How to Link a PAN Card With a Bank Account?

You can link your PAN card with your bank account online or offline to keep your banking and tax records aligned. Banks may offer linking through net banking, mobile apps, ATMs, or branch visits, depending on the service available. You may need your PAN details, account information, and identity verification through Aadhaar OTP or other approved methods. It is important to keep your PAN details updated with the bank to avoid issues with transactions, tax records, or verification. This guide explains the main ways to link PAN to a bank account and the key requirements to follow.

Why should you link your PAN card with your bank account?

Linking your PAN card to your bank account is required under Rule 114B for specified transactions above Rs. 50,000, so it's important to link your PAN to your bank account. The key reasons for the PAN card link with bank account requirement include:

• It helps keep PAN and banking records aligned for tax compliance.
• Linked PAN details can support pre-filled financial information in income tax returns.
• Linking PAN can help identify and prevent duplicate bank accounts.
• It supports smoother processing of specified high-value financial transactions.

Quoting an incorrect or inoperative PAN may attract a penalty of up to Rs. 10,000; keep your PAN details updated and check your credit profile with Bajaj Finance.

How to link your PAN card with a bank account: Step-by-Step

You can link your PAN with your bank account through net banking, a mobile banking app, an ATM, or by visiting your bank branch. If you prefer an online method, Aadhaar OTP-based e-KYC can make the process faster and paperless, where supported. The steps below explain how to link pan card with a bank account online.

How to link PAN card with bank account via net banking

You can link your PAN through your bank’s net banking portal in under 5 minutes.

1. Log in to your bank’s net banking portal.
2. Open the Profile or Account Settings section.
3. Select the option to link or update your PAN card details.
4. Enter your PAN card number and other required details.
5. Submit the request for verification.

The request to link PAN to a bank account may take 24–48 hours to process.

How to link PAN card with bank account via mobile banking app

Yes, you can link your PAN using a mobile banking app if your bank offers this facility.

1. Open your bank’s mobile banking app.
2. Go to Profile, Settings, or Service Requests.
3. Select the PAN update or linking option.
4. Enter your PAN details as requested.
5. Review the information and confirm the request.

The request to link PAN to your bank account may take 1–2 working days to complete.

How to link PAN card with bank account at an ATM

You can link PAN to a bank account at an ATM if your bank provides a PAN-linking facility.

1. Visit your bank’s ATM.
2. Insert your debit card and enter your PIN.
3. Select the option for PAN update or linking.
4. Enter your PAN number and other requested details.
5. Confirm the information to submit the request.

Not all banks support PAN linking through ATMs, so check with your bank first.

How to link PAN card with bank account offline (branch visit)

Visit your nearest bank branch with a self-attested photocopy of your PAN card and a valid ID to link your PAN to your bank account offline.

1. Visit your bank branch.
2. Ask for the PAN linking form.
3. Enter your PAN and account details.
4. Attach your PAN card copy and identity proof.
5. Submit the completed form.
6. Keep the acknowledgement or request reference provided by the bank.

Processing time: The request may take around 3–5 working days after verification.

How to link PAN card with bank account using Aadhaar or e-KYC

e-KYC can be a faster way to link a PAN card with a bank account where your bank supports Aadhaar-based verification. It can also help you complete the process without visiting a branch.

1. Log in: Open your bank’s net banking portal or mobile app.
2. Find the service: Go to Service Requests or Account Services and select PAN linking.
3. Enter details: Provide your PAN and Aadhaar numbers as requested.
4. Verify identity: Enter the OTP sent to your Aadhaar-registered mobile number.
5. Submit: Review the details and confirm the request.

In this process, Aadhaar is used for identity verification and is separate from PAN-Aadhaar seeding on the Income Tax portal.

Benefits of linking your PAN card with a bank account

Linking your PAN card unlocks 4 key benefits, including easier tax filing, smoother high-value transactions, faster refunds, and simpler KYC.

You can check income tax refund status online and link PAN to bank account to keep your financial records updated.