Link PAN Card with a Bank Account

How To Link Your PAN Card With A Bank Account?

From taxes to transactions, the ever-changing financial landscape of India can sometimes be tough to navigate. One essential step to keep your financial life simple and streamlined is to link your PAN card with your bank account.

Now, you may be thinking, "Oh great, another complicated financial chore." Well, worry not! While the task may sound daunting, in reality, it's a smooth sailing process. This article aims to remove the shroud of complexity, presenting you with a step-by-step guide on how to link PAN card with bank account. Let's walk this journey together, making your financial life much easier.

Understanding the importance of linking PAN with bank account

Before we delve into the nitty-gritty of a PAN card link to bank account, it's essential to understand why we're doing this in the first place. PAN or Permanent Account Number is a unique identifier issued to all taxpayers in India. It acts as the backbone of several financial transactions, enabling the Income Tax Department to keep track of your monetary dealings. Linking your PAN card with your bank account is thus an imperative step towards an organised financial life.

The significance of a PAN Card: 

It helps the government keep track of your financial activities, making it easier to assess your tax liability. Furthermore, it aids in preventing tax evasion.

Need for linking PAN Card with your bank account: 

This is a mandatory requirement by the Income Tax Department. It enables banks to keep a check on large transactions and assists in tracking taxable income at source.

Consequences of not linking: 

Not linking your PAN card with your bank account can disrupt financial services, including transactions above Rs.50,000.

Eligibility & documents required for linking PAN card to bank account

The process of linking your PAN card with your bank account is pretty straightforward. However, it's essential to know if you're eligible and the documents you need.


If you're a citizen of India and hold a bank account and a PAN card, you're eligible to link the two.

Documents required: 

You need your PAN card (or a copy of it) and the bank account details to link your PAN card.

Accuracy of documents: 

Ensure all the details on your PAN card are correct. In case of discrepancies, get them rectified before linking it to your bank account.

Step-by-Step Guide to link your PAN card with bank account

Now, the moment you've been waiting for – how to link PAN card with bank account online. You can also choose to do this process offline. Here are the steps for both:

A. Linking PAN card via internet banking

  1. Log into your bank's internet banking portal using your credentials.
  2. Locate the 'Service Requests' or 'Update PAN' option in the menu.
  3. Enter your PAN details and verify the information before submitting.
  4. Your request will be processed, and you will receive a confirmation once the linking is successful.

If you choose to open a Savings Account or apply for a Credit Card with Kotak811, your PAN Card will be verified and linked in a few simple steps of the process.

B. Linking PAN card through mobile banking

  1. Open your bank's mobile banking app.
  2. Find the 'Service Requests' or 'Update PAN' option.
  3. Enter your PAN details accurately.
  4. Confirm your details and submit the request. The bank will process it and send a confirmation upon successful linking.

C. Linking PAN card by visiting the bank branch

  1. Visit your bank's branch and request for a PAN updating form (KYC Form).
  2. Fill in the necessary details and attach a photocopy of your PAN card.
  3. Submit the form and a copy of your PAN card at the bank. The bank will then link your PAN card with your account.

At Kotak811, digital account opening are incredibly easy. You can avoid the hassle of paperwork and link your PAN card to your account without breaking a sweat with an e-KYC from wherever you are.

Role of banks in facilitating PAN card linkage

Banks play a crucial role in making the process of PAN card linkage smooth and straightforward. Modern banking services, like those offered by Kotak811, ensure a seamless transition to digital finance.

Ease of process: 

Banks provide multiple channels for PAN card linkage, including internet and mobile banking.

Support for customers: 

Banks offer comprehensive customer support to resolve any issues during the process.

Security of information: 

Banks ensure that your financial information is secure and confidential.

Must Read: How To Open an Online Savings Account

Verifying the status of your PAN card linkage

Now that you've linked your PAN card to your bank account, it's time to verify if the linking has been successful. There are two primary ways to do this - through the income tax e-filing portal or by checking your bank account details.

A. Through the income tax e-filing portal

  1. Visit the Income Tax e-filing portal.
  2. Log in to your account or create one if you haven't already.
  3. Click on 'Profile Settings' and then 'PAN Details'.
  4. You'll be able to see the status of your PAN card linkage with your bank account here.

B. By checking your bank account details

  1. Log in to your bank's internet banking portal or mobile app.
  2. Go to 'Profile' or 'My Details'.
  3. The status of your PAN card linkage will be displayed here.

If you're having any issues or are unable to verify the status, you might be wondering, "how to check PAN card link with bank account" offline. In such cases, you can visit your bank branch or call your bank's customer care for assistance.

Troubleshooting common issues

While the process of linking your PAN card with your bank account is usually straightforward, you may encounter some issues along the way. Here are some common problems and their solutions:

Incorrect PAN details: 

Ensure that all the details on your PAN card are correct. If there are any discrepancies, you can apply for corrections through the NSDL or UTIITSL website.

Unable to see PAN details in your bank account: 

It may take a few days for the bank to update your PAN details. If it's been a while and the details are still not updated, contact your bank.

Issues with online or mobile banking: 

If you're facing technical issues while trying to link your PAN card online, you can visit your bank branch for assistance.


By linking your PAN card to your bank account, you're one step closer to organising your finances. Remember, it's not just about ticking off a box in your to-do list: it's about ensuring that your financial activities are transparent, streamlined and, above all, safe and stress-free.

So, if you haven't already, take the leap today. With our guide on "how to link bank account with PAN card", we hope you'll find the process a breeze. Here's to easier finances and a smoother financial journey.