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Aadhaar linking: Deadline extensions and procedures you need to be aware of

The Supreme Court has extended the deadline for linking Aadhaar to bank accounts and mobile phones to March 31, 2018.

The Supreme Court is all set to announce the verdict on a number of PILs that have been filed against making Aadhaar mandatory to avail various government schemes. According to the petitioners, the government has been increasing the number of schemes where the 12-digit unique identification number is mandatory, in violation of an order that the SC had passed. the petitioners argue that instead of making Aadhaar mandatory for six schemes, as per the court order, the government had made it mandatory for 139 schemes. The petitioners have also contended that by making Aadhaar mandatory, the government is violating an individual’s Right to Privacy.

With currently 1.19 billion people enrolled in it, and over 99 percent of Indians aged over 18, as of November 30, 2017, the 12-digit unique identity number issued to all Indian residents, capturing their biometric data, has been a highly ambitious, plan, albeit controversial.

We take a look at the schemes for which Aadhar is mandatory and the deadlines and procedures for linking.

Bank accounts: The deadline for linking Aadhaar to bank accounts has been extended to March 31, 2018, or six months from the date of commencement of account, from the previous deadline of December 31, 2017. Those failing to do so by the deadline will face the risk of having their bank accounts frozen until the linking is done.  It is also mandatory to quote the 12-digit Aadhaar number for any transactions above Rs 50,000.
Procedure: While individual bank procedures may vary slightly, you can link your bank accounts with Aadhaar by going to the branch, through the bank’s phone banking service, the mobile app or through internet banking. Some banks, like HDFC and SBI, also enable you to link your card and bank account by sending a message from your registered mobile number, along with your account number and 12 digit Aadhaar card number, to a designated number.
You can also check if your bank account is linked to your Aadhaar by visiting the Aadhaar website, https://www.uidai.gov.in/. You need to then click on ‘Check Aadhaar and bank account link status, ’ enter your Aadhaar number and security code. Using the OTP sent to your registered number, you will be able to login and confirm if your account is linked or not.

Pan card: In a bid to eliminate fake or multiple PANS, the government has made it mandatory to link your Aadhaar card with your pan.  The deadline for this, however, has been extended to March 31, 2018.
Procedure: To link your Aadhaar with your pan card you need to log on to income tax portal, www.incometaxindiaefiling.gov.in, enter your Aadhaar card and Pan card number and then click on the Link Aadhaar button.  After your details have been verified by the UIDAI, your linking will be complete. In case there is any mismatch in any of your details, for example your name, you will be sent a one time password.
You can also link the two by sending an SMS to 567678 or 56161 and follow the format given: UIDPAN(12 digit Aadhaar)(10 digit PAN).

Mobile number: The Department of Telecom has issued a circular asking telecom companies to verify user’s old and new phone numbers through Aadhaar eKYC. This has raised questions and concerns about the safety and privacy of numbers and Aadhaar card details. The last date for linking your mobile number to your Aadhaar card has been extended to March 31, 2018, post which your number will get disconnected.
Procedure: While earlier, you had to call the call centre or physically visit the branch to link the two, from January 2018, you can link the two from the comfort of your home. All you will have to do is call the mobile number and a voice-guided system will take you through the steps.

LPG subsidy: Those wishing to avail of LPG subsidies need to provide proof of possession of Aadhaar or undergoing Aadhaar authentication. This order was issued in October 2016 by the Ministry of Petroleum. The deadline for linking Aadhaar is December 31, 2017.
Procedure: There are both online and offline methods to link your Aadhaar card to your LPG connection. You can either download the form from the official websites of HP, Indane or Bharat Gas, print it and hand over the filled in form to your LPG dealer.
You can also link your Aadhaar through post by sending in the duly filled form, via the call centre by calling the toll free number 18000-2333-555, or online by visiting the individual petroleum company and filling out the details.

Employee Provident Fund pension: The Centre has made it mandatory for all members of the Employees’ Pension Scheme to furnish their Aadhaar card number to avail of the benefits under the scheme. The deadline for the submission of Aadhaar number has been extended to March 31, 2018, for its over four crore members.
Procedure: To link your account, you need to log in to the EPF website, http://www.epfindia.com/site_en/  using your Unique Account Number (UAN) and your password. After you log in, select the eKYC option and click on link UAN Aadhaar to update your AAdhaar number. You need to enter your 12 digit Aadhaar number and click save. Your Aadhaar will then be linked to your UAN.
Alternatively, you can also go to your nearest EPFO or Common Service Centre (CSC), along with your Aadhaar card and copy of your pan card and update your Aadhaar card offline.

Insurance Policies: It is mandatory to link your Aadhaar number with your insurance policy, pending which you may face difficulties with claim settlements. The last date for linking the two is March 31, 2018.
Procedure: Online procedures for individual insurance companies may vary slightly and you will need to keep your policy number, Aadhaar number and PAN number handy before you start the process. To link your policy online, you need to log in to the insurance company’s website and provide your policy details and personal identification. You can then proceed to the Aadhaar linking page/update Aadhaar page, enter your policy number and Aadhaar number and submit the form.
You can also link it offline by visiting the company’s branch with your Aadhaar card and PAN card to complete the process.

Mutual funds: You will need to link your mutual funds to your Aadhaar by March 31, 2018, failing which you may not be able to make any new investments or withdraw money.
Procedure: To make the process of managing mutual fund folios easier there are two Register & Transfer Agents – Karvy and CAMS, who keep records of transactions done by all mutual fund holders. You can link your Aadhaar to your mutual fund folio through these two agents, except for folios such as Franklin Templeton, which does not accept the services of these RTAs. In such a case you need to proceed with the specific company.

To update online through CAMS, you need to click on the link https://adl.camsonline.com/InvestorServices/COL_Aadhar.aspx and provide details such as your Date of Birth, Gender, Pan Number, Aadhaar Number and the mobile number registered with your mutual fund.
With Karvy, you need to visit https://www.karvymfs.com/karvy/Aadhaarlinking_individual.aspx, and enter your PAN. You will then receive an OTP, post which you can proceed to provide your Aadhaar details and link the two.
Alternatively, for Karvy, you can also link your Aadhaar through SMS by sending ADRLNK to the number 9212993399.