How Do You Link Your PAN with Your Bank Account?

Why does your bank need your PAN?

Your bank keeps your PAN on its own record of your account. It needs it for four main reasons.

Banks start TDS on deposit interest once it crosses a yearly limit. Under section 393(1) of the Income-tax Act, 2025, that limit is ₹50,000 a year, or ₹1 lakh for senior citizens. The full list of PAN transactions is in our guide to where PAN is mandatory.

How can you check if your PAN is linked with your bank account?

There's no single public "PAN–bank status" page. Use any of these checks.

• Net banking or app profile: many banks show your PAN, partly masked, in the profile or KYC section.
• Pre-validation on e-Filing: if you add the account and the PAN isn't linked, the portal says the PAN–bank link failed. If it shows Validated, the link is fine. See the steps below.
• Form 26AS or AIS: TDS your bank deducted on interest should appear against your PAN in Form 26AS or the Annual Information Statement (AIS) on e-Filing. If it's missing, the bank may not have your PAN. Both download as locked PDFs; our file unlock tool opens them in your browser.
• TDS certificate or statement: a TDS certificate from your bank shows the PAN it used.
• Ask the branch or the bank's official customer care. They can confirm the PAN on record.

What are the ways to link or update PAN with a bank account?

The options depend on your bank. Menu names and channels differ, so check your bank's own website.

Some banks may offer other channels too. Use only channels listed on your bank's official website.

How do you update PAN through net banking or the app?

These are general steps. Your bank's labels may be different.

1. Log in to net banking or the app

   Type your bank's web address yourself, or open the app you installed from the official store. Don't use links from SMS or WhatsApp.

2. Find the PAN or KYC section

   Look under the profile, KYC, "update details" or service request menus. The name varies from bank to bank.

   If there's no PAN option: your bank may accept PAN only at the branch. Use the branch steps.

3. Enter your PAN carefully

   A PAN has 5 letters, 4 digits and 1 letter, like ABCPK1234X (a dummy number). Some banks also ask for your name or date of birth as on PAN.

4. Confirm with OTP and submit

   Enter the OTP sent to the mobile number registered with the bank. Note any request or reference number.

   If the bank says the PAN can't be verified: your name or date of birth may not match your PAN record, or the PAN may be inoperative. See name mismatch.

5. Check that the update went through

   Some banks update at once. Others take a few working days. Check your profile again later.

   You'll know it worked when your PAN shows in the profile, or the bank sends a confirmation SMS or email.

How do you link PAN at the bank branch?

Going to the branch works for every bank. It's also the way to fix a name mismatch.

1. Take your PAN and a self-attested copy

   Carry the original PAN card or a printout of your e-PAN, a photocopy signed by you, and your passbook or account number. An e-PAN is a digitally signed electronic PAN.

2. Fill the bank's update form

   Banks use their own form, often called a KYC update or PAN update form. Some ask for a short written request instead. Write the account number and PAN clearly.

3. Check the name on the account

   Compare the name on your passbook with your PAN. If they differ, ask the bank to update the account name at the same visit.

4. Submit and keep the acknowledgement

   Hand in the form and the copy. Ask for a stamped acknowledgement or a reference number.

   You'll know it worked when the PAN appears in your net banking profile, or the branch confirms it is on record.

   If nothing changes after some days: go back with your acknowledgement and ask the branch to check the request.

5. Ask for TDS to be corrected, if needed

   If the bank already deducted TDS at a higher rate, ask whether it can be adjusted. If not, you can generally claim the extra TDS in your income tax return.

How do you pre-validate your bank account for income tax refunds?

The e-Filing portal sends refunds only to a bank account that is validated and nominated for refund. Pre-validation checks that the PAN is linked to that account and the name matches. You need an e-Filing login, the account number and IFSC, and a way to e-verify (Aadhaar OTP, net banking or a DSC, depending on your login).

1. Log in and open My Bank Account

   Log in at incometax.gov.in. Go to My Profile, then My Bank Account. You'll see tabs for Added, Failed and Removed Bank Accounts.

2. Add the bank account

   Click Add Bank Account. Enter the account number, choose the Account Type and Holder Type, and enter the IFSC. The bank name and branch fill in by themselves.

3. E-verify the request

   Click Proceed to E-Verify, choose an option and click Continue. Enter the OTP.

   You'll know it worked when a success message appears on screen.

   If the Aadhaar OTP doesn't come: it goes to the mobile linked with your Aadhaar. Pick another e-verify option, or update your mobile in Aadhaar.

4. Watch the status

   Check the Status column in the Added Bank Accounts tab. It shows Validation in progress first, then Validated (or Validated and EVC enabled). The portal's FAQs say the status should update within 10–12 working days.

   If the account moves to Failed Bank Accounts: the PAN may not be linked, or the name may differ. Fix it at the bank and click Re-Validate. If it says Validation cannot be done, the bank isn't integrated with e-Filing or NPCI; add an account at a bank that is.

5. Nominate the account for refund

   Turn on the Nominate for Refund switch for the validated account and click Continue. Allowed types are Saving, Current, Cash Credit, Overdraft and Non-Resident Ordinary (NRO).

   You'll know it worked when the switch moves to the right.

If a refund failed, for example because the account was closed, you can raise a Refund Reissue request on e-Filing. You need a validated bank account for it. Logging in with Aadhaar as your user ID works only if your PAN and Aadhaar are linked. For e-Filing help, call 1800 103 0025.

What if your bank name doesn't match your PAN?

The e-Filing portal compares the account holder's name with your PAN record. A different spelling, missing middle name, or initials can make pre-validation fail. Common examples: "R. Kumar" in the bank and "Rakesh Kumar" on PAN, or a maiden name in one and a married name in the other.

Use Verify PAN Status on e-Filing to see whether your PAN details are active and match. It needs PAN, name, date of birth and mobile, and only shows information. How to verify a PAN →

What happens if your PAN isn't linked, or is inoperative?

An inoperative PAN becomes operative again within 30 days of linking it with Aadhaar, after the ₹1,000 late fee. The full effects and fix are in our inoperative PAN guide.

What if you don't have a PAN?

Form 97 is the declaration for people without PAN in certain transactions under Rule 159. It replaced Form 60 on 1 April 2026. You can use it to open a normal savings or current account, or for fixed deposits. You can't use it for cash deposits of ₹10 lakh or more in a year, and companies and firms can't use it. The full rules are in where PAN is mandatory.

Basic Savings Bank Deposit accounts are left out of the Rule 159 list. If your income is taxable, apply for a PAN. Most adults with Aadhaar can get a free Instant e-PAN. Otherwise, apply on Form 93 (₹107 with a printed card, ₹72 for e-PAN only). Not sure if you already have one? Find your PAN number before applying.

What can go wrong, and how do you fix it?

Bottom line

Give your PAN to every bank you use, through net banking, the app or the branch. Make sure your PAN is operative and your bank name matches it. Then pre-validate and nominate one account on e-Filing so refunds reach you. For e-Filing help, call 1800 103 0025. For PAN card issues, call Protean on 020-27218080.