Aadhar Card Linking Regulations and Procedures for Bank Accounts
Introduction
The Aadhaar card is a unique biometric-based identity document issued by the Unique Identification Authority of India (UIDAI) to Indian residents. This identifier is often used for various services, including linking it to bank accounts. However, certain regulations and biometric verification processes ensure the security and integrity of this system. This article delves into the specifics of linking an Aadhaar card to a different person's bank account and the reasons why this is not permitted.
Why Can't You Link an Aadhaar Card to Another Person's Bank Account?
Linking your Aadhaar card to someone else's bank account is not allowed due to the stringent verification processes in place. The biometric and demographic details associated with an Aadhaar number are tied to a specific individual. The linking process involves verifying these details against the Aadhaar database, which includes the person's name, date of birth, and biometric data.
Attempting to link an Aadhaar card to a bank account will require the bank to verify the details, such as the name, against the Aadhaar database. If the name does not match or if there are discrepancies, the linking process will likely be rejected. Moreover, using someone else's Aadhaar for linking purposes is considered a misuse of the Aadhaar system and can lead to legal consequences.
Procedures for Changing Name on Aadhaar Card
To ensure the Aadhaar card is linked only to your own accounts, any changes in the name on the Aadhaar card need to be legally valid. You should change your name and spelling based on the name mentioned in your Xth certificate. After the change in name, you can apply for a new Aadhaar card.
The changes in the Aadhar card will take effect within 7 days. For SBI, or any other bank, you can link your Aadhaar card online. The process involves submitting the Aadhaar card to the bank for verification and following the online procedures to link it to your bank account.
Proofs and Verification
When linking an Aadhaar card to a bank account, proof submitted as part of the Know Your Customer (KYC) process should be related to the applicant only. Banks will always check the proofs with the account details available in their system. Any spelling changes or discrepancies will not be accepted until the change is legally valid. It is important to note that attempting to link someone else's Aadhaar to your bank account could be considered impersonation and is a criminal offense.
For joint account holders, if the mode of operation is 'either or survivor' or 'severally,' it is possible to link one's Aadhaar to the joint account with the customer relationship number. However, this cannot be done for a different person's account.
Conclusion
In conclusion, linking an Aadhaar card to another person's bank account is not permitted due to the biometric and demographic verification processes. This ensures the security and integrity of the Aadhaar system and adheres to legal and ethical standards. Always ensure that the Aadhaar card is linked only to your own accounts and that any necessary name changes are made legally valid.