Aadhaar PAN Linking New Rules 2025: From Fee Hike to AePS, Everything You Need to Know
Aadhaar Rules 2025: The Unique Identification Authority of India (UIDAI) has announced several new Aadhaar rules and guidelines for 2025, impacting crores of users across India. Over the past year, UIDAI has been working to simplify and digitise Aadhaar services, and these new rules aim to make Aadhaar correction and verification faster, paperless, and more convenient.
These changes are set to significantly impact financial services such as banking activities, small savings schemes, and other money-related rules. It is crucial to understand these new regulations to ensure your financial transactions remain smooth.
Major Changes and Their Impact
Here are some of the major recent Aadhaar rule changes that will affect your financial services.
1. Aadhaar Update Fees Increased
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Join on TelegramOne of the most significant updates is the revision of Aadhaar update fees. Effective October 1, 2025, users updating details like their name, address, or biometrics will have to pay new prescribed charges.
| Service | New Fees (from Oct 1, 2025) |
|---|---|
| Demographic Updates (Name, Address, DoB, Mobile, Email) | ₹75 (Earlier, it was ₹50) |
| Biometric Updates (Fingerprint, Iris, Photo) | ₹125 (Earlier, it was ₹100) |
| Mandatory Biometric Updates for Children (Aged 5-7 & 15-17) | Free |
| Document Updates (at Enrolment Centres) | ₹75 (Free online till June 14, 2026) |
| Aadhaar Reprint | ₹40 |
| Home Enrolment Service | ₹700 (for the first person) + ₹350 (for each additional person) |
2. Mandatory PAN-Aadhaar Linking
The government has made it mandatory for all PAN holders to link their PAN with Aadhaar. As per the latest guidelines, the deadline is December 31, 2025. Failing to do so will render the PAN inactive from January 1, 2026. This can cause problems while investing in mutual funds, opening a Demat account, or investing in tax-saving instruments.
3. Simpler and Safer 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 the account opening process faster and easier.
Upcoming Aadhaar Rule Changes
A few more changes are on the horizon that will impact your financial life:
- AePS Rules: From January 1, 2026, the RBI has issued new fraud monitoring and KYC verification rules for the Aadhaar Enabled Payment System (AePS). This might make Aadhaar-based cash withdrawal or deposit services more expensive or limited in rural areas.
- Small Savings Schemes: Accounts like Post Office RD, PPF, and NSC can now be opened using Aadhaar e-KYC, enabling paperless onboarding.
- Offline KYC: UIDAI is working to simplify the offline KYC framework, where you will only need to show your Aadhaar secure QR code or masked ID for verification.
What You Should Do Now
To adapt to these changes, here are some actionable steps for you:
- Check Aadhaar Status: Visit the UIDAI website or use the mAadhaar app to check your Aadhaar status and update date.
- Link PAN-Aadhaar: Verify your PAN-Aadhaar linking status on the Income Tax portal.
- Update Information: Ensure your Aadhaar information is updated in your bank and investment accounts to avoid any mismatches.
- Stay Informed: If you are a rural saver, visit your co-operative bank or Aadhaar Seva Kendra to learn about the upcoming AePS changes.
Failure to comply with these rules could lead to interest losses, transaction delays, or KYC rejections. Therefore, updating and linking your Aadhaar on time is crucial.
