How to Link your PAN Card to your HDFC Bank Account?

A PAN card is an incredibly important document with a unique 10-digit alphanumeric identification code (containing both numbers and alphabets) issued by the Income Tax Department of India. It is very imperative for you to link your PAN card to your bank account.

Most banks in India allow individuals to link their PAN numbers to their respective bank accounts. HDFC Bank is no different. They offer various online and offline services for the customers to get their PAN card linked to a bank account. Customers can very conveniently update their PAN card number to their HDFC Bank account through Netbanking. The bank also has a mobile app for HDFC Banking which people can use to update their PAN Card number to their account.

HDFC has stated that as per Section 139AA of the Income Tax Act 1961, every individual eligible to obtain an Aadhaar and has a PAN must link their Aadhaar with their PAN by 31st March 2023. Your PAN becomes inoperative if you don’t link your Aadhaar to your PAN by 31st March 2023 and it remains inoperative until linked with Aadhaar. 

How to Link PAN with Bank Account at HDFC Online?

HDFC Bank has made it very feasible and accessible for their account holders to easily link their PAN card with their HDFC Account online from the very comfort of their own house without needing to visit the bank. The steps mentioned below must be followed to get your PAN card linked to your Bank Account at HDFC.

• Open your HDFC internet banking account, visit the Internet Banking HDFC page and Log in.
• Type in your Internet Banking Customer ID and password once you enter the web page.
• Once you’ve entered your Internet Banking account, select the ‘Request’ option present on the left side of the window.
• Click on the ‘Add/ Update Pan number’ option in the drop-down menu under the ‘Request’ option.
• Type your PAN number in the space provided and click on the ‘continue’ option.
• The bank then will send you a confirmation message as soon as your PAN number is updated.

You can also get your PAN card linked to the bank account via the Mobile App: 

• Log in to the Mobile App
• Select the menu button and go to the personal profile page under the tab
• Click Link to Update PAN
• Type in your PAN and then confirm

Please note that the steps mentioned above are specific to HDFC Bank and may not apply to other banks.

How to Link PAN with Bank Account at HDFC on Call?

Your PAN Card can be linked with your bank account even if you don’t have access to the internet at home. Make a call to the customer care hotline of HDFC and follow the IVR steps mentioned below. 

• Call HDFC’s customer care hotline.
• Go through the entire IVR menu while on the call and select the options per your requirements.
• Connect to the customer care executive of HDFC.
• Inform the executive that you want your account linked to your PAN.
• Answer all their customer verification questions asked by the executive.
• When asked, tell them of your PAN card number.

Please note that the steps mentioned above are specific to HDFC Bank and may not apply to other banks. 

How to Link PAN with Bank Account at HDFC Offline by Visiting the Branch?

You can get your PAN card linked to an account by visiting your nearest branch following the below-mentioned steps.

• Visit the nearest branch where you have an active account
• Ask the bank for a PAN card number linking form
• Fill out the form with the required details asked. Make sure you fill in the accurate information.
• Then, submit the form to the bank executives; the officials might even ask to see your PAN card, so ensure to bring it with you while visiting the bank.
• You will immediately receive an update from the bank when your PAN card gets linked to your account. 
• Usually, your PAN number is updated within a week, and the confirmation is sent to the customer irrespective of whether the update is done online or offline. It is necessary to remember that only individuals are allowed to avail the online method for PAN card linking. Companies, Firms, Associations, HUFs and other non-individual entities must visit their nearest HDFC Bank branch to link their PAN card to their Bank account.

Please note that the steps mentioned above are specific to HDFC Bank and may not apply to other banks. 

Is PAN Card Mandatory for Opening Bank Account? 

It is not mandatory that you must have a PAN card to open a bank account. You can use the Aadhaar Card or Form 60 for this. Read on to know more about Aadhaar Card and Form 60. 

Under Section 139A of the Income Tax Act, 1961, a PAN card is a must for those with taxable income and those who carry out high-value financial transactions or withdrawals in the bank. However, the income tax department also provides two alternative solutions for those who do not own a PAN card or whose PAN number is not readily available at the time. 

Aadhaar Card

Those who don’t have a PAN card but have an Aadhaar card are allowed to present their Aadhaar Cards in lieu of their PAN. The Income Tax Department automatically generates a PAN linked to the Aadhaar card in such cases. Those who’ve been allotted the PAN can also use their Aadhaar number, provided that the two have already been linked.

Form 60

Individuals who do not have a PAN card can fill out Form 60 under the Income Tax Rules, 1962. Form 60 is a signed declaration stating that you do not have a PAN card and your income is unis the prescribed taxable limit. Form 60 also seeks your income details.

If you’ve already applied for PAN and it is yet to be delivered, you can fill out this form only after giving the PAN card application acknowledgement number. 

While opening an account at HDFC, the PAN card is usually listed as one of the required documents that you have to present to the bank executives when asked, but you can present Form 16, a certificate asserting that it has been issued by your employer, marking that the TDS has been deducted from your salary.

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