Link Aadhaar with PAN card online

Link Aadhaar with PAN card online

Link aadhaar with pan to keep PAN active and avoid higher TDS or transaction issues. Completing this process ensures smooth financial operations and compliance with government rules.

Rs. 40,000 - Rs. 55 lakh

You may be eligible for a pre-approved personal loan offer

Enter mobile and OTP | Quick online approval | Get money in a day*

What is Aadhaar Card

The Aadhaar card is a unique identification document issued to Indian residents. It contains a 12-digit number and is used for identity and address verification across many services, including banking, taxation, and government schemes.


What is PAN Card

The PAN (Permanent Account Number) card is issued by the Income Tax Department of India. It is mainly used for financial transactions, tax filing, and tracking taxable income.

Linking Aadhar card and pan card is mandatory for taxpayers in India. This process helps prevent duplicate identities and improves transparency in financial systems. Completing the aadhaar and pan card link ensures your PAN remains active for tax filing, banking, and investments. The process is fully online through the Income Tax portal and helps maintain compliance with government regulations.

Show More Show Less

Why is linking your Aadhaar with PAN mandatory?

The government requires taxpayers to link their PAN card and Aadhaar to strengthen identity verification and prevent tax evasion. This integration helps create a unified financial identity system and reduces fraudulent practices. Completing the Aadhaar and PAN card link ensures your financial records remain compliant with regulations.


Reasons why it is mandatory:

  • Eliminates duplicate PAN cards
  • Enhances transparency in tax reporting
  • Strengthens identity authentication
  • Prevents misuse of financial accounts
  • Ensures seamless income tax return filing

Failure to comply may result in your PAN becoming inoperative and restricted for financial use.

Show More Show Less

Consequences of an inoperative PAN card

If you fail to complete the Aadhaar link with pan requirement, your PAN may be declared inoperative by the Income Tax Department. An inactive PAN can significantly affect financial transactions and tax compliance.


Possible consequences include:

  • Inability to file income tax returns
  • Higher rate of TDS deductions
  • Restrictions on high-value banking transactions
  • Difficulty opening new bank or investment accounts
  • Delays in credit or loan processing

Completing the PAN Aadhaar link online on time helps you avoid penalties and ensures uninterrupted access to financial services and regulatory compliance.

Show More Show Less

Latest deadline and penalty fees

To link Aadhaar with PAN, taxpayers must comply within the timeline prescribed by the authorities. Missing the deadline may require payment of a penalty before linking can be completed.


RequirementDetails
Mandatory LinkingRequired for all eligible PAN holders
Standard DeadlineAs notified by the Income Tax Department
Penalty FeeApplicable fee for delayed linking
Mode of PaymentOnline payment through official portal
PAN Status After DelayMay become inoperative until linked

It is advisable to complete the linking process early to avoid financial inconvenience or additional charges.

Show More Show Less

Steps to link Aadhaar with PAN card

The process to link Aadhaar with PAN card is quick and can be completed online through the Income Tax e-filing portal in a few simple steps.


Step 1: Visit the official Income Tax e-filing website
Step 2: Click on the “Link Aadhaar” option
Step 3: Enter your PAN number
Step 4: Provide your Aadhaar number
Step 5: Enter OTP sent to your registered mobile number
Step 6: Submit the request for verification


Ensure that your name, date of birth, and gender match in both Aadhaar and PAN records. Any mismatch may delay or reject the linking process.

Show More Show Less

How to check your Aadhaar PAN link status online

After linking, it is important to verify the Aadhaar and PAN card linking status to ensure the process is completed successfully.


  • Step 1: Visit the official Income Tax e-filing portal
  • Step 2: Click on the “Link Aadhaar Status” option
  • Step 3: Enter your PAN and Aadhaar details
  • Step 4: Submit the information to view the status

The system will instantly show whether your Aadhaar PAN linking is successful, pending, or not completed. Checking the status regularly helps ensure your PAN remains active and avoids issues in financial transactions or tax filing.

Show More Show Less

How to fix your name or date of birth mismatch in Aadhaar and PAN

A mismatch in name or date of birth is a common reason for rejection during the linking process. Ensuring consistent details across documents is essential for successful verification.


To fix mismatches:

  • Verify details on both Aadhaar and PAN
  • Update incorrect information through respective portals
  • Submit a correction request with supporting documents
  • Wait for approval before attempting to link again

Minor spelling variations may require OTP validation, while major discrepancies may need formal correction. Resolving mismatches promptly helps complete the linking process smoothly.

Show More Show Less

Conclusion

Linking Aadhaar with PAN is a crucial compliance requirement that ensures your financial identity remains valid and operational. Completing the process on time prevents your PAN from becoming inoperative and avoids penalties. A properly linked PAN is essential for tax filing, banking transactions, and applying for financial products such as a personal loan. Regularly verifying your link status and correcting mismatches, if any, safeguards your financial credibility. Staying proactive with compliance requirements ensures uninterrupted access to essential financial and credit services.

 

Related link 

Pan Card Name Change How to Get A Personal Loan With Pan Card How to Check Loan Status Using Pan Card 
Check Cibil Score By Pan Card Number How to Link Pan Card In Digilocker How To Get Personal Loan Without Pan Card 
How To Check Pan Card Number By Name Loan App Without Pan Card How To Check Cibil Score Without Pan Card 
Show More Show Less

Key offerings: 3 loan types

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30% p.a.

Processing fees

Up to 3.93% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000