In the fast-moving world of digital finance, identity verification has become a critical need. With the rise of fintech platforms, instant loan apps, and digital KYC norms, verifying a user’s PAN card in real-time is no longer optional — it’s essential. That’s where PAN Card Verification APIs come in.
This article explores how PAN APIs are enabling businesses in India to streamline onboarding, reduce fraud, and stay compliant with regulations.
This article explores how PAN APIs are enabling businesses in India to streamline onboarding, reduce fraud, and stay compliant with regulations.
What is PAN Card Verification API?
A PAN (Permanent Account Number) card is a unique identifier issued by the Income Tax Department of India. A PAN Verification API allows businesses to validate the authenticity of a user’s PAN card using real-time data from authorized sources.It typically works by accepting a PAN number as input and returning details like:
- Full name on PAN
- PAN validity status
- PAN type (Individual, Company, etc.)
💡 Why is it Important?
✅ 1. Faster Onboarding Manual document verification takes time and human effort. APIs automate this process in seconds, improving customer experience and conversion rates.
🔐 2. Fraud Detection Fake PAN cards are common in loan scams and duplicate registrations. APIs help prevent such fraud by verifying PANs against government databases.
📄 3. Regulatory Compliance According to RBI and SEBI norms, financial institutions must perform proper KYC. PAN verification APIs ensure compliance without slowing down operations.
🏦 Real-World Use Cases
- Fintech Lending Apps: Automate borrower verification
- Crypto Exchanges: Ensure compliance with KYC/AML
- NBFCs: Reduce manual workload and improve TAT
- HR & Background Checks: Validate candidate PAN before hiring
⚙️ How BharatEverify.com Simplifies PAN Verification
Platforms like BharatEverify.com provide plug-and-play PAN card APIs that are:
- Easy to integrate (RESTful API)
- GST-compliant
- Backed by real-time government data
- Secure and scalable
Their PAN verification API helps startups and enterprises go live in minutes without worrying about data security or API downtime.
🌐 Developer-Friendly Integration
POST /api/verify-pan
{
"pan_number": "ABCDE1234F"
}
✅ Response:
json
{
"valid": true,
"full_name": "RAHUL SHARMA",
"pan_type": "INDIVIDUAL"
}
