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Union Bank of India (UBI) is India's fifth-largest public bank. UBI offers nearly all financial services that an individual, business, or government entity might need. However, if you are a UBI customer who wants to simplify their banking and meet the requirements of the financial authorities, it is mandatory to link the PAN card to the account.
Go through this guide to understand how to link your PAN card with your Union Bank account online via Internet banking using the Union Bank
app.
Additionally, you will discover how to link your PAN card via Union Bank customer care service and offline by visiting the branch.
Before you start the PAN card linking process with the bank, make sure you have the following essentials:
Valid PAN Card: Ensure you possess a valid PAN card issued by the Income Tax Department of India and registered in your name.
Active Bank Account: Your bank account should be open and fully operational.
Updated Contact Information: Confirm that your bank has your current mobile number and email address for communication.
Internet or Mobile Banking Credentials: If you plan to link your PAN card online, you will need your Internet or mobile banking login details.
The following are the different ways via which you can easily link your PAN card with your Union Bank account:
If you are wondering how to link PAN with Union Bank account online, follow the steps mentioned below:
Step 1: Go to the official portal of Union Bank.
Step 2: Log in to your internet banking account using your credentials.
Step 3: Find the ‘Service Request’ section and choose the ‘PAN Updation’ option.
Step 4: Provide your PAN Card number in the required space.
Step 5: Next, mention your birth date as given on your PAN card and your registered email ID.
Step 6: Verify all the details you have provided and click on the ‘Submit’ button.
Your PAN Card will be linked to your account within 1 to 2 working days. The Union Bank of India will notify you via SMS or email once your PAN Card is linked to your account.
Follow the steps mentioned below to link your PAN Card to your Union Bank account using the mobile app:
Step 1: Download the Union Bank mobile banking app from the App Store or Google Play Store.
Step 2: Sign up to use the mobile app if you have not already.
Step 3: Open the app and log in with your mobile banking username and password.
Step 4: Search for the option to link your PAN in the app menu and enter your PAN card number.
Step 5: Submit the details and complete any verification steps if asked.
After completion, your PAN Card will be linked to your account, and you will get an SMS notification from the bank.
Follow the steps mentioned below to link your PAN Card to your Union Bank account by calling customer care:
Step 1: Dial the Union Bank of India customer care number from your registered mobile number.
Step 2: Follow the IVR prompts to reach the option to talk to a customer care executive.
Step 3: Once connected to the executive, inform them that you want to update your PAN in your account.
Step 4: The executive will ask questions to verify your identity, such as your full name, address, date of birth, and mother's maiden name. Answer these questions accurately.
Step 5: Give your PAN Card number to the executive.
Step 6: Your PAN Card will be linked to your account within 1 to 2 working days.
Upon completing the above steps, you will receive an email or SMS notification from Union Bank of India once your PAN Card is successfully linked to your account.
If you want to know how to link your PAN card to your Union Bank account offline, follow these steps:
Step 1: Go to your Union Bank of India home branch.
Step 2: Ask for the KYC Change Form or PAN Card Updation Form at the branch. You can also download it from the bank's website and print it at home.
Step 3: Write down your Union Bank account number, name, mobile number, current address, and PAN card number in the form. Make sure all details are correct.
Step 4: Attach a self-attested photocopy of your PAN Card to the form.
Step 5: Hand over the completed form and a copy of the PAN Card to the bank officer.
Step 6: The bank officer will verify your original PAN Card.
Step 7: The bank will keep the form for further processing.
After these steps, your PAN Card will be linked to your account within 1 to 2 working days. You will receive a notification via email or SMS once the PAN Card is successfully linked to your account.
The following are some benefits you can enjoy by linking your PAN card to your Union Bank account:
It is also useful in preventing cases of duplicate account creation since your PAN is linked to the account. This link ensures that you have a single identity in the bank and in all the branches of the bank.
By linking your PAN to your bank account, tax filing becomes simpler. This linking enables the government to easily retrieve your financial information, thus minimising the possibility of missing out on tax exemptions or credits.
A linked PAN speeds up the tax refund process, with refunds directly credited to your linked bank account. This link is crucial for a seamless refund experience.
The Income Tax Department has the ability to monitor your expenses according to the income you have declared using the linked PAN. This comes in handy when there is a need to conduct an audit or any tax-related matter.
While providing PAN details for financial transactions above ₹50,000, the PAN card or Form 60 must be submitted. This requirement helps to facilitate the transactions that require to be made in an effortless manner.
A PAN card is useful for security when making large transactions by linking the card to your bank account. It safeguards your monetary transactions, adding security measures.
You can avail of government benefits, deductions, and subsidies if your PAN card is linked. Failing to link your PAN can result in a higher TDS rate on specific sources of income. By linking, you are able to receive all the incentives offered by the government, which may be integral in funding your business.
PAN cards play a crucial role in financial transactions to help combat unaccounted or illegal funds, often called black money.
Now that you know how to link your PAN card with your Union Bank account online and offline, it is essential to complete this process. It will just take around 10 to 15 minutes to complete this procedure.
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