Aadhaar Linking to Insurance Policy and Mutual Fund Mandatory and Painless

by Vanshika Kumari Financial Writer

Aadhaar has gained a lot of traction, over the past one year, due to the benefits it offers. It is a must to have document now as the government has taken straight headed decision on making it mandatory for all most all the spheres. Today, every welfare scheme, document and even mobile number should be linked to the Aadhaar card to avail the subsidies and benefits.

Under the prevention of money laundering Second Amendment Rules, 2017 act, which involves statuary force, the government has made it compulsory to link all the financial document to the 12-digit Aadhaar number, with an intent to prevent the rising corruption in the financial segment. Not only that, the seeding will also help to curb unaccounted money that is invested in mutual funds and insurance.

As the deadline is nearing soon, everyone should speed up the Aadhaar linking process be it an insurance or mutual fund. To help you easily seed Aadhaar and the financial documents, listed below are the steps that will guide you through.   

Linking Aadhar number with Insurance Policy online

For all the new and existing insurance holders, IRDAI (Insurance regulatory and development of India) has made the linking mandatory, which otherwise can make your account un-operational. To ease the process, the general, health, motor and life insurers are notifying their account holders to step ahead for the process, as soon as possible.

Online linking of Aadhaar and Insurance policy is easy. Below mentioned are the detailed steps that will help you link Aadhaar with Insurance policy. The steps are segregated for both the registered and non-registered users as the steps are slightly different and can be completed without hassle.

Registered Users Should Follow these Steps to Link Aadhaar and Insurance Policy

  1. Visit the respective insurance company’s customer service portal

  2. Enter the Aadhaar details against each respective box

  3. Cross check all the information once, before submitting

  4. Once you submit, an OTP is sent to your registered mobile  number

  5. Enter the OTP and the Aadhaar number to complete the insurance policy and Aadhaar number linking

The Steps that will Guide Non-Registered Users to complete Insurance Policy with Aadhaar

  1. Visit the online web portal of the insurance company

  2. Click on the Aadhaar linking tab and it gets directed to a new page

  3. Complete filing in the details like PAN, Aadhaar number, date of birth, mobile number, e-mail ID, and policy number carefully

  4. An OTP is forwarded to your Aadhaar registered SIM

  5. Enter the OTP, in the respective box

  6. As soon as you enter the OTP, the Aadhar card and insurance policy gets linked

Link Aadhaar Card with Mutual Funds Online


Mutual fund and 12-digit Aadhaar number linking can be completed by taking help from any of the mutual fund registrars. However, what is most important here is that the phone should be linked to Aadhaar to receive the OTP. Almost every registrar including CAMS (computer age management systems), Karvy, Franklin Templeton and Sundaram BNP Paribas provides tool to ease the online linking process.

With this the mutual fund investors have the option to link Aadhaar and mutual fund folio conveniently. Given below are the steps that can bring ease to a mutual fund holder to complete the seeding process.

Steps to Link Aadhaar and Mutual Funds with CAMS:

Go through the steps before you decide to link your Aadhaar number to the mutual fund by visiting the CAMS website.


  1. There are two ways, one is visiting the CAMS official website that is And, then click on “Investor service” menu to select “Link Your Aadhaar” option displayed on the extreme left end of the page. Another way is directly visiting the website to initiate the seeding process

  2. Next, enter your PAN number correctly

  3. You can select any one of the options and fill in the details accordingly. Options include mobile number/date of birth/ email ID

  4.  Enter the details correctly and hit “Verify” button

  5.  On the new page, enter your Aadhaar number and mobile number. The next step will be to hit the “Generate OTP” tab

  6.  As soon as you receive the OTP,  enter it and click on the “Submit” button

  7.  You will receive a confirmation message from UIDAI when the verification completes


Easy Steps to Complete Mutual Fund-Aadhaar Linking with KARVY:


Karvy’s website, too, offers Aadhaar and mutual fund linking. If Karvy manages your mutual funds, visit the official website to complete the mapping process. Given below are the steps that will enlighten you on how to link Aadhaar and mutual fund.  


  1. Visit Karvy’s official website and click on “Link your Aadhaar” tab

  2. Enter your PAN number and hit “Generate OTP” tab. Here, the vital step is to link Aadhaar and your mobile number to receive the OTP

  3. Enter the OTP and select the mutual fund scheme, which are to be linked

  4. Check on the consent confirmation box

  5. After feeding the 12-digit Aadhaar number, click on the “Submit” button to complete the linking process

  6.  Confirmation message will be received from UIDAI, once the linking completes

Seeding financial documents to Aadhaar is mandatory, so without much delay initiate the process to avoid blocking the accounts, which can waste your valuable time in recovering the account. There is offline mode of linking Aadhaar with Insurance policy and Aadhaar number to mutual fund folios, in case you don’t have internet access.

About Vanshika Kumari Innovator   Financial Writer

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Joined APSense since, August 8th, 2017, From Bhubaneshwar, India.

Created on Dec 27th 2017 01:23. Viewed 177 times.


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