A Guide to Linking Aadhaar with SBI Online via SMS

In India, Aadhaar has become a cornerstone of identity verification and access to various government services. Linking Aadhaar with bank accounts is essential for seamless financial transactions and availing of benefits such as direct benefit transfers (DBT). State Bank of India (SBI), being the largest public sector bank in India, offers a convenient method to link Aadhaar with SBI accounts online via SMS. This guide aims to provide a detailed walkthrough of the process, its significance, guidelines, and additional information related to Aadhaar and SBI’s online services.

Understanding Aadhaar and Its Benefits:

Aadhaar, a 12-digit unique identification number issued by the Unique Identification Authority of India (UIDAI), serves as proof of identity and address. It facilitates access to various government services and subsidies, streamlining identification processes across sectors. Linking Aadhaar with bank accounts enhances transparency, eliminates duplication, and enables efficient delivery of subsidies and benefits, contributing to financial inclusion and socio-economic development.

Significance of Linking Aadhaar with SBI Account:

Linking Aadhaar with an SBI account is crucial for leveraging government welfare schemes and subsidies directly into the account. It also facilitates seamless transactions, enables e-KYC for account opening and updates, and ensures compliance with regulatory requirements. Moreover, Aadhaar linkage enhances security and reduces the risk of identity theft or fraud, thereby fostering trust in banking transactions.

Step-by-Step Guide to Linking Aadhaar with SBI Online via SMS:

  • Check Aadhaar linkage status: Verify whether your Aadhaar is already linked to your SBI account through SBI’s internet banking portal or mobile app.
  • Prepare for Aadhaar linking: Ensure your mobile number is registered with SBI and linked to your Aadhaar for OTP-based authentication.
  • Compose the SMS: Format the SMS in the prescribed format provided by SBI, including keywords such as “UIDAadhaarNumber” and “AccountNumber”.
  • Send the SMS: Send the SMS to the designated number provided by SBI for Aadhaar linking.
  • Receive confirmation: Upon successful submission of the SMS, you will receive a confirmation message acknowledging the receipt and processing of your request for Aadhaar linkage.

Guidelines and Best Practices for Aadhaar Linkage:

  • Verify the accuracy of your Aadhaar and SBI account details before initiating the linking process to avoid discrepancies.
  • Ensure the confidentiality of your personal information and avoid sharing sensitive details with unauthorized entities.
  • Follow SBI’s instructions and adhere to specific guidelines and timelines provided for Aadhaar linkage to avoid delays or rejections.
  • Seek assistance from SBI customer support if you encounter any issues or require clarification regarding the Aadhaar linkage process.

Exploring Additional Aadhaar Services Offered by SBI:

Apart from Aadhaar linkage, SBI offers various Aadhaar-related services such as Aadhaar seeding, e-KYC, and Aadhaar-enabled payment systems (AEPS). These services enable customers to update their Aadhaar details, authenticate transactions, and avail of banking services conveniently using Aadhaar authentication.

Frequently Asked Questions (FAQs):

Q1: Can I link multiple SBI accounts with the same Aadhaar via SMS?

A1: Yes, you can link multiple SBI accounts with the same Aadhaar number using the SMS-based linking method.

Q2: Is there any fee charged for linking Aadhaar with SBI account via SMS?

A2: No, SBI does not charge any fee for linking Aadhaar with accounts via SMS. It is a free-of-cost service provided to customers.

Q3: How long does it take for Aadhaar linkage to be processed after sending the SMS?

A3: The processing time for Aadhaar linkage may vary, but typically, it takes a few days for the request to be processed, and confirmation is sent to the customer.


Linking Aadhaar with an SBI account online via SMS offers a convenient and secure method for ensuring compliance with regulatory requirements and availing of benefits seamlessly. By following the step-by-step guide provided in this comprehensive manual, customers can link their Aadhaar with their SBI accounts with ease. Leveraging Aadhaar-based services not only enhances convenience in banking transactions but also contributes to India’s vision of a digital and inclusive economy.

Sharing Is Caring: