General
How To Remove Aadhaar Card From Bank Account?
In 2018, the Supreme Court ruled the act of linking one's Aadhaar to their bank account unconstitutional. According to this, linking Aadhaar with bank accounts is not invalid, but banks cannot force people to do so. This step was taken considering the privacy risks associated with providing the Aadhaar number as it has sensitive information linked to it. Read along to know how to delink an Aadhaar card from a bank account.
How to Delink Aadhaar Card From Bank Account Online?
Users must follow the below-mentioned steps to delink their Aadhaar from bank accounts online:
Step 1 - Visit the bank’s official website
Step 2 - Login to your account
Step 3 - In the section where personal details are provided, there will be an option to delink the Aadhaar.
Step 4 - Select the option and delink the Aadhaar.
Step 5 - Once done, you will receive an SMS confirming the process's success.
How to Delink Aadhaar Card From Bank Account Offline?
Follow the steps mentioned below to delink Aadhaar from your bank account offline:
Step 1 - Visit your bank branch and discuss the concern with the customer care representative.
Step 2 - Write an application addressing your request to unlink your Aadhaar from your bank account.
Step 3 - To ensure the smooth running of the process, carry other KYC documents like PAN card and passbook along with you.
Step 4 - Submit the application to the bank.
Step 5 - It usually takes about 48 hours to complete the process. Once done, you will receive a confirmation SMS on your mobile number registered with the bank.
Why was it Not Mandatory to Link Aadhaar with Bank Accounts Earlier?
In 2018, the Supreme Court declared that linking Aadhaar with a customer's bank account was not mandatory. It was because banks already had an alternative for Aadhaar, and they adopt other KYC methods while creating a bank account. This eliminates the necessity of linking an Aadhaar and reduces the risks of fraudulent activities.
It is no longer mandatory to link one's Aadhaar number with their bank account. However, people have a choice. Banks cannot force customers to link their Aadhaar to their bank accounts, as it will be considered illegal. The government has ruled out the necessity of linking Aadhaar to bank accounts.