How to Check Aadhaar Seeding Status with Bank (For PMJDY & PM Kisan)
Have you ever wondered whether your Aadhaar card is linked (seeded) with your bank account or not?
If yes, you’re not alone.
Millions of people across India face this exact question.
This is especially true for those receiving benefits under government schemes like Pradhan Mantri Jan Dhan Yojana (PMJDY) and PM Kisan Samman Nidhi Yojana.
The truth is simple: unless your Aadhaar is properly seeded with your bank account, you might not receive subsidies, DBT (Direct Benefit Transfers), or scheme benefits.
That’s why it is extremely important to check your Aadhaar-bank link status regularly.
In this detailed guide, I will explain step-by-step how you can check whether your Aadhaar is seeded with your bank account—both online and offline.
I’ll also cover the importance of Aadhaar seeding, benefits, common issues, and solutions, so by the end of this article, you’ll have zero confusion left.
So, let’s dive right in!
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🌐 What is Aadhaar Seeding with a Bank Account?
Before we jump into the steps, let’s quickly understand what Aadhaar seeding actually means.
👉 Aadhaar Seeding is the process of linking your 12-digit Aadhaar number with your bank account.
Once linked, this enables the government to send subsidies, pensions, scholarships, and scheme benefits directly to your bank account via DBT (Direct Benefit Transfer).
Without Aadhaar seeding, your account will not be eligible for PMJDY benefits, PM Kisan payments, LPG subsidy, or other government schemes.
✅ Why is Aadhaar Seeding Important?
If you are wondering why everyone keeps insisting on linking Aadhaar with bank accounts, here’s why:
- Direct Benefit Transfer (DBT): All subsidies (LPG, ration, PM Kisan, PMJDY) go directly into Aadhaar-linked accounts.
- Transparency: Removes middlemen and ensures the money reaches the right person.
- Government Schemes: PMJDY account holders get insurance, overdraft, and subsidy benefits only if Aadhaar is seeded.
- PM Kisan Yojana: Farmers receive a ₹2,000 installment every four months directly into Aadhaar-linked bank accounts.
- Scholarships & Pensions: Many states provide benefits only to Aadhaar-seeded accounts.
👉 In short, no Aadhaar = no subsidy or scheme benefit.
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🔍 How to Check Aadhaar Seeding Status with Bank
Now comes the main part: How do you actually check if your Aadhaar is seeded with your bank account?
There are multiple ways to do it, both online and offline.
Let’s go through them one by one.
1. Check Aadhaar Seeding Status on UIDAI Website
The UIDAI (Unique Identification Authority of India) has a facility to check if your Aadhaar is linked to a bank.
Steps:
- Visit the official UIDAI website: https://uidai.gov.in
2. Under Aadhaar Services, select Check Aadhaar & Bank Account Linking Status.
3. Enter your Aadhaar number or VID (Virtual ID).
4. Enter the security captcha and click Send OTP.
5. You’ll receive an OTP on your Aadhaar-linked mobile number.
6. Enter OTP and submit.
7. The system will display the name of the bank with which your Aadhaar is seeded and the status (active/inactive).
👉 Note: If no bank name appears, it means your Aadhaar is not yet seeded with any account.
2. Check Aadhaar Seeding Status via NPCI Mapper
If you want to know whether your Aadhaar card is linked to your bank account for DBT (Direct Benefit Transfer), you can easily check it through the NPCI Aadhaar Mapper.
Follow these simple steps:
Step 1: Visit NPCI’s Official Website
Go to the NPCI’s (National Payments Corporation of India) new official website.
Step 2: Scroll Down to Aadhaar Seeding Option
On the homepage, scroll down to the bottom and click on the Aadhaar Seeding/Mapper option.
Step 3: Click on Aadhaar Details
Once you are redirected to the new page, you will see several options, such as
- Aadhaar Seeding/Deseeding
- Account Details
- Aadhaar Mapped Status
- Aadhaar Mapping History
To check your linking, click on Aadhaar Mapped Status.
Enter your Aadhaar number, then verify it using the OTP sent to your registered mobile number.
Step 4: Check Your Aadhaar-Bank Linking Status
After successful verification, the system will display the bank name with which your Aadhaar is linked.
👉 This method helps you quickly confirm if your Aadhaar is seeded with your bank account for receiving subsidies, pensions, scholarships, and other DBT benefits.
3. Check Aadhaar Seeding Status via SMS
Some banks also allow you to check seeding status via SMS.
- For example, in SBI, you can send:
SEED <Aadhaar Number> to 567676 - You’ll receive a reply SMS with your Aadhaar-bank seeding status.
👉 Note: SMS facility varies from bank to bank. Check your bank’s website for the exact format.
4. Check Aadhaar Seeding Status at ATM
Did you know you can also check Aadhaar seeding status at an ATM?
Here’s how:
- Insert your ATM/Debit card.
- Go to Services > Aadhaar Seeding Status.
- Enter your Aadhaar number.
- The screen will show whether your Aadhaar is linked with the account.
5. Check Aadhaar Seeding Status Offline at Bank Branch
If you are not comfortable with online methods, don’t worry. You can check it directly at your bank branch.
Steps:
- Visit your nearest bank branch.
- Carry your Aadhaar card and passbook.
- Ask the bank official to check whether your Aadhaar is seeded.
- They will check it in their system and confirm instantly.
🌾 Aadhaar Seeding Status for PM Kisan Yojana
Now, let’s focus on farmers who are part of PM Kisan Samman Nidhi Yojana.
Farmers often complain that their PM Kisan installment is not credited.
The main reason behind this is Aadhaar not being linked with the bank account.
👉 To check PM Kisan Aadhaar-bank status:
- Visit the official PM Kisan website: https://pmkisan.gov.in
- Go to Farmers Corner.
- Select Status of Self-Registered/CSC Farmers.
- Enter the Aadhaar number and check the status.
- If Aadhaar is not seeded, it will show ‘Not Available’ or ‘Rejected.’
👉 In that case, you must update Aadhaar details with your bank immediately to continue receiving installments.
🏦 Aadhaar Seeding Status for PMJDY (Jan Dhan Accounts)
Under Pradhan Mantri Jan Dhan Yojana (PMJDY), Aadhaar seeding is compulsory.
Jan Dhan account holders receive:
- Accident insurance
- Overdraft facility
- Subsidies and DBT transfers
👉 Without Aadhaar seeding, these benefits cannot be availed.
To check:
- Visit your bank’s branch or website.
- Use UIDAI’s Aadhaar-bank linking status tool.
- Ensure your PMJDY account is active and Aadhaar-seeded.
⚠️ Common Problems in Aadhaar Seeding
Sometimes even after linking Aadhaar, benefits don’t reach the account.
Why?
Here are the common reasons:
- Mobile number not linked with Aadhaar → OTP issues.
- Multiple bank accounts linked with Aadhaar → Only one gets selected in NPCI mapper.
- Name mismatch in Aadhaar and bank records.
- Inactive or dormant bank account.
- Technical delay in NPCI update.
🛠️ How to Solve Aadhaar Seeding Issues
If you are facing problems, here’s what to do:
- Visit your bank branch with Aadhaar and passbook.
- Ask them to update Aadhaar seeding in the NPCI mapper.
- Ensure your mobile number is updated in Aadhaar via the Aadhaar Enrollment/Update Center.
- Keep only one active bank account for subsidies to avoid confusion.
- Re-check after 7–10 days using UIDAI/NPCI.
📊 Final Thoughts on How to Check Aadhaar Seeding Status with Bank
Friends, I hope this guide cleared all your doubts about how to check Aadhaar seeding status with a bank—whether it’s for PMJDY, PM Kisan, or any other scheme.
To summarize:
- Always ensure your Aadhaar is linked with your active bank account.
- Use the UIDAI portal or NPCI mapper to confirm the status.
- For farmers under PM Kisan, Aadhaar-bank seeding is mandatory to receive installments.
- Jan Dhan account holders must also complete Aadhaar seeding to enjoy benefits.
👉 So don’t wait. Check your Aadhaar seeding status today and stay stress-free about your government subsidies!
Frequently Asked Questions
How can I check my Aadhaar bank seeding status?
You can check your Aadhaar-bank seeding status by visiting the UIDAI portal. And by using the “Check Aadhaar & Bank Account Linking Status” service under Aadhaar services. You’ll need to enter your Aadhaar number and the OTP sent to your registered mobile.
Is Aadhaar seeding done in a bank?
Yes, Aadhaar seeding is done through your bank by linking your Aadhaar number with your bank account. You can complete it online via net banking, mobile app, ATM, or by visiting the bank branch with your Aadhaar card.
How to check DBT status in Bank account?
You can check your DBT (Direct Benefit Transfer) status by visiting the PFMS portal and using the “Know Your Payments” option with your bank details. Alternatively, you can check through your bank’s net banking, mobile app, or by updating your passbook.
How to find out if an Aadhaar card is linked to a Bank account?
You can find out if your Aadhaar is linked to a bank account by visiting the UIDAI portal and using the “Check Aadhaar & Bank Account Linking Status” option with OTP verification. You can also confirm it through your bank’s customer service, branch, or mobile banking app.
How can I check if my Aadhaar is linked to my bank account?
You can check via UIDAI website, SMS, ATM, or bank branch.
How long does Aadhaar seeding take?
Usually 2–7 days, depending on the bank.
Can I link Aadhaar with multiple bank accounts?
Yes, but for DBT benefits, only one account (the latest seeded in NPCI) will receive funds.
Why is my PM Kisan installment not coming?
Most likely because Aadhaar is not linked properly with your bank account.
Do I need a mobile number for Aadhaar seeding?
Yes, because OTP verification is mandatory.
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