The offer to de-link Aadhaar from the Payments Bank is good and will allow customers to opt out from linking their bank account with the unique ID number. For this the customers is required to submit a form to the Payments Bank. However, in this form, there are few issues, which needs to be sorted out by the Department of Posts (DoP) to allow customers use bank account without anything to worry.
Under Declaration, the form seeks consent from the account holder to allow seeding her account with her Aadhaar, and map this with the National Payments Corp of India (NPCI) to enable direct benefit transfer (DBT) from the government. It also seeks consent from the account holder to allow use of Aadhaar details to authenticate her UIDAI and use her bank registered mobile number for receiving SMS alerts.