Check If Your Bank Account Is DBT-Linked (Aadhaar Seeding) — 2026

Your LPG subsidy stopped. Your PM-Kisan ₹2,000 instalment never arrived. Your child's scholarship is “credited” on the portal but missing from your passbook. The single most likely reason: your bank account is not DBT-linked — meaning your Aadhaar is not seeded into the NPCI Aadhaar Mapper with this account flagged as your primary. This is different from the routine “Aadhaar linked to bank” KYC that almost every bank does silently. Below: the exact 3 ways to check in under 10 minutes, what to do if your money is going to a closed/old account, and the RTI route when the bank stonewalls.

1. UIDAI Aadhaar portal (most reliable, 2 minutes): Go to https://myaadhaar.uidai.gov.in → log in with Aadhaar + OTP → Bank Seeding Status. It will display your seeded bank name and the date the NPCI mapper was last updated. If it shows “Inactive” or “Not Found”, you are not DBT-linked.
2. NPCI mapper via *99*99# (no internet, any phone): Dial \*99\*99\# from the mobile number registered with Aadhaar → choose Option 1: Check Aadhaar–NPCI mapper status → enter your 12-digit Aadhaar → confirm last 4 digits. The IFSC bank code of your primary mapped account comes back as an SMS.
3. Internet banking / passbook / branch (slowest, definitive): Log in to your bank's net banking → look for Aadhaar Seeding or DBT under Services. Most PSBs (SBI, PNB, BoB, Canara, BoI, IOB, Indian Bank, UBI) show a “DBT enabled: Yes/No” flag. If unclear, walk into the branch with Aadhaar + passbook and ask: “Is this account the NPCI-mapped primary account for DBT?”

Reviewed on: 26 May 2026. Source authorities: UIDAI (uidai.gov.in), NPCI (npci.org.in), DBT Bharat (dbtbharat.gov.in), RBI Master Direction on KYC.

There are three distinct databases. Almost every citizen confuses them:

1. Bank-side Aadhaar KYC — Your bank stores your Aadhaar number against your account. This is what happens when you sign the Aadhaar consent form at the branch. It satisfies PMLA / RBI KYC norms. It does NOT make the account DBT-eligible.
2. NPCI Aadhaar Mapper (the one that matters) — A central database run by the National Payments Corporation of India. It maps one Aadhaar → one IFSC + account number as the primary destination for DBT credits. Banks push seeding requests into this mapper using APBS (Aadhaar Payment Bridge System).
3. Government scheme database — PFMS, DBT Bharat, PM-Kisan, NSP, etc., release the credit using your Aadhaar number. NPCI mapper looks up your primary account. Money lands there.

The primary-account trap: if you have accounts at multiple banks and each pushed a seeding request, the most recent one wins. There is no “preferred bank” toggle from the citizen side without an explicit re-seeding.

The cleanest, government-of-record check.

1. Open https://myaadhaar.uidai.gov.in in any browser.
2. Click Login at the top right.
3. Enter your 12-digit Aadhaar → captcha → Send OTP.
4. Type the 6-digit OTP sent to your Aadhaar-registered mobile (the number on your Aadhaar card, not necessarily your current main number).
5. On the dashboard, click Bank Seeding Status (sometimes shown as Aadhaar–Bank Account Linking Status).
6. Read the screen:
   • “Active” + bank name + last update date → you are DBT-linked to this bank. Confirm it is the account you actually use.
   • “Inactive” → seeding was de-linked at some point.
   • “Not Found / No Record” → you have never been seeded into the NPCI mapper. No DBT credit will reach you.
7. Click Download to save a PDF receipt — useful if you need to escalate.

Common error: “Unable to verify Aadhaar — mobile not linked”. Your Aadhaar-registered mobile is stale. Update it at the nearest Aadhaar Seva Kendra (₹50 fee, ~7 days). See Aadhaar update procedure.

Works on any feature phone, no internet. Charged at standard SMS rate (about ₹0.50 per session).

1. From the mobile number registered with Aadhaar, dial \*99\*99\# and press call.
2. Menu appears. Choose Option 1: Know your Aadhaar–NPCI mapper status.
3. Type your 12-digit Aadhaar → Send.
4. Confirm by typing the last 4 digits of Aadhaar again → Send.
5. A response screen says: “Your Aadhaar is linked / mapped to bank [BANK NAME] (IFSC [CODE])”. Or “Aadhaar not found in mapper”.
6. The same info also comes by SMS for your records.

Tips:

• The number you dial from must match the one registered against your Aadhaar — not the one your bank has.
• If you have a dual-SIM phone, use the right SIM slot.
• Network: this is a USSD service. If your operator throttles USSD (Jio sometimes does), try once more or switch to Method 1 or 3.

• Option 2: Last 4 digits of Aadhaar seeded with bank → handy if your KYC card is locked.
• Option 3: De-link Aadhaar from any bank account → use carefully, will break ongoing DBT credits.

The full menu is maintained at https://www.npci.org.in/what-we-do/aadhaar-payment-bridge/dbt-mapper.

Useful when you want to confirm the specific account number at a specific bank and not just the Aadhaar-level mapper view.

1. Log in.
2. Look under Services → Aadhaar Seeding, DBT, or Linked Schemes.
3. The banks that surface this clearly: SBI, PNB, Bank of Baroda, Canara, Bank of India, IOB, Indian Bank, Union Bank, Central Bank, Federal Bank, HDFC, ICICI, Axis. Most others bury it under “Service Requests”.
4. Read the DBT enabled flag. Confirm “Set as NPCI primary” is also Yes — some banks show seeding-yes but NPCI-primary-no, meaning a different bank still owns your mapper entry.

Some PSBs print “DBT Account” or “AADHAAR SEEDED” in the account-particulars page of the passbook. Check the inside front cover.

Carry: Aadhaar card + passbook + mobile.

Ask the officer:

“Sir/Madam, kindly confirm in writing whether this account is the NPCI Aadhaar Mapper primary account for DBT. If not, kindly do the seeding and mapping today and share the APBS reference number.”

Most banks have a one-page “Aadhaar Seeding / DBT Consent Form”. Fill, sign, attach Aadhaar self-attested copy. Get a stamped acknowledgement with date.

Service standard: seeding push happens same day; NPCI mapper updates in 24-72 hours. Re-check via Method 1 or 2 after 3 days.

1. Visit the branch.
2. Submit Aadhaar Seeding + NPCI Mapper Consent form.
3. Insist on the APBS transaction reference.
4. Re-check after 72 hours via \*99\*99\#.

This is the most common DBT failure in 2024-26.

1. Identify the wrong bank from \*99\*99\# response.
2. Visit your preferred bank (the one where you want subsidies).
3. Ask them to submit a fresh seeding request — this overwrites the mapper.
4. If the old/wrong account is dormant and the bank refuses to move the mapper, file a complaint with Department of Financial Services at https://financialservices.gov.in/grievance or RBI CMS at https://cms.rbi.org.in.

Via \*99\*99\# → Option 3 you can de-link Aadhaar from a bank. This is useful only if you want to stop credits to a wrong account. It does not auto-link to a new one — you still need a branch visit at your preferred bank.

The credit may be stuck on the scheme side, not the bank side.

1. PM-Kisan: status at https://pmkisan.gov.in → Beneficiary Status → search by Aadhaar/account.
2. NSP scholarship: https://scholarships.gov.in → login → Track Disbursement.
3. LPG/PAHAL: https://mylpg.in → Cylinder Booking & Subsidy History.
4. MGNREGA: https://nrega.nic.in → Pay Details for your village/job-card.
5. Generic DBT: https://dbtbharat.gov.in → Beneficiary Search.

If the scheme says “credited” but your passbook is empty, the gap is between APBS and the bank's CBS — file a written complaint at your branch citing the RBI Master Direction on KYC + the DBT Mission's Citizen Charter.

• Aadhaar card (physical or e-Aadhaar PDF) — for branch / portal verification.
• Bank passbook — to confirm account number + branch IFSC.
• Aadhaar-registered mobile — mandatory for OTP and \*99\*99\#.
• Self-attested Aadhaar copy — if visiting the branch.
• Scheme reference number (PM-Kisan ID, scholarship application ID, LPG consumer number) — if you are escalating a missing credit.

• Believing “Aadhaar linked” at the bank means DBT-ready. It does not. NPCI mapper is a separate database.
• Not updating Aadhaar-registered mobile after losing the old SIM — locks you out of both UIDAI portal OTP and \*99\*99\#.
• Opening a new bank account for a salary, scholarship, or business loan without realising the bank quietly overwrote your DBT mapping. Always ask “Will you push my Aadhaar into NPCI mapper or only the bank-side KYC?”.
• Closing the old account before re-seeding the new one — leaves a gap during which DBT credits land in a frozen/closed account, then bounce back.
• Using the wrong Aadhaar-registered mobile for \*99\*99\# — most common reason the USSD fails with “unable to verify”.
• Relying on bank staff who say “DBT issue, contact government” — the bank is legally responsible for the seeding push under the DBT Mission's operating procedure (DFS, 14 May 2014, amended 2022).

If the bank stonewalls on seeding or mapper status, file under §6 RTI Act 2005. Use the AI RTI Drafter to polish, or copy this template:

To,
The Central Public Information Officer,
[Bank Name],
[Bank head office address],

Subject: RTI under §6 — Aadhaar seeding & NPCI mapper status for
account [ACCOUNT NUMBER] held at [BRANCH NAME, IFSC]

Sir/Madam,

Under the Right to Information Act, 2005, I, [Name], holder of
Aadhaar ending xxxx-xxxx-[LAST 4], request the following information
in respect of my account [ACCOUNT NUMBER] at your [BRANCH] branch:

  1. Date on which Aadhaar seeding was carried out at the bank level
     for my account.

  2. Date on which the bank submitted the seeding request to NPCI for
     inclusion in the Aadhaar Mapper / APBS, with reference number.

  3. Current status — whether the account is mapped as "primary" in
     the NPCI Aadhaar Mapper, with date of last update.

  4. Copy of the standard operating procedure followed by the bank
     under the DBT Mission's instructions (DFS, 14 May 2014 as
     amended) for Aadhaar seeding and NPCI mapping.

  5. Reason and authority, if the account is not the NPCI primary
     account despite a written consent on file.

  6. Action taken on any earlier complaint dated [DATE] (acknowledgement
     no. [REF]) regarding non-receipt of DBT credit for [SCHEME].

7. Inspection of the relevant file under §2(j)(i) is requested in case
   any document above is not provided within the 30-day window under
   §7(1).

Fee: ₹10 by IPO / DD attached.
First Appellate Authority: as designated, address to be provided.

Yours faithfully,
[Name]
[Address]
[Mobile, email]
[Date]

The bank must reply within 30 days under §7(1). Silence is deemed refusal — file a first appeal within 30 days using the First Appeal Builder. Second appeal lies with the Central Information Commission (banks are public authorities under §2(h)). For the full RTI playbook, see The RTI Playbook.

No. Aadhaar-linked means your bank has your Aadhaar number on its KYC record. DBT-linked means the NPCI Aadhaar Mapper has flagged this specific account as the primary destination for any DBT credit arriving against your Aadhaar. The first does not imply the second.

No. The NPCI Aadhaar Mapper accepts exactly one primary account per Aadhaar. Whichever bank most recently submitted a seeding request wins. To switch, walk into the bank you prefer and submit a fresh seeding form — it will overwrite the mapper.

Your Aadhaar-registered mobile is different from the one you are dialling from. Update Aadhaar mobile at an Aadhaar Seva Kendra (₹50, 7-10 days). See Aadhaar enrolment / update. Once updated, the same number will also let you log into the UIDAI portal.

Yes. When a credit lands in a closed/frozen account, banks usually return the money to the originating scheme within 7-30 days via the APBS bounce-back mechanism. File a written complaint at the originating scheme (PM-Kisan / NSP / LPG, etc.) attaching your \*99\*99\# screenshot and the closed-account proof. After re-seeding your active account, the scheme will re-credit. RBI's Customer Liability Framework, 2017 also gives you the right to compensation if the bank's delay caused the failure.

No. Aadhaar seeding and NPCI mapper updates are free of charge under the DBT Mission's standard operating procedure. If a banking correspondent or branch agent asks for money, file a complaint at https://cms.rbi.org.in.

• APBS (Aadhaar Payment Bridge System) — used for government DBT credits. Reads NPCI Aadhaar Mapper.
• NACH (National Automated Clearing House) — used for bulk credits like salary, EMI mandates. Uses account number + IFSC, not Aadhaar.

A scholarship may switch from NACH (your IFSC) to APBS (your Aadhaar) without telling you, exposing the mapper gap.

Yes. Walk into your bank branch with Aadhaar + passbook. The branch can query the NPCI Aadhaar Mapper internally (CBS-side Finacle/BaNCS has an “Aadhaar seeding inquiry” screen). Ask them to print or stamp the status.

• UIDAI: 1947 (24×7, all India, all languages).
• NPCI Customer Care: 1800-1201-740.
• DBT Bharat / DFS: complaint portal at https://financialservices.gov.in/grievance.
• RBI Banking Ombudsman: https://cms.rbi.org.in (free, 30-day SLA).

That is a brush-off. File an RTI to the bank CPIO (sample above) — banks are public authorities under §2(h) RTI Act when receiving APBS funds. The reply will show whether the seeding push actually went into the NPCI Mapper or was logged only at the bank's local KYC. Escalate to RBI CMS if non-response in 30 days.

• AePS / Aadhaar biometric fraud recovery — when your DBT account is drained via biometric replay.
• Aadhaar enrolment / update status — RTI to UIDAI.
• Aadhaar correction stuck — RTI to UIDAI Regional Office.
• Apply / update Aadhaar — fresh enrolment 2026.
• Bank account frozen — RTI to bank + RBI.
• AI RTI Drafter — draft a polished RTI in 5 minutes.
• First Appeal Builder — if the bank stonewalls.
• The RTI Playbook — the full citizen RTI guide.

• UIDAI — My Aadhaar portal: https://myaadhaar.uidai.gov.in
• NPCI — Aadhaar Payment Bridge / DBT Mapper: https://www.npci.org.in/what-we-do/aadhaar-payment-bridge/dbt-mapper
• NPCI — \*99\*99\# Aadhaar Mapper USSD service: https://www.npci.org.in
• DBT Bharat — Beneficiary status: https://dbtbharat.gov.in
• Department of Financial Services — Grievance portal: https://financialservices.gov.in/grievance
• RBI — Banking Ombudsman / CMS: https://cms.rbi.org.in
• PM-Kisan beneficiary status: https://pmkisan.gov.in
• National Scholarship Portal: https://scholarships.gov.in
• MGNREGA wage status: https://nrega.nic.in
• PAHAL / LPG subsidy history: https://mylpg.in

Written by the RTI Wiki citizen-help editorial team. Updated 26 May 2026. If anything on this page is outdated, write to [email protected] and we will fix it within 48 hours.