The Aadhaar Enabled Payment System (AEPS) is a revolutionary banking service that allows users to perform basic financial transactions using their Aadhaar number and biometric authentication. But before you can start using AEPS, you need to ensure you have the right documents in place.
In this guide, we’ll break down the documents required for AEPS, why they’re necessary, and how to use them to access seamless banking services.
Understanding AEPS and Its Importance
AEPS is a secure and convenient way to carry out banking transactions without needing a debit card, PIN, or even a smartphone. It relies on Aadhaar-based authentication, making it accessible to millions, especially in rural areas where traditional banking infrastructure may be lacking.
To use AEPS, you must link your Aadhaar number to your bank account and provide the necessary documents for verification.
Key Documents Required for AEPS
To register and use AEPS, you’ll need the following documents:
1. Aadhaar Card (Mandatory)
Your Aadhaar number is the backbone of AEPS. It serves as your identity proof and is used for biometric authentication (fingerprint/iris scan).
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Ensure your Aadhaar details are correct and updated in the UIDAI database.
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If your mobile number is not linked to Aadhaar, visit an Aadhaar Enrollment Center to update it.
2. Bank Account Linked with Aadhaar
Your bank account must be seeded with your Aadhaar number. Here’s how to check:
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Log in to your net banking portal and check the “Aadhaar linking status.”
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Visit your bank branch and submit an Aadhaar linking request if not already done.
3. Registered Mobile Number
A mobile number linked with both Aadhaar and your bank account is essential for OTP verification and transaction alerts.
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If your number isn’t linked, update it via:
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Bank branch
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Net banking
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ATM (some banks allow Aadhaar updates via ATM)
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4. Bank Passbook or Account Details
While not always mandatory, having your bank passbook or account details helps verify your account information during AEPS registration.
5. Biometric Data (Fingerprint/Iris Scan)
Since AEPS relies on biometric authentication, your fingerprints and iris details must be correctly stored in the UIDAI database. If there are issues (e.g., fingerprint mismatch), visit an Aadhaar Enrollment Center for re-enrollment.
How to Register for AEPS?
Once you have the documents required for AEPS, follow these steps:
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Visit a Banking Correspondent (BC) or Micro ATM – These are AEPS service providers in local areas.
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Provide Your Aadhaar Number – The agent will enter it into the AEPS machine.
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Select Your Bank – Choose the bank where your Aadhaar-linked account is held.
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Authenticate via Biometrics – Place your finger on the scanner for verification.
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Complete the Transaction – Once verified, you can withdraw cash, check balance, or transfer funds.
Common Issues and Solutions
| Issue | Solution |
|---|---|
| Aadhaar not linked to bank account | Visit your bank branch or use net banking to link it. |
| Biometric authentication failure | Re-register fingerprints at an Aadhaar center. |
| Mobile number not updated | Update via bank branch or UIDAI portal. |
| Incorrect Aadhaar details | Correct them at uidai.gov.in or an enrollment center. |
Frequently Asked Questions (FAQs)
1. Can I use AEPS without an Aadhaar card?
No, AEPS is entirely Aadhaar-based, so you must have a valid Aadhaar number linked to your bank account.
2. What if my fingerprints don’t work for AEPS?
If biometric authentication fails, visit an Aadhaar Enrollment Center to update your fingerprints or use an IRIS scan instead.
3. Is AEPS safe for transactions?
Yes, AEPS uses secure biometric authentication, making it safer than OTP or PIN-based transactions.
4. Can I use AEPS at any bank?
Yes, as long as your Aadhaar is linked to your bank account, you can use AEPS at any authorized micro-ATM or BC outlet.
Conclusion
The documents required for AEPS are simple but crucial for seamless transactions. By ensuring your Aadhaar is linked to your bank account, your mobile number is updated, and your biometrics are correctly registered, you can enjoy the benefits of cashless banking anytime, anywhere.
AEPS is transforming financial inclusion in India, and with the right documents, you can be part of this digital revolution!
Disclaimer
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