You can get the instant e-PAN for free in just 10 minutes by using an Aadhaar Card for e-KYC. e-PAN can be used for all purposes like a traditional PAN card, such as paying income tax, filing income tax returns (ITR), opening a bank account or Demat account, applying for a debit or credit card, etc.Instant PAN Allotment Through Aadhaar CardThe new provision facilitates the allotment of instant PAN to individuals who already possess a valid Aadhaar card. The applicants will not be required to submit a detailed application form as in normal cases. The instant PAN Card will be issued in PDF format with no additional charges.The PDF contains a QR code that includes the demographic details, such as the applicant’s name, date of birth, and photographs. You can use the 15-digit acknowledgement number to download the e-PAN from the income tax e-filing portal. The soft copy of the e-PAN will also be sent to your registered email address.Eligibility for instant e-PAN cardThe following are the core requirements for getting an instant PAN through Aadhaar-based e-KYC:A PAN Card is never allotted to you. You should not be a minor at the time of application.You need a valid Aadhaar card with a linked mobile number.Your full date of birth (DD/MM/YY) should be present on your Aadhaar card.You should not fall under the category of Representative Assessee as per section 160 of the Income Tax Act. #inlineCTA-choosePlan{ display: flex; flex-direction: row; align-items: flex-start; flex-wrap: wrap; padding: 24px 0; border-top: 1px solid #C4C4C4; } #inlineCTAimage{ padding-right: 20px; } #CTAbody{ flex: 1 1 55%; } #inlineCTAhead{ color: #314259; font-size: 20px; font-weight: 700; padding-bottom: 8px; } #inlineCTAcontent{ font-size: 16px; color: #9092A3; font-weight: 400; } #inlineCTAbutton{ padding: 8px 24px; color: #1678FB; font-size: 16px; background-color: #FFF; border: 1px solid #1678FB; border-radius: 8px; font-weight: 700; text-decoration: none; 8px 0 10px; } #inlineCTAbutton:hover{ background-color: #1678FB; color: #fff; box-shadow: 4px 5px 10px rgb(0 0 0 / 14%); } @media only screen and (max- 600px){ #full-width-mob, #inlineCTAbutton{ 100%; } #inlineCTAhead { font-size: 19px; padding: 8px 0; } #CTAbody{ flex: 1 1 100%; } } How to Apply for Instant PAN Card with AadhaarStep 1: Visit the official e-filing home page of the IT department (www.incometax.gov.in).Step 2: Click on the ‘Instant E-PAN’ option under the ‘Quick Links’ section of the homepage to redirect you to the instant PAN allotment webpage.Step 3: Click on the ‘Get New PAN’ button to redirect you to the instant PAN request webpage.Step 4: Enter your Aadhaar number for PAN allotment.

In February 2019, the Income Tax Department issued a crucial advisory urging all taxpayers to link their Permanent Account Number (PAN) with their bank accounts to facilitate the direct deposit of tax refunds into bank accounts. Whether it’s a savings or current account, taxpayers can easily link or pre-validate their bank accounts through the e-filing portal. However, it's essential to ensure that your PAN card should be linked with your bank before initiating this process. This step is fundamental for a smooth and efficient refund experience, streamlining the connection between your tax records and bank account information. Here are the ways to link your bank account with PAN card.How to Link PAN Card with Bank Account Online?There are various ways to link your bank account with PAN card online.Net BankingFollow these steps to link your PAN with your bank account online through Net Banking:Step 1: Navigate to your bank's official website.Step 2: Log in to your Net banking account using your credentials.Step 3: Locate the PAN linking or KYC section on the dashboard.Step 4: Fill the required details from your PAN card.Step 5: Submit your information to complete and confirm the linking process.Bank ApplicationHere's a step-by-step guide to linking your PAN via your bank's mobile app:Step 1: Download your bank’s mobile banking app from the appropriate app store.Step 2: Log in with your mobile banking credentials.Step 3: Search for the PAN linking or KYC option within the app.Step 4: Carefully enter your PAN card details.Step 5: Submit the information and complete any necessary verification steps.How to link your PAN Card with Bank Account Offline?Here are the ways to link your Bank Account with Pan card offline:Phone BankingCall the toll-free customer care number of your bank, which can be found on your bank's passbook, chequebook, pamphlets, or other documents.Navigate through the IVR options and connect with the PAN card customer care executive.Inform the executive about your intention to link your PAN with your account.Provide necessary information such as your account number, address, debit card number, etc., to verify your credentials.Communicate your PAN to the executive and verify that the correct PAN has been recorded.After registration, allow for up to two days for your request to be processed, after which the bank will link your PAN with your bank account.Through Branch VisitHere’s how to link your PAN with your bank account in person at your home branch:Visit your home branch where you maintain your account.Request a PAN Card Update Form, also known as the KYC Form.Accurately fill out all the required fields on the form.Submit the completed form along with a self-attested photocopy of your PAN Card. You may also need to provide a written request to the Branch Manager for updating your PAN details in your account.Benefits of Linking PAN Card with Bank AccountPreventing Duplicate AccountsLinking your PAN to your bank account aids in identifying and preventing duplicate accounts.

When facing a financial shortfall or an unexpected emergency, securing a personal loan might not always be a viable option. In such situations, many banks and financial institutions offer loans against property (LAP), providing a potential solution. Obtaining a LAP involves specific rules and conditions, but it can be a feasible way to secure quick loan approval based on your needs. Read on to learn everything you need to know about loan against property interest rates and the process of obtaining one. What Is Loan Against Property?A Loan Against Property (LAP) is a type of secured loan provided by banks and financial institutions, using your property as collateral. Acceptable collateral assets typically include residential houses, land, or commercial properties, which is why LAPs are also referred to as mortgage loans.

Every person who holds a savings or current account with HDFC Bank gets a unique identification number called the customer ID. The bank uses it to identify you as the savings or current account holder. Moreover, this customer ID is mainly required for performing different online or internet banking processes. This article covers how to find an HDFC customer ID through different methods.  HDFC Customer ID by Account StatementFinding your HDFC Bank customer ID using an account statement or e-statement is very easy. All you need to do is check the mini statement sent to you by the bank every month in your registered e-mail ID.

HDFC Bank is a popular financial institution that offers various financial services to account holders. You can streamline your banking journey by opening an HDFC Bank account. However, if you are unhappy with their services and look forward to closing your account for various reasons, you can follow some simple steps to close the account permanently. Read on to learn about how to close an HDFC bank account and some essential factors that you should remember during the process.  Points to Remember Before Closing of the HDFC Bank AccountFollowing are some important points that you should remember when closing a HDFC Bank account:Unlink all the auto payments: Make sure you unlink all the autopayments connected with your existing HDFC Bank account. Otherwise, it can become challenging for you to make those payments after closing your account. Open a second bank account: To keep availing all your banking facilities, opening a new bank account before closing the existing one is essential. You can do so in the same bank or opt for a different one.Keep your bank statements: Even after you close your bank account, keeping your bank statements safe becomes a must.

Punjab has 13 Lok sabha seats and residents of state can check the Punjab Voter List to verify their eligibility to vote for these seats in the general elections. This guide will provide detailed instructions on how to find names in the Punjab voter list, how to access it, how to apply for a Voter ID, and how to download the Voter ID card, among other important details.How to check Name in Punjab Voter ListThese steps will guide you through the process of finding your name in the voter list. Navigate to the ECI Website:Start by opening your web browser and visiting the home page of the Election Commission of India (ECI) website.Access the Elector Menu:On the home page, locate and click on the “Elector menu” tab.Search for Your Name:Within the Elector menu, select the option labeled “Search your name in the electoral roll”.Enter Search Details:To locate your name on the electoral roll, you can enter your EPIC number or Voter ID in the provided search fields.Alternative Search Options:If you do not have your EPIC number or Voter ID handy, you can still perform the search using alternative details:Your registered phone number.Personal information such as your date of birth, district, assembly area, and details about a relative.Procedure to View Name in PDF Electoral RollStep 1:  Go the website of  Punjab’s Chief Election Officer Step 2: Click on the “Final Electoral List 2024’ under Related Links. Step 3: Choose your District and Assembly ConstituencyStep 4: Now, Choose the Language of the Voter List PDFStep 5: Enter Captcha Code and Download the list to check your name. How to Apply for Punjab Voter ID Card Online?Step 1: Visit the National Voters' Services Portal (NVSP).Step 2: Click on the ‘Sign-Up’ option available on the top right corner of the homepage.Step 3: Enter your mobile number, email ID and captcha code and click ‘Continue’.Step 4: Enter your ‘First Name’, ‘Last Name’, ‘Password’, ‘Confirm Password’, and click the ‘Request OTP’ button.Step 5: Enter the OTP sent to your mobile number and email ID and click ‘Verify’.Step 6: Log in to the Voters' Services portal by clicking the ‘Login’ button, entering your mobile number, password, and captcha and clicking the ‘Request OTP’ button.Step 7:  Enter the OTP sent to your mobile number and click the ‘Verify & Login’ button.Step 8: Click the ‘Fill Form 6’ button under the ‘New registration for general electors’ tab.Step 9: Enter all the details on Form 6, which includes personal details, relatives details, contact details, Aadhaar details, date of birth, address, and declaration. Upload the required documents in the given sections and click the ‘Preview and Submit’ button.Step 10: Check if the entered details are correct and click ‘Submit’.How to Apply for Voter ID Card in Punjab Offline? Step 1: Visit your nearest Electoral Office and request Form 6. Step 2: Enter all the details on Form 6. Step 3: Attach the required documents along with Form 6 and submit it to your nearest Electoral Office. Step 4: A Booth Level Officer may visit your house to verify the details entered in the application. Step 5: Once your details are verified, the office will issue the Voter ID card via post to your registered address. Documents required for Voter ID cardOne recent passport-size photograph.Aadhaar cardPhoto-copies of Proof of Date of Birth document. The following documents can be submitted for Proof of Date of Birth:Birth certificate issued by the competent Municipal authority, local body or Registrar of Births and Deaths  Aadhaar cardPAN card Driving license Certificates of Class X or Class XII issued by the CBSE, ICSE or State education boardsIndian PassportPhoto-copies of Proof of Address document. The following documents can be submitted for Proof of Address:Water, electricity or gas connection bill not older than one year Current passbook of Nationalised bank, Scheduled bank or post office Revenue Department’s Land Owning records, including Kisan Bahi Registered rent or lease deed (In case of tenant) Registered sale deed (In case of own house) PassportEligibility to apply for Voter ID cardIndian citizens who have attained the age of 18 years on the qualifying date, i.e., the first day of January of the year of revision of the electoral roll.The individual should be an ordinary resident in the constituency. How to Check Voter ID Status in Punjab? Step 1: Visit the official National Voter Services’ Portal.Step 2: Click the ‘Login’ button.Step 3: Enter your mobile number, password and captcha code and click the ‘Request OTP’ button.Step 4: Enter the OTP and click the ‘Verify and Login’ button.Step 5: Click the ‘Track Application Status’ tab.Step 6: Enter the reference number, select State as Punjab and click the ‘Submit’ button.Step 7: The voter registration status will be displayed on the screen.The reference ID is available on the acknowledgement slip provided to you when you submit the voter registration application. How to Download the Punjab Voter ID Card Online? Step 1: Visit the official National Voter Services’ Portal.Step 2: Click the ‘Login’ button. Step 3: Enter your credentials and OTP to log in. Step 4: Click on the ‘E-EPIC Download’ tab on the homepage.Step 5: Select the ‘EPIC No.’ or ‘Form Reference no.’.Step 6: Enter the EPIC number or the reference ID number, select the State as Punjab and click on the ‘Search’ button. Step 7: The Voter ID details will be displayed on the screen.

The government raises money for projects by selling bonds. Investors purchase bonds and get returns at fixed interest rate. These bonds help bring stability to investment portfolios, especially when the market is unpredictable. In India, the Reserve Bank of India (RBI) manages different types of government bonds, including floating-rate bonds and savings bonds. This guide will help you understand these bonds and the interest rates RBI bonds offer in 2025.What is an RBI Bond?The Reserve Bank of India issues RBI bonds on behalf of the Indian government.

Foreign exchange reserves are held by a country's central bank, supporting its currency and financial stability. Indian forex reserves, managed by the Reserve Bank of India help in safeguarding the nation's economic interests. These reserves reflect India's resilience and strategic financial planning. Over the years, India's forex reserves have seen significant growth from $29.3 billion in March 1997 to $644.39 billion in December 2024. Keep reading to learn the importance of India's forex reserves in more detail.What is the Forex Reserve of a Country?Foreign exchange reserves are foreign assets held by a country's central bank. These assets are used to support its liabilities, such as the local currency and reserves held by financial institutions or the government.

Nations maintain foreign exchange (or forex) reserves to regulate their currency's worth, facilitate cross-border trade, and uphold financial stability. In Pakistan's case, the country's foreign exchange reserves serve as a crucial asset in managing its currency value, facilitating international trade transactions, and ensuring overall economic stability.Pakistan holds approximately $16,133 million in foreign exchange reserves, as of November 2024, but its outstanding debt continues to increase. While discussions regarding a new government in Pakistan have eased immediate concerns about instability, there is still a significant risk of an economic crisis. Go through this guide, to get a clear idea about the Pakistan forex reserves in 2025. What is the Forex Reserve of Pakistan?Pakistan's foreign exchange reserves encompass all liquid forex reserves, including those held by banks and the State Bank of Pakistan. The State Bank of Pakistan publishes monthly reports on its foreign exchange reserves in USD.

In comparison with other consumer loans, a home loan is a big loan, and even a slight difference in the interest rate can lead to a significant difference in the total interest cost of the loan borrower. Hence, prospective borrowers should compare the interest rates offered by as many lenders as possible before applying for a home loan. However, final interest rates offered to home loan applicants would depend on their credit score, loan amount, occupation profile, employer’s profile, etc. Currently, Union Bank of India and Bank of Maharashtra offer the lowest home loan interest rates, starting from 8.35% p.a. Keep reading to know the home loan interest rates offered by lenders in India in 2025. Top 10 Banks Offering Lowest Home Loan Interest Rates in 2025 Here are the top 10 banks offering cheapest home loan interest rates in India. The table is in ascending order:Name of the Bank Interest Rate Per Annum*Union Bank of India8.35% - 12.65%Bank of Maharashtra 8.35% - 10.90%Bank of Baroda8.40% - 10.60%State Bank of India 8.50% - 9.85%Canara Bank8.40% - 11.75%Karnataka Bank 8.75% - 11.45%HDFC Bank 8.75% - 9.95%ICICI Bank8.75% - 12.05%Punjab National Bank8.50% - 11.45%Tamilnad Mercantile Bank9.45% - 9.95%*Interest rates are valid as of 31 December 2024.Types of Home Loan Interest RatesThere are three types of home loan interest rates in India.