PAN (Permanent Account Number) India ka financial identity number hai. Bank account, income tax return, ₹50,000 se upar ke transactions, property purchase, mutual funds — sab jagah PAN chahiye. Yeh guide PAN se judi har common zaroorat ko cover karti hai.
PAN kya hai aur kaise structure hota hai
PAN ek 10-character alphanumeric code hota hai, jaise ABCDE1234F. Isme pehle paanch letters, phir chaar digits, phir ek letter hota hai. Chautha character card-holder ka type batata hai — 'P' individual person ke liye, 'C' company, 'H' HUF, 'F' firm. Paanchwa character aapke surname ka pehla akshar hota hai. Isliye agar aapka PAN 'P' aur phir aapke surname ke akshar se match nahi karta, to kahin data entry error hui hai.
Naya PAN kaise apply karein
Do official channels hain: NSDL/Protean aur UTIITSL. Dono valid hain, dono ka result ek hi PAN hota hai.
Steps
- Portal par "New PAN — Indian Citizen (Form 49A)" chuniye. NRI ke liye Form 49AA hota hai.
- Application type aur category (Individual/HUF/Company) select kariye.
- Naam, janm-tithi, pita ka naam (ya maa ka naam — ab option hai), address, aur contact details bhariye.
- AO code (Assessing Officer code) — portal aapke pincode se auto-suggest karta hai. Usi ko rakhiye.
- Documents: identity proof, address proof, date of birth proof. Aadhaar akela teenon ka kaam kar deta hai.
- Fee pay kariye — Indian address ke liye lagbhag ₹107 (physical card) aur e-PAN ke liye kam.
- Aadhaar-based e-KYC chuniye to koi physical document bhejna nahi padta; sab OTP se ho jaata hai.
Physical card 15-20 working days mein aata hai; e-PAN aksar 3-7 din mein email par.
Instant e-PAN — 10 minute mein, bilkul free
Income Tax portal ("incometax.gov.in") par "Instant e-PAN" service hai. Shart sirf itni hai ki aapke paas Aadhaar ho, usme mobile linked ho, aur aapke paas pehle se PAN na ho.
- Portal par "Instant e-PAN" → "Get New e-PAN"
- Aadhaar number daaliye, consent tick kariye
- OTP verify kariye
- Aadhaar se details auto-fill hongi — confirm kariye
- e-PAN turant generate hota hai aur PDF download ho jaata hai
Yeh e-PAN poori tarah valid hai — digitally signed, aur har jagah accept hota hai. Fees zero.
PAN correction ya update
Naam, janm-tithi, photo, signature ya address badalna ho to "Changes or Correction in existing PAN" form use kariye. Zaroori baat: correction form mein aapko sirf woh field tick karni hai jo badalni hai. Baaki fields ko chhed diya to unke liye bhi proof maanga jaayega.
Shaadi ke baad surname change ke liye marriage certificate ya gazette notification chahiye. Spelling correction ke liye Aadhaar kaafi hai.
Correction ki fee bhi lagbhag ₹107 hoti hai, aur naya card 15-20 din mein aata hai. Aapka PAN number nahi badalta — sirf card ke details update hote hain.
Aadhaar-PAN linking
Income Tax Act ke section 139AA ke tehat PAN ko Aadhaar se link karna zaroori hai. Agar link nahi hai to PAN "inoperative" ho jaata hai — matlab aap ITR file nahi kar sakte, refund nahi mil sakta, aur TDS zyada rate par katega.
Linking kaise karein
- "incometax.gov.in" par jaaiye
- "Link Aadhaar" par click kariye
- PAN aur Aadhaar number daaliye
- Agar deadline nikal chuki hai to ₹1,000 late fee challan (Minor Head 500) pay karna hoga
- OTP se validate kariye
Status check karne ke liye usi page par "Link Aadhaar Status" hai. Agar naam mismatch ke kaaran linking fail ho rahi hai, to pehle Aadhaar ya PAN mein se ek ko correct karwaiye taaki dono par naam bilkul same ho.
Duplicate ya lost PAN
Agar card kho gaya hai lekin number yaad hai, to "Reprint of PAN card" service se ₹50 mein duplicate mangwaya ja sakta hai. Number bhi yaad nahi? Income Tax portal par "Know Your PAN" / "Verify Your PAN" service se naam aur DOB daalkar pata chal jaata hai.
Kabhi bhi doosra naya PAN apply mat kariye. Do PAN rakhna Income Tax Act ke section 272B ke tehat ₹10,000 tak ke jurmaane ka kaaran ban sakta hai. Agar galti se do PAN ban gaye hain, to ek ko surrender kariye — correction form mein "additional PAN" field mein purana number likhkar.
Common galtiyaan
- Surname aur first name ki jagah badalna. Form mein "Last Name" pehle aata hai. Log ulta bhar dete hain aur card par naam ulta chhap jaata hai.
- Father's name mein initials. Poora naam likhiye, jaise Aadhaar/certificate par hai.
- Signature box se bahar. Physical form mein signature box ke andar hona chahiye, warna reject.
- Photo purani ya blurry. Recent, plain background wali passport photo lagaiye.
- Third-party agent ko documents dena. Agent ₹500-1,500 charge karte hain aur aapke documents unke paas reh jaate hain. Official portal par khud kariye — 15 minute lagte hain.
PAN aur privacy
PAN aapki poori financial identity se juda hai. Isliye:
- PAN card ki photo WhatsApp par forward mat kariye
- Kisi bhi random website par PAN number "verification" ke liye mat daaliye
- Job application mein PAN tabhi dein jab offer letter mil chuka ho
- Saal mein ek baar Form 26AS aur AIS check kariye — usme aapke PAN par hui saari transactions dikhti hain, aur koi anjaan entry ho to turant pata chal jaata hai
Aage kya
Agar aapko ITR file karna hai ya PAN se judi kisi specific situation par salah chahiye, to ek qualified Chartered Accountant se baat kariye. Bharat AI Sathi ek independent guidance platform hai — hum government ya Income Tax Department se affiliated nahi hain, aur hum aapki taraf se koi application file nahi karte.