MargadarshiniLinking Aadhaar to your bank account (DBT seeding)తె
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Linking Aadhaar to your bank account (DBT seeding)

Your Aadhaar is linked (seeded) to the account you choose, so that government money such as pensions, 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 office

For whom: Anyone in Telangana who gets, or will get, government scheme money paid 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 name (an India Post Payments Bank account counts)?
What do you need?

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: Ask for it at the branch.

    Sources: 1, 2

  • Details

    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: check the balance through the bank's SMS, an ATM, a micro ATM at a Bank Mitra, internet or mobile banking, or 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 which bank your Aadhaar is seeded to, which is the bank your DBT money goes to.

      Where
      Online
      Open the official page
      Not confirmed

      UIDAI says this information comes from NPCI's server and that UIDAI is not responsible for its correctness. UIDAI also names NPCI's own website (BASE) for the same check; 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 screens after login.

      Sources: 1, 2, 7, 9

    3. Do this now

      Or ask at your bank branch: the staff can see the NPCI mapper status in their system.

      Some banks also show it 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 'Link Aadhaar to an account, or change the DBT account' at the question 'What do you need?' 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 is returned.

      An ordinary account in which you have made no transaction for over two years becomes inoperative (RBI tells banks to keep the zero-balance accounts opened for government scheme beneficiaries and for students who get scholarships out of this two-year rule). You can have it made active again at any branch by giving your KYC documents; there is no charge for this.

      Where
      A branch of your bank (any branch)
      Fee
      Free · There is no charge for making an inoperative account active again.

      Sources: 2, 3

    6. Do this now

      If your Aadhaar is not seeded to any bank yet, or is seeded to a bank you do not want, decide which one account should receive DBT money.

      All your scheme money goes to that one account. Choose a savings account you use: loan, PPF and NRE accounts, blocked or frozen accounts, and inoperative accounts are not seeded.

      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 (Aadhaar you gave for KYC when you opened the account is not seeded for DBT; that needs this separate consent): write the account number, your Aadhaar number, your name exactly as in Aadhaar and your mobile number, and sign or put your thumb impression.

      If your Aadhaar was seeded to another bank before, write that bank's name too. 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 of the bank where your chosen account is
      Not confirmed

      NPCI's procedure lets the bank take this consent on paper or electronically, so your bank may offer it in net banking or its app; ask the bank. 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 say nothing about a fee for seeding.

      Sources: 1, 2, 7, 8

    8. Do this now

      Watch 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. Adding Aadhaar to the bank's own records is not enough: DBT money comes only once it is seeded in the NPCI mapper. If you give consent at two banks, the money goes to the bank that took the latest consent.

      Where
      You do this yourself

      Sources: 2

    9. Do this now

      After the SMS, check the bank seeding status on myAadhaar again and make sure it shows the bank you chose.

      Where
      Online
      Open the official page

      Sources: 1

    10. Do this now

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

      The pension, PM-KISAN and scholarship guides name those offices.

      Where
      The office of that scheme
      Not confirmed

      The official pages we read name no single office for all schemes; each scheme has its own implementing office.

      Sources: 1

    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 bank says the name does not match, ask the branch which record is wrong. If the name in your Aadhaar itself is wrong, get it corrected at an Aadhaar centre and give the form again. If you think the bank was wrong, complain to the bank in writing and keep the number; if there is no reply within 30 days, or you are not satisfied, 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, 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 within 30 days, complain 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: 4, 2, 1

    AlsoIf the 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 your consent, and must show proof of it if you complain.

    If the 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 your consent, and must show proof of it if you complain. Give a new consent form at the bank where you want the money, complain to the bank that got it wrong, and go to the RBI Ombudsman if it is not settled within 30 days. 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 →
    Find the office in your district →

    Related guides

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    The 9 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…', 4(a) 'How can I check my bank seeding status?', 'My name is different in Aadhaar…', '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…' (page 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, Abstract; 1 'Seeding of Aadhaar numbers' (steps a–t and Note a); 2 'Written consent of the customer'; 3 'Facility to check the Aadhaar seeding status'; 4 'De-seeding'; APB credit return reasons table; 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 of 'Inoperative Account'; paragraphs 198 (accounts for government benefits and scholarships), 204 (activation by KYC at any branch) and 210 (no charge for activation). Read in the version updated as on July 1, 2026; the version updated as on October 1, 2026 is published only as a PDF on rbidocs.rbi.org.in, which did not open for us (28-11-2025) · read on 01-11-2026
    4. Frequently asked questions: Reserve Bank - Integrated Ombudsman Scheme, 2026Reserve Bank of India, FAQs 1, 9, 10, 11, 16, 17, 19 and 21 (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; 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; doorstep banking by postmen and Gramin Dak Sevaks); Services Offered (zero-balance savings accounts; Direct Benefit Transfers) (23-08-2024) · read on 30-10-2026
    7. 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
    8. 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
    9. 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