The government has implemented recently several important rule changes related to Aadhaar, which have directly impacted people and their financial services such as banking activities, small savings schemes and other money rules. If you haven’t noticed yet, now is the time to check the status of your Aadhaar updates and linkages, as new fees and KYC rules might impact your pocket also.
Major recent Aadhaar rule changes impacting financial services
- Aadhaar update fees increased
Aadhaar update fees have been revised. Effective October 1, 2025, the UIDAI (Unique Identification Authority of India) has implemented changes in rates for updating name, address or biometrics.
New Aadhaar update fees (from Oct 1, 2025)
Demographic updates (Rs 75): For changes in name, address, date of birth, mobile number, or email. (Earlier, it was Rs 50.)
Biometric updates (Rs 125): For fingerprint, iris, or photo updates. (Earlier, it was Rs 100.)
Mandatory biometric updates for children: Free for children aged 5–7 years and 15–17 years, as these are one-time updates.
Biometric updates for children aged 7–15 years: Free till September 30, 2026, to encourage timely updates.
Document updates: Rs 75 at enrolment centres, but free online till June 14, 2026.
Aadhaar reprint: Rs 40.
Home enrolment service: Rs 700 for the first person and Rs 350 for each additional person at the same address.
- PAN-Aadhaar linking
The second major change concerns PAN-Aadhaar linking. The government has maintained that those who do not link their PAN and Aadhaar will have their PAN inoperative.
This means that such users might face problems while investing in mutual funds, opening a Demat account, or invesing in tax-saving instruments.
Many people have faced this issue — their investment redemptions and mutual fund transactions were paused due to inactive PAN. So, linking PAN-Aadhaar on time is crucial for seamless financial transactions.
- Aadhaar e-KYC becomes simpler and safer
The third big change is around Aadhaar e-KYC. UIDAI and NPCI have launched new features like offline Aadhaar KYC and Aadhaar e-KYC Setu.
Now, banks and NBFCs can identify customers without accessing their full Aadhaar number. This will improve data privacy and make account opening faster and easier.
- Aadhaar validation norms
UIDAI has also tightened Aadhaar validation rules. As per the new guidelines, financial institutions can perform Aadhaar-based KYC only if the Aadhaar number is active and non-duplicate.
If your Aadhaar is found to be invalid or duplicated, your bank account opening or investment process could be stopped. Therefore, UIDAI has advised users to regularly check their Aadhaar status on its official website or mAadhaar app.
Upcoming Aadhaar rule changes
Now let’s talk about the Aadhaar rule changes that will come soon and impact your financial life.
First, AePS (Aadhaar Enabled Payment System) rules are being tightened. The RBI has issued new fraud monitoring and KYC verification rules for banks and business correspondents, effective January 1, 2026. This means that Aadhaar-based cash withdrawal or deposit services may become more expensive or limited in rural areas or small towns. While this will reduce fraud cases, some users may face access issues.
The second major change involves the expansion of Aadhaar-based services in small savings schemes. Accounts like Post Office RD, PPF, and NSC can now be opened using Aadhaar e-KYC. This will benefit customers with paperless onboarding and save time. However, if Aadhaar is not linked or is outdated, your deposit or withdrawal may be blocked.
Third, UIDAI is working to simplify the offline KYC framework. In the coming months, you’ll simply need to show your Aadhaar secure QR code or masked ID at the bank or investment platform, ensuring personal information remains secure. This will be a major relief for fintech users and digital investors.
Why these Aadhaar changes matter for your finances
All these changes will directly impact your bank account, mutual funds, PPF, insurance policies, and small savings deposits. If you fail to update your Aadhaar or link your PAN-Aadhaar on time, you may face interest losses, transaction delays, or KYC rejections.
The government’s aim is to increase financial inclusion and reduce fraud, but at the same time, the average investor will now have to spend some time and money on identity maintenance.
What you should do now (action points for readers)
Check your Aadhaar status and update date by visiting the UIDAI website or mAadhaar app.
Check the PAN-Aadhaar linking status on the Income Tax portal.
Update your Aadhaar information in your bank or investment account to avoid any mismatches.
If you’re a rural saver, visit your co-operative bank or Aadhaar Seva Kendra to learn about AePS changes.
And most importantly, keep updating your Aadhaar-based KYC documents regularly to avoid any financial transactions.