Steps to Link Your Aadhaar Card to Your Bank of India Savings Account

Founded in 1906, the Bank of India is one of the largest public sector banks in the world, with more than 5000 branches throughout the country. Bank of India (BOI) customers must link their BOI accounts with Aadhaar to avoid their accounts being temporarily deactivated and preventing them from conducting any financial transactions.

Suppose you have a savings account with the Bank of India. In that case, you can link your 12-digit unique identification number offline (at the bank), online (via your internet banking account), or at any ATM. Let us look at the step-by-step process of how to link an Aadhaar card to the Bank of India.

Is Linking My Bank Account with Aadhaar Mandatory?

Under the Prevention of Money-laundering (Maintenance of Records) Third Amendment Rules, 2019, you must provide your Aadhaar number to the banking service provider if you wish to receive any benefit or subsidy under a scheme notified under section 7 of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016 (18 of 2016).

Aadhaar is a preferred KYC document for banking services. However, you may use any other officially valid document if you do not wish to submit Aadhaar.

The Government of India introduced Aadhaar, a 12-digit number that contains biometric information as well as contact information such as an address, date of birth, etc. The Bank of India offers various ways for its customers to link Aadhaar Numbers with Bank of India accounts.

Having implemented a direct debit scheme for all government welfare schemes, linking bank accounts to Aadhaar cards will ensure that recipients receive their subsidies or funds in their accounts.

There are several ways in which customers can link their Aadhaar numbers with their bank accounts. They are as follows:

  • Online (via the internet banking account on the Bank of India website)

  • Offline (by visiting a Bank of India branch)

  • Through ATM
  • Through SMS

  • Through IVRS

Documents Required for Linking Aadhaar Card with Your Bank of India Account

In order to link your BOI account with your Aadhaar, you must visit your local branch of the Bank of India. For Aadhaar seeding, they must carry the following documents:

  • A copy of your Aadhaar card that has been self-attested to be submitted to the bank

  • Aadhaar linking form available at the bank

  • Original Aadhaar Card that has been returned to the customer after the verification process

The above-mentioned documents are necessary to link your Aadhaar card to the Bank of India. After you have linked your bank account with your Aadhaar Card, you will be eligible to receive government subsidies through PDS or Public Distribution System. These subsidies will be deposited into your savings account. You can also visit the Bank of India branch where your account has been opened and operated to link your savings account with your Aadhaar Card.

If you have a savings account with the Bank of India and you want to know how to link Aadhaar card number to the Bank of India (BOI) online, then follow the steps below:

  • Visit the official Bank of India website.

  • You will need to use your user ID and password to log in to your net banking account.

  • To register for Aadhaar cards through Bank of India internet banking, click "Registration of Aadhaar card".

  • You will then be prompted to enter your 12-digit Aadhaar card number.

  • Verify the Aadhaar card number you entered.

  • If you would like to link your bank account with your Aadhaar card, please click on the "submit" button.

  • Following these steps, the bank will notify you that your Aadhaar card has been linked successfully to your savings account.

If the customer selects "Inquiry", they can find out the status of the linking of their Aadhaar with their bank account.

If customers of the Bank of India do not have access to net banking, they can link their accounts at the nearest Bank of India branch or the branch holding their savings account. Here are the steps to link an Aadhaar card to the Bank of India that customers can follow once they reach their bank.

  • First, download the Aadhaar card linking form from the Bank of India homepage.
  • Then, fill in all the fields of the Aadhaar card linking form. Make sure that all details entered are correct and accurate.
  • Do not forget to submit your original Aadhaar card and also a photocopy.
  • Once the document has been submitted, the bank official will give you the form to seed your savings account with your Aadhaar number. Make sure all the fields are filled with the required information correctly.

  • You will receive the original copy of your Aadhaar card once the bank executive verifies the document.

  • You will then receive the lower portion of the application that should be torn off as a reference for the future.

  • After that, the bank executive will manually link your Aadhaar card number to your savings account.

  • Bank of India will notify you via SMS when your Aadhaar card details have been seeded into your savings account.

The Bank of India has launched a mobile banking application to make banking easier. This is one of the ways to link the Aadhaar card with the Bank of India. You can download the Bank of India app from the Google Play Store or Apple Store to install it on your mobile. Once registered, you can use the app to link your Aadhaar card to the Bank of India. Here is how it works:

  • To check your bank account details, install the application and register yourself.
  • Select the option to link your Aadhaar.

  • Authenticate your Aadhaar card by providing your 12 digit Aadhaar number.

  • Link requests should be submitted through the application.

  • After the bank verifies your Aadhaar card details, it will link your account with the Aadhaar.

Several customers do not have their mobile numbers registered with the bank. In such cases, customers can link their bank accounts with their Aadhaar at the nearest Bank of India ATM. Linking Aadhaar Card to a Bank of India account through ATM is a simple, easy and quick procedure. Follow the steps below to link the Bank of India savings accounts with an Aadhaar card:

  • Firstly, visit a Bank of India ATM nearest to you.
  • Take out your Bank of India debit card and swipe it.

  • After your debit card is recognized by the ATM machine, select "update your Aadhaar card".

  • Enter your 12-digit Aadhaar card number.

  • As part of the verification process, you will need to enter your Aadhaar card number again.

  • You will be prompted to click "confirm".

  • Bank of India will send you an SMS confirming the linking of your Aadhaar card to your savings account once that has been completed.

By linking their Aadhaar card to their bank account, individuals will be eligible for government public distribution schemes such as LPG subsidies, pensions, and many others. As the money will be debited directly from the registered account of the individual concerned, there will be fewer chances of fraud or misappropriation of funds.

Account holders can also link their bank accounts with Aadhaar through SMS. There are, however, some banks that do not offer this service. Further, different banks use different SMS formats and numbers.

It should be noted that linking the Bank of India bank account with Aadhaar is not mandatory anymore, and this facility/requirement has been discontinued until further notice.

Aadhaar and Bank Account Linking Status

  • Visit the online portal of the UIDAI website (Unique Identification Authority of India) to know more information about the Aadhaar Link status with the Bank of India -

  • You can check your Aadhaar & Bank Account Linking Status by selecting it from the drop-down menu under “Aadhaar Services”.

  • Please enter the details of your Aadhaar number in the appropriate field.

  • The security code (or Captcha code) must be entered as indicated on the screen.

  • Click on “Send OTP” under it.

  • Your one-time password (OTP) will be sent to your registered mobile number once you send your OTP.

  • Enter the OTP details in the box.

  • Then, click on “log in”.

You will receive a message after your details have been processed successfully. You can then see the status of the Aadhaar linked to your bank, along with your bank's name and the last date of update.

Bank of India will only appear on your UIDAI screen if it has been mapped to your bank account. UIDAI is responsible for showing the very immediate bank account linked to Aadhaar. It won't show you the entire list of bank accounts mapped to your Aadhaar. Your mobile number should be registered with your Aadhaar data in order to secure this facility.

Know the Benefits of Linking Aadhaar with Bank Accounts

They are several additional benefits one can enjoy if their bank account is linked with Aadhaar. They are as follows:

  • Receiving Direct Benefit Transfer (DBT) of LPG Subsidy directly into your bank account.

  • The recipient receives direct credit for other government subsidies, such as welfare funds, pensions, scholarships, MNREGA wages, LPG, kerosene, sugar, etc.

  • Take advantage of easy and convenient Aadhaar-enabled payment systems (AEPS) such as:
    a. BHIM – Aadhaar Pay
    b. Payments using Aadhaar at biometric Micro ATMs in BCs
    c. PI payments through Aadhaar


Aadhaar cards have become an integral part of every Indian's life since they were introduced. The 12-digit Aadhaar number assigned by UIDAI (Unique Identification Authority of India) serves as proof of identity and address.

Additionally, a person can take advantage of all the benefits and subsidies described in the Aadhaar Act of 2016. The Aadhaar card must be linked to a bank account before an individual can access these subsidies. Banks have also notified all their existing customers to seed their accounts with Aadhaar. Aadhaar is required for opening any bank account. For future transactions, all financial institutions will ask if a bank account is linked to an Aadhaar card.

It is common for people to get confused about how to link Aadhaar card to Bank of India accounts. The process is easy and quick and can be done both offline and online.

Frequently Asked Questions

Are there any charges involved in linking the Aadhaar card to the bank account?

No. There are no charges involved in linking the Aadhaar card to the bank account. It is a free service without any charges involved.

How can I check the status of my bank account and whether it has been linked to my Aadhaar or not?

Visit the official website of UIDAI website (Unique Identification Authority of India). Here you can check whether your bank account is linked to your Aadhaar or not.

You should contact the bank to find out why the delay occurred. The linking might have been delayed due to an error in your linking application or in the Aadhaar number you provided. Determine the reason for the delay and take corrective action, if necessary, to link the Bank of India to Aadhaar as soon as possible.

No, it is not mandatory to link your Aadhaar with your bank account. However, if you wish to receive any benefit or subsidy under a scheme notified under section 7 of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016 (18 of 2016), then you should link Aadhaar with your bank account. Also, for easier banking practices, it would be practical to link your Aadhaar with your bank account.

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