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How and why to Link Aadhaar to Mutual Funds?

21 Nov 2023

Most small and medium sized investors prefer investing through mutual funds for the diversification benefits and the professional management that it brings along. But did you know that your mutual fund investments must also be mapped to your Aadhar card. This is over and above the KYC that you are anyways required to do under the normal SEBI KYC requirements. With a view to tracking flows and investments, SEBI has made it mandatory to link Aadhar to mutual fund holdings too. How to link Aadhar to mutual funds and is it mandatory to link Aadhar with mutual funds?


The latest Supreme Court judgment has ruled in favour of not linking Aadhar with mutual funds. However, funds may still opt for Aadhar linking as it would help track the colour of the money that is flowing into the market. Here is how to link your Aadhar card to your mutual fund holdings.


How to Link Mutual Funds with Aadhaar Number

How to go about linking your mutual funds with your Aadhaar number is actually quite a simple and straight forward process. You can link the mutual funds either through the online route or the offline route.


Offline Process to map Mutual Fund holdings to Aadhar
The physical KYC (Know Your Client) process followed by the registrars is commonly known as offline mode. The registrars like CAMS and KARVY offer the option of linking Aadhaar and mutual fund folios offline. The process is beneficial for those investors who don’t have an email ID or mobile number mentioned on their mutual fund account. Here are the key steps to link Aadhaar and mutual funds offline:

To begin with, you need to schedule a visit to your registrar’s website and download the KYC form. Fill up the form and see that it is complete in all respects. Don’t forget to mention the folio number and attach a self-attested Aadhaar card.

Now you can submit the form for linking at registrar's office or customer care centre. Most brokers also agree to help you by collecting the forms on your behalf and then they manage to deliver to the registrar office to simplify your task. From that point, the registrar takes over and does the rest of the job.

How to seed Aadhar-mutual funds by registering with the Funds House
If an individual is a new investor or has investment in a single fund house, he can link his Aadhaar with the mutual funds account after making an investment. Below mentioned are some of the easy steps to complete the linking process by registering with funds house.

To begin with you can visit the particular funds house’s website and enter your PAN number as mentioned in the PAN card. Select the option that reads, “You are not KYC compliant”. Enter the mobile number that is registered with Aadhaar number and fill all the other details carefully to complete the steps.

The Aadhaar and mutual funds seeding can also be done via SMS facility. You need to correctly type “ADRLNK” on your mobile phone’s keypad and send the typed message to the designated number. Registrars like Karvy and CAMS have different numbers for this purpose.

On completing the procedure, you will receive a confirmation message. Remember to type “Y” in the typed message for your consent to link the 12–digit UIN to all the mutual funds serviced through a particular registrar.

Linking your Aadhar to Mutual Funds via Online

Online Aadhaar number and mutual funds linking is easy, but ensure that the phone number registered with Aadhar is operational to receive one time password (OTP) message. Without the OTP, you really cannot proceed further. Mutual fund holders also have the flexibility to complete the linking process with mutual fund registrars and not visit each fund house individually.


Registrars normally set up dedicated desks for their investors. Leading registrars such as CAMS, Karvy, Franklin Templeton and Sundaram BNP Paribas allow customers to link their Aadhar with mutual funds online. Investors can visit the website of the registrar that services their mutual funds product and complete the logical mapping process.

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