The PAN Card is one of India’s most important financial identity documents, essential for all major activities such as opening a bank account, completing digital KYC, applying for credit cards, filing income tax returns, buying property, investing in mutual funds, and conducting high-value financial transactions.

If your personal information—such as name, date of birth, father’s name, address, photo, or signature—does not match your Aadhaar or bank KYC details, you may face issues with loan approvals, tax filings, digital verification, and financial compliance.

This detailed guide explains how to update or correct your PAN Card information using official NSDL and UTIITSL government portals, ensuring smooth banking, tax, and investment operations.

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Why Updating PAN Details Is Important
Personal Information You Can Update in PAN
Impact of Incorrect PAN Details on Banking & Tax Compliance
Documents Required for PAN Correction
Step-by-Step Process to Change PAN Details
Aadhaar-Based eKYC Update for PAN
How to Change Name in PAN (Marriage, Legal Update, Spelling Errors)
How to Correct Date of Birth in PAN
How to Update Father’s Name
How to Update Photograph or Signature
PAN Correction Fee
Processing Time
PAN Rejection Reasons & How to Avoid Them
FAQs
Final Summary

1. Why Updating PAN Details Is Important

Correct PAN details are crucial for:

✔ Bank account full KYC

Banks use PAN to validate identity, verify financial transactions, and monitor deposits.

✔ Credit card & loan approval

Financial institutions check PAN for credit score, tax history, and borrower identity.

✔ Filing Income Tax Returns

Incorrect details may cause ITR errors or refund delays.

✔ Investment account verification

Mutual funds, SIPs, Demat accounts, and stock brokers require PAN-based eKYC.

✔ High-value transaction monitoring

PAN is mandatory for cash deposits, property purchases, and large financial activities.

Ensuring your PAN details match your Aadhaar and banking documents helps avoid KYC failures.

2. Personal Information You Can Update in PAN

You can update any of the following details:

Name
Date of Birth
Father’s Name
Gender
Photograph
Signature
Aadhaar-linked information
Contact details (through Aadhaar sync)

All updates help maintain accurate financial identity across banks, NBFCs, tax authorities, and investment platforms.

3. Impact of Incorrect PAN Details on Banking & Tax Compliance

If PAN details do not match other records:

● Bank account full KYC may fail

● Credit card or loan applications may get rejected

● Mutual fund and Demat accounts may not open

● Income tax return processing may get delayed

● High-value transactions may be blocked

● Taxpayer identity mismatch can trigger compliance notices

Updating PAN ensures seamless functioning across financial institutions, income tax systems, and digital onboarding platforms.

4. Documents Required for PAN Correction

Below are valid documents depending on the type of correction:

✔ For Name Change

Aadhaar
Marriage certificate (post-marriage update)
Gazette notification (legal name change)
Passport (optional)

✔ For Date of Birth Correction

Aadhaar
Birth certificate
Passport
Matriculation certificate

✔ Photo or Signature Update

Aadhaar
Passport-size recent photograph
Scanned signature

Correct documents ensure smooth verification during bank KYC and tax filing.

5. Step-by-Step Process to Change Personal Information in PAN

You can update your PAN details through:

⭐ NSDL (Protean) – https://www.onlineservices.nsdl.com

⭐ UTIITSL – https://www.pan.utiitsl.com

Both portals follow the same correction format.

Step 1 – Select “Change or Correction in PAN Details”

Choose Form 49A for individuals.

Step 2 – Enter Existing PAN

This is required to sync your correction request with Income Tax records and bank KYC details.

Step 3 – Update the Required Fields

Tick the box for:

Name
Date of Birth
Father’s Name
Photo
Signature

Enter the corrected information carefully.

Step 4 – Upload Supporting Proofs

Upload Aadhaar and other necessary documents for verification.

Step 5 – Complete Aadhaar eKYC Verification

This validates your identity instantly through:

Aadhaar OTP
Digital authentication

Banks, investment platforms, and financial apps trust Aadhaar-eKYC for accuracy.

Step 6 – Pay the Correction Fee

Acceptable payment methods:

UPI
Net Banking
Debit/Credit Card

Step 7 – Download Acknowledgment Receipt

Keep the 15-digit acknowledgment number to track your application.

Step 8 – Receive Updated PAN

You will receive:

e-PAN via email
Physical PAN via post

6. Aadhaar-Based eKYC Update for PAN

Aadhaar verification enables:

Instant identity match
Address validation
Photo and DOB confirmation
Automatic corrections

This is the fastest way to update your PAN for banking, investments, and income tax filing.

7. How to Change Name in PAN Card After Marriage or Legal Update

Women who change their surname after marriage must update PAN to avoid issues in:

Bank KYC
Credit card processing
Tax filing
Home loan documentation

Required documents:

Aadhaar
Marriage certificate
Joint affidavit (if needed)

For legal name changes, gazetted notification is required.

8. How to Correct Date of Birth in PAN

A wrong DOB may cause:

KYC failure in banks
ITR mismatch
Demat account rejection

Accepted proofs:

Birth certificate
Passport
Aadhaar
Tenth marksheet

9. How to Correct Father’s Name

Correct father’s name is essential for:

Banking verification
Property-related documentation
Tax records

Submit Aadhaar and any supporting ID showing accurate details.

10. How to Update Photo or Signature

Incorrect signature/photo may lead to:

Cheque signature mismatch
Loan documentation rejection
Credit card application delays

Upload:

Recent passport photo
Updated signature in high resolution

11. PAN Correction Fee

Correction Type	Fee
e-PAN only	₹66
Physical PAN + Correction	₹106

12. Processing Time

e-PAN: 3–7 working days
Physical PAN: 10–15 days

Processing time may vary based on Aadhaar authentication.

13. Reasons PAN Correction Applications Get Rejected

Aadhaar mismatch
Incorrect supporting documents
Blurred or unclear photo/signature
Wrong date of birth proof
Incomplete form submission

Ensure all financial documents match to avoid KYC errors.

14. Frequently Asked Questions (FAQs)

Q1: Can I update PAN details without Aadhaar?

No, Aadhaar is mandatory for verification.

Q2: Will my PAN number change after correction?

No, the PAN number remains the same.

Q3: Can NRIs update PAN?

Yes, using passport and foreign address proof.

Q4: Can I update PAN offline?

Yes, by visiting a PAN service center.

Final Summary

Updating personal information in your PAN Card is essential for smooth functioning of:

Bank account KYC
Credit card verification
Home loan and personal loan approval
Mutual fund and Demat account activation
Income tax return filing
High-value financial transactions

Using NSDL or UTI portals, you can easily update:

Name
Date of Birth
Photograph
Signature
Father’s Name
Aadhaar-based details

Once corrected, your PAN Card becomes fully compliant with India’s banking, investment, and tax ecosystem, ensuring seamless financial operations without identity mismatches.

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