Quick Steps to Link PAN With Bank Account Online and Offline
Linking your PAN card with your bank account is now a basic requirement for smooth banking and tax compliance in India. If your PAN is not linked, you may face problems while filing income tax returns, receiving refunds, or carrying out certain banking transactions. For most people, the free deadline to link PAN with Aadhaar ended on 31 December 2025. An unlinked PAN becomes inoperative and cannot be used unless a late fee of ₹1,000 is paid. After payment, it may take a few days for the status to update. This guide explains how to link your PAN with your bank account using both online and offline methods.
How to Link PAN With Bank Account Online
You can link your PAN with your bank account online using digital banking services.
Link PAN With Bank Account Through Net Banking
You can update and link your PAN details by logging in to your bank’s net banking portal.
Step 1: Visit the official website of your bank using a secure browser.
Step 2: Log in to your net banking account using your user ID and password.
Step 3: After logging in, you need to go to the Profile, KYC, or PAN update section available on the dashboard.
Step 4: Enter the required details exactly as mentioned on your PAN card.
Step 5: Review the information and submit the request to complete the PAN linking process.
Once submitted, the bank verifies the details and confirms successful linking through SMS or email.
Link PAN With Bank Account Using Bank Mobile Application
Most banks allow PAN linking directly through their official mobile banking application.
Step 1: Open your bank’s mobile banking app on your phone. If you don’t have it, it is important to download it from the Play Store or App Store.
Step 2: Log in and go to the Profile, Service Request, or e-Services section.
Step 3: Look for an option related to PAN update or PAN linking.
Step 4: Enter the required details, such as PAN number, account holder name, and date of birth. The information required may differ from bank to bank.
Step 5: Submit the request after reviewing the entered details.
Step 6: You may receive a one-time password on your registered mobile number for verification.
Step 7: Enter the OTP to authorise the request.
Step 8: After verification, the bank system processes the request and confirms successful PAN linking through SMS or email.
How to Link PAN With Bank Account Offline
Below are the most commonly used offline ways to link your PAN with your bank account.
Link PAN With Bank Account Through Phone Banking (Customer Service Calling)
You can link your PAN with your bank account by calling your bank’s customer care service.
Step 1: Call the toll-free customer care number of your bank. You can find this number on your passbook, cheque book, debit card, or official bank website.
Step 2: Follow the IVR instructions and choose the option to speak with a customer care executive.
Step 3: Once connected, you should clearly inform the executive that you want to link your PAN with your bank account.
Step 4: For verification, you have to provide the required details such as your account number, registered mobile number, address, or debit card details.
Step 5: Share your PAN number carefully and confirm that the executive has noted the correct PAN.
Step 6: After your request is registered, the bank usually takes one to two working days to complete the PAN linking process.
You will receive an SMS or call confirmation once the PAN is successfully linked.
Link PAN With Bank Account by Visiting the Branch
If you prefer in-person assistance, you can visit your bank branch to update your PAN details.
Here is the simple process that you should follow:
Step 1: Visit your home branch where your bank account is maintained.
Step 2: Ask the bank staff for a PAN update form or a KYC update form.
Step 3: Fill in all required details carefully, including your account number and PAN number.
Step 4: You must attach a self-attested photocopy of your PAN card with the form.
Step 5: In some banks, you may also be asked to submit a short written request addressed to the branch manager for PAN updation.
Step 6: Submit the completed form at the counter and collect the acknowledgement slip if provided.
The bank generally completes the linking process within a few working days.
Link PAN With Bank Account Through ATM
Some banks also provide the option to link PAN through their ATM services.
Step 1: You have to visit the nearest ATM of your bank.
Step 2: Insert your debit card and enter your ATM PIN.
Step 3: Select the option for Service Request or Account Services on the screen.
Step 4: Choose the option to update or link PAN details.
Step 5: Enter your PAN number and other required information as prompted.
Step 6: Confirm the details displayed on the screen.
Step 7: Once submitted, the request is registered, and the bank processes it within a few working days. You will receive an SMS confirmation after your PAN is successfully linked with your bank account.
PAN Card Link With Bank Account Check
After your PAN has been linked with your bank account, it is important to verify the linking status to avoid issues during financial transactions or income tax filing.
- Visit your bank’s net banking portal or open the official mobile banking application.
- Log in using your registered credentials.
- Go to the Profile, PAN linking, or KYC update section.
If the PAN is successfully linked, a confirmation message or status update will be displayed on the screen.
In some banks, you may also be able to download an acknowledgement or reference number.
- Download or note the acknowledgement number and keep it safely for future reference, especially while filing income tax returns.
Benefits of Linking PAN With Bank Account
Linking your PAN with your bank account ensures smooth banking, correct tax reporting, and uninterrupted access to financial services.
- Helps With Tax Filing and Refunds
When PAN is linked, your income details are correctly captured during income tax return filing. This reduces errors and helps tax refunds reach your bank account faster.
- Makes Banking Transactions Smooth
PAN linking is required for large cash deposits or withdrawals above ₹50,000. It also allows online payments, card usage, and money transfers without repeated KYC checks. Investments such as mutual funds and demat accounts also work smoothly when PAN is linked.
- Prevents Higher TDS Deduction
If PAN is not linked, banks may deduct a higher Tax Deducted at Source on interest earned. Linking PAN ensures tax is deducted at the correct rate.
- Improves Security and Verification
A linked PAN makes it easier to get loans, credit cards, and benefits under government schemes. It also helps banks keep records updated and reduces the chances of fraud.
Want to understand how PAN linking fits into complete KYC compliance?
Read our detailed guide on CKYC India to learn how Central KYC works, why PAN is mandatory, and how it simplifies banking, investments, and loan approvals.
Disclaimer– The rankings and figures in this article have been compiled from multiple verified reports, credible news sources, and public financial data available as of 2026.
All values are approximate and may vary with newer updates, revisions, or changes in official records.
Link PAN with Bank – FAQs
You can link your PAN through your bank’s internet banking portal under the Profile or Service Request section. Enter your PAN details, verify the information, and submit the request for processing.
Log in to your bank’s internet banking account and check PAN status under profile details. You can also verify it on the Income Tax e-filing portal under the My Bank Account section.
PAN linking through online banking or a branch usually takes two to seven working days. If PAN was earlier inoperative, the status update may take longer.
The deadline to link PAN with Aadhaar was 31 December 2025 for specific cases. Other PAN holders must pay a penalty to reactivate an inoperative PAN.
A penalty of ₹1,000 is charged for late PAN and Aadhaar linking. An unlinked PAN becomes inoperative and attracts higher TDS and transaction restrictions.
Banks generally take two to seven working days to process PAN linking requests. If PAN was inoperative, reactivation can take up to thirty days after penalty payment.
