How to Link PAN Card With Bank Account: Different Methods

Linking your PAN card with your bank account is essential for conducting high-value transactions, receiving tax refunds, and maintaining up-to-date KYC compliance in India. Most Indian banks allow their customers to complete the process digitally within a few working days.

In this guide, we will understand PAN card bank account linking, the required documents, and both online and offline methods. Along with some tips to keep in mind to complete the process in compliance.

How to Link PAN Card With Bank Account Online?

You can link your PAN card to a bank account online via internet banking or mobile banking, or by contacting customer care. Depending on your bank, the exact interface may vary, but the overall process remains the same.

Here's a step-by-step guide for all 3 methods for updating your PAN in a bank account.

Method 1: Link PAN Through Internet Banking

To link your PAN to your bank account through internet banking, follow these general steps.

1. Go to the bank's official internet banking portal.
2. Log in using the User ID and password. If you are new, sign up for it.
3. After logging in, go to Profile> Service Requests > KYC Update or Update PAN Card Number and Details.
4. Choose the option to update or link your PAN.
5. Enter the 10-digit PAN accurately.
6. Verify the information displayed on the screen.
7. Complete the authentication as required.
8. Save or download the provided acknowledgment for future reference.

Method 2: Link PAN Through Mobile Banking Application

To link your PAN card to your bank account through the mobile banking application, follow these general steps.

1. Open your bank's mobile banking application.
2. Log in to the application.
3. Go to the profile, then services, and then to the KYC update.
4. Select Update PAN details.
5. Enter your PAN number
6. Confirm your details
7. Authenticate using the OTP, MPIN, or biometric verification (if applicable).
8. After checking everything, submit the request.
9. Wait for the bank's confirmation.

Method 3: Contact Customer Care

A few recognized banks allow their customers to initiate a PAN update request through customer support. Follow the general steps to do so.

1. Dial your bank's customer care number
2. Listen to the IVR and oik the option that connects you to a customer service executive.
3. After connecting the call, tell the customer service executive that you want to link your PAN card to your savings or current bank bak account.
4. The executive will ask a few security questions to confirm your identity; answer them, such as your account number, registered mobile number, debit card details, and address.
5. Share the correct PAN card details with the executive and ask them to read it back to verify that they have entered it accurately.
6. Note down the complaint number or service request provided by the representative for future tracking.

It takes around two working days for the online linking process to be reflected in your bank records.

How to Link PAN Card With Bank Account Offline?

Linking your PAN card to your bank account offline can be done at your bank branch. Follow the general steps to do so:

Step 1: Visit the home branch of the bank where your account is maintained.

Step 2: Request a PAN/KYC Update Form. Ask the bank representative for:

• PAN Update Form
• KYC Update Form

Next up: fill in the details.

Step 3: Check the filled form for accuracy, then submit it with a self-attested copy of your PAN Card and any other required documents (discussed later in the blog).

Step 4: Next up, you may also need to submit a letter to the branch manager requesting that your PAN card be linked to your Indian bank account.

Step 5: After successful verification, your bank will update your PAN card details.

Documents Required to Link PAN With Bank Account

The requirements can differ between banks and customer situations. You should generally have the following information available:

What are the Benefits Of Linking PAN Card With A Bank Account?

When you link your PAN with your bank account, it provides several benefits, such as.

1: Simplifies KYC Verification

• Helps banks verify you quickly.
• Keeps your customer profile updated.
• Supports faster and better account services.

2: Makes Income Tax Filing Easier

• Correctly linking PAN with a bank account enhances the income tax filing process.
• Further, it helps you maintain consistency and keep all tax-related information.

3: Other benefits include

• Receive your income tax refund directly into your bank account.
• Next, it simplifies your Indian tax returns by automatically matching your financial information and income.
• Lastly, it helps the bank review any unactivated accounts and track daily activities.

An Important Question: Can I Link One PAN to Multiple Bank Accounts?

Yes, you can link one PAN card with multiple bank accounts in your name.

However, this is common for individuals who maintain:

• Salary accounts
• Savings Account
• Current account
• NRE Account
• NRO Accounts
• Joint accounts ( where a PAN is applicable)

PAN Update for NRE and NRO Bank Accounts

NRIs with Indian bank accounts should follow the PAN and KYC requirements applicable to their account type and their bank's current procedures.

An NRO account is among the account types that the Income Tax Department currently lists as eligible for bank-account pre-validation for refund purposes, subject to the applicable requirements.

For NRE or NRO accounts, check the bank's specific requirements before submitting a PAN update. Do not assume that the procedure for a resident savings account is identical to the procedure for an NRI account.

How to Link PAN With Popular Banks?

The following is the process for linking PAN to popular bank accounts. The interface may differ, but the overall process remains the same.

State Bank of India (SBI)

• Log in to SBI Internet Banking or YONO SBI.
• Next, go to the profile or KYC Services
• Select the "Update PAN Details in Bank" option.
• Enter your PAN details.
• Lastly, verify & submit.

HDFC Bank

• Log in to NetBanking or the HDFC Mobile Banking Application
• Then visit the profile update section
• Next, select Update PAN Details
• Lastly, verify & submit your request

ICICI Bank

• First up, log in to the Internet Banking iMobile Pay.
• Next, open the service requests
• Select PAN Update.
• Lastly, enter your PAN and confirm.

Axis Bank

• Start with Axis Internet Banking or the Axis Mobile Application
• Go to Update KYC Details
• Lastly, submit your PAN information

Punjab National Bank (PNB)

• Log in to PNB internet banking to link your PAN card to your bank account. Link your PAN number with your bank account.
• Visit the customer profile section.
• Then, update your PAN information.
• Lastly, submit the request for verification.

Bank Of Baroda

• First, log in to the Internet Banking or the BOB World Application.
• Go to KYC or Profile Update.
• Then, enter your PAN details.
• Lastly, submit your request.

 Canara Bank

• Log in to the Canara Internet Banking.
• Go to the Customer Service section
• Select PAN update
• Lastly, complete verification and submit the request.

How to Check Whether Your Bank Has Updated Your PAN

There is no single public PAN-bank lookup service that works for every bank.

You can generally confirm the update by:

• Checking your bank's profile or customer-information section, if available.
• Checking the bank's KYC or tax-information records through its digital banking service.
• Contacting the bank's customer support.
• Visiting a branch and asking the bank to confirm the PAN recorded against your customer profile.

Things to Look for Before Linking Your PAN

Before you start the process, verify the following.

• Your name on the PAN card matches your bank records.
• The date of birth is correct.
• Your date of birth is correct.
• Enter your PAN number accurately
• The registered mobile number is active.
• Your KYC details are updated.
• Internet banking or mobile banking is activated if applying online.

The Bottom Line

To link your PAN card with a bank account, first determine whether you need to update your PAN in the bank's records or validate the bank account for an income tax refund. Bank-side PAN updates follow the individual bank's procedure, while the Income Tax e-Filing portal provides a separate My Bank Account service for adding and pre-validating eligible accounts.

If validation fails, check your PAN, name, account number, IFSC, KYC information, and registered contact details before requesting re-validation. Most importantly, keep PAN-bank updating separate from PAN-Aadhaar linking, because they serve different purposes.