Aadhaar bank account seeding is a process of linking an individual’s Aadhaar number with the bank account. The linkage is essential to get services such as direct benefit transfers (DBT), subsidies, and other Aadhaar-based financial services.

It offers an easy-to-use interface for checking the status of the linkage. It helps detect inconsistencies.

Key Features

• Instant Status Check: Get real-time confirmation of Aadhaar Bank account linkage.
• Bulk Verification: Supports multiple requests simultaneously for enterprises and compliance operations.
• Fraud Prevention: It helps prevent incorrect transfer, duplicate accounts, and misuse of Aadhaar.

Use Cases

• Banking and Financial Institutions: Banks, NBFCs, and payment service providers can use the API for quick verification of Aadhaar linkage during account opening, loan applications, and fund transfers. It prevents failed transactions due to unlinked accounts.

• Fintech and Digital Platforms: Digital payments apps and wallets can use this API before enabling UPI transactions or eKYC onboarding.

• Insurance Providers: Insurance companies can use this API to verify Aadhaar bank linkage for premium collection and claim settlements. It ensures that only the right policyholder get benefit.