
Submit with a self-attested Aadhaar photocopy.
Authenticate via biometrics or OTP.
Bank updates NPCI mapper in 1–3 working days.

2. Through NetBanking / Mobile App

Log into your net banking or mobile app.
Navigate to “Aadhaar Seeding” section.
Enter Aadhaar number and confirm.
Authenticate via OTP.

3. Mapping via NPCI & Role of DBT

NPCI Aadhaar mapper concept illustration

After seeding, the bank updates NPCI’s Aadhaar mapper. Only one bank account per Aadhaar can be active for DBT — so if you seed a new account, the previous one becomes inactive for benefits.

Common Issues and How to Fix Them

Status Inactive / Not Seeded on UIDAI site

Wait for 72 hours after linking — status may take time to update.
Contact your bank to confirm if details have been sent to NPCI.

Multiple Accounts, Same Bank Confusion

DBT benefits will credit only to the account tagged as primary in NPCI mapping.

Mismatch or Wrong Aadhaar Details

Update Aadhaar details at UIDAI before attempting seeding.

Delayed NPCI Mapping

Follow up with your bank’s back-office team or lodge a service request.

Security & Best Practices

Using Trusted Channels Only

Always link Aadhaar only via official bank channels, UIDAI website, or mAadhaar app — never via third-party apps or unknown agents.

Safeguarding Aadhaar and Mobile Privacy

Do not share your Aadhaar OTP with anyone.
Avoid cybercafés or public Wi-Fi for seeding checks.

Frequently Asked Questions

1. How long does seeding take to reflect?

Usually within 1–3 working days, but NPCI mapping can take up to a week.

2. Can I seed multiple accounts?

Yes, but only one account will be active for DBT.

3. What if my OTP fails?

Check mobile network coverage and ensure your number is linked with Aadhaar.

4. How do I change my DBT-linked account?

Seed your Aadhaar with the new account; NPCI will update the mapping.

5. Is there a fee for Aadhaar seeding?

No, it’s completely free.

Final Thoughts & Take Action Now

Your Aadhaar-bank linkage is essential for seamless subsidy credits, paperless KYC, and digital convenience. Check your Aadhaar seeding status today using UIDAI, mAadhaar, SMS, or your bank’s portal — and avoid missing out on benefits.

Govt ID(PAN, Aadhaar, Voter Card) and KYC Help

Aadhaar Seeding Status with Bank: How to Check, Link & Troubleshoot