Aadhaar is a unique identification number issued by the Government of India to record an individual’s details in a database. Indians over 123 crore already have e-Aadhaar numbers assigned to them. This allows India’s Unique Identification Authority (UDAI) to monitor citizens’ financial activities to plan public welfare and security costs.

Aadhaar vs e-Aadhaar


Aadhaar represents a hard copy of a document containing all personal information, such as:

  • name

  • date of birth

  • 12 digit Aadhaar number

  • Address, etc.


On the other hand, e-Aadhaar is a digital copy of the Aadhaar card that can be downloaded from UDAI’s official website.

To do this, you need to go to the official website and enter your 12-digit Aadhaar number and one-time password (OTP) sent to your registered mobile phone number.

You can easily use the e-Aadhaar download function provided by UIDAI by following these steps:

Step 1: Go to the official UIDAI website.

Step 2: Go to the’My Aadhaar’ option and click on’Download Aadhaar’.

Step 3: Enter your Aadhaar number/Registration ID/Virtual ID.

Step 4: The OTP will be sent to your registered mobile number and you will need to enter it to download.

One of the benefits of e-Aadhaar is that it is an acceptable form of identification that you can carry with you as a digital version. It’s also a password-protected file, so it’s safe. This prevents your personal information from getting into the hands of wrong people who could misuse it.

You have easy access to a 12-digit number that can be useful when applying for a personal loan.

There are several advantages to having an Aadhaar card in your name.

1. Identification card

Aadhaar is the most common form of identification available in India. Acceptable age and proof of address. It is also an important item you need during financial transactions. For example, it is an important document for applying for a personal loan.

2. Subsidy

The government has several grant programs such as PAHAL (DBTL), Public Distribution System (PDS), and National Child Labor Project. However, these grants are not available unless a valid Aadhaar or e-Aadhaar is provided as proof of identity.

3. KYC authentication

Several organizations need to create Aadhaar cards for KYC verification. These organizations also include financial institutions that provide loans.

Various NBFCs such as Bajaj Finserv offer instant loans for several KYC documents such as Aadhaar.

4. Employee’s reserve account

You must link your Aadhaar card with your EPF account according to the RBI instructions. It makes the speed with which you can transfer or withdraw funds from your account.

5. Fan

According to the Supreme Court ruling, you must follow the Aadhar PAN link to file your income tax return. The PAN card is a must-have document if you want to check your CIBIL score on a personal loan.

Aadhaar or e-Aadhaar is required for the above services, but the government has ruled out requirements for others, such as buying a new SIM or appearing on the national entrance exams and entrance exams.

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