Permanent Account Number (PAN) is a 10-digit unique alphanumeric code/number which is assigned to all taxpaying entities in India. It is also issued to foreign nationals who are entitled to pay taxes to the Indian Government. The government has now made it mandatory for people to link their PAN Card number with bank accounts to do transactions through them and also Aadhaar Card for the purpose of Income Tax Returns
Linking PAN Card with Bank Account through Internet Banking
If you have not linked your bank account with your PAN and also do not have time to visit the bank, you can do it online from the comfort of your home or office. Here is the process that you need to follow:
- Open the website of your bank and go to the internet banking login page
- Enter your user ID and password and login to your internet banking account
- Click on the ‘Service Requests’ option from the range of options on the website
- Select the ‘PAN Card Updation’ option
- Now enter your PAN, date of birth as mentioned on your PAN card, and your registered e-mail address with the bank
- Click on the ‘Submit’ button after rechecking the details that you have entered
- Your PAN will be linked with your bank account in a couple of days
Note: It is worth mentioning that different banks will have a different online portal for linking PAN Card with Bank account. The steps mentioned above are only generic and not specific to any bank.

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Linking PAN Card with Bank Account through Phone
PAN Card can also be linked with your bank account even if you do not have any internet access at home. You will have to call the customer care of the bank and follow the IVR step by step. The steps for the same are mentioned below:
- Call the toll-free customer care number of your bank. You can get it on the bank’s passbook, chequebook, pamphlets, and other documents
- Go through the IVR options and connect with the PAN card customer care executive
- Inform the executive that you want to get your PAN linked with your account
- You will be asked various questions such as your account number, address, debit card number, etc. to verify your credentials
- Tell your PAN to the executive and confirm whether he has marked the correct PAN
- Once registered, your request will take another two days to process and the bank will link your PAN with the bank account
Linking PAN Card with Bank Account Offline
For all those who are not familiar and do not have the access to internet banking or mobile banking, they can visit the nearest bank branch to get the bank account linked with their PAN by following the few simple steps mentioned below:
- Visit the home branch where your account is being operated
- Ask for the PAN updation form (KYC) and fill it completely. Ensure that you do not overwrite or make mistakes in the form
- Submit the following documents:
- PAN updation form (KYC)
- Self –attested copy of your PAN card
- A letter addressing the Branch Manager regarding linking PAN with your bank account
- Once submitted, your PAN would be linked with your operational bank account

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FAQs on Linking PAN with Bank Account Number
Q. Can we link a PAN card to the bank account online?
Ans. Yes, you can link your PAN Card to the bank account online by using your bank’s mobile app or through internet banking.
Q. What happens if the PAN card is not linked with a bank account?
Ans. In case your PAN Card is not linked with a bank account, opening a fixed deposit account, depositing cash more than Rs. 50,000 will not be possible. Moreover, it will also result in TDS getting deducted at 20% if the interest amount of the FD account exceeds Rs. 40,000 which is higher than the current 10%.
Q. Is a PAN card necessary for a bank account?
Ans. Yes, in case you want to open a bank account, you mandatorily have to provide a PAN Card.
Q. How can one know how many accounts he has with his PAN number?
Ans. To know how many accounts are linked to your PAN number, you can log in to the official portal of income tax e-filing and enter your user ID and password and can find the option to verify your bank account details.
Q. In case, I have two bank accounts in the same bank, wilL I have to link both the account with PAN Card?
Ans. Yes, irrespective of the bank accounts in the same account, it is mandatory to link them with PAN Card.
Also Read:
Link Aadhaar Card with PAN Card
Link Aadhaar Card with EPF Account
Link Mobile Number to Aadhaar Card
Link Aadhaar Number to Voter ID Card
Link Driving License to Aadhar Card