How to link Aadhaar number to LIC Policies online?

e_Sahyog _ New Online Facility to resolve Income Tax Returns mismatch issues

IRDAI (Insurance Regulatory and Development Authority of India) has recently made it mandatory for individuals to link existing Insurance policies with Aadhaar (by 31-March-2018), as well as quoting it for buying a new insurance policy (life/non-life insurance). Until now, the linking has been done on a voluntary basis.

So, you need to contact your respective Insurer and get your Aadhaar number linked to your insurance policies at the earliest.

In this post, let us discuss the online procedure to link Aadhaar number with your LIC policies.How to link aadhaar numbre to my lic insurance policy online offline procedure

How to link Aadhaar to LIC policies online?

LIC has recently launched a dedicated online facility to link Aadhaar number to LIC policies. Kindly note that there is no need to login to LIC’s e-services portal to update your Aadhaar number. Below is the online procedure to link Aadhaar and PAN to your existing LIC policy;

  • Kindly visit LIC Portal and click on the banner ‘Link Aadhaar & PAN to LIC Policy’ on the home page.Link aadhaar number pan to lic policy online through lic website pic
  • Once you click on the link, the following message is displayed on the screen. “Keep your Aadhaar Card and PAN card handy along with the list of policies.” Click on ‘Proceed’.lic policy aadhaar seeding process online instructions details Mobile OTP SMS email
  • You need to provide your full name (as per aadhaar), Date of birth, Aadhaar number, email-ID, PAN, Mobile number (which is linked to your Aadhaar) & provide your LIC policy number in the respective field and click on ‘Add Policy‘.(In case, you have multiple LIC policies, you can add all of them in one go.)Provide personal details to link aadhaar card number to lic policies online add policy number
  • Enter captcha code and click on ‘Get OTP’ button. An OTP will be sent to your mobile number.
  • You can cross-check the details provided by you and enter the OTP that you have received.
  • After submitting the online linking request, you will get the below message. lic policy link to aadhaar successful message
  • You will receive a confirmation SMS/E-mail about the ‘linking’ status after few days.

Currently, LIC is providing the linking facility through online mode only. Linking of aadhaar through other modes like SMS/IVR has not yet been launched.LIC's notice to policyholders on Aadhaar linking through SMS mode

If you are unable to link your LIC policies online for any reason, you can now get the linking done through offline mode. Download Aadhaar/PAN linking mandate from the LIC portal, provide your policy numbers in the form, sign it and submit it at your nearest LIC branch.

  • Click on ‘Download Aadhaar/PAN mandate – if not able to link online‘ banner, which is available on LIC website home-page.Unable to link LIC policies to aadhaar online OTP error download mandate for linking aadhaar pan offline
  • Click on the below image to download the mandate form.LIC aadhaar pan linking mandate form for offline linking

In case, you are buying a new LIC Policy, your Aadhaar and PAN details are collected in the proposal form itself. LIC will complete the Aadhaar linking process before issuing the new policy to you.

As per IRDA, for the existing policies Aadhaar can be seeded at the time of renewal premium payment.

If there is any data mismatch between Aadhaar and your LIC policy (like name/DoB), whether LIC is going to disapprove the linking process, we may have to wait for few more days to know more on this!

Latest News (13-Mar-2018) : The Supreme Court has extended the March 31 deadline for Aadhaar linkages (except for Govt Subsidies & Welfare schemes) till the constitution bench delivers judgement on the matter. 

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(Post published on : 25-November-2017)

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  • RAHUL YADAV says:


  • Vk says:

    Sir, My wife is having a policy. She have Aadhar but does not have Pan card. What should I do? Can I submit my Pan no in her policy?

    • Dear VK,
      Kindly do not link your PAN number to your wife’s insurance policy.
      In case she does have a PAN card, she has to submit completed and signed ‘Form 60’ to LIC, besides her Aadhaar number.
      You may kindly visit the nearest LIC branch office and get this done.

  • Arpit Jain says:

    Dear sir, I have two policies and I linked them online in one go 2 months ago.. one policy has exact name nd I received verification message as well.. second policy has name as “my first name s/o father first name surname”. I didnt face problem in online link but no verification message received.. is it an issue? Please suggest if there is any option to confirm online.. thanks.

  • avinsh kumar says:

    my father have 1 policy and the d.o.b mentioned in policy is different in aadhar as well as pan while d.o.b in pan & aadhar is same so what can i do.

  • Shamsher Khan says:

    I have 2 LIC Policies, One my, second my wife. She doesn’t have phone number so I used my phone number to register her online services and when I am trying to register to my LIC online logins. It gives me error as this number is registered to different user, please try another phone number.

    Please suggest.

  • Anand Kumar Oberoi says:

    I have link my aadhar and pan to my self policies but i don’t recevied any conformation from LIC, Also i have a group insurance policy from LIC,how can i link my aadhar and pan to this group insurance policy because its has many people.

    • Dear Anand,
      I believe that LIC has not yet sent the confirmation email(s) to the policyholders. Let’s wait (or) you may call to them and check if the Aadhaar details have been updated or not.
      I am not sure on Group policies. Kindly contact LIC.

  • Shyam says:

    Dear All, pls guide how to link Aadhaar for minor Lic policy without Pan.

    • Dear Shyam,
      The policy can be updated with PAN card details of Guardian/Parent.
      Do note that a minor can get a PAN card (if required). A minor cannot apply for PAN card herself directly. Parents, guardians or a representative assessee can apply on her behalf.

      • Sugavanam says:

        Dear Mr.Sreekanth Reddy,

        As for as Minor, the online submission is not accepting the Parent PAN no. Please see the error details.
        Details keyed-in do not match with our records. Please retry for the following policies with correct details- [702993410] OR Contact nearby Branch Office with a self-attested copy of your Aadhaar Card and PAN Card.

  • dyuti prasad adhikary says:

    dear sir,
    how to link aadhar with LIC policy when there is no pan card?
    actually I am talking about a minor policy.

    • Dear dyuti .. The policy can be updated with PAN card details of Guardian/Parent.
      Do note that a minor can get a PAN card (if required). A minor cannot apply for PAN card herself directly. Parents, guardians or a representative assessee can apply on her behalf.

  • Venkataraman says:

    My daughter lives in USA and has taken citizenship. She took a LIC policy in the year 2000 when she was in India.
    She cannot apply for Aadhar. But she has a PAN card for Income Tax purposes.Now LIC wants Aadhar & Pan to be linked to Policy. What is the solution.

  • G.Srinivasan says:

    Sir In My Policy It Is Showing E-KYC Data Updated Successfully.It Means That Aadhar And Pan Linking Complete

  • Sarita says:

    How can one link the Aadhar to LIC pension policy? I receive a monthly annuity from the LIC group scheme that my office had. I retired a few years ago. The annuity number is very long. The LIC portal doesn’t seem to have any facility for aadhar link . Thanks.

  • Y. Srinivasa Rao says:

    I have been link my LIC policies to my wife Adhar number by mistake.How this has to corrected?

  • RK BHUWALKA says:

    Dear Reddy

    As per the latest Press release, it is stated that Aadhaar has to be linked with Insurance Policies by 31st December 2017. Since there is no clear clarification, have we to link Mediclaim, Vehicles etc. Policies also and if so how to do the linking?

    Awaiting for your immediate response.


    RK Bhuwalka

    • Dear Mr.BHUWALKA,
      The date to link bank accounts, insurance policies,MF investments etc has now been extended till 31st March,2018.
      Kindly visit respective insurer website and check if they have provided the linking facility or not.
      For ex: In my case, I have mediclaim policy with Star health. They have provided online linking facility on their portal and I have successfully linked my health insurance policy with Aadhaar/PAN.
      Same is the case with ICICI Lombard (for my bike motor insurance).

  • Seetha says:

    Thanks Much for the article!

    I’m facing this issue – can you help me out please

    After filling all the details in the “LIC seeding app” and clicking “send OTP”, it says “OTP has been sent successfully” BUT I DONT RECEIVE ANY OTP – NEITHER PHONE NOR EMAIL

    The phone number and email are 100% as in Aadhaar – i have used the same for linking aadhaar with other things – only LIC seems to be stuck for me…

    Any help would be much appreciated

    • Dear Seetha ..I am not sure what could be the reason, as the linking process is smooth for most of the investors.
      You may try the linking during off-peak time and through a different web-browser.

  • ashish Daga says:

    If minor doesn’t have an Aadhar an policy is in her name, whose aadhar should be linked. Because premium is paid by parent.

  • Ranjit Pandit says:

    Hi Sir,

    How to update Only Aadhar number to Policy.We have only Aadhar card no Pan card

  • N K JAIN says:


    Can you please guide me for linking Aadhaar with LICI policies in the following two cases:

    (1) Where the Life Assured is a Minor and does not have PAN. There is no provision in LICI’s online linking facility to upload the Guradian’ PAN.

    (2) In case of Jointly held policies, where both the LA have Aadhaar but only one LA has PAN.


    • Dear Mr Jain,
      1 – I believe that guardian’s PAN and aadhaar can be provided.
      2 – I am not sure on this, you my kindly check with LIC.
      In case, you get the info, kindly share it here, can be useful to all of us! Thank you!

  • VIVEK KUMAR says:


  • Vikram Jain says:

    How to link Aadhar card with LIC policy of minor? Aadhar card should be linked of minor or the guardian?
    Second case, policy on the name of minor but now the policy holder is no more minor. Now aadhar card should be given of the policy holder or Guardian?

  • Shivam says:

    Usefull data for every one
    thanks sir

  • RK BHUWALKA says:

    Dear Sreekanth

    Thanks for your immediate response.

    Can I know how to view, online / offline, whether my Mutual Funds have been linked with Aadhaar successfully?


    RK Bhuwalka

  • Rohan says:

    Hi Sreekanth,

    Thanks for such a helpful article.
    I have a question similar to Mr. Prakash Parekh above. I am an NRI and had bought some LIC policies when I was a resident in India. However, I do not have Aadhar card since I became an NRI long before Aadhar card was introduced.
    What can I do to still keep my LIC policies? Is there any way to request LIC to keep my policies by declaring to them that I am an NRI? If yes, then can you please guide me how to go about it?


  • RK BHUWALKA says:

    Dear Reddy

    Your all articles are very informative and useful as usual. Can you write on ‘HOW TO LINK AADHAAR WITH MEDICLAIM / HEALTH INSURANCE’.


    RK Bhuwalka

    • Dear Mr BHUWALKA,
      As of now, most of the general insurers have not yet provided online linking facility.
      As and when the facility is available in respective insurer websites, the policyholder(s) can update/link aadhaar to policies.

  • S.K.Sen says:

    My 78 year old sister has no mobile. She has 2 LIC policies from which she gets a little pension. She is bedridden and her fingerprints do not match with ADHAAR records. The local unit of Adhaar, a private company, is insisting on matching her biometrics at their office. As per the format for linking LIC policy, her mobile no. as per Adhaar record, is required to be given for linking. I am at a loss as to what I can do. Please help me.

  • Akshara S N says:

    Dear sir,

    I have two policies, out of which one policy got added. The other is not getting added and it is showing gender mismatch. What should I do? Plz help


  • divakar says:

    hi sreekanth,
    will u pl tell me how to link PLI to aadhar

  • S.K.Sen says:

    Dear Srikant, my 78 year old sister has been getting monthly pension from 2 LIC policies. She is bedridden and her fingerprints do not match with ADHAAR biometrics now. Her ADHAAR does not have any mobile no.,as she does not have any mobile. How can her LIC policies be connected to her ADHAAR?

    • Dear Mr Sen,
      Suggest you to update any of her relative’s/your mobile in her Aadhaar card.
      You need to download aadhaar update/correction form and Fill up the form, mentioning that only your phone number needs to be updated.
      As she can not visit Aadhaar centre, you can request for door-step service which is now offered by UIDAI for senior citizens/Physically challenged individuals.
      Kindly visit these links..
      Artile – 1
      Article – 2

  • Abhijit says:

    I like to link Aadhaar to LIC policy but OTP is not coming in my mobile .
    But when I download mAadhaar Apps then OTP is coming. What am I doing now?

  • Rajiv says:

    Dear Sir,

    Thanks for your guidance. I’ve a question, my mom is a family pensioner. She lives with us and since she doesn’t have any personal major expenses, I help her make FD every quarterly of her pension savings in her name in bank via net banking. Since FD interest is very low now. My question is can I legally take her money into my account and invest in much better investment vehicles. If yes, what’s the process?

  • Sudam Das says:

    Is there anything like same for sbi insurance and other . If yes guide me how ?

  • T RAVI KUMAR says:


    Thank for the post. I have LIC policies with my kids name. He has Aadhar but not PAN .

    My kid name is T .Shravan but in policy his name is Thamma Shravan.

    How to proceed to link his policy ?

    Please explain.

    • Dear Ravi,
      You can provide your PAN number or can apply for a fresh PAN (for minor) and then get it updated.
      At the submission level, LIC is now accepting the online updation requests (PAN & aadhaar) though there are name mismatches, need to wait and see if they approve or reject the linking …(we may come to know this in few days..)

  • Hari says:

    Thank you for the post. I have LIC policies with my kids name. He has Aadhar but not PAN as he is 5 yrs old.
    How to proceed to link his policy ?

    Please explain.

    • Dear Hari,
      Suggest you to apply for PAN (for minor child) and update it, to avoid any unforseen consequences in future.
      Only a parent/guardian has to apply for PAN card for a minor child. Once the child turns major (18 years), the PAN card can be updated with latest picture and signature.

  • Aditya says:

    Thanks for this valuable information.

  • Prakash Parekh says:

    Hi Sreekanth,

    Thanks for this post. It is very helpful. I have a weird case. I have LIC policies but am a NRI now. I was a resident when I had purchased my LIC Policies. I also have an aadhar card and PAN card. I got those while I was a resident.
    However my mobile number registered with aadhar is disconnected as I left the country. Now I dont know how to link my aadhar to my LIC policies. Is it possible to link my aadhar to my policies using my parent’s mobile number for OTP. If not then do you know what is the option for a NRI like me.


    • Dear Prakash,
      I believe that your parents can submit a copy of your Aadhaar card to nearest LIC branch / home branch, and get this udpated.
      Else, you can update new mobile number against these policies online and update Aadhaar. (This num can be your parent’s).

      You can also update your number through LIC e-services portal.

      • Prakash Parekh says:

        Thanks Sreekanth for your response. But I believe that online updation of mobile number in Aadhar database is not possible without having the old mobile number handy. In my case my old number which is registered in Aadhar DB is de activated as I became a NRI.

        I did update my aadhar number in LIC e-services portal. Is that good enough for linking aadhar to my policies?


        • Dear Prakash,
          You are correct, if one does not have old mobile numb, the new mobile number can be updated through offline mode only.
          Legally, there is no need for NRIs to update Aadhaar number with bank/MFs/Insurance policies.
          May be, kindly check with your lic agent (if in contact) or with LIC customer care.

          • srj says:

            Actually NRIs are not eligible for getting Aadhaar card. In this case what happens to the Policies bought by an NRI when he / she was a Resident?

          • Dear SRJ.. If your mobile num that is linked to Aadhaar is in active status, suggest you to link the policies.

  • Suriyan K says:

    Sir how create epf employer login .. Plz give me any solution to create employer epf account login.. Show me how to create employer login

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