How To Link an Aadhaar Card With a UCO Bank Account?

How To Link an Aadhaar Card With a UCO Bank Account?

Aadhaar Card
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In this digital world, where the number of online frauds is increasing, the government of India has made it mandatory for every citizen to link their Aadhaar with their bank account. According to the Lok Sabha, 1.13 million financial cyber frauds were reported in 2023. The Aadhaar card is a unique identification document issued by the government of India to all citizens. This card contains a 12-digit number that acts as their unique identification.

Thus, linking your Aadhaar card with your UCO bank account helps ensure financial compliance and seamless banking transactions. UCO bank is a government-owned bank established in 1943 that caters to the needs of customers by offering them various financial facilities like instant deposits, loans, etc. The bank currently operates with more than 3000 branches across the country.

UCO Aadhaar link enables the government and financial institutions to streamline processes, enhance security, and facilitate the delivery of various subsidies and benefits directly into your bank account. If you wonder how you can link Aadhaar to your UCO bank account, this blog will provide you with a detailed guide.

Benefits of Linking Aadhaar Card with UCO Bank Account

UCO Aadhaar link offers several benefits that are listed below:

  1. Seamless Transactions
    Linking your Aadhaar card with your UCO bank account helps simplify banking transactions. You can make direct benefit transfers, subsidies, and payments into your bank account with ease.

  2. KYC Compliance
    The government has made it mandatory to link the Aadhaar card with bank accounts. Doing this helps fulfil the KYC (Know Your Customer) requirements that help ensure your bank account's authenticity.

  3. Government Subsidies
    Aadhaar-linked bank accounts enable you to enjoy government subsidies, welfare schemes, and other benefits directly. Doing this helps to promote financial inclusion.
  4. Enhanced Security
    The UCO bank Aadhaar link helps to enhance the overall security of your bank account by reducing the risk of identity-related fraud and unauthorised transactions.
  5. Loan Processing
    Aadhaar linkage expedites loan processing and approval. Aadhaar-based e-KYC facilitates quicker verification, enabling faster loan disbursal.

To link Aadhaar with UCO bank, here are some of the ways that you can consider:

  1. Online method

    UCO bank customers with an active Internet banking account can utilise this service to link their bank accounts with an Aadhaar card. There are no charges levied on the account holder or documents required to use this facility. Here's a step-by-step guide on how to UCO bank Aadhaar link online:
    Step 1: Log in to your UCO bank online account.
    Step 2: Click on the 'Request' tab.
    Step 3: : Select the 'Aadhaar Linking' option.
    Step 4:Enter the 12-digit Aadhaar number and read all the terms and conditions.
    Step 5: Click on the 'Submit' button.
    Step 6: On the acceptance of the Aadhaar card link to your UCO bank account online, a confirmation message will appear on your screen.

  2. ATM

    The UCO bank account holders can link their bank account with an Aadhaar card through an ATM by following the steps below. To avail of this service, you only require an active debit card.
    Step 1: Visit the nearest UCO bank ATM and swipe your debit card in the ATM.
    Step 2: Enter the authentication pin.
    Step 3: Choose the 'Other Service' option.
    Step 4: Next, you should choose the 'Aadhaar Seeding' option.
    Step 5: Enter your 12-digit Aadhaar card number, and submit to link the account.
    Step 6: Once completed, you will receive the Aadhaar UCO bank linking confirmation receipt from the ATM.

  3. SMS

    Aadhaar link UCO bank through SMS is quite an easy process, especially in today's world where almost everyone has access to mobile phones. You will have to follow the below-mentioned steps:
    Step 1: You must send an SMS to 9231008888 by composing a UCOAADHAAR message followed by a 12-digit Aadhaar number and the 14-digit record number.
    Step 2: The SMS will be delivered free of cost.
    Step 3: After the successful Aadhaar seeding, you will receive the confirmation message.

  4. OTP Based eKYC

    The UCO bank allows its customers to link their Aadhaar card through the OTP-based eKYC method. To avail yourself of this facility, you must get your mobile number registered with the bank. Follow the below-mentioned steps for easy linking:
    Step 1: Visit the UCO bank portal and enter the 14-digit account number.
    Step 2: Enter the registered mobile number with the bank.
    Step 3: Next, add a 12-digit Aadhaar card number and the security code.
    Step 4: Submit your 'Aadhaar Seeding' request.
    Step 5: After this, you will receive an OTP on your registered mobile number.
    Step 6: Enter the OTP in the provided space and click on the 'Submit' tab.
    Step 7: Once your request for the UCO bank Aadhaar link is accepted, you will receive a confirmation on your mobile number.

  5. Offline Method

    Customers who find it difficult to avail of the online services can look for the offline method for the UCO bank Aadhaar link. Here are the easy steps to link your Aadhaar card with your UCO Bank account offline:
    Step 1: Visit your UCO Bank branch.
    Step 2: Bring a self-attested copy of your Aadhaar card along with the original.
    Step 3: Fill out the Aadhaar linking form provided at the branch.
    Step 4: Attach the self-attested copy of your Aadhaar card with the form.
    Step 5: Submit the completely filled-out form to the UCO Bank executive.
    Step 6: Provide your original Aadhaar card for verification.
    Step 7: Receive a receipt and your original Aadhaar card back from the executive.
    Step 8: Your Aadhaar will be linked to your bank account.
    Step 9: You'll receive a confirmation message once the linking process is successful.

Aadhaar UCO Bank Linking Promoting Financial Inclusion

Linking your Aadhaar card with your UCO bank account helps drive financial inclusion, security, and convenience across India. By providing a unique identity to the citizens, the Aadhaar card helps bridge the gap for those who may find it difficult to apply for loans owing to a lack of identification documents.

With this linking, you can easily access banking facilities and facilitate direct benefit transfers, ensuring financial assistance reaches those in need efficiently. Moreover, the UCO bank Aadhaar link helps promote digital financial literacy, supports small business growth, and improves data accuracy, contributing to a more inclusive and resilient financial ecosystem.To link Aadhaar to a UCO bank account, you can easily and instantly apply for a loan from reputable lenders. KreditBee is one such lender that makes availing of a quick loan with your Aadhaar card easy.  With a hassle-free documentation process, you can get an online personal loan of up to ₹5 lakhs while staying in your comfort zone. This  efficient personal loan process, ranging from instant application to disbursement, makes KreditBee one of the best digital lending platforms in India.

Frequently Asked Questions

Yes, you can update your KYC in UCO Bank online using the Video KYC module available in the UCO mBanking plus app and UCOPAY+ app. This new feature eliminates the need to visit a branch, offering convenient and secure KYC verification from the comfort of your own device.

To avail of various government subsidies and for KYC purposes, it is mandatory to link your Aadhaar card with your UCO bank account.

No, you can only link your UCO bank account with Aadhaar through the ATM provided by UCO Bank.

If you have entered the wrong details, your Aadhaar linking cannot proceed. Under such circumstances, you can re-submit the Aadhaar card linking at UCO bank with the correct details and request to link your account with the Aadhaar card.


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