FAQs on Aadhaar

Is it necessary to link bank account with Aadhaar?

As per the Prevention of Money-laundering (Maintenance of Records) Third Amendment Rules, 2019, if you wish to receive any benefit or subsidy under any scheme notified under section 7 of the Aadhaar (Targeted Delivery of Financial and Other subsidies, Benefits and Services) Act, 2016 (18 of 2016), it is mandatory to submit Aadhaar number to the banking service provider.
For other banking services, Aadhaar is a preferred KYC document. However, if you do not wish to submit Aadhaar, then you may use any other officially valid documents as prescribed by Reserve Bank of India. Remember, linking your bank account with Aadhaar in this case is optional.

In case, Resident is an NRI/OCI card holder and having bank account in India but Resident doesn’t have Aadhaar. What will happen to his/her Bank account?

For NRIs it is suggested that they disclose their non-resident status with proof to their bank.

For the status of account becoming in-operational only the relevant banks shall be able to give response.

Is it necessary to submit Aadhaar in Bank while transaction amount is INR 50,000 or above?

As per gazette notification of Ministry of Finance, dated 1st June 2017, Aadhaar will be sought for all transactions for an amount INR 50,000 or above.

How is Aadhaar different from any other identity issued by the government?

Aadhaar is essentially a paperless online anytime-anywhere identity assigned to a resident to cover his/her entire lifetime. The verification of his identity is done online with the help of authentication devices which connect to UIDAI’s Central Identity Repository and return only a ‘yes’ or ‘no’ response to the basic query-“Is the person who he/she claims to be?” based on the data available with UIDAI.

The Aadhaar authentication service is fully functional and in use in several service delivery schemes across the country. The Aadhaar Card or the e-Aadhaar (electronic copy of Aadhaar) are essentially given to residents to know their own Aadhaar, but are only the first step towards the actual use of the online id as explained in the preceding para.

Is it mandatory to enrol for Aadhaar to file tax returns or apply for PAN in India? If yes, then what is the process for NRIs?

Section 139AA of the Income-tax Act, 1961 as introduced by the Finance Act, 2017 provides for mandatory quoting of Aadhaar / Enrolment ID of Aadhaar application form, for filing of return of income and for making an application for allotment of Permanent Account Number.

An NRI (whether minor or adult) with a valid Indian Passport can apply for Aadhaar from any Aadhaar Kendra.

Can we register/ change mobile number online?

For any online update request, including updation of mobile number, resident should already have an active number registered with UIDAI where person can receive OTP SMS and authenticate himself/herself. Otherwise you would need to visit nearest UIDAI permanent Enrolment centre.

Service Provider not accepting e-Aadhaar copy. What to do?

Downloaded Aadhaar or e-Adhaar carries Name, Address, Gender, Photo and Date of Birth details of the Aadhaar holder in similar form as in Printed Aadhaar letter. The e-Aadhaar also contains date of Aadhaar generation & date of e-Aadhaar download. The downloaded Aadhaar or e-Aadhaar is a digitally signed document by UIDAI as per IT Act, 2000 which provides for legal recognition of electronic records with digital signatures.

Hence Downloaded Aadhaar /e-Aadhaar is a valid and secure electronic document which should be treated at par with printed Aadhaar letter.

I want to give up my Aadhaar. How and what needs to be done?

Presently there is no Policy to give up Aadhaar. However Aadhaar holders can secure their Biometric Authentication as per need by locking or unlocking Biometrics using "Lock/Unlock Biometrics” functionality at UIDAI official website "resident.uidai.gov.in"

Can NRIs also get Aadhaar?

YES. An NRI (whether minor or adult) with a valid Indian Passport can apply for Aadhaar from any Aadhaar Kendra.

What is the process if NRI needs to apply for Aadhaar? And if they don't have their own residential address in India now?

• Visit any Aadhaar Kendra of your convenience.
• Carry valid Indian Passport with you
• Fill details in the enrolment form
• Giving Email ID is mandatory for NRI
• The declaration for NRI enrolment is slightly different. Read and sign the same in your enrolment form
• Ask the operator to enroll you as NRI
• Give your Passport as Proof of Identity
• You may choose to use your Passport itself as Proof of Address and Date of Birth proof or give some other valid document/s for this (As per https://uidai.gov.in/images/commdoc/valid_documents_list.pdf)
• Complete the biometric capture process
• Check all details on screen (in English and local language) before you allow the operator to submit
• Collect the acknowledgement slip/ enrolment slip that has your 14 digit Enrolment ID and Date & Time Stamp. You can check status of your Aadhaar from: https://resident.uidai.gov.in/check-aadhaar

My name is different in PAN and Aadhaar. It is not allowing me to link both. What to do?

In order to Link Aadhaar with PAN, ideally your demographic details (i.e. Name, Gender and Date of Birth) should match in both the documents.

In case of any minor mismatch in Aadhaar Name provided by taxpayer when compared to the actual data in Aadhaar, One Time Password (Aadhaar OTP) will be sent to the mobile registered with Aadhaar. Taxpayers should ensure that the date of birth and gender in PAN and Aadhaar are exactly same.

In a rare case where Aadhaar name is completely different from name in PAN, then the linking will fail and taxpayer will be prompted to change the name in either Aadhaar or in PAN database.

For PAN data update related queries you may visit: https://www.utiitsl.com.

For Aadhaar update related information you may visit UIDAI official website: www.uidai.gov.in

In-case linking problem still persists you are requested to visit Income Tax official website or call IT department helpline.

My date of birth in PAN and Aadhaar do not match. Not able to link them. Please help.

You will have to correct your date of birth, either with Aadhaar or with PAN to link both. In-case linking problem still persists, we request you to please get in touch with Income Tax department incometaxindia.gov.in or visit https://www.utiitsl.com..

Will my PAN become non-functional if I do not link it to Aadhaar?

Have multiple accounts, where will I receive the money of benefit transfer?

You can receive DBT benefits only in one account as per your choice which has been mentioned by you while submitting the mandate and consent form to your bank for linking with Aadhaar. This account will be linked with NPCI mapper by the Bank to operate as DBT account. The Aadhaar-Bank account linking status can be checked on UIDAI website.

Do I need Aadhaar to get my DBT?

Use of Aadhaar in the social welfare schemes helps identifying the intended beneficiaries. In the process, it also helps removing the fakes or duplicates from the scheme database.
As per the provisions under section 7 of the Aadhaar Act 2016, the Central or State Governments may mandate requirement of Aadhaar of the beneficiaries for availing the benefits/subsidies under the schemes that are funded out of the Consolidated Fund of India or Consolidated Fund of the State.

How do I change my account where to receive DBT funds?

Please give your copy of Aadhaar letter with your bank account number written on it or copy of your bank passbook to the bank where you want to receive the funds. The bank may require you to fill a form as well. Updating your mobile number in bank is also advisable. This will send out SMS alerts when you get DBT in account or you transact on your account. Please note that the bank account which has been seeded last with the Aadhaar number will be the one to receive money through DBT.

How would I know that DBT funds have come to my account?

We recommend that you update your mobile number in bank. The Bank will send out SMS alerts when you get DBT in account or you transact on your account. Alternatively, you can also check your account balance using ATM, microATM/ Bank Mitra, internet banking or calling the bank for details of your transactions.

What all can I do using a Bank mitra, who visits my village?

Bank Mitra carry a handheld device, which can allow you multiple type of banking transactions on your Aadhaar linked Bank account. Transactions possible are Balance, Enquiry, Cash Deposit, Cash Withdrawal, Paying Bills, Remitting funds to other Aadhaar holder. Bank mitra also helps in opening of Aadhaar linked bank account.

How does Aadhaar based DBT help me as a beneficiary?

Aadhaar linking in your scheme database ensures that nobody else can claim your share of the benefits by impersonating you as a person. Also, in case of cash transfers, the money reaches directly to your Aadhaar linked bank account, and you do not have to pursue different people to get the funds. Besides this, you can decide the bank account in which you would like your benefits/money to be transferred.. But all benefits go to your latest Aadhaar linked bank account, so all the subsidies are transferred in single bank account.

Why are Government schemes asking for Aadhaar?

It helps schemes to clean out duplicates and fakes, to provide accurate data and enable implementation of direct benefit programmes. Use of Aadhaar reduces the costs of identifying persons and provides Increased transparency to the government in implementation of its schemes.

Source : www.uidai.gov.in