MargadarshiniSeeding Aadhaar to your bank account (for DBT)తె
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Seeding Aadhaar to your bank account (for DBT)

You have your Aadhaar seeded (linked) to the one bank account you choose, so that government scheme money such as scholarships and subsidies is paid straight into it.

About this guidePending verification

Published on 12-11-2026. Not every fact has been checked against its official source yet: confirm at the office.

Where:OnlineAt the bankAt the village or ward secretariat

For whom: Anyone in Andhra Pradesh who receives, or is about to receive, government scheme money straight into a bank account (DBT), and anyone whose money has not arrived.

1Your situation

We show only what your answers need.

Do you have a bank account in your own name? (An India Post Payments Bank account counts.)
What do you want to do?

Your answers stay on this phone.

2Documents you need

Tick the ones you have. They are kept in this browser.

  • Details

    If you don't have it: The branch where your account is gives it to you.

    Sources: 1, 2

  • If you don't have it: → Getting a new Aadhaar
    Details

    Not confirmed: NPCI's model form asks for a self-attested copy of the Aadhaar letter; banks may ask for other papers under their own policy. Ask your branch.

    Sources: 2

    3Your steps

    · Do them in order. Tick each one when it is done.

    If something goes wrong
    1. Do this now

      First make sure the money really has not come.

      Look at the bank's SMS alerts, or check your balance at an ATM, at a Bank Mitra's micro ATM, in internet or mobile banking, or through phone banking.

      Where
      You do this yourself

      Sources: 1

    2. Do this now

      Log in to the myAadhaar website and open the "bank seeding status".

      It shows the bank your Aadhaar is seeded to; DBT money goes to that bank.

      Where
      myAadhaar website
      Open the official page
      Not confirmed

      UIDAI says this information comes from NPCI's server and that UIDAI is not responsible for its correctness; it also says the same can be seen on NPCI's own website (BASE); SBI's website says to open it from npci.org.in, Consumer, Bharat Aadhaar Seeding Enabler (BASE). To log in to myAadhaar you need your Aadhaar number and the OTP sent to the mobile number registered with your Aadhaar. We did not see the pages after login.

      Sources: 1, 2, 8, 10

    3. Do this now

      Or ask at your bank branch.

      The staff should be able to see your Aadhaar's status in the NPCI mapper on their system, and tell you the reason if seeding was rejected. Some banks also show this status in net banking or at their ATMs.

      Where
      Your bank branch

      Sources: 2

    4. Do this now

      If the status shows no bank, or a bank you do not want, give the Aadhaar seeding consent form at the branch of the bank where you want the money, with a copy of your Aadhaar signed by you; Aadhaar you gave for KYC when you opened the account is not seeded for DBT.

      For what to write on the form and the steps after it, choose 'Get Aadhaar seeded to an account, or change the account that gets DBT money' at the question 'What do you want to do?' in this guide.

      Where
      The branch of the bank where you want the money

      Sources: 1, 2

    5. Do this now

      Ask the bank whether the account is inoperative, has KYC pending, or is blocked or frozen; DBT money sent to such an account goes back.

      An ordinary account becomes inoperative when you make no transaction for over two years (RBI tells banks to keep accounts opened for government schemes and scholarships out of this rule). You can get it working again at any branch by giving your KYC documents; there is no charge.

      Where
      Any branch of your bank
      Fee
      Free · No charge for making an inoperative account work again.
      Time limit
      The bank must activate the account within three working days of receiving the complete application.

      Sources: 2, 3

    6. Do this now

      If your Aadhaar is not yet seeded to any bank, or is seeded to a bank you do not want, choose the one account that should get DBT money.

      All the scheme money due to you goes into that one account. Choose a savings account you use: loan, PPF and NRE accounts, blocked or frozen accounts, and inoperative accounts are not seeded. If you seed a joint account, the money paid into it is available to all its holders, as the account's operating rules allow.

      Where
      You do this yourself

      Sources: 1, 2

    7. Do this now

      Go to the branch where that account is and fill in the Aadhaar seeding consent form: write the account number, branch name, Aadhaar number, your name exactly as in Aadhaar and your mobile number, and sign or give your thumb impression.

      If your Aadhaar was seeded to another bank before, write that bank's name too. Aadhaar you gave for KYC when you opened the account is not seeded for DBT; that needs this separate consent. Be sure to take the acknowledgement the bank gives you. Under the Reserve Bank's rules, Aadhaar is not mandatory for a bank's KYC; a customer who wants a benefit or subsidy under a scheme notified under section 7 of the Aadhaar Act gives the Aadhaar number to the bank; otherwise giving it is voluntary.

      Where
      The branch where your chosen account is
      Not confirmed

      Under NPCI's procedure the bank may take this consent on paper or electronically; ask whether your bank offers it in net banking or its app. SBI tells its customers that NPCI's BASE website can also seed or de-seed Aadhaar, or move it from one bank to another, online. We could not read NPCI's own pages, and have not confirmed whether your bank does this through BASE, or the OTP, fee or time it takes. The official papers we read do not say whether there is any fee for seeding.

      Sources: 1, 2, 8, 9

    8. Do this now

      Wait for the bank's SMS: the bank should send one with the date when seeding is done, or with the reason if it is rejected.

      The bank noting your Aadhaar in its own records is not enough; DBT money comes only after seeding in the NPCI mapper. If you give consent to two banks, the money goes to the bank that seeded it last.

      Where
      You do this yourself

      Sources: 2

    9. Do this now

      Once the SMS comes, open the bank seeding status on myAadhaar again and check that it shows the bank you chose.

      Where
      myAadhaar website
      Open the official page

      Sources: 1

    10. Do this now

      If your Aadhaar is seeded to the right bank and the account works but the money still has not come, ask the office that runs the scheme whether the money was released in your name.

      In Andhra Pradesh, applications for many schemes are taken at the village and ward secretariats; ask first where you applied. According to the pension website, the state's NTR Bharosa pension is paid out directly to pensioners in their village or ward; the page does not mention payment into a bank account. For that, see the pension guide.

      Where
      The village or ward secretariat where you applied, or the office of that scheme
      Not confirmed

      The official pages we read do not say that the secretariat can look up DBT payment status; they list pension applications as secretariat services only. Nor do they name one complaint office for all schemes. Ask at the secretariat which office handles your scheme's payments.

      Sources: 1, 7, 11

    If something goes wrong

    If it is rejectedIf the bank rejects the seeding, find out the reason from the SMS or at the branch.

    If the bank rejects the seeding, find out the reason from the SMS or at the branch. If the name in your Aadhaar is wrong and so does not match the scheme's list, get it corrected at an Aadhaar centre; in Andhra Pradesh the village and ward secretariats also do Aadhaar updates. If the bank says the name does not match its records, ask the branch which record is wrong. Once the record is corrected, give the form again. If you think the bank refused unfairly, complain to the bank in writing and keep the complaint number. If there is no reply in 30 days, or you are not satisfied with it, complain free of charge to the RBI Ombudsman on cms.rbi.org.in. 14448 is the Reserve Bank's contact centre: it gives information and explains how to complain, in Telugu too; complaints are not taken on that number.

    RBI Ombudsman (CMS portal) · Open the official page

    Sources: 2, 1, 7, 4

    If it is lateIf no SMS comes after you gave the form and the status on myAadhaar does not change, ask at the branch; then complain to the bank in writing and keep the number.

    If no SMS comes after you gave the form and the status on myAadhaar does not change, ask at the branch; then complain to the bank in writing and keep the number. If there is no reply in 30 days, complain to the RBI Ombudsman (within 90 days after the bank's time is up). On 14448 they explain how to complain, in Telugu too; complaints are not taken on that number.

    RBI Ombudsman (CMS portal) · Open the official page

    Sources: 4, 2, 1

    AlsoIf money goes into an account you did not choose, or you think your Aadhaar was seeded without your consent: a bank must not seed without consent, and must show proof of your consent if you complain.

    If money goes into an account you did not choose, or you think your Aadhaar was seeded without your consent: a bank must not seed without consent, and must show proof of your consent if you complain. Give a fresh consent form at the bank where you want the money. Complain to the bank that got it wrong; if it is not settled in 30 days, go to the RBI Ombudsman. 14448 is the Reserve Bank's contact centre: it gives information and explains how to complain, in Telugu too; complaints are not taken on that number.

    RBI Ombudsman (CMS portal) · Open the official page

    Sources: 2, 1, 4

    Official websites for this work

    All official websites →

    Related guides

    Report a mistake on this page
    The 11 official pages and papers this guide is written from
    1. Direct Benefit Transfer (DBT): Aadhaar for Direct Benefit Transfer, frequently asked questionsUnique Identification Authority of India (UIDAI), Government of India, Questions 'How would I know that DBT funds have come to my account?', 'How do I receive benefits under the Govt. Schemes in my bank account?', 4(a) 'How can I check my bank seeding status?', 'My name is different in Aadhaar vis-à-vis service delivery database', 'I have multiple bank accounts…', 'How can I change my bank account to receive DBT funds?', 'My bank branch is located far away…', 'How can I avail the benefits under various Government Schemes…' (published 30 Apr 2026, last updated 02 Jul 2026) (30-04-2026) · read on 30-10-2026
    2. Aadhaar Payments Bridge (APB) System: Standard Operating Procedure, version 3.0.2National Payments Corporation of India (NPCI); published by the DBT Mission, Cabinet Secretariat, Government of India, on dbtbharat.gov.in, 1 'Seeding of Aadhaar numbers' (steps a–t; Notes a and b); 2 'Written consent of the customer'; 3 'Facility to check the Aadhaar seeding status'; 4 'De-seeding'; 13 APB credit return reasons; Annexure II 'Aadhaar Consent Form' (17-02-2021) · read on 30-10-2026
    3. Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Directions, 2025 (RBI/DOR/2025-26/170), version updated as on July 1, 2026Reserve Bank of India, Definition (16) 'Inoperative Account'; paragraphs 198 (accounts for DBT and scholarships kept apart from the inoperative rule), 204 (KYC for activation at all branches), 207 (activation within three working days of a complete application) and 210 (no charge for activation) (28-11-2025) · read on 30-10-2026
    4. Frequently asked questions: Reserve Bank - Integrated Ombudsman Scheme, 2026Reserve Bank of India, FAQs 9 (how to complain), 10 (contact centre 14448, Telugu among the languages), 11 (complaints cannot be filed through the contact centre), 17 (after 30 days or an unsatisfactory reply; within 90 days), 21 (no fee) (01-07-2026) · read on 30-10-2026
    5. Pradhan Mantri Jan-Dhan Yojana (PMJDY): Scheme DetailsMission Office, Department of Financial Services, Ministry of Finance, Government of India, Scheme Details (BSBD account at any bank branch or Bank Mitra outlet); Benefits under PMJDY (no minimum balance; eligible for DBT) · read on 30-10-2026
    6. India Post Payments Bank (IPPB): A Catalyst for Financial InclusionPress Information Bureau, Ministry of Communications, Government of India, Key Features 1–2 (post offices; postmen and Gramin Dak Sevaks at the doorstep); Services Offered (zero-balance savings accounts; Direct Benefit Transfers) (23-08-2024) · read on 30-10-2026
    7. GSWS: AP Seva services from Village and Ward SecretariatsAnakapalli District Administration, Government of Andhra Pradesh, Table 'AP SEVA Services Details From Village and Ward Secretariats': Aadhaar services 1–11 (enrolment, demographic update and others); SERP Department pension services (old age, widow, disabled and others). Page last updated 25.07.2024 · read on 30-10-2026
    8. Bharat Aadhaar Seeding Enabler (SBI Personal Banking information page)State Bank of India, BASE activities a)–d) (check Aadhaar seeding status, Aadhaar seeding, de-seeding, moving Aadhaar from one bank to another); steps 1–4 (npci.org.in, Consumer tab, Bharat Aadhaar Seeding Enabler (BASE), mapped status or mapping history); 'Last Updated On: Tuesday, 02-12-2025'. NPCI's own site (npci.org.in) loads its pages by script and gave us no text to read (02-12-2025) · read on 01-11-2026
    9. Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025 (RBI/DOR/2025-26/169), updated as on October 1, 2026Reserve Bank of India, Paragraph 23(1) (the bank obtains the Aadhaar number where the customer wants a benefit or subsidy under a scheme notified under section 7 of the Aadhaar Act, or gives it voluntarily); Explanation 4 to paragraph 23 (Aadhaar number not mandatory for KYC) (28-11-2025) · read on 30-10-2026
    10. Your Aadhaar: frequently asked questionsUnique Identification Authority of India, myAadhaar portal: 'How to login myAadhaar portal ?' (Aadhaar number and the OTP received on the registered mobile number) (15-10-2026) · read on 30-10-2026
    11. NTR Bharosa Pension Scheme website: About (eligibility, sanction, distribution)Society for Elimination of Rural Poverty (SERP), Government of Andhra Pradesh, Tab 'Roles and Responsibilities': Panchayat Secretary / Bill Collector (pensions disbursed directly to the pensioners in the village or ward; door-step payment for bedridden and leprosy pensioners) · read on 30-10-2026