How to link Aadhaar card with mutual funds

Individuals can easily link Aadhaar card with mutual funds online via the website of RTAs such as CAMS and KFin Technologies Limited. Here is a step-by-step guide.
How to link Aadhaar card with mutual funds
3 min

Mutual fund investors are required by law (amendment to the PMLA Rules) as of 2017 to link their investments to their Aadhaar cards. Asset management companies (AMCs) link investors to the appropriate mutual funds once they supply their Aadhaar numbers, which they then cross-reference with the UIDAI. You can link your mutual funds to Aadhaar in four easy ways: online, offline, via email, or via SMS.

In today's digital age, managing finances efficiently is crucial, and linking your Aadhaar card with mutual funds has become an integral part of this process. This article delves into the step-by-step process of linking your Aadhaar card with mutual funds online, exploring its significance and addressing the importance of this linkage. We will also discuss the benefits, legal requirements, and potential challenges associated with this process, providing a comprehensive guide to ensure your investments are secure and compliant with regulatory norms.

Is it important to link Aadhaar with mutual funds?

The action is intended to reduce the amount of money that is improperly invested in mutual funds. Everyone must go through the process, even if some may contend that their investing in mutual funds is legitimate and accounted for. To link your Aadhaar with mutual funds, you can choose from a variety of options, making the one-time process easier to complete.

It's a common misconception that investing in mutual funds will become more challenging as formalities increase. Let's examine how you can do this using your preferred method.

How to link an Aadhaar card with mutual funds online?

It is quick and simple to link your Aadhaar Card to your mutual fund account online with companies like CAMS and KFin Technologies Limited.


  • Go to the CAMS page to link your Aadhaar with your MFs.
  • Choose the "Link Your Aadhaar" option from the available "Investor Services".
  • Select if you are an investor who is a Hindu Undivided Family, an individual, or a non-individual (HUF excluded).
  • Enter your PAN details and click "Submit".
  • Once you have entered your details (birthdate, phone number, gender, and Aadhaar number), select "Generate OTP".
  • Key in the OTP and click "Submit”.
  • After your request has been verified and approved, your Aadhaar will be linked to your mutual fund accounts.

2. KFin Technologies, Inc.

  • Step 1: Investors must go to KFin Technologies Limited's official website.
  • Step 2: Next, you must select one of the two available alternatives: "Non-Individuals - Click to Link Aadhaar Card" or "Individuals - Click to Link Aadhaar Card", based on your requirements.
  • Step 3: You need to enter your PAN. An OTP will then be sent to your registered mobile number.
  • Step 4: After entering this OTP, you need to choose which mutual funds you wish to link with your Aadhaar. Afterwards, you must provide your Aadhaar number.
  • Step 5: An additional OTP will be sent. Once you submit this OTP, you can link your Aadhaar with mutual funds.

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How to link an Aadhaar card with mutual funds offline?

There are several ways to link mutual funds with Aadhaar without doing it online. These are listed in the following order:


The Aadhaar update request form must be downloaded from the official portal by those linking through CAMS. After that, they must accurately complete it, sign it, and send it to the closest CAMS office. The individual must also send a self-attested copy of their Aadhaar Card.

2. KFin Technologies, Inc.

The Aadhaar linking form can be downloaded from KFin Technologies Limited's official website by those who have mutual fund portfolios with the company. Individuals can also obtain this form from the office and fill it out correctly. They must submit this form with a self-attested copy of their Aadhaar Card.

3. AMCs

Investors can also opt to link their Aadhaar with mutual funds offline by visiting the offices of the relevant asset management companies. They have to go to the office, get the Aadhaar linking form, fill it out with the necessary details, and turn it in with a self-attested copy of their Aadhaar Card. Prior to the completion of Aadhaar linking, verifications will be conducted.

How to link Aadhaar with mutual funds via e-mail and SMS?

Users can now link their Aadhaar to mutual funds quickly and easily via email and SMS.

1. Making use of SMS

By sending an SMS to +91 9212993399 with the following code: ADRLNK (space) PAN (space) Aadhaar number (space) Y, one can link mutual funds with their Aadhaar number. The letter "Y" to KFin Technologies Limited indicates the investor's consent for the company to finish the authentication procedure and connect Aadhaar to the several mutual funds the investor holds.

2. Through email

By emailing the appropriate AMCs, investors can link mutual funds to their Aadhaar number. When submitting an application through mail, they must include their PAN and Aadhaar number. Once the required checks are completed, the AMC will link the Aadhaar with MFs.

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Benefits of linking Aadhaar card with mutual funds

Linking your Aadhaar with your mutual funds offers numerous advantages. These include the following:

1. Observance of regulations

Linking your Aadhaar to your mutual fund investments has been mandatory since 2017. If you fail to do so, your mutual fund folio may cease to operate.

2. Minimising fund misuse

By mandating Aadhaar linking, the government aims to promote transparency and stop illegal cash from being invested in mutual funds.

3. Simplifying investments

Once your Aadhaar is linked, you can easily make new investments, redeem units, and carry out other transactions without updating your Aadhaar details with each fund company.

4. Faster KYC procedure

You can use the e-KYC option to expedite the KYC procedure by linking your Aadhaar Card.

Also read about: How to do mutual funds KYC in India

5. Hassle-free monitoring of your portfolio

All of the mutual funds you have invested in from different fund houses are combined into one portfolio when your Aadhaar is linked, giving you a single picture of your holdings. This makes managing and tracking your investments easier.

6. Fixing issues related to operations

If you do not link your Aadhaar, you run the danger of your mutual fund folio going dormant. This suggests you won't be able to invest until you link your Aadhaar with mutual funds.

Also read about: How to choose mutual funds

Who should link Aadhaar with mutual funds?

Linking Aadhaar is mandatory for all mutual fund investors, including primary, joint, POA, guardians, guardianship (for minors), and contributors (for children's schemes). Since they are not eligible for Aadhaar, NRIs are exempt from the requirement to link their identifying number with their mutual funds. Moreover, residents of Jammu & Kashmir, Assam, or Meghalaya are exempt from this mandate.

Aadhaar information must be provided by all permitted signatories for non-individual entities, including businesses and partnerships. To invest in mutual funds, Hindu Undivided Families (HUFs) must present their Aadhaar Card and family karta.


Investors should confirm that the same mobile number is linked to both Aadhaar and the fund house before linking Aadhaar with mutual funds. The information on the application form and the Aadhaar Card should also match.

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Frequently asked questions

Can the linking process be done through a mutual fund distributor?
Yes, you can rely on a mutual fund distributor to link your Aadhaar with mutual funds.
How do I update my KYC online for mutual funds?
To update your KYC online for mutual funds, visit the website of your mutual fund, log in to your account, go to the ‘Modify/Update KYC’ page and follow the instructions to complete the KYC update process.
Can I link my Aadhaar card online?
Yes. You can link your Aadhaar with mutual funds online through CAMS or KFin Technologies, Inc.
How can I link my Aadhar card with policy?
To link your Aadhaar card with an insurance policy, visit your insurance provider's website, log in to your account, and follow the instructions to link your Aadhaar card.
Do I need to connect my Aadhaar to every mutual fund separately?
No, you do not need to link your Aadhaar to every mutual fund separately. Once linked with one mutual fund, the same Aadhaar number can be used for all your mutual fund investments.
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Bajaj Finance Limited (“BFL”) is an NBFC offering loans, deposits and third-party wealth management products.

The information contained in this article is for general informational purposes only and does not constitute any financial advice. The content herein has been prepared by BFL on the basis of publicly available information, internal sources and other third-party sources believed to be reliable. However, BFL cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed. 

This information should not be relied upon as the sole basis for any investment decisions. Hence, User is advised to independently exercise diligence by verifying complete information, including by consulting independent financial experts, if any, and the investor shall be the sole owner of the decision taken, if any, about suitability of the same.