Aadhaar-based authentication has become a mandatory backbone of India’s digital healthcare and welfare system. Health schemes now require Aadhaar seeding (linking Aadhaar to beneficiary databases) and eKYC (digital identity verification via OTP or biometrics) to activate benefits such as cashless hospital admission and DBT-linked medical payments. Aadhaar seeding ensures correct beneficiary identification, while eKYC validates that the person claiming the benefit is authentic, reducing errors, fraud, and payment failures.
Where Aadhaar Seeding Is Required
Beneficiaries may need to link Aadhaar to:
- Ayushman Bharat PM-JAY beneficiary profile
- State government health insurance cards
- Ration card databases used for state health schemes
- Bank accounts receiving DBT health payments
- NPCI Aadhaar Payment Bridge (for DBT routing)
- Hospital admission authentication systems
- CSC digital health enrollment and verification points
Primary Government Portals for Aadhaar Seeding & eKYC
All Aadhaar linking and verification must be done through official sources only:
- UIDAI Aadhaar Services & Updates: https://uidai.gov.in
- PM-JAY Beneficiary Login & eKYC Verification: https://beneficiary.nha.gov.in
- PM-JAY Empaneled Hospital Directory: https://hospitals.pmjay.gov.in
- State Health Agencies (SHA) Directory: https://nha.gov.in/state-health-agencies
- Common Service Center (CSC) Digital Seva Network: https://csc.gov.in
- DBT Bharat Mission Portal: https://dbtbharat.gov.in
- NPCI Aadhaar Payment System Framework: https://www.npci.org.in/what-we-do/aeps/product-overview
How to Complete eKYC for Ayushman Bharat PM-JAY Online
- Open: https://beneficiary.nha.gov.in
- Login using mobile number + OTP
- Select your name from the beneficiary list
- Click on Verify via Aadhaar eKYC
- Enter Aadhaar number and authenticate via OTP
- Download your Ayushman card once verified
How to Link Aadhaar to State Health Cards Online
The steps may vary by state, but the standard digital process is:
- Visit your state health scheme portal (linked in the WP menu under State Health Cards)
- Login using Mobile OTP / Ration Card / Scheme ID
- Select Aadhaar Seeding / Update Aadhaar / eKYC option
- Enter Aadhaar details for the beneficiary
- Authenticate via OTP or biometric KYC (if prompted)
- Save and download the updated health card PDF
Aadhaar–Bank–NPCI Mapping for DBT Health Payments
For DBT medical benefit transfers, the following must be active:
- Aadhaar linked to your bank account
- Aadhaar mapped under NPCI Aadhaar Payment Bridge
- Bank account must be KYC verified
- Name and DOB must match Aadhaar exactly
- Mobile number must be active for OTP
You can learn more about DBT routing framework via NPCI here:
https://www.npci.org.in/what-we-do/aeps/product-overview
How to Link Aadhaar to Bank Account for DBT
Offline method
- Visit your bank branch
- Submit Aadhaar copy and request Aadhaar seeding for DBT
- Update bank KYC if required
Online method (if supported)
- Login to mobile/internet banking
- Go to Aadhaar Update / DBT Linking / Service Requests
- Authenticate via OTP and save
After linking, ensure your Aadhaar is mapped under NPCI routing:
https://www.npci.org.in/what-we-do/aeps/product-overview
How to Update Aadhaar Details if eKYC Fails
Common reasons:
- Name spelling mismatch
- Old or inactive mobile number
- Wrong DOB in bank or scheme records
- Aadhaar demographic details outdated
Fix it on the official UIDAI portal:
https://uidai.gov.in
Hospital-Level Aadhaar Authentication for Cashless Admission
Hospitals may verify your identity using:
- Ayushman Card QR Code
- Aadhaar OTP authentication
- PM-JAY ID or Ration Card lookup in BIS
- State Health Card validation (if dual empaneled)
Always verify hospital empanelment first:
https://hospitals.pmjay.gov.in
Beneficiary authentication system:
https://beneficiary.nha.gov.in
CSC Assisted Aadhaar eKYC Support
If you are unable to complete Aadhaar seeding or eKYC online, visit the nearest government-approved center:
- Common Service Centers: https://csc.gov.in
- Ayushman Mitra desks at hospitals
- State health enrollment camps via SHA
Common Aadhaar Seeding & DBT Issues and Fixes
| Issue | Resolution |
|---|---|
| eKYC OTP not received | Update mobile number on UIDAI or use biometric at CSC |
| Name mismatch | Correct Aadhaar details or bank KYC spelling |
| DBT payment failed | Activate Aadhaar–Bank–NPCI mapping via bank |
| Aadhaar not linked to bank | Submit request at bank branch or banking app |
| Hospital not verifying card | Confirm empanelment via official directory |
| Beneficiary name missing | Re-check ration or SHA beneficiary list |
Additional Government References for Support & Grievances
- National Health Authority (NHA): https://nha.gov.in
- State Health Agency Support: https://nha.gov.in/state-health-agencies
- DBT Bharat Portal: https://dbtbharat.gov.in
- CSC Support Network: https://csc.gov.in