PAN-Aadhaar Link Checker — Status, Consequences & How to Link 2025-26
Check if your PAN is linked to Aadhaar. Calculate the financial impact of an inoperative PAN — higher TDS at 20%, blocked ITR filing, and restricted transactions. Step-by-step guide to link with ₹1,000 late fee for FY 2025-26.
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How to Use This Checker
Check Link Status tab
This tab provides two methods to verify whether your PAN is linked to Aadhaar. Method 1: Visit the Income Tax portal (incometax.gov.in), go to Quick Links, and click "Link Aadhaar Status". Enter your PAN and Aadhaar number to see the result instantly. Method 2: Send an SMS in the format UIDPAN <space> 12-digit-Aadhaar <space> 10-digit-PAN to 567678 or 56161. After checking, toggle the "Have you checked?" option to see next steps based on your status.
Consequences of Not Linking tab
Select your income type (FD interest, contractor payment, rent, professional fees, etc.), enter the annual amount subject to TDS, your total annual income, and tax slab. The checker calculates the excess TDS deducted at 20% (instead of the normal rate) under Section 206AA, and shows all financial restrictions that apply when your PAN is inoperative — including blocked ITR filing, bank account opening, and high-value transactions.
How to Link tab
If your PAN is not linked, this tab provides the complete step-by-step process: pay the ₹1,000 late fee via Challan 280 (minor head 500), then link on the Income Tax portal or via SMS. The checker shows the timeline (4-5 business days typically) and total cost. If your PAN is already linked, it confirms no action is needed.
Share your result
All inputs are encoded in the URL. Click Share to send the exact scenario to your CA, family member, or financial advisor for review.
PAN-Aadhaar Linking Rules — FY 2025-26
Every person who has been allotted PAN and is eligible to obtain Aadhaar must link PAN with Aadhaar.
Deadline: 30 June 2023 (with ₹1,000 late fee)
PAN becomes inoperative from 1 July 2023 if not linked.
Late fee: ₹1,000 via Challan 280 (minor head 500)
No exemption from fee. Must be paid before linking.
Inoperative PAN — TDS impact (Section 206AA):
TDS Rate = Higher of (applicable rate) or 20%
In practice: 20% for most income types (FD interest, rent, professional fees)
Reactivation timeline:
Official: 30 days from successful linking
Typical: 4-5 business days
Exempt categories:
NRIs, persons aged 80+, residents of Assam/Meghalaya/J&K, non-citizens of India
Once PAN is linked with Aadhaar and becomes operative again, all normal TDS rates and financial transaction capabilities are restored. Any excess TDS deducted during the inoperative period can be claimed as a refund when filing ITR.
Example
Rahul — IT professional with unlinked PAN
Rahul (32) is a software developer earning ₹12,00,000/year. He has ₹5,00,000 in fixed deposits earning 7.5% interest (₹37,500/year). He also receives ₹2,00,000/year in freelance income. He forgot to link his PAN with Aadhaar before the deadline. Here is the financial impact.
Step 1: TDS on FD Interest
Step 2: TDS on Freelance Income
Step 3: Total Impact
Rahul immediately paid ₹1,000 via Challan 280, linked his PAN on the Income Tax portal, and his PAN was reactivated in 4 days. He then filed his ITR and claimed back the excess TDS as a refund. The ₹1,000 fee saved him from ongoing losses of ₹23,750/year in locked-up cash flow.
FAQ
UIDPAN <space> Aadhaar <space> PAN to 567678. Note that the linking request can only be submitted after paying the ₹1,000 late fee via Challan 280 (minor head 500). The fee payment and linking are two separate steps — both must be completed.