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Open a Bank Account with an Aadhaar-based Account Opening Process

Enhance your digital banking experience with the hassle-free and completely online application process by IDFC FIRST Bank. Now, you can open a bank account with an Aadhaar-based account opening process using your Aadhaar number and original PAN card, eliminating the hassles of visiting the bank branch and going through a lengthy documentation process. The process is simple and quick taking only a few minutes to open a bank account. With innovative and robust online banking services, IDFC FIRST Bank offers you the convenience to access your savings account anytime, anywhere Read More

What’s more? You get one of the best savings account interest rates in the industry and commonly used banking services completely free of charges. IDFC FIRST Bank savings accounts are designed to enhance your savings and have full control over your finances. Read Less

How to open a savings bank account online

Opening a bank account using your Aadhaar number has never been easier!.  IDFC FIRST Bank’s process is quick and straightforward, and you can open an instant savings account using your Aadhaar number with just a few simple taps. Follow this stepwise procedure to open a new IDFC FIRST Bank account with your Aadhaar card.

Step 1

Click here to open an account with IDFC FIRST Bank or download the IDFC FIRST Bank mobile app.

Step 2

Subsequently, enter your mobile number registered with Aadhaar, e-mail ID, PAN number and 12-digit Aadhaar number/16-digit virtual ID

Step 3

Click on Get OTP to Verify your Aadhaar details

Step 4

Enter your personal and professional details in the online form

Step 5

Choose the type of savings account you wish to open

Step 6

Complete your video KYC to remove the transaction restrictions

Step 7

Fund your account online & earn monthly interest credit with attractive interest rates

Steps to be completed after opening your account

Once you open your savings account basis your Aadhaar number, you need to undertake the V-KYC (video KYC) process to have full access to your bank account. Your new IDFC FIRST Bank savings account comes with customised offers, higher interest rates with a monthly interest payout facility, and several other benefits such as discounts on popular brands, Visa privileges, and more. Complete the following steps after opening your bank account with your Aadhaar card and enjoy full control over your savings.  

Step 1

Funding and KYC (Know Your Customer) procedure:  After opening your account, you can fund your account and complete the Video KYC procedure to start monthly interest on your deposits. You can schedule your V-KYC 24*7 as per your convenience.

Step 2

Avail from a bunch of customised offers:  IDFC FIRST Bank offers you a range of customised offers in the next step. You could start benefiting from our amazing offers right away!

Step 3

Check the VKYC section after completing the procedure: The status in the VKYC section changes to “in process” and goes green post approval which takes 4 hours or more

Step 4

Check the funding section after funding your account: The funding section should also appear in green once you have funded your account.

ELIGIBILITY

Who can apply?

To be eligible for an IDFC FIRST Bank savings account, you should be above 18 years of age and belong to one of the following categories:

  • Indian citizens
  • Residents of India

Also, do note that customers need to be physically present in India to open an account.

Documentation

For Digital Bank Account Opening:

  • Aadhaar number
  • Original PAN card

Savings Account Eligibility

Benefits of Opening a Bank Account with Aadhar

Opening a bank account with Aadhaar has following benefits:

Simplifies the verification process.

Simplifies the verification process.

It is quick, secure, and reliable.

It is quick, secure, and reliable.

banking services and facilities without any interruptions

You can use the banking services and facilities without any interruptions after the verification.

OTP verification

The process is secured through OTP verification. The one-time password (OTP) is sent to your registered mobile number to maintain a level of security.

Helps integrate your information with the bank

Helps integrate your information with the bank, thereby offering robust banking security and services.

FREQUENTLY ASKED QUESTIONS

Can I open a bank account without an Aadhaar card?

Yes, you can open a bank account without an Aadhaar card by visiting the branch. However, opening a bank account without an Aadhaar takes time. You must provide Original PAN card along with an Officially Valid Document (OVD) instead of an Aadhaar card if you wish to open a bank account without Aadhaar.

Can I open a bank account without Aadhaar linked mobile number?

Yes, you can open a bank account without Aadhaar linked mobile number by visiting the branch. However, to avail yourself of various government benefits, you may need to link your Aadhaar to your mobile number.

Can I open a bank account with a voter ID?

As per the RBI guidelines, voter ID is an acceptable identity proof for opening a bank account. You can open a bank account using your voter card along with a PAN card and other OVDs. 

What are the documents required to open a bank account digitally?

·  Aadhaar number

·  Original PAN card

For more details –

How to open a savings account?

How is the monthly average balance of my savings account calculated?

Every day, from the 1st to the end of the month, we take the balance in your savings account at the end of the day. We total them all up and divide by the number of days in the month. That’s it!

What are the modes through which one can track their IDFC FIRST Bank savings account?

Being one of the leading banks for savings accounts in India, we offer multiple methods to track your IDFC FIRST Bank Savings Account. Our customers can access mobile banking and net banking, as well as receive their monthly email statements to their registered email IDs.

How does an Aadhaar card simplify the KYC verification process for opening a savings account?

Your Aadhaar card serves as a single, comprehensive identification document for opening a savings account online. With its 12-digit unique number, this card eliminates the need for multiple identity and address proofs. Through the Aadhaar-based e-KYC, the bank can swiftly authenticate customer details electronically, reducing paperwork and processing time.

This streamlined process enhances convenience for customers, enabling a faster account opening process while maintaining stringent security measures. Your Aadhaar card significantly expedites the KYC verification process, making the savings account opening process efficient and hassle-free.

How secure is the process of opening a savings account with an Aadhar card?

The process of opening a savings account with Aadhaar is highly secure. Aadhaar authentication adds an extra layer of security through an OTP authentication. This ensures that only the rightful owner can access and use their Aadhaar details for opening their account. Additionally, stringent data protection measures are in place to safeguard personal information. With these security features, you can stay assured that your identity and financial data are protected throughout the account opening process.

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