How to Link PAN Card with Bank Account Number?

The Income Tax Department made it mandatory for all taxpayers to link their PAN with their bank accounts. Knowing how to link PAN with bank accounts is essential for receiving income tax refunds and conducting high-value transactions securely. 

Whether it’s a savings or current account, taxpayers can easily link or pre-validate their bank accounts through the e-filing portal. 

Key Highlights

• PAN can be linked through online or offline modes.
• Net banking and mobile app methods process instantly or within 24 hours.
• Phone banking takes up to 2 days for verification.
• Linking at the branch using a KYC form takes 1–3 working days.

How To Link PAN Card With Bank Account Online?

There are various ways to link your bank account with PAN card online.

Net Banking

Follow 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 Application

Here'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 PAN Card With Bank Account Offline?

Here are the ways to link your Bank Account with Pan card offline:

Phone Banking

• Call 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 Visit

Here’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.

How to Download Acknowledgement for PAN-Bank Link?

Once your PAN has been successfully linked to your bank account, you need to do pan card link with bank account check. 

• Visit your bank's net banking portal or mobile app.
• Go to the PAN linking section (usually under profile or KYC update).
• If the linking is successful, you will see a confirmation message or downloadable acknowledgement.
• Download and save the acknowledgement number of the PAN card for future use, especially for ITR filings.

Benefits Of Linking PAN Card With Bank Account

• Preventing Duplicate Accounts: Linking your PAN with your bank account helps prevent duplicate accounts and ensures a consistent financial identity across all branches.
• Ease of Tax Filing: Linking your PAN with your bank simplifies tax filing and ensures you don’t miss out on eligible tax benefits or deductions.
• Streamlined Tax Refunds: Linking your PAN enables faster tax refunds, directly credited to your bank account, ensuring a smooth and hassle-free process.
• Income Tax Monitoring: The Income Tax Department uses your linked PAN to track your spending against reported income, aiding in audits and tax assessments.
• Mandatory for Large Transactions: For financial transactions above ₹50,000, providing your PAN or Form 60 is mandatory, ensuring smooth and compliant processing.
• Enhanced Security for Large Transactions: Linking your PAN with your bank enhances the security of high-value transactions by adding an extra layer of protection to your financial transfers.
• Access to Government Benefits: Linking your PAN ensures you receive eligible government benefits and subsidies while avoiding higher TDS deductions on certain incomes.
• Combating Black Money: In financial dealings, PAN cards are required to help combat the flow of unaccounted or illegal funds, commonly known as black money.

Understanding how to link PAN card with bank account is important for anyone filing taxes or receiving subsidies. Whether done via online banking, mobile apps, or offline at the branch, the process is simple and helps avoid refund delays. Linking your PAN with your bank account ensures financial compliance and seamless access to government services.

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