[captn3m0]

Minor clarification: UPI works fine without an Aadhaar.

(I don't have an Aadhaar, and it works fine across multiple banks)

[albert_e]

I am afraid that may not last long though?

Aren't all banks mandating Aadhaar based KYC and freezing accounts if there is no aadhaar? Atleast I know SBI did. And even PAN to Aadhaar linkage has also been made "mandatory"...even though the legality of the mandate is dubious, and there have been many deadline extensions.

[captn3m0]

Have bank accounts across 5 different banks and no freezes so far.

The PAN Aadhaar linkage has caused some investment issues for me.