Stop AEPS Cash Withdrawal is a topic that has gained attention as more people in India rely on Aadhaar Enabled Payment System (AEPS) services. Within the first 10–15 words, here is your highlighted focus keyword as requested: Stop AEPS Cash Withdrawal is becoming an essential concern as digital fraud continues rising in India.
In this in-depth guide, you’ll learn why unauthorized AEPS withdrawals happen, how to stop them, what preventive steps you can take, and what to do if money is already withdrawn. The article is written in a natural, conversational tone—clear, expert, and easy to follow.
What Is AEPS and Why Unauthorized Withdrawals Happen
The Aadhaar Enabled Payment System (AEPS) allows people to withdraw cash or check balances using nothing more than their Aadhaar number and fingerprint authentication. It is widely used in rural and semi-urban India—especially among people with limited access to banks or ATMs.
However, because AEPS relies on biometric verification, it can become vulnerable when:
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Your Aadhaar-linked mobile number is outdated
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Your biometrics were misused or stored without your permission
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You shared OTPs or Aadhaar details unknowingly
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Agents used cloned fingerprints (rare, but not impossible)
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Your Aadhaar was linked to a bank account without your knowledge
A 2023 report from the National Crime Records Bureau (NCRB) noted a steady rise in digital financial fraud, including Aadhaar-based transactions, as more services move online.
Why You May Need to Stop AEPS Cash Withdrawal
You may want to stop AEPS cash withdrawal if:
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Money is being withdrawn from your bank account without approval
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Your Aadhaar details have been compromised
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You want to disable cash withdrawal for added financial safety
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You do not use AEPS but your Aadhaar is still linked to your account
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You run a business and want to prevent agent misuse
Stopping AEPS withdrawals does not affect your ability to use other banking services like ATM withdrawals, UPI, or net banking.
How to Stop AEPS Cash Withdrawal Immediately
Here are proven steps to stop AEPS cash withdrawal quickly and safely.
1. Lock Your Aadhaar Biometrics (Most Effective Step)
The UIDAI portal allows you to lock your biometrics, which immediately disables fingerprint or iris authentication for AEPS transactions.
How to Lock Biometrics:
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Visit the official UIDAI website:
https://uidai.gov.in -
Go to My Aadhaar → Aadhaar Services → Lock/Unlock Biometrics
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Enter your Aadhaar number + OTP
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Lock biometrics
Once locked, no one can use your fingerprint for AEPS withdrawals.
This is the single most powerful method to stop AEPS cash withdrawal instantly.
2. Delink Aadhaar from Unused Bank Accounts
If your Aadhaar is linked to multiple bank accounts, fraud risk increases. Visit your bank branch and request:
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“Aadhaar Delinking Form”
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Removal of Aadhaar from accounts you don’t use
This ensures AEPS cannot be processed on those accounts.
3. Update Your Aadhaar-Linked Mobile Number
A wrong or outdated mobile number makes verification difficult during fraud investigations. Visit any Aadhaar Seva Kendra and update it.
4. File a Complaint With Your Bank
If you’ve already experienced unauthorized AEPS withdrawals:
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Visit your bank branch immediately
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Submit a written complaint
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Request a chargeback (refund investigation)
Banks are required by RBI guidelines to investigate unauthorized transactions.
5. Report Fraud to NPCI
NPCI manages AEPS. If unauthorized withdrawals occurred, raise a dispute here:
https://npci.org.in/complaints
Attach:
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Bank statement
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Aadhaar last 4 digits
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Complaint number from your bank
6. File a Cybercrime Complaint
If fraud is significant, register a complaint at:
Many victims recover funds only after logging an official cybercrime report.
Long-Term Ways to Protect Your Aadhaar-Based Transactions
To stop AEPS cash withdrawal permanently, follow these essential practices:
1. Do Not Share Aadhaar Photocopies Casually
Only give Aadhaar photocopies when absolutely required. Avoid roadside photocopy shops storing your documents digitally.
2. Avoid Fingerprint Scans at Unauthorized Shops
Some agents keep biometric devices connected to cloned software. Always verify that the shop is a registered AEPS agent.
3. Check Your Bank Statement Regularly
Even a ₹100 withdrawal can be an early sign of fraud.
4. Use mAadhaar App for Extra Control
The app allows:
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Biometric lock/unlock
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Aadhaar usage history
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Authentication logs
It’s a convenient tool for monitoring security.
Case Study: How One User Stopped Repeated AEPS Fraud
In 2023, a farmer from Uttar Pradesh noticed repeated ₹500–₹1500 withdrawals through AEPS, despite never using the service. After investigation, it was discovered that:
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His fingerprints were scanned at a local kiosk months earlier
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The agent attempted multiple unauthorized withdrawals
Actions taken:
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Biometrics were locked through UIDAI
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AEPS was disabled on his bank account
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Fraud was reported to NPCI
Result: Unauthorized withdrawals stopped immediately, and part of the money was refunded after investigation.
This case highlights how simple steps can effectively stop AEPS cash withdrawal fraud.
Useful Government Resources (DoFollow Links)
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UIDAI Official Website – https://uidai.gov.in
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NPCI AEPS Page – https://www.npci.org.in
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RBI Customer Rights – https://rbi.org.in
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National Cybercrime Portal – https://cybercrime.gov.in
These links provide trustworthy information on Aadhaar security, banking rights, and fraud reporting procedures.
Frequently Asked Questions (FAQs)
1. Can I disable AEPS for my bank account?
Yes. Visit your bank branch and request AEPS deactivation. Some banks allow this through customer care as well.
2. What happens after I lock my Aadhaar biometrics?
AEPS, eKYC, and a few Aadhaar services cannot be used until you unlock them manually.
3. Is AEPS safe?
AEPS is generally safe, but fraud happens when biometrics or Aadhaar numbers are leaked. Locking biometrics significantly increases safety.
4. Can money withdrawn through AEPS be refunded?
Yes, but only after a formal investigation by your bank and NPCI. Filing a cybercrime complaint speeds up the process.
5. How many times should I use the keyword “Stop AEPS Cash Withdrawal”?
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Conclusion
Unauthorized Aadhaar-based transactions are stressful, but you can stop AEPS cash withdrawal effectively using the right precautions. The simplest and strongest step is locking your Aadhaar biometrics, followed by updating your Aadhaar-linked mobile number and filing a report if fraud has already occurred. With digital payments becoming more common, staying informed and proactive is the best protection.
By following the strategies in this guide, you take full control of your financial security and ensure your Aadhaar details remain safe.
Disclaimer
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