In today’s digital world, you no longer have to go to the bank to check your balance, it is easier than ever. You can now check your bank balance online with just your Aadhaar number. One convenient way to use your Aadhaar Card. This 12-digit unique number which is also called a unique identification number can help you access your financial information quickly, easily, and securely.
Why Link Aadhaar with Your Bank Account?
Linking Aadhaar to your bank account has several benefits, including:
- Easy Balance Checking – You can check your balance anytime without visiting a bank.
- Government Subsidies – Subsidies like LPG, PM Kisan, and other schemes are directly credited to Aadhaar-linked accounts.
- Secure Transactions – Aadhaar-based authentication adds an extra layer of security to your banking transactions.
Now, let’s look at different ways to check your bank balance using your Aadhaar number.
How to Link Your Aadhaar Card to Your Bank Account?
Before you can check your bank balance with your Aadhaar Card number, you need to make sure that your Aadhar Card is linked with your bank account. Here are some ways you can link to your Aadhaar Card with your bank:
- Visit Your Bank Branch: you can go to your nearest bank branch and fill out the Aadhar linking form. You will need to provide your Aadhaar number and bank account details.
- Use Internet Banking: If your bank offers internet banking services, you do not have to go to the bank branch, you can just link your Aadhaar number online. Log in to your internet banking account, navigate to the “Aadhaar Linking” section, and follow the instructions.
ATM: Some of the banks allow you to link your Aadhaar card number through their ATMs. you just have to insert your debit card, enter your PIN, and select the Aadhaar Linking option.
Mobile Banking: If your bank has a mobile application, you can simply link your Aadhaar card through the application. Login, go to the Aadhaar Linking option and follow the further steps.
Benefits of Checking Balance with Aadhaar
Before diving into the methods, let’s understand why checking your balance with Aadhaar is beneficial:
- No need to visit bank branches
- Available even in remote areas
- No requirement for a smartphone or internet
- Secure authentication using fingerprints
- Service available in multiple languages
Methods to Check Bank Balance Using Aadhaar Card
1. Using the USSD Code
One of the simplest ways to check your bank balance with Aadhaar is by using the USSD Code. Here’s how you can do it:
Steps:
- Dial *99*99*1# from your registered mobile number.
- Enter your Aadhaar number when prompted.
- Confirm by re-entering your Aadhaar number.
- Your linked bank account balance will be displayed on the screen.
2. Using Aadhaar-Enabled Payment System (AEPS)
Aadhaar-Enabled Payment System (AEPS) allows users to check their balance, withdraw cash, and transfer funds using biometric authentication.
Steps to Check Balance via AEPS:
- Visit a nearby banking correspondent (BC) or AEPS service provider (Common Service Centres, business correspondents, micro-ATMs, etc.).
- Provide your Aadhaar number and bank name.
- Authenticate using your fingerprint or iris scan.
- Your bank balance will be displayed on the screen.
3. Through UIDAI’s Website
UIDAI (Unique Identification Authority of India) provides an online service to check Aadhaar-linked bank account details.
Steps:
- Visit the official UIDAI website (https://uidai.gov.in).
- Click on “Check Aadhaar & Bank Account Linking Status” under the Aadhaar services section.
- Enter your Aadhaar number and the security code.
- Click on “Send OTP” to receive an OTP on your registered mobile number.
- Enter the OTP and submit.
- The website will display the bank name linked to your Aadhaar.
Note: This method shows only the linked bank name, not the account balance. To check the balance, use AEPS or USSD.
4. Using Aadhaar SMS Service
Some banks offer SMS services to check balance using Aadhaar.
Steps:
- Send an SMS to your bank’s official number in the following format: BAL
- You will receive an SMS with your account balance.
(Note: This service is available only in selected banks.)
5. Calling the Bank’s Toll-Free Number
Most banks provide toll-free numbers for checking balance through Aadhaar-linked accounts.
Steps:
- Call your bank’s toll-free number from your registered mobile number.
- Select the option for balance inquiry.
- Enter your Aadhaar number if prompted.
- You will receive an SMS with your account balance.
6. Checking Balance via Mobile Banking Apps
Many banks have integrated Aadhaar-based verification in their mobile banking apps.
Steps:
- Download your bank’s official mobile banking app.
- Log in using your credentials or Aadhaar OTP verification.
- Navigate to the balance inquiry section.
- Your account balance will be displayed.
7. Visiting an ATM
If you prefer an offline method, you can check your bank balance using Aadhaar at an ATM.
Steps:
- Insert your debit card into the ATM.
- Select Aadhaar-based balance inquiry.
- Enter your Aadhaar number.
- Authenticate using OTP or PIN.
- Your account balance will be displayed on the ATM screen.
Conclusion
Checking your bank balance with an Aadhaar Card number gives an exceptionally convenient banking experience. Especially for those people with no mobile phone or internet access. By following these simple steps given above, you can easily keep track of your bank account and balance from almost anywhere in India.
Remember, Aadhaar-based banking services are designed to make financial services more convenient and accessible to everyone. As technology advances continuously to evolve, these services will likely become even more user-friendly and widespread.
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FAQs
1. Is it safe to check my bank balance using Aadhaar?
Yes, checking your bank balance using your Aadhaar card number is completely secure and they use biometric technology and OTP verification to prevent scam.
2. Can I check my bank balance without linking Aadhaar?
No, you have to link your Aadhaar card number with your bank account to use Aadhaar-based banking services.
3. What should I do if my mobile number is not linked to Aadhaar?
Visit the nearest Grahak Seva Kendra or Aadhaar enrollment center to update your mobile number.
4. How do I know which bank account is linked to my Aadhaar?
You can check your Aadhaar-linked bank account by visiting UIDAI’s website or using the *99*99*1# USSD code.
5. Can I use multiple bank accounts with Aadhaar?
Yes you can but only one bank account can be used for subsidies and direct benefit transfer (DBT). However, you can use AEPS to access multiple Aadhaar-linked accounts.