How to Link Aadhaar With a PPF Account Online?

It is necessary to remember that integrating Aadhaar with PPF accounts would help to eliminate duplicate accounts, fake insurance policies, and unlawful mobile connections. The technology of the Aadhaar card can help in mitigating significant security risks. Often, dishonest people register bank accounts in others’ names, but these accounts might be immediately tracked down if Aadhaar is linked properly and correctly with your PPF account. Aadhaar is difficult to copy because your biometric data is so unique that it is nearly impossible to reproduce.

Importance of Aadhaar.

Each Indian resident is given a unique number known as their Aadhaar number, a universal number that may be used for identification and address verification. For public welfare programmes and citizen services, this 12-digit number is crucial since it contains all the individual’s information in a government database.

Indian citizens with an Aadhaar card can use this card as an identity card. Because Aadhaar is linked to other identity cards, including PAN, it has gradually supplanted PAN as the only nationally approved card. To use any services, you won’t need to register or apply for any more cards if you already have an Aadhaar card.

Benefits of linking Aadhaar with a PPF account.

There are many investment options in India. Among those options, one of the most liked is the Public Provident Fund (PPF), which gives assurance of returns. It also provides tax benefits on investments and tax-free returns. These are some of the few reasons for people’s liking. Moreover, it also helps people to save money for retirement.

PPF, or the Public Provident Fund, is a government-backed savings plan with many advantages. It is among India’s most affordable savings programs, encouraging people to save money and giving them financial security. PPF is an investment plan that is meant to last for 15 years and comes with guaranteed returns. Quarterly reviews are conducted on the interest rate that the government sets.

Also Read: How to transfer a PPF account from the post office to the bank?

How to Link Aadhaar With PPF Account Online?

As per the EPFO’s mandate, employees must Link Aadhaar With PPF Account Online to avail of EPF and use services. All Indian employees are now entitled to manage their Public Provident Funds (PPF) online. They can access the EPFO website or use the UMANG app to link their Aadhaar number to their PPF account.

Online method.

The following process provides step-by-step guidance on how to connect an online PPF account to an Aadhaar:

1. Visit the e-SEWA portal or EPFO Member home page at https://unifiedportal-mem.epfindia.gov.in/memberinterface/.
2. Visit the portal. To access your account, log in to your EPF account and fill in your credentials. Remember that you can only access your EPF account after you have your registered Aadhaar card number and your Aadhaar card has been activated online.
3.  Go to the option “Manage,” you will find the KYC option there. Go to this option. 
4.  You will be shown a new page after going to the KYC option. You select “Aadhaar” to link your EPF account.
5.  Choose the option of “Aadhaar” and then enter your Aadhaar card number, name, and other details of your Aadhaar card. Then click “Save” option to continue.
6. When you save the filled-in details, your Aadhaar will be ready to use the information provided in the Aadhaar card. 
7.  Your Aadhaar number will be linked to your PPF account once your KYC certificate is verified. You will see the label “Verified” next to your Aadhaar details there.

Using the Umang App.

One more method to link your PPF account to Aadhaar is using the UMANG app.

 UMANG (Unified Mobile Application for New-age Governance) was introduced by the Ministry of Electronics and Information Technology (MeitY) and the National e-Governance Division (NeGD) to promote mobile governance in India. You must link your Aadhaar number to your PPF account to claim your PPF online. You can fetch many benefits when you link your Aadhaar to your PPF account. The methods for using the UMANG APP for linking your PPF account with Aadhaar are as follows:

1. To open the UMANG app, you must enter your “MPIN” or if you don’t have your MPIN, use the OTP that you will receive on your registered number.
2. Go to the option of “Services” and select the option of “EPFO” from the “Services” page after completing your log-in.
3.  Choose “e-KYC services” from the EPFO menu.
4.  Select the “e-KYC services” option and then select the Aadhaar Linking option.
5.  After entering your Aadhaar number, click the “Submit” button.
6.  A confirmation text message will be delivered to the cell phone number you provided while opening an EPF account.
7.  You need to give your Aadhaar details in the boxes.
8.  When you provide your Aadhaar details, you will receive an OTP on your registered email address and mobile number.
9.  Your Aadhaar and PPF account will be linked when you finish the OTP verification process.

Conclusion.

If your Aadhaar has not been linked to your PPF account, it will negatively impact the benefits of loaning, premature withdrawal, and many other amenities against this savings plan. The Indian government is putting this policy into effect to check illegal activities and ensure the transparency of fiscal transactions. That is why it is believed that the 12-digit Aadhaar unique identity number issued by the Unique Identity Authority of India (UIDAI) is so important. It acts as a vital identity by giving all of a person’s biometric and demographic data, which reduces the possibility of fraudulent activities.

FAQs.