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Dussehra 2025 Know About Vijayadashami Festival in India

Dussehra, also called Vijayadashami, is one of the most celebrated festivals in India. It marks the victory of good over evil, symbolised by Lord Rama’s triumph over Ravana in Hindu mythology and Goddess Durga’s victory over Mahishasura. The festival is the culmination of the nine-day Navratri and is celebrated with grand rituals, pujas, effigy burning, processions and dazzling fireworks.

Across the country, Dussehra takes different forms, from attending Ramleela plays in the North to participating in the grand Mysuru Dasara celebrations in the South. Some prefer to decorate their homes, start new investments, or travel to witness cultural traditions.

When Does Dussehra Fall in 2025?

Dussehra falls on the 10^th day of Kartik, as per the Hindu calendar. According to the Gregorian calendar, Dussehra 2025 will be celebrated on 2^ndOctober. This is the perfect time to plan your puja, book tickets, and prepare for activities like attending Ramleela, participating in rituals, and witnessing the spectacular effigy burning ceremonies.

Exciting Ways to Celebrate Dussehra 2025 with Fibe

Dussehra 2025 or Dasara is the perfect time to bond with family, witness iconic rituals like effigy burning and fireworks, enjoy processions and even plan a trip.
Here’s how you can celebrate this special day without worrying about expenses with instant funding from Fibe.

1. Shower Your Loved Ones with Gifts

Dussehra is considered an auspicious day for buying gifts, and many stores run festive offers during Dasara 2025. Whether it’s gold coins, clothes, gadgets, or toys for kids, shopping becomes much more exciting with discounts. With Fibe’s instant personal loan, you can shop freely without stressing about overspending.

2. Go Out with Your Family and Friends

Celebrate your day off by making beautiful memories. You can:

Watch the Ramleela stage performance

Attend local processions and enjoy fireworks

Have a family dinner or feast

Decorate your home for the festival

Take a heritage walk or go sightseeing

With Fibe, you get access to up to ₹5 lakhs, so you can plan without holding back.

3. Spend Your Dussehra Holiday Travelling

Want to witness Dussehra in its full glory? Travel to:

Ramlila Maidan, Delhi – for spectacular effigy burning

Varanasi – for Ramleela by the ghats

Kolkata – for Durga idol immersion processions

Kota, Rajasthan – to explore the Dussehra Mela

Mysuru – for the royal Mysuru Dasara celebrations

Gujarat – to play garba and dandiya during Navratri

With a quick loan from Fibe, you can book tickets, hotels, and transport instantly.

4. Start an Investment

Vijayadashami is considered a shubh muhurat to begin new ventures. You can:

Buy gold or silver

Invest in mutual funds or FDs

Make a down payment for a car or house

Fibe helps you start your investment journey without delay through instant financing.

5. Give Your Home a New Look

Dussehra is the perfect time for a fresh start. You can clean, repaint, redecorate, or even renovate your home before Diwali. A quick loan from Fibe ensures you have the funds to get everything done on time.

How a Fibe Personal Loan Can Help You Celebrate Dussehra 2025?

Festive expenses can quickly add up to your puja arrangements, gifts, travel, shopping and celebrations. Here’s how a Fibe Instant Personal Loan can make Dasara 2025 stress-free:

100% digital application process

Get up to ₹5 lakhs instantly

Flexible repayment options

No pre-closure charges

This way, you can even plan last-minute celebrations or trips without any financial worries.

FAQs on Financing Your Dussehra Holidays

Is Dussehra a holiday celebrated in India?

Yes, Dussehra is celebrated across India with pujas, effigy burning, Ramleela, processions, and fireworks, marking the victory of good over evil.

What is the date of the Dussehra festival in 2025?

Dussehra or Dasara 2025 will be celebrated on 2^nd October.

How many days of holidays are given for Dussehra?

Dussehra marks the end of the 10-day Navratri festival. Your holidays depend on your employer, institution, and state regulations, but celebrations often span multiple days.

Link Aadhaar with a bank account online or offline in 6 easy ways

To link Aadhaar with a bank account, you no longer need to visit banks or your nearest Aadhaar centre. With digitisation, you can apply for various Aadhaar card services right from the comfort of your home. This includes the process of linking your Aadhaar number with your bank account.

Linking your bank account with your Aadhaar card protects your finances and helps avoid the risk of fraudulent activities. Moreover, it can help you verify your identity and access banking services from anywhere. This is a secure process, and you do not have to pay any fees or charges.

Read on to know how to link Aadhaar with a bank account, how to check the status, its benefits and more.

Different methods to link Aadhaar with a bank account

There are various modes through which you can link your Aadhaar card with your bank accounts. You can choose the method that is most convenient for you.

Via Net Banking

Here are the simple steps to link Aadhaar with a bank account through net banking:

Step 1: Log into your net banking account with the customer ID and password
Step 2: Navigate to the link with the ‘Update Aadhaar Card Details’ or ‘Link Your Aadhaar Card’ option
Step 3: Enter your Aadhaar number correctly on the new page
Step 4: Submit the details to generate OTP
Step 5: Enter the OTP to complete the process

Once done, you will receive an SMS confirmation on your registered mobile number.

Also Read: Mobile number link to Aadhar Card online

Via the Bank’s Mobile Banking App

To link Aadhaar with a bank account on a mobile banking app, follow these steps:

Step 1: Log in to your mobile banking app with your customer ID and password
Step 2: Go to the service section under the ‘My Accounts’ tab
Step 3: Select the relevant link where you can update the Aadhaar option
Step 4: Enter your Aadhaar card details and submit

You will get a confirmation upon completion of the process.

At the Bank Branch

If you are not comfortable online or don’t have access to the internet, you can also visit your bank branch to link Aadhaar with the bank account. The banking executive will provide an application form. Fill in your bank and Aadhaar card details. Once you submit this form with a self-attested copy of your Aadhaar card, you will get a confirmation of the link within 24 hours.

At the ATM

Here’s how you can make a seeding request for your Aadhaar with your bank account at an ATM:

Step 1: Insert your card and enter your PIN at your nearest ATM
Step 2: Select the relevant account type as savings or current
Step 3: Choose the option to update or link Aadhaar with the bank account
Step 4: Enter your Aadhaar card details and submit

Via Call with Customer Care

Follow these steps to link your Aadhaar to your account by calling your bank’s customer care.

Step 1: Give a missed call on the bank’s customer care number for Aadhaar card services
Step 2: When you get a callback, select the right options from the IVR
Step 3: Enter your Aadhaar number
Step 4: Select the relevant data and update your Aadhaar details

How to check the status of your UIDAI link with a bank?

There are different approaches to check if your Aadhaar number is linked to your bank account, but the simplest way is through the UIDAI website. For this, you can log in to myAadhaar with your 12-digit Aadhaar number and captcha code. Here, you can find the status of all your bank accounts linked with the Aadhaar number.

Alternatively, the myAadhaar app also allows you to check whether your Aadhaar number is linked to your bank account. You may also dial the UIDAI USSD code from your registered mobile number and follow these steps:

Step 1: Dial *99*99*1# from your UIDAI registered mobile number
Step 2: Enter your Aadhaar card number
Step 3: Re-enter the Aadhaar card number for confirmation
Step 4: Wait for the pop-up text and check the status

Benefits of linking your Aadhaar card with your bank account

Here are a few advantages of linking your Aadhaar number with your bank account:

When you initiate a UIDAI link with a bank, you can avail many benefits from government programs, such as scholarships, MNREGA wages, welfare funds and more.
Aadhaar-linked bank accounts have higher security, which helps protect your account from fraudulent activities and allows you to easily track such transactions.
Simplifies the KYC process for existing customers, helping you avail numerous financial products, such as pre-approved loans, credit cards, etc., effortlessly.
With the interoperable architecture of online AEPS (Aadhaar Enabled Payments Systems), you can access your bank account information using your Aadhaar card from any part of the country.

With these benefits in mind, it is wise that you link Aadhaar with the bank account without further delay. Once done, enjoy easy access to financial services, such as a loan. That said, it is important to meet the eligibility terms set by the lender to get hassle-free approval for financing.

One such lender offering an Instant Personal Loan of up to ₹5 lakhs within minutes is Fibe. Here, you can apply for a loan in just 2 minutes. With no end-use restrictions and affordable interest rates, you can get the required funding without any hassle. Simply download the Personal Loan App or visit our website and register to get started.

FAQs on How to Link Aadhaar with a Bank Account

How can I link my Aadhaar number with my bank account and check the status?

You can link Aadhaar with the bank account via net banking, mobile banking, SMS, or by visiting the nearest branch of your bank. To check the status of your UIDAI link with a bank, you can visit the UIDAI website.

Do we need to link Aadhaar with a bank account?

Yes, it is mandatory for all citizens to complete a UIDAI link with a bank, as per the Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, 2017.

References:

https://www.rbi.org.in/commonman/English/Scripts/PressReleases.aspx?Id=2398

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PAN card is lost? Here’s how to apply for a lost PAN card

If your PAN card is lost, you can be at risk of identity theft. Your PAN is a unique number allotted by the Income Tax Department and serves as an ID proof apart from being linked to your tax transactions. As such, losing your PAN card can mean loss of access to several services, including financial services.

If you are wondering what to do if PAN card is lost, read on to learn how to apply for a duplicate PAN card and get other crucial details.

What to do when you lose your PAN card?

The first thing to do when you realise that your PAN card is lost or missing is to file a PAN card lost complaint at your nearest police station. This is to protect your identity and get the required document to support your request for a duplicate PAN card.

Once you file the complaint and have a copy with you, you can apply for a duplicate copy of your PAN card.

How to apply for a duplicate PAN card?

After you file a complaint that your PAN card is lost, you can apply for a duplicate one online or offline. Wondering how to apply for a new PAN card in case of lost PAN card?

Follow the steps below based on your chosen mode.

Steps to apply online

Step 1: Visit the Protean eGov Technologies Limited online PAN Application portal
Step 2: Navigate to the ‘PAN’ section under the ‘Services Tab’
Step 3: Scroll down to the ‘Reprint of PAN Card’ section
Step 4: Read the guidelines before applying for a reprint
Step 5: Click on the hyperlink given under section if there are no changes
Step 6: Fill out the application form and submit it
Step 7: Save the token number generated and displayed on your screen
Step 8: Continue with the application and choose your submission mode
Step 9: Fill in the required information and document details
Step 10: Submit the form and make the payment

In case your PAN card is lost, reprint fees for a physical card are ₹50 in India and ₹959 outside of India. Use the acknowledgement number issued after submitting the form to track the status of your application.

Steps to apply offline

Step 1: Visit the Income Tax Department website
Step 2: Print the ‘Request for New PAN Changes or Correction in PAN Data’ form
Step 3: Read the instructions before filling out the form
Step 4: Fill in the details in block letters and in black ink
Step 5: Attach two photographs and the required documents
Step 6: Send the form with the required documents and payment to the official address
Step 7: Save the acknowledgement number issued upon acceptance of your form

Note that the required documents are mentioned in the application form and the instructions. Generally, you need to submit a PAN card lost complaint form, your address proof and other basic documents.

How to check the status of your duplicate PAN card application

You can track your application status on the TIN/NSDL website. Open the page to track status – https://tin.tin.nsdl.com/pantan/StatusTrack.html. Select ‘PAN-New/Change Request’ as your Application Type from the drop-down menu. Enter your 15-digit acknowledgement number and captcha code.

How to download a duplicate PAN card

You can download the e-PAN card by following the steps mentioned below:

Step 1: Go to the TIN-NSDL e-PAN Card service portal (https://www.onlineservices.nsdl.com/paam/requestAndDownloadEPAN.html)
Step 2: Click on acknowledgement number and add it along with other details
Step 3: Enter the captcha code and ‘Submit’ to generate the OTP
Step 4: Enter the OTP and click on ‘Validate’

These steps allow you to download the e-PAN card, especially with your PAN Card number missing in your records. If you have your number, you can choose PAN in the second step.

With these steps, you know what to do in case of a lost PAN card, how to get a new one and other crucial details. Getting a duplicate PAN card is important because it is an ID proof that gives you seamless access to financial services, like an Instant Personal Loan from Fibe. You can get affordable funding of up to ₹5 lakhs through an entirely digital application on Fibe. To get started, download our Personal Loan App or register on our website.

FAQs on what to do if a PAN card is lost

Can I get my lost PAN card online?

Yes, if your PAN card is lost or misplaced, you can apply for a duplicate one online on the TIN/NSDL or Protean eGov Technologies Limited website.

How can I get my lost PAN card in 2 days?

Although there are now provisions to get your PAN card within 48 hours, it is not a guarantee. The best way to get a duplicate PAN card quickly is to apply as soon as you file a PAN card lost complaint.

How can I get my lost PAN card without the number?

If the PAN card number is missing from your records, you may not be able to apply for a new one. The reprint application form requires you to submit your PAN number to proceed with the application.

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Top 5 benefits of Aadhaar card: Detailed Guide

Benefits and Uses of Aadhar Card in India

Aadhaar is your go-to ID for authentication and fraud prevention in India. Launched in 2009, it was designed to create a single identity system for all citizens. Your Aadhaar number is a unique 12-digit ID linked to your personal details, including date of birth, demographics and biometrics. No two people can have the same number and UIDAI ensures its security.

Today, Aadhaar is the most widely accepted identity proof, making it easier to access government schemes and benefits.

Read on to explore its key benefits and uses.

Benefits of Aadhaar Card

Acts as all-in-one proof of identity, age and address

Among the most important Aadhaar card uses is the fact that this single card serves as instant proof of your residence, age and identity, featuring your photo and other pertinent information. It helps you apply for your passport, visa, PAN and other government IDs too.

Limits fraud and identity theft

The Aadhaar number is unique to every citizen of India and is created in a way that prevents duplication. Since it is used to access financial services and in voting, it limits the occurrence of problems like identity theft and fraud.

Makes easy verification a reality

The Aadhaar card is a government-issued ID that is valid in all parts of the country. Whether you have a physical copy of your Aadhaar Card, an e-Aadhaar or the mAadhaar app, you can easily verify yourself and access other important documents from the DigiLocker. Moreover, with basic details, you can generate a duplicate of your original documents without any hassle in all states of India.

Supports two-factor authentication

If you want to withdraw your EPF, file an income tax return, view your credit score or access other services, you can log into your respective accounts with your Aadhaar Card number. This, along with your registered mobile number, serves as a two-factor authentication for better security.

Also Read: Mobile number link to aadhar card online

Secures your data with encryption

Not only is the data linked to your Aadhaar number protected with the best-in-class encryption in secure data vaults but it is also kept confidential and not disclosed to all. In addition, the data collected cannot be used to profile you or track your transactions. Lastly, the Aadhaar number simply verifies your identity without giving away your personal data.

Importance of an Aadhaar card

Access credit and financial facilities

To apply for personal loans or credit cards, open a bank account, buy insurance, invest in the stock market, FDs or mutual funds or carry out other financial activities, you no longer need multiple documents. Your Aadhaar card is all you need to complete the KYC process and you may need your PAN in addition to certain transactions.

Apply for government subsidies and employment programs

When your Aadhaar card is linked to your bank account and PAN card, you can avail of various subsidy benefits easily. The benefits can directly reach your bank account with minimal effort. In addition, enrolling for government employment programs is easier, be it Atmanirbhar Bharat Rojgar Yojana, Pradhan Mantri Rojgar Protsahan YojanaPradhan Mantri Garib Kalyan Rojgar Abhiyaan or more.

Access the digital life certificate

For pensioners, the government of India has introduced the Jeevan Pramaan, which may be accessed through the Aadhaar number. This allows you to renew the life certificate and continue receiving a pension online without the need to leave your home.

Open Jan Dhan Yojana Bank Account

In the past, opening a bank account was a time-consuming process, especially for people living in remote and rural areas of India. However, with an Aadhaar card, they can open a zero-balance savings account via the Jan Dhan Yojana.

Now that you know the many benefits of an Aadhaar card, you can use it more confidently and save time. If you want to access instant credit with your Aadhaar card, Fibe has you covered.

With us, getting a loan of up to ₹5 lakhs is simple and convenient. You can register on our Personal Loan App or on our website to get an Instant Personal Loan in just 2 minutes.

FAQs on Aadhaar Cards in India

What is an Aadhaar card and its importance?

The Aadhaar card is a UIDAI-issued card that contains your 12-digit unique identification number. It is proof of citizenship as well as a primary document for identity and address verification.

Which type of Aadhaar card is best?

PVC Aadhaar cards are the most durable, so you can carry them with you anywhere without the risk of damage. Furthermore, sharing them is easy through the QR code. Using the e-Aadhaar is also a great way to verify your identity without giving out key data.

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Check Aadhaar Card Status Online: Guide to Check Aadhar Status

To check Aadhaar card status once you apply for it or update it, you will be required to visit the UIDAI website. This option saves time and energy, as you can perform it anywhere and at any time. You need to have the required details and internet access to perform the check with just a few clicks.

Read on to learn why you must check Aadhaar card status, how to check it and more.

Ways to Check Your Aadhaar Status

Checking the status of your Aadhaar card is crucial because it helps ensure you take prompt actions when required. You will need to use several details to check your Aadhaar card status online or offline. This includes:

Your enrolment number
Your registered mobile number

You can perform an Aadhaar card status check from anywhere if you have these two pieces of information. Call, SMS and other options are also available to check your status. Here is a step-by-step guide on how to track your Aadhaar card status through different modes:

Check Aadhaar Status With an Enrolment Number

You can visit the UIDAI website and follow these steps to check your Aadhaar card status.

Step 1: Click on ‘My Aadhaar’ and choose ‘Check Aadhaar Update Status’
Step 2: You will be redirected to the myAadhaar portal where you can choose from 3 options:
- EID (Enrolment ID)
- SRN
- URN
Step 3: On the following page, enter your details based on the option you choose, complete the captcha and click ‘Submit’.

Check Aadhaar Status Without an Enrolment Number

If you lose or misplace your enrolment number, you can retrieve it to check your Aadhaar card status. Follow these steps:

Step 1: Visit the official UIDAI website and hover over the ‘My Aadhaar’ tab
Step 2: Under ‘Get Aadhaar’ click on ‘Check Aadhaar Status’
Step 3: On the next page, scroll down and click on ‘Retrieve EID/Aadhaar number’
Step 4: Fill in your name and mobile number or email
Step 5: Enter the captcha code and click on ‘Send OTP’
Step 5: Enter the OTP you get and click ‘Verify OTP’
Step 6: Your Enrolment ID will be sent to your registered email or mobile number

Once you receive the Enrollment ID, you can check your Aadhaar card status online.

Check Aadhaar Status on Call

To check your Aadhaar card status via call, dial the toll-free number – 1947 from your registered mobile number.

Once you connect with the support executive, share your enrolment ID to get the status of your Aadhaar card. You can also use this number for card lock/unlock status, biometric lock/unlock status and other services.

Check Aadhaar Status Via SMS

To get an Aadhaar card status update via SMS, send a text to the Aadhaar SMS Service number with your registered mobile number. For this, Type ‘UID STATUS’ <Space> ’14-digit enrolment number’ in the text box and send it to 1947. If your card is ready, you will receive your Aadhaar number in an SMS. If not, you will get your application’s latest status update.

Aadhaar PVC Card Status

Usually, you will get the Aadhaar PVC Card within 5 working days after the request. In case you do not receive the card within this time frame, you can track your application status by following these steps:

Step 1: Go to ‘myAadhaar’ website
Step 2: Select the ‘Check Aadhaar PVC Card Order Status’
Step 3: Enter SRN and captcha
Step 4: ‘Submit’ your request to track the Aadhaar card

With these steps, you can easily check the Aadhaar card status using different modes.

Having an Aadhaar card is crucial as it serves as an important ID and address proof. As such, a valid Aadhaar gives you access to a host of services, including personal loans from lenders like Fibe.

You can easily get a Fibe Instant Personal Loan of up to ₹5 lakhs once you submit the required basic documentation. You can meet your needs without any hassles with simple eligibility criteria, competitive interest rates and flexible tenures. Download the Personal Loan App or visit our website to register and apply for a loan through a 100% digital and safe loan process.

FAQs on How to Check Aadhaar Card Status

How can I check my Aadhaar card status by URN?

You can check your Aadhaar card status through URN by clicking on the ‘Check Enrolment & Update Status’ tab on the official website. After that, you can enter the URN and captcha to get an Aadhaar card status update.

How many days does the Aadhaar update take?

Generally, an Aadhaar card update takes around 30 days. You can easily check your Aadhaar card status once you make an update request through the official website.

How can I check the lock/unlock status of my Aadhar biometrics?

You can lock or unlock your Aadhaar biometric to protect yourself from hackers. To lock your biometric, you can follow the steps:

Step 1: Visit the UIDAI website
Step 2: Navigate to My Aadhaar portal
Step 3: Choose ‘Lock/Unlock Biometrics’ under Aadhaar Services
Step 4: Enter your Aadhaar number and captcha
Step 5: Click on the ‘Send OTP’ button
Step 6: Enter OTP
Step 7: Proceed to lock or unlock your biometric

How to cancel an update request?

To cancel your update request, visit myAadhaar dashboard and submit your request. If it is a paid service, then you will receive your money within the next 21 days.

What should I do if my Aadhaar update request is rejected?

If your Aadhaar update request is rejected, then follow these guidelines:

Resubmit the corrected form
Provide accurate documents (self-attested)
Verify mobile number

You can also contact the UIDAI helpdesk to raise this issue and follow their guidance on resolving this matter.

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How to apply for a new Aadhaar card and check status online?

To apply for a new Aadhaar card, you can start the enrollment process online. Whether you want a new card or aim to update your data, making online requests related to your Aadhaar Card is a simple process. This 12-digit Aadhaar number issued by the Unique Identification Authority of India (UIDAI) allows you to enjoy many services quickly and without any hassle.

One of these is getting access to loans and other financial products. Moreover, it is a document that includes all your details, like your name, date of birth, permanent address and more. Therefore, it is also a crucial part of KYC documentation. Considering these facts, if you don’t have an Aadhaar Card yet, you should apply for one as soon as possible.

Read on to learn how to apply for an Aadhaar card online, how to download your card, check its status and more.

How to Apply Online for an Aadhaar Card

Applying for an Aadhaar Card online is a simple process. The first part is to book an appointment, for which you can follow these steps:

Step 1: Visit the UIDAI website
Step 2: Select your preferred language
Step 3: Select the ‘Book an Appointment’ under the ‘Get Aadhaar’ section of the ‘My Aadhaar’ tab
Step 4: Select your nearest Aadhaar Seva Kendra and proceed to book an appointment
Step 5: Select the ‘New Aadhaar’ option on the enrollment page
Step 6: Enter your mobile number and the captcha code and click on ‘Generate OTP’
Step 7: Enter the OTP and verify the process
Step 8: Fill in the appointment and personal details and confirm the appointment
Step 9: Download the acknowledgement slip with the enrolment number and appointment details

Also Read: How to apply for Pan Card

These steps allow you to:

Apply for a new Aadhaar card
Update your demographic details
Update your biometric details
Manage your appointments
Apply for an Aadhaar home enrollment service

Once you have submitted the application for an Aadhaar card, you can go to your nearest Aadhaar Seva Kendra to complete the process by following these steps:

Step 1: Visit your nearest Aadhaar Enrolment Centre
Step 2: Submit your documents for demographic data entry
Step 3: Submit your biometric data, that is, photograph, iris scan and fingerprint
Step 4: Collect your acknowledgement documents with the enrollment ID

This enrollment ID is crucial to track the status of your card when you apply online for an Aadhaar card.

How to Find Your Nearest Aadhaar Enrolment Centre

Finding your nearest enrollment centre is very easy on the UIDAI website. Just follow these steps:

Step 1: Click on ‘Locate an Enrolment Centre’ under the ‘Get Aadhaar section on the website
Step 2: Select the suitable search option from State, Pin Code or Search Box
Step 3: Enter your details
Step 4: Click on ‘Locate a Centre’

Also Read: Small cash loan on Aadhar Card

How to Download e-Aadhaar from the UIDAI Website

When you apply for a new Aadhaar card, the physical card will take up to 90 days to get delivered to your address. Meanwhile, you can download an e-Aadhaar card with these steps:

Step 1: Go to the ‘My Aadhaar’ page on the UIDAI website
Step 2: Click on the ‘Download Aadhaar’
Step 3: Enter your Aadhaar Number, Enrollment Number or Virtual ID and enter the captcha
Step 4: Click on ‘Send OTP’ and verify your OTP
Step 5: Select ‘Download Aadhaar’

How to Get an Aadhaar PVC Card

To apply for an Aadhaar PVC card, you can follow these steps:

Step 1: Go to the ‘My Aadhaar’ page
Step 2: Select the ‘Order Aadhaar PVC Card’ option
Step 3: Enter your Aadhaar Number or Enrolment ID
Step 4: Click on the ‘Send OTP’ button to generate OTP
Step 5: Enter OTP, check the ‘Terms and Conditions’ box and click on ‘Submit’
Step 7: Verify your Aadhaar details and click on ‘Make payment’
Step 8: Make payment and download the acknowledgement slip

Once you have sent the application for an Aadhaar card, you will receive your card within 5 working days at your residence address as mentioned on the card. With these steps, you can apply for a new Aadhaar card, check its status and download your card more quickly and easily.

Having a valid Aadhaar card also makes it easier to get loans from financial institutions like Fibe. With Fibe, you can get an instant Personal Loan up to ₹5 lakhs and handle financial undertakings easily and affordably. To get started, download the Personal Loan App or go to our website to apply online.

FAQ on How to Apply for Aadhaar Card Online

What documents are required to get Aadhaar?

Here are the documents required to apply for an Aadhaar card:

Birth certificate
Passport
PAN card
Ration / PDS photo card
Voter ID card
Driving license
Marriage certificate
ST/ SC/ OBC certificate
School leaving certificate
High school mark sheet
Bank account statement
Electricity, water, telephone or other utility bill

Can we take an Aadhaar card online?

Yes, you can download an eAadhaar on the UIDAI site using your enrollment or Aadhaar number.

How much money is required for an Aadhaar card?

Here are the fees that you must pay for Aadhaar card services:

Demographic Update: ₹50
Biometric Update: ₹100
Biometric with Demographic Update: ₹100
Aadhaar Card Download on A4 sheet: ₹30

Can I apply for an Aadhaar card without any documents?

Yes, you can send an application for an Aadhaar card without any documents on the basis of documents of the head of the family.

Is an Aadhaar card making free of cost?

Yes, you do not have to pay any fees or charges when you apply online for an Aadhaar card, but there are costs associated with updates and requesting a PVC card.

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Steps for Aadhaar Card Link to PAN Card: Online & Offline

As per law, it is now mandatory that you have your Aadhaar card linked to a PAN card. This helps keep your PAN from becoming inoperative, according to the Income Tax Department. If you have not yet linked your Aadhaar Card and PAN card, you are liable to pay a ₹1,000 penalty or your PAN card will become inactive.

This process is important for tax purposes, the KYC process and to prevent instances of fraud. Moreover, there are many other benefits to linking Aadhaar with a PAN card. To avail of these benefits, you can easily link PAN with Aadhaar online or offline, based on your preference.

Read on to know why you should get an Aadhaar Card link to PAN Card, how to link them, how to check the status and more.

Why should you link an Aadhaar card with a PAN card?

To avoid your PAN card from becoming inactive
If your PAN card is inoperative, your interest and refunds will not transfer into your bank account
To track taxable transactions and fraudulent activities
Carrying duplicate PAN cards is a punishable office and linking Aadhaar with PAN helps track them
To claim tax refunds into your bank account
To invest in SEBI-registered investments in the stock market

Also Read: Rs.20,000 loan on Pan Card

How to Link Aadhaar Card with PAN Card Online

Follow these steps to use the website for tax e-filing to link Aadhar with PAN

Step 1: Visit the Income Tax e-filing website
Step 2: Under ‘Quick Links’, click on ‘Link Aadhaar’
Step 3: Once the pop-up message appears with the text “Your payment details are verified”, click ‘Continue’
Step 4: Enter your PAN number and Aadhaar number
Step 5: Click the ‘Validate’
Step 6: Enter your name as mentioned on your Aadhaar card and mobile number and click on ‘Link Aadhaar’
Step 7: Enter the OTP on your Aadhaar mobile number, click on ‘Validate’

If your payment details are verified, then the process to link PAN with Aadhar online is complete. If not, then you will get a pop-up text: “Payment details not found”.

Also Read: How to apply for Pan Card Online

How to Link Aadhaar Card with PAN Card via SMS

Step 1: Open your SMS app
Step 2: In the text box, type UIDPAN <space> 12-digit Aadhaar card number <space> 10-character PAN Card number
Step 3: Sent the text to 56161 or 567678 for your registered number

After that, you will get a text to confirm that you have successfully completed linking Aadhaar with PAN.

How to Link Aadhaar Card with PAN Card Offline

Without access to the internet, you won’t be able to use the website for tax e-filing to link Aadhaar with PAN. Instead, you will have to go with the offline process, with these steps:

Step 1: Go to your nearest PAN card service centre
Step 2: Fill in the Annexure-I form
Step 3: Submit the form, photocopy of your PAN and Aadhaar cards
Step 4: Pay the processing fee
Step 5: Collect the acknowledgement receipt

In addition to your PAN and Aadhaar copy, you may have to provide other documents, such as your birth certificate, for verification. Once your documents are verified, the process will continue until it gets completed.

How to Check PAN Linked with Aadhaar Status

Here are the options to check on your Aadhaar card link to PAN card request.

PAN-Aadhaar Link Status Check Online

You can easily check the status of your link request online with these steps:

Step 1: Visit the Income Tax e-filing portal
Step 2: Click on Link Aadhaar Status’ under the ‘Quick Links’ tab
Step 3: Enter your PAN number and Aadhaar number
Step 4: Click on ‘View Link Aadhaar Status’

With this, you can check if linking Aadhaar with PAN was successful or not.

Also Read: Mobile number link to Aadhar Card online

PAN Aadhaar Link Status Check by SMS

The steps you check at the status are the same as for registering for the PAN-Aadhaar link. Simply text UIDPAN <space> 12-digit Aadhaar card number <space> 10-character PAN Card number and send it to 56161 or 567678 from your registered mobile number.

Once you have successfully completed the Aadhaar card link to PAN Card, you can apply for loans, credit cards, or many other banking facilities quickly and easily.

In fact, Fibe offers instant personal loan and you will need these documents to enjoy easy access. With all your paperwork in order, you can get financing up to ₹5 lakhs in 2 minutes. To apply, download the Personal Loan App or register on our website.

FAQ on How to Link Aadhaar Card with PAN Card

How can I link my Aadhaar card with a PAN card offline?

To initiate the Aadhaar card link to PAN card process offline, you can go to a PAN card service centre near you.

Is there any need to link a PAN card with an Aadhaar card?

Yes, the Central Board of Direct Taxes has made it mandatory to link your Aadhaar card with your PAN.

What happens if PAN and Aadhaar are not linked?

Non-compliance with the mandatory rule to link the PAN and Aadhaar can lead to PAN cards becoming inoperative.

What is the penalty for linking PAN and Aadhaar?

Failure to comply with the mandate attracts a ₹1,000 penalty.

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PF Withdrawal – How To Claim Provident Fund Amount Online?

Need to withdraw your PF online but not sure where to start? You’re not alone, many employees search for how to withdraw PF amount or how to withdraw PF amount online when they need quick access to their savings. Whether it’s for an emergency, education, home renovation or even retirement, knowing how to withdraw PF in the right way ensures your claim gets processed smoothly.

Thanks to digital tools like the EPFO portal and the UMANG app, you now have multiple PF withdrawal options that make the entire process simple, quick and completely online.
In this blog, we’ll walk you through each method step-by-step, including how to withdraw PF from UMANG app and other PF withdrawal options, so you can complete your claim easily from the comfort of your home.

What is Required for PF Withdrawal Online?

To withdraw your PF online, you need an active UAN (Universal Account Number) linked to your Aadhaar, PAN and bank account. Your mobile number registered with Aadhaar must be active for OTP verification. Ensure your KYC details are updated on the EPFO portal.

You should also have an eligible reason for withdrawal, such as retirement, medical emergency or unemployment. Once these requirements are met, you can easily apply for withdrawal through the EPFO member portal.

Apply for PF Withdrawal Online

Following these steps, you can raise a claim for PF withdrawal online:

EPFO 3.0: ATM Withdrawals in 2025

If EPFO introduces ATM withdrawals under EPFO 3.0 in 2025, the process might be similar to a standard ATM cash withdrawal. While official details are awaited, the expected steps could be:

Visit an ATM – Go to a participating ATM that supports EPFO withdrawals.

Insert Your Card – Use an EPFO-linked card (if introduced) or enter relevant credentials.

Select Withdrawal Option – Choose the ‘PF Withdrawal’ option from the menu.

Enter Details – Provide your UAN (Universal Account Number) and authenticate using OTP or PIN.

Choose Amount – Enter the amount you wish to withdraw within the limit set by EPFO.

Confirm & Withdraw – Complete authentication, and the cash will be dispensed.

Once EPFO releases official guidelines, these steps may be confirmed or adjusted.

On the EPFO Portal

Step 1: Visit the EPFO Member e-Sewa portal
Step 2: Log in with your UAN (Universal Account Number), password and captcha code Step 3: Verify your KYC under the ‘Manage’ tab
Step 4: Once verified, select the ‘Claim (Form-19, 31, 10C and 10D)’ option under the ‘Online Services’ tab

Step 5: On the new web page, enter your bank account number and click on ‘Verify’

Step 6: Choose the ‘Yes’ option after this step

Step 7: Select the ‘Proceed for Online Claim’ tab

Step 8: Choose ‘PF Advance (Form 31)’ under the ‘I Want to Apply For’ option for partial withdrawal

Step 9: Select the reason for making the claim from the ‘Purpose for Which Advance is Required’ drop-down menu

Step 10: Enter the advance amount, scanned documents and the employer’s address. Step 11: Submit the application

On the Unified Mobile APP for New Governance (UMANG)

Step 1: Log in to the UMANG app

Step 2: Search EPFO

Step 3: Select the ‘Employee Centric’ tab

Step 4: Choose the ‘Raise Claim’ option

Step 5: Enter your UAN

Step 6: Verify OTP

Step 7: Select the withdrawal type and submit a claim

For a Deceased Person

Step 1: Visit the EPFO Member e-Sewa portal

Step 2: Select the ‘Death Claim Filing by Beneficiary’ option

Step 3: Enter UAN, name, Aadhaar and date of birth of the beneficiary along with the captcha code

Step 4: Click on the ‘Get Authorized Pin’

Step 5: Enter the OTP received on the beneficiary’s mobile number to file the claim

Here’s how you can withdraw the provident fund offline:

Fill out a withdrawal form

Submit the necessary supporting documents to the regional EPFO commissioner

Collect the cheque or wait for funds to be disbursed to the registered bank account.

Criteria for Partial PF Withdrawal

Here are a few circumstances that allow partial PF withdrawals:

Unemployment: You can withdraw up to 75% from your PF account if you are unemployed for 2 months.

Education: You can claim a 50% PF advance withdrawal limit to pay your children’s education expenses after they complete the 10th standard. This is applicable if you have contributed at least 7 years to the PF account.

Wedding Costs: After 7 years of contribution towards the EPF account, you can withdraw 50% of the funds to cover the family wedding expenses.

Medical Emergency: You can withdraw six times your monthly basic salary or the total employee contribution along with interest in managing your medical costs.

Purchase Land/ House or Renovate Your Home: Premature withdrawal is allowed after 5 years of buying or renovating your home.

Also Read: EPF interest rate 2024

Complete PF Withdrawal

It allows employees to withdraw their entire provident fund balance under specific conditions. You can apply for full withdrawal if you have retired, been unemployed for over two months or meet other EPFO-approved criteria. To withdraw online, ensure your UAN is active, Aadhaar, PAN and bank details are linked and KYC is updated. Log in to the EPFO member portal, select Claim (Form 19) for final settlement and authenticate via OTP. After submission, EPFO processes the request and the amount is credited to your bank account. While full withdrawal is possible, maintaining a PF balance helps secure long-term financial stability.

Latest PF Withdrawal Rules

The following criteria apply in the case of Employee provident funds:

PF withdrawal is not allowed until you are employed.

Employees after 55 years of age can make withdrawals after retirement, with 90% of withdrawals allowed 1 year before retirement.

You can only claim up to 75% of the PF advance withdrawal limit after 2 months of unemployment and the remaining amount after 2 months.

If you make a withdrawal above ₹50,000 within 5 years of opening the EPF account, it will attract 10% TDS with PAN and 30% without a PAN card.

For the public provident fund, these are the rules:

Partial withdrawals are only allowed from the seventh year onwards.

Subscribers can only make one withdrawal in a year.

Only up to 50% of the total balance may be withdrawn, subject to certain stipulations.

Taxes on PF Withdrawal in India

The amount that you contribute towards your PF is not taxable. However, the interest on your PF is taxable because of the following reasons:

It is considered ‘Income from other sources’.

The employer’s contribution towards your PF is also taxable since it falls under the ‘Salary’ head.

The PF amount is tax-free on withdrawal if you withdraw it after 5 years of continuous service. If you wish to withdraw more than ₹50,000 before 5 years, the amount will attract:

A TDS of 10% with PAN.

A TDS of 30% without PAN.

How to Check PF Withdrawal Status?

Follow these steps to check the withdrawal status:

Step 1: Visit the official portal of EPFO and log in

Step 2: Click on the ‘Our Services’ tab and from the drop-down menu and select the ‘For Employees’ tab

Step 3: Click on the ‘Know Your Claim Status’ option

Step 4: Enter your UAN and the Captcha code

Step 5: Enter the required details like the state of the PF office, establishment code, respective PF office and PF number

Step 6: Click on ‘Submit’ to check the withdrawal status of your PF

Keeping all these factors in mind can help you decide the right time to withdraw the amount. While this may seem like a good idea, remember that it takes away from your final corpus. As such, you can opt for alternatives like Instant Personal Loan from Fibe.

Get a loan of up to ₹5 lakhs in just 2 minutes at budget-friendly interest rates. We also have easy-to-meet eligibility criteria and offer quick disbursals. To get started, download our Personal Loan App or go to our website and start your application process today.

FAQs on How to Withdraw PF

When can I withdraw my PF?

Here’s when you can withdraw the PF:

Full amount at maturity or retirement

Partial withdrawals in certain circumstances

How to claim the PF amount?

You can withdraw your PF amount online or offline. To claim the amount online, you can opt for these ways:

Withdrawal via the Employees’ Provident Fund Organisation (EPFO) Portal

Withdrawal through the Unified Mobile APP for New Governance (UMANG)

How many days does it take to withdraw PF advance?

The PF withdrawal processing time is 20 working days once your claim is settled.

What is CIF Number? CIF Full Form, Meaning & How to Locate It?

When you open a bank account, you receive multiple details like your account number, IFSC code, branch code and more. But there’s one important ID most people overlook—the CIF number. This 11-digit code stores your entire banking profile in one place and helps the bank identify you across all accounts and services.

If you’ve ever wondered what is CIF number, what is CIF code or why banks ask for it during verification, this guide explains everything in a simple and easy-to-understand way.

What is the Meaning of CIF Number?

A CIF number, also known as the Customer Identification File Number, is an 11-digit unique ID that your bank assigns to you. The CIF full form is Customer Information File and the CIF full form in bank refers to the digital file where all your details are stored.

Think of it as a digital folder containing your:

Personal details
KYC documents
All bank accounts linked to your name
Loan details
Demat account information
Credit score and transaction history

So instead of checking every individual account, the bank simply enters your CIF ID and immediately sees your full financial relationship.

Bank-Specific Examples:

Here’s how some top banks display the CIF number:

SBI CIF Number – Printed on the first page of the passbook.
HDFC Bank Customer ID – Works as the CIF and is found in the ‘Account Summary’ or ‘Profile’ section.
ICICI Bank CIF Number – Shown under ‘My Profile’ in mobile and internet banking.
Axis Bank Customer ID – Displayed in account details and used as the CIF number for internal records.

If you’ve ever been confused about is CIF and customer ID same, the answer is:

Yes, in most banks, CIF number = Customer ID
In a few banks, both may exist separately but serve similar identification purposes

Customer Identification File (CIF) Contains the Following Details

Your CIF number gives the bank access to:

All the accounts you hold
Past transaction history
Credit score
Personal details
Loan account information
Demat account information
Existing account balance
KYC details
Overall credit relationship with the bank

What Does the CIF Number Contain?

Your CIF number acts like a central record of your banking profile. Here’s what it typically includes:

Personal details: Your name, date of birth and contact information
KYC information: Documents like PAN, Aadhaar and address proof
Linked accounts: All savings, current or joint accounts in your name
Loan details: Any personal loan, home loan or credit facility you’ve taken
Transaction history: Past transactions across your accounts
Demat details: Linked investment or demat account information
Credit profile: Your repayment behaviour and overall credit relationship with the bank

This helps banks quickly access everything they need without checking multiple records.

[Source: What does the CIF number contain – ClearTax]

How to Find CIF Number Offline?

If you don’t want to go online, here are easy offline ways to find your CIF ID:

Passbook: Banks like SBI and Bank of Baroda print it on the first page.
Chequebook: Some banks mention it on the first cheque leaf or info slip.
Welcome Kit: When you open a new account, the CIF number may be included.
Printed Statements: Your physical bank statements usually carry it.
Customer Care: Call your bank’s helpline and request your CIF ID after verification.
Branch Visit: Walk into your branch, show ID proof and get your CIF number easily.

How to Find CIF Number Online?

If you prefer using your phone or laptop, try these online methods:

Mobile Banking App:
SBI YONO → ‘Account Details’ section
HDFC Bank App → ‘Profile’ or ‘Account Summary’
ICICI Bank App → ‘My Profile’
Internet Banking: Log in → go to ‘Account Info’ or ‘Profile’ → view CIF number
Email / SMS Alerts: Many banks mention the CIF ID on monthly e-statements or alerts

These methods work for most major banks like Axis Bank, Kotak Mahindra Bank and others.

Why is a CIF Number Important?

Here’s why a CIF number plays a major role in banking:

Centralises customer data
Reduces confusion by organising all accounts under one ID
Lowers fraud risk through accurate tracking
Cannot be used for transactions, so it stays secure
Required for services like net-banking activation, loan processing or account upgrades
Gives banks a complete financial view of your relationship with them

Even if someone else knows your CIF number, they cannot use it to make transactions. It’s only meant for internal bank usage.

Conclusion

A CIF number is one of the most important identifiers in banking because it keeps your entire financial profile in one place. Whether you hold multiple accounts, apply for a loan or update your KYC, your bank uses this number to verify and manage everything smoothly.

Now that you know what a CIF number is, how to find it and why banks rely on it, make sure you keep this number safe and use it only when required.

FAQs on CIF Number

Is a CIF number the same as an account number?

No. While an account number is provided when you open any bank account, a CIF number is the customer ID. Using this ID, a bank can retrieve all essential details pertaining to a specific customer.

Can I give my CIF number to anyone?

It is better not to share the customer identification number with anyone. However, the number is used for internal purposes by bank employees and is of no use to anyone else. Getting these details won’t allow anyone to execute fraudulent transactions or misuse your banking details.

How do I find my CIF number?

It’s easy to find your CIF number. You can check your passbook, bank statement or even your bank’s mobile app. If you’re still unsure, you can call customer care or even visit your nearest branch.

Is the CIF number and account number the same?

No, they are not the same. Your account number is linked to one specific account, while your CIF number is your unique customer ID. It helps the bank view all your accounts and details in one place.

Can CIF numbers be misused?

Not really. A CIF number is mainly used by banks for identification and internal records. Even if someone knows your CIF number, they cannot use it to make transactions or access your money. Still, it’s always a good idea to avoid sharing it unnecessarily.

What is an NBFC? Top pointers to know about these financing companies

NBFC, meaning a Non-Banking Financial Company is a type of institution that you can rely on for financial services, such as taking a loan, booking a fixed deposit or more. In India, there are many NBFCs, over 9,000 in number as of October 2022, who have changed the financial landscape for the better.

How? NBFCs play an important role in extending access to financial services across the country to a wide variety of people. This helps with financial inclusion.

NBFCs have different compliance requirements as compared to banks and also work in a digital-first mode. This helps them offer customers instant services at pocket-friendly rates. However, NBFCs also need to meet certain guidelines and frameworks as per the RBI.

Read on to know what they are and the types of NBFCs in India.

Understanding NBFCs: What are they?

Any company registered under the Companies Act of 1956 involved in the financial business of acquisition of market securities, such as stock shares, security bonds, debentures, leases and providing loans or advances, is a non-banking financial company or NBFC.

In other words, they offer a range of financial products and services to individual groups and businesses that may not fulfil the banking eligibility criteria. Since the government and the RBI regulate these companies, NBFCs are a secure option for financing.

To better understand what is a NBFC, here is the accurate definition as stated by the RBI. “A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 engaged in the business of loans and advances, acquisition of shares/stocks/bonds/debentures/securities issued by Government or local authority or other marketable securities of a like nature, leasing, hire-purchase, insurance business, chit business but does not include any institution whose principal business is that of agriculture activity, industrial activity, purchase or sale of any goods (other than securities) or providing any services and sale/purchase/construction of immovable property.”

Also Read: RBI guidelines for personal loan

Various categories of NBFCs

In India, three broad categories help distinguish the nature and functions of NBFCs. They include:

Deposit-accepting and non-deposit-accepting NBFCs
Systemically important and other non-deposit-accepting NBFCs based on the size of their asset
Based on the kind of activities they conduct

Under these categories, there are 10 NBFC types as follows:

Asset finance company: These NBFCs provide financing for physical assets that contribute to economic activity, such as purchasing farming equipment, machinery, generators, etc.
Investment company: These NBFCs have the principal business of acquisition in securities, such as shares, bonds, stocks, etc.
Loan company: These are the types of NBFCs that provide financing, such as loans and advances to individuals and businesses.
Infrastructure finance company: These NBFCs have at least 75% of their assets invested in infrastructure projects.
Systemically important core investment company: Any NBFCs with an asset size above ₹100 crores, with more than 90% holding in equity, debt, loan, shares, bonds debentures are Systemically Important NBFCs.
Infrastructure debt fund NBFCs: These are the companies that raise resources for infrastructure development projects with a minimum 5-year maturity period.
NBFC micro-finance institution: These are non-deposit-accepting NBFCs that provide short-term financing to urban and semi-urban households.
Non-banking financial company factor: This includes any non-deposit-accepting NBFC with at least 50% of its assets and income directed towards the factoring business.
Mortgage guarantee companies: These are companies with net assets of ₹100 crores, having 90% of the gross income invested in mortgage guarantee business.
Non-operative financial holding company: It is a company through which an individual or a group will be allowed to establish a new bank or other financial companies under the RBI.

Range of services provided by NBFCs

While they are regulated as per RBI guidelines, the range of functions of NBFCs is limited. NBFCs can deal with loans, shares, bonds, credits and insurance. However, they cannot issue or accept demand deposits or issue self-drawn cheques.

Moreover, unlike a bank, NBFCs cannot form a part of the payment and settlement system. Another factor that differentiates NBFC from banks is that there is no Deposit Insurance and Credit Guarantee Corporation (DICGC) facility available to NBFC depositors.

Significance of NBFCs

Non-banking financial companies are an important element of the financial system as they cater to the sections of society that do meet traditional banking eligibility terms. These may include low-income households, small businesses, startups, students or those who are new to credit. This makes NBFCs a crucial factor in the growth of the economy.

Now that you have a better understanding of the NBFC meaning, you can select your preferred NBFC for future financial needs. Fibe extends loans via Earlysalary Services Pvt Ltd, which is a Non-systemically important Non-deposit-taking NBFC registered with RBI.

If you need instant funds, you have the option to apply for a Personal Loan online on Fibe. The approval process takes only 2 minutes and you can secure a loan of up to ₹5 lakhs at favourable interest rates. To take advantage of this opportunity, simply download our Personal Loan App or register on our website.

FAQs on NBFCs

What is an example of an NBFC?

Aditya Birla Capital, Bajaj Finserv, Earlysalary Services Pvt Ltd, Edelweiss Financial Services, L&T Finance Holdings Limited and Muthoot Fincorp are a few examples of NBFCs in India.

What is the difference between an NBFC and a bank?

The key difference between banks and NBFCs is that NBFCs cannot issue or accept demand drafts. Apart from that, NBFCs do not provide transaction services and cannot form part of the payment and settlement systems.

What is the role of an NBFC?

The most important role of an NBFC is to offer credit and financial services to individuals who may not be able to apply for these facilities at banks. This helps individuals with low incomes or no credit scores to apply for credit easily.

Is an NBFC a private company?

NBFCs can be private limited or public limited companies that provide services similar to a bank and are regulated by the RBI. However, they do not hold a banking license.