PAN Verification

PAN Verification Overview

PAN verification service is a simple and robust way to verify the genuineness of a PAN card by matching it with the government database of the issuing authority. For those of you who are new to a PAN card, it is the equivalent of Tax ID number issued to citizens and businesses of India. The PAN card, which is ten characters (alpha-numeric) in length, is issued by the Income Tax Department of India.

PAN as proof of ID

PAN card is widely accepted as proof of ID by pretty much all service providers in India. Moreover, it is mandatory for obtaining financial services and filing income tax in India. Therefore, it is imperative for service providers to verify the PAN card to ascertain its genuineness prior to onboarding the consumer.

A typical PAN card issued to an individual would look as follows:


A typical PAN card issued to a business would look as follows:


PAN card structure

The ten-digit PAN number is structured as follows:

  1. The first five characters are letters (in uppercase by default), followed by four numerals, and the last (tenth) character is a letter.
  2. The first three characters of the code are three letters forming a sequence of alphabets letters from AAA to ZZZ
  3. The fourth character identifies the type of holder of the card. Each holder type is uniquely defined by a letter from the list below:

A — Association of persons (AOP)

B — Body of individuals (BOI)

C — Company

F — Firm

G — Government

H — HUF [Hindu joint family|Hindu undivided family]

L — Local authority

J — Artificial juridical person

P — Individual or Person

T — Trust (AOP)

  1. The fifth character of the PAN is the first character of either: of the surname or last name of the person, in the case of a “personal” PAN card, or of the name of the entity, in the case of a “business” PAN card.
  2. The last (tenth) character is an alphabetic digit used as a check-sum to verify the validity of that current code.

Instant PAN verification using Dashboard (no code and no integration needed)

Let’s take a real-life example. Let’s suppose you want to verify the PAN card of your prospect before onboarding as a customer.

Step 1:

You will need to request the following details from your User prior to verifying the PAN card.

  • PAN Card Number
  • Consent from the user for PAN Verification

Step 2:

You can use our dashboard to instantly do a PAN verification (no code or integration is needed and you can sign up and use this service in 5 minutes). Once you login to the dashboard, you can complete the PAN verification instantly. Please book a demo today so we can show you exactly how this is done.

As you can note, you can do an individual PAN verification or if you have a number of customers who have submitted their PAN details, you can do a bulk PAN number check by uploading an excel file with all of the PAN numbers to be verified. All of the details can be viewed in the dashboard and can be downloaded to your own server once completed.

Talk to us about your PAN verification requirement >

Instant PAN verification using API (integrate into your own Application)

It is fairly easy to accept and verify the PAN card in real time using simple APIs. In order to do a real time PAN verification within your own application, you will need to make an API call as follows: Please refer to the full API details here.


And the response will be as follows:


The real time PAN verification takes no more than 3-5 seconds so the user experience is not hampered doing this on the fly at the time of onboarding to verify the genuineness of the PAN card.

In addition, we provide PAN KRA status verification whereby you can check if the PAN provided by the customer is already available in the KRA database. Please get in touch with us so we can show you a demo of this feature.

How much does PAN verification cost?

PAN verification pricing is based on your volumes as they are discounted at large volumes. All our pricing is transparent and provided to you upfront without any hidden fees. You can view your PAN verification statement in real time from our dashboard so you know exactly what you are paying for. Please get in touch with us so we can understand your needs and share our pricing and provide you with trial access to try PAN verification before you buy.


PAN verification is now an essential part of customer onboarding through assisted and unassisted video kyc solutions. The regulators are in favor of such validations to ensure that the person undergoing video kyc or other means of non-face to face onboarding is the true owner of the PAN card.

Aside, there are also ways to verify that the name in the PAN card matches with the KYC compliant Bank Account by doing a penny drop check and matching the Bank Account Name with PAN Name proving the identity of the person with great confidence.

Did you know that other than PAN, you can also verify Bank Account (Penny Drop), Voter ID, Driving License, GST (Business Verification) and Aadhaar Offline in India. These ID verification APIs are easy and simple to integrate (or can be used with our dashboard without integration) at extremely low costs. Please book a demo with us to see all of the verification services in action.

Book a free demo today to see all Indian ID verification in action >

You might also be interested in Bank Verification (Penny Drop) to ensure that the Bank Account of the person onboarding is genuine and the beneficiary name matches with the name in the PAN card.


We are your friends at frslabs

FRSLABS is an award-winning research and development company specialising in customer onboarding, identity verification and fraud prevention solutions for businesses. Whether you are a big bank, insurance, telco or a small investment broker, we help you onboard and verify your customers with greater flexibility, compliance and reliability.

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