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PAN API

PAN (Permanent Account Number) is a 10-character identifier issued under India’s income-tax framework and is widely used as a primary identity proof in financial onboarding. Use this API to verify PAN details, validate holder identity (name and DOB match), check Aadhaar seeding status, and confirm PAN–Aadhaar link status for faster KYC, onboarding, and fraud prevention. This product includes two consent-based APIs:
  • Verify PAN Details: Validate PAN status, match holder details (name/DOB), and return Aadhaar seeding status
  • PAN–Aadhaar Link Status: Check whether a PAN is linked to a specific Aadhaar number with a clear status message

Instant PAN validation

Verify PAN status and match user-provided name and date of birth against PAN records for real-time identity validation.

Aadhaar link status

Check whether a PAN is seeded or linked to an Aadhaar number for compliance and tax-filing readiness.

Consent-based verification

Both APIs require end-user consent and reason for verification, aligning with KYC privacy standards.

Fraud prevention signals

Detect mismatches early with name/DOB validation and reduce fake or incorrect PAN submissions.

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How it works

1

Collect details and consent

Capture PAN, name, DOB (and Aadhaar if checking link status), and obtain user consent for verification.
2

Verify PAN details

Call Verify PAN Details to validate PAN status, match holder name and DOB, and retrieve Aadhaar seeding status.
3

Check PAN–Aadhaar link status (optional)

If your workflow requires it, call PAN–Aadhaar Link Status with PAN and Aadhaar number to confirm linking.

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What you can do

Validate PAN for onboarding

Programmatically verify PAN validity and match user-provided details for account opening, lending, investments, and merchant onboarding.

Reduce fraud and mismatches

Use name/DOB match signals and Aadhaar seeding checks to detect incorrect or fake PAN submissions early.

Automate compliance checks

Replace manual portal lookups with API-based verification for faster, audit-friendly KYC operations at scale.

Check tax-filing readiness

Confirm PAN–Aadhaar linking status to ensure users meet tax-filing prerequisites and regulatory requirements.

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API reference

Verify PAN Details

Validate PAN status, match holder name and DOB, and retrieve Aadhaar seeding status.

PAN–Aadhaar Link Status

Check whether a PAN is linked to a specific Aadhaar number with a clear status message.

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Integration

Integrate directly from your backend server to perform verification during onboarding, periodic re-verification, or compliance checks. See Authentication for request setup and Error codes for troubleshooting. Performance tip: The Verify PAN Details endpoint supports an optional cache-accept header (x-accept-cache) for faster responses in repeat-verification scenarios.

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Common use cases

Use PAN APIs when you need to:
  • Validate customer identity during banking/NBFC account opening
  • Perform KYC checks in fintech onboarding (wallets, lending, investments)
  • Verify employee/contractor identity in HR onboarding
  • Check PAN–Aadhaar link status for tax-filing readiness or policy-based onboarding gates
  • Reduce manual verification delays and improve conversion

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Frequently asked questions

PAN verification (also called PAN validation or PAN card verification) is the process of checking whether a Permanent Account Number (PAN) is valid and whether user-provided identity details like name and date of birth match the records maintained under India’s income-tax framework. Use the Verify PAN Details API to perform this check programmatically.
PAN–Aadhaar linking is treated as mandatory for many PAN holders under India’s Income Tax regulations. Non-linking can potentially lead to PAN becoming inoperative, subject to applicable rules and notifications. The Income Tax Department provides a Link Aadhaar flow and Link Aadhaar Status check on the official e-Filing portal. Businesses use the PAN–Aadhaar Link Status API to verify linking during onboarding or for tax-filing readiness.
The Verify PAN Details API supports an optional cache-accept header (x-accept-cache) to retrieve cached results when available, enabling faster responses in repeat-verification scenarios. Check the endpoint documentation for header usage and cache behavior.