The Indian Overseas Bank (IOB) offers two convenient ways to link your Aadhaar card with your bank account, making banking transactions a breeze. Whether you’re tech-savvy or prefer a more traditional approach, IOB has you covered. Here’s a breakdown of both methods to help you choose the one that best suits your needs.
Method 1: Online Aadhaar Seeding – For the Digital Dabbler
If you’re comfortable navigating online banking, this method is perfect for you. Here’s what you’ll need to do:
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Head to the IOB Website: Visit the official IOB website (https://www.iob.in/).
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Navigate to “Update Aadhaar”: Look for the “Update Aadhaar” section on the website. This might be under the “Quick Links” or “Important Links” section depending on the website layout.
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Choose “Aadhaar Seeding and Authentication”: Once you find the “Update Aadhaar” section, you’ll likely see options for different Aadhaar-related tasks. Click on the option that mentions “Aadhaar Seeding and Authentication.”
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Fill Out the Online Form: The next page will display an online form. Here, you’ll need to enter your account number, your 12-digit Aadhaar number, and your registered mobile number with IOB. Double-check all the information before proceeding.
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Agree and Submit: Carefully read the terms and conditions before clicking the “I Agree” checkbox. Once you’re ready, click on the “Submit” button.
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Verify with OTP: An OTP (One Time Password) will be sent to your registered mobile number. Enter the OTP in the designated field on the website and click on “Verify.”
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Confirmation and Next Steps: If everything is successful, you’ll receive a confirmation message on the screen. You might also get a confirmation SMS on your phone. The processing time for linking your Aadhaar may take a few days.
Important Note: You’ll need to be a registered user of IOB’s internet banking service to utilize this method. If you haven’t signed up yet, you can visit your nearest IOB branch to initiate the internet banking registration process.
Method 2: Branch Visit – For the Personal Touch
If you’re more comfortable with in-person assistance, you can visit your nearest IOB branch to link your Aadhaar card. Here’s what to expect:
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Carry the Essentials: Make sure you have your Aadhaar card (original and photocopy), your IOB bank account passbook or a copy of your bank statement, and a valid photo ID proof (like your PAN card or Voter ID) with you.
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Take a Token: Once at the branch, collect a token for “Aadhaar Seeding” or a similar service. You might need to wait for your turn depending on the branch’s footfall.
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Meet the Bank Representative: When your turn arrives, explain to the bank representative that you want to link your Aadhaar card with your IOB account.
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Verification and Form Filling: The representative will verify your documents and provide you with a form to fill out. Ensure you fill out the form accurately, providing details like your account number and Aadhaar number.
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Biometric Verification: In some cases, the bank representative might ask you to undergo fingerprint or iris scan verification for additional security purposes.
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Confirmation and Follow-up: Once everything is processed, the representative will inform you about the successful linking of your Aadhaar. You might also receive an SMS confirmation on your registered mobile number. The processing time might take a few days.
Remember: While both methods are secure, it’s crucial to safeguard your Aadhaar information. Never share your Aadhaar number or OTP with anyone unauthorized.
Linking Aadhaar: Benefits and Peace of Mind
Linking your Aadhaar card with your IOB bank account offers several advantages. It simplifies KYC (Know Your Customer) processes, making future bank transactions smoother. Additionally, Aadhaar seeding helps in better account security and can be beneficial for availing government subsidies linked to your bank account.
So, choose the method that works best for you and get your Aadhaar linked with your IOB account today. It’s a quick and easy process that can save you time and hassle in the long run.