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Aadhaar Card Linking with PAN Card | Do It Online

Having an Aadhaar Card is very important for Indians as the Aadhaar is considered as the most important official document introduced by the Government. Recently, the Government of India has made Aadhaar mandatory to link with every important official document and other Government Schemes and Services such while opening a Bank Account or linking your bank accounts or in Income Tax Filing or Aadhaar Linking with the SIM Cards. An Aadhaar Card carries many important details of a person such as the fingerprints, Iris Details, and other information.

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The Supreme Court has made it mandatory to link Aadhaar with PAN Card for Income Tax Filing, the court made its decision on 6th February 2019. Your Income Tax Return will not process until you link your Aadhaar Card with Permanent Account Number (PAN). So, if you are carrying a bank transaction of Rs 50, 000, then it is mandatory to link Aadhaar ID with PAN. The deadline date of linking your PAN with Aadhaar is 31st March 2019. 

How To Link Aadhaar Card With PAN Card Click Here

The Government has announced that the Aadhaar Card should be linked with PAN Cards by the end of 31st March, 2019.

A PAN is otherwise called as Permanent Account Number (PAN) card. It is a 10-digit unique character code performs various transactions. The PAN Card is issued to all the tax paying entities in India. It is issued by the Income Tax Department, the card links all the transactions that attract the tax under a single source, making it convenient for the Government to keep a track of the record.

You can file for Income Tax Returns using the PAN Card. It also serves as an Identity and Age-Proof as well as Address Proof. In this article, we will be discussing the various procedures to link Aadhaar with the PAN Card and its Importance and much more.

Various Facilities Provide By The UIDAI Official Website
Aadhaar Card Information Click Here
Check Aadhaar Card Status By Name Click Here
Update Aadhaar Card On SSUP Click Here
Aadhaar Card Correction Online Click Here
Change Aadhaar Card Address Without Mobile Number Click Here
Download Aadhaar Card By Enrolment ID  Click Here 
Download Aadhaar Card By Aadhaar Number Click Here
Download Aadhaar Card By Name & Date Of Birth Click Here
Check UIDAI Official Website Services Click Here
Link Aadhaar Card With Bank Account Click Here
Re-Apply For Lost PAN Card Click Here

Aadhaar Seeding with PAN Card using SMS

The Income Tax Department has declared that the taxpayers can link their PAN Cards with the Aadhaar Card through SMS.

The SMS Format to Link Aadhaar with the PAN is:

Send SMS to 567678 or 56161 in the following format.

UIDPAN<12 Digit Aadhaar><10 Digit PAN>


UIDPAN 3421342112341234AAAAAE12EE

The Department issued the formats in different newspapers as Ads across the country and explained how both the Unique Identity Numbers can be linked just by sending an SMS.

Aadhaar Linking With Pan Online Using Official Portal

People can also visit the Official e-Filing website(incometaxindiaefiling.gov.in) of the Income Tax Department to seed both the documents. Linking these two documents can help you to get the tax facilities available online.

Procedure of Linking PAN with Aadhaar Card from Online Portal

For Linking a PAN Card with an Aadhaar Card, the taxpayers have to register on the Income Tax e-Filing Portal first.

Once you have completed the registration process, follow the below steps for further procedure.

  1. Log in to the e-Filing Portal of the Income Tax Department by entering the User ID and Password and the Date of Birth.
  2. Register yourself. The PAN Card will be your User ID.
  3. After logging in the site, using your User ID, Password and Date of Birth, a Pop-up window appears prompting you to link your Aadhaar with the PAN Card.
  4. Details such as Name, Date of Birth and Gender will be already mentioned as per the details that are submitted during the time of the registration on the e-Filing Portal.
  5. Enter the 12-digit Aadhaar Number as well.
  6. The details that are displayed on the screen (Aadhaar card) is then verified.
  7. Enter the Captcha Code displayed and click on “Link Aadhaar”.
    Aadhaar Linking Income Tax Site
    Aadhaar Linking Income Tax Site
  8. If the details match, then enter your Aadhaar number and click on the “Link Now” button.
  9. A Pop-up message denotes that your Aadhaar ID is now linked with PAN Card.

Aadhaar Seeding with PAN through the PAN Application Form

The Aadhaar number can also be fed in the PAN Database during the new PAN Allotment. You can feed your Aadhaar number in the PAN Application. Once the UIDAI verifies the information, the linking will be completed. The individuals will receive an OTP from the registered Aadhaar Database on their registered mobile number. Enter the OTP and your Aadhaar Card will get linked with the PAN Card.

Importance of Linking a PAN Card with Aadhaar Card

Both the PAN Cards as well as the Aadhaar Card serves as the Identity Proof which is necessary for the registration and verification purposes.

The Government has urged all the entities to link their PAN Cards with Aadhaar Cards. The Benefits of Linking Aadhaar Card with PAN Card is as follows-

  1. Prevents Tax Evasion:

By linking the Aadhaar Card with the PAN Card the Government will be able to keep the record of the taxable transactions of a particular individual or entity, whose identity and address will be verified from his/her Aadhaar card.

  1. Multiple PAN Cards:

Linking a PAN Card with an Aadhaar will reduce the occurrence of the individuals who are applying for a multiple number of PAN Cards. This will also lead to stop defrauding the Government and avoid paying taxes.

By linking the Aadhaar with the PAN Card, the Government will be able to link the Identity of an entity through his/her Aadhaar card and will have the details of the Financial Transactions made through the linked PAN Card. If there are a multiple number of PAN Cards registered under the same name then the Government will be able to identify them and will take serious decisions to correct them.

  1. Ease in Filing the Income Tax Returns:

The entities who have linked their Aadhaar with the PAN Card will be able to file their e-Returns Online quickly. Linking your identity numbers will skip the step of submitting the Income Tax Acknowledgement to the IT Department. Doing this will reduce the risk of messing up the process.

Correction Facility Launched by the Income Tax Department

The Income Tax Department has launched an online correction facility for correcting the names and other information present in the Aadhaar document and PAN Card. They have introduced two hyperlinks on the official website for e-filing tax. One link redirects to the application page for the Permanent Account Number and the other link redirects you to the page where you can update all the necessary changes.

If you want to update any Aadhaar details, then you can simply log on to the Aadhaar SSUP (Self- service Update Portal).

Frequently Asked Questions

Is it necessary to get an Aadhaar Card or get it linked to the PAN, even if you don’t come under the Tax Bracket

Yes, it is necessary to get an Aadhaar card, as the Government has made the Aadhaar card compulsory. You will be receiving various benefits in different Government Schemes. So it is advisable to link your Aadhaar card with the PAN Card.

Do the NRIs in India have to link their PAN Card as well?

The requirement of allocating Aadhaar with the PAN card came into an effect from 1st of July 2017. The Non-Indian Resident Indians do not have to link their PAN Cards with Aadhaar.

Is it mandatory to create an account on the department website?

No, it is not necessary to create an account on the Department website. There is a direct link available where you can link your Aadhaar with the PAN Card easily.

How long does the OTP be valid that is sent by the Aadhaar Database?

The One Time Password is valid only for 15 minutes.

How can I change the Mobile Number that is registered with Aadhaar?

You can stay connected with UIDAI helpdesk by sending the e-mail at authsupport@uidai.gov.in or you can contact the toll-free number which is 1800- 300-1947.

Can Aadhaar Card be de-linked?

No, there is no option to d-link your Aadhaar card once it has been updated on the e-filling page.

Is it necessary to submit any Documentary Proof to Link PAN with Aadhaar?

No, you are not required to submit any documents while linking your PAN Card with Aadhaar. You just have to check whether the PAN information mentioned on the website matches your Aadhaar card.

What are the details that need to get checked while linking the PAN with Aadhaar?

While linking your PAN with the Aadhaar, make sure that your Name, Date of Birth and Gender displayed on the Income Tax website tallies the details mentioned on your Aadhaar Card.

PFRDA looking at ways for minors to open an account under NPS

PFRDA (Pension Fund Regulatory and Development Authority) is looking at ways for the minors to be able to open an account under the National Pension Scheme (NPS). The authority will also scrutinize the legal procedures and examine the legal aspects which are associated with the matter.


On the matter, Hemant Contractor, Chairman of PFRDA said

We are looking at the possibility of allowing minors to join NPS because in some countries it is allowed. So we are looking at that issue.

He also added that there are legal procedures involved for allowing minors to open such an account is concerned and the PFRDA is looking at ways to sort it out.

There are legal issues like a minor’s capacity to enter a contract. Under the law, minors cannot enter into a contract. Another issue is whether they can discharge their responsibility under the contract. So we are trying to find out how to get around those issues.

When asked about the time – span needed to have some light on the matter he said, PFRDA will forward this matter to the finance ministry once the internal discussion is done.

Further, he said 

We are looking at it very closely at it very closely, maybe in 2 – 3 weeks something concrete may come up.

National Pension Scheme or NPS is a contribution pension scheme which is administered and regulated by the Pension Fund Regulatory and Development Authority (PFRDA) which is a body created by an act of Parliament. This scheme offers a large variety of investment options to its employees. And the main objective of the scheme is to lower the liabilities of the Government of India with regards to total pension as well as to ensure that the country’s citizens would earn a stable income following their retirement along with helping them earn decent returns on their investments.

And NPS is designed for the government as well as the private sector employee. And on the other hand, APY (Atal Pension Yojana) mainly caters to those belongs to the unorganized sector.

According to the sources, the complete subscriber base of the pension regulator was 1.81 crore as on 31st October this year. And there were 1.54 crore subscribers at the end of the fiscal ended March 2017.

UIDAI introduces ‘Virtual ID’ to strengthen the privacy & Security of Aadhaar data

Government’s flagship program Aadhaar is surrounded by many privacy issues. Recently, UIDAI (Unique Identification Development Authority of India) introduced a new concept of ‘Virtual ID’ which Aadhaar card holders can generate from its website and give for various purposes which include SIM verification, instead of sharing the actual 12 – digit biometric ID.

By opting this method, users can refrain themselves from sharing their Aadhaar number at the time of authentication.

Now, for any kind of verification process 12 digit Aadhaar number is needed. However, once ‘Virtual ID’ comes into the play, which would be a random 16 – digit number together with biometrics of the users would give any authorized agency like a mobile company, limited details like name, address and photograph, which are enough for any verification.

UIDAI official confirmed that a user can generate as many virtual Ids he wishes as upon generating a new ID, the older one automatically gets cancelled.

Another measure that has been introduced by UIDAI along with ‘Virtual ID’ is ‘limited KYC’ (Know Your Customer) under which it will only provide need-based or limited details of a user to an authorised agency that is providing a particular service, for example, a telecom.

It is also important to note that a virtual ID is not ‘permanent’ like Aadhaar number; it will be a temporary 16 – digit number which will be mapped to a person’s Aadhaar number which can be cancelled or revoked any time. The Aadhaar issuing body will start accepting it from March 1, 2018.

From June onwards it will be compulsory for all agencies that undertake authentication to accept the Virtual ID from their users.

Agencies those who will not adapt to this new system by the given deadline will have to face financial obstruction.

Aadhaar number holder can use Virtual ID in lieu of Aadhaar Number whenever authentication or KYC services are performed. Authentication may be performed using the Virtual ID in a manner similar to using Aadhaar number
A UIDAI circular said.

UIDAI has taken this move in order to strengthen the privacy and security of Aadhaar data that comes amid heightened concerns around the collection and storage of personal and demographic data of individuals.

Recently back, Supreme Court has passed a historic judgement that Right to Privacy is a fundamental right guaranteed under Article 21 of the Indian Constitution.

Right to Privacy is an integral part of Right to Life and Personal Liberty Guaranteed under Article 21 of the Constitution

To read more about the verdict you can also read https://rupeenomics.com/verdict-aadhaar-right-privacy-case/

The users will have to visit the official website of UIDAI in order to generate their Virtual ID which will be valid for a defined of time, or till the user decides to change it.

According to the UIDAI, agencies that undertake authentication would not be allowed to generate the Virtual ID behalf of Aadhaar holder.

As many as 119 crores biometric identifiers have been issued so far and Aadhaar is required as an identity proof of residents by various government and non-government entities.

For instance, the government has made it mandatory for verifying bank account and PAN to weed out black money and bring unaccounted wealth to book. The same for SIM has been mandated to establish the identity of mobile phone users.

PMVVY – Pension Scheme Launched for Senior Citizen with 8% Interest Rate

PMVVY – Pension scheme Launched for senior citizen with 8% rebate Pradhan Mantri Vaya Vandhan Yojana (PMVVY) was earlier announced by PM Narender Modi and this much-awaited scheme finally came into being on 21st July 2017.
The Government launched this new pension scheme exclusively for the senior citizens in the 2017-18 Union Budget. Under which the policy will provide a guaranteed return of 8% for 10 years. Finance Minister Arun Jaitley said PMVVY will provide a respectable rate of return to senior citizens at a time when interest rates will fall globally.

Highlights of the PMVVY scheme

  • The scheme is available exclusively for the senior citizens aged 60 years and above which is available from May 4, 2017, to May 3, 2018.
  • The scheme assures pension based on a guaranteed return of 8% which is equivalent to 8.30% per annum for 10 years with an option to opt for the pension on a monthly/quarterly/half-yearly or on annual basis.
  • Through Life Insurance Corporation (LIC) the scheme can be purchased online as well as offline in the current financial year.
  • The pension shall be through National Electronic Funds Transfer (NEFT) or Aadhaar enabled payment system.
  • The first installment of pension shall be paid after 1 year, 6 months, 3 months or 1 month from the date of purchase of the same depending on the mode of pension payment i.e. yearly, half-yearly, quarterly or monthly respectively.
  • As a part of the plan, the scheme can be purchased by making a one-time payment.
    If a policyholder is not satisfied with the “Terms and Conditions” of the policy, he/she may return the policy to the Corporation within 15 days and 30 days if this policy is purchased online from the date of receipt of the policy with valid reason.
  • This scheme is flexible as the subscribers can loan up to 75% of the purchase price after 3 years of the policy. Loan interest shall be recovered from the pension installments and the loan to be recovered from loan proceeds.
  • PMVVY is also exempted from service tax or GST.
  • One can also exit from the scheme in a premature state with a valid reason of terminal illness of the pensioner or the spouse. In that case, 98% of the purchase price will be refunded.

Investment Scheme of PMVVY

There is a minimum and maximum limit for investment under PMVVY. The amount varies according to the pension payment mode chosen.

PMVVY Investment Scheme
PMVVY Investment Scheme
  • The return guaranteed and the actual interest earned shall be subsidized by the Centre and reimbursed to LIC.
  • Under the scheme, if the pensioner lives till the end of the policy term of 10 years, he/she will be paid the purchase price along with the final pension installment.
  • In the case of the death of the pensioner during the policy term, the purchase price will be paid to the beneficiary.

As the senior citizens want no risk investment and they want a non- fluctuating and reasonable rate of return because they have not gainfully employed at the age, this scheme is beneficial to them.
This scheme takes the Government one step closer to provide social security to its citizens.

Now PPF Goes Online – A New Service by ICICI Bank

The India’s largest Private Bank ICICI Bank launches a digital service that allows the customers to open PPF Account through Internet Banking or Mobile Banking. Adopting this new digital facility will ease up the process and will reduce the confusion of the submission of the paper documents.

Some Relevant Links
ICICI Bank Credit Card Customer Care Number Click Here
Link Aadhaar With ICICI Bank Account Click Here
ICICI Bank IFSC Code Click Here

The customers now no longer have to visit the bank branch and wait in the queue and submit the physical documents to open a PPF Account. They can now do it anytime, anywhere using the bank’s digital channels of Internet and Mobile Banking.

The bank said that it is a first lender in the Country to introduce a complete digital and paperless procedure for opening a PF Account. This facility is completely available online (24*7) and on all days. The customers have to log in to their Internet Banking or Mobile Banking for applying for a PPF Account.

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