What to Do If Your PAN Card Is Lost or Stolen – Step-by-Step Guide

Losing your PAN (Permanent Account Number) card can be stressful, as it is an essential identity and financial document in India. A lost or stolen PAN card can also be misused for illegal activities, making it important to act quickly. By taking the right steps, you can prevent fraud and get a replacement without much hassle.

Report the Loss Immediately

The first thing to do after losing your PAN card is to file a complaint with the nearest police station. This report serves as proof in case of any misuse. You can also register a complaint through the national cybercrime portal if you suspect it has been stolen. Keeping a copy of the FIR or complaint acknowledgment is important for future reference.

Inform Your Bank and Financial Institutions

Since your PAN card is linked to bank accounts, credit cards, and investments, you should inform your bank and other financial service providers immediately. This helps them monitor suspicious transactions and take preventive measures against fraud.

Apply for a Duplicate PAN Card Online

You can easily request a duplicate PAN card through the official online portals of NSDL or UTIITSL. Visit the website, select the “Reprint PAN Card” option, and fill in your personal details, including your PAN number and Aadhaar number. Upload the required documents, pay the fee, and submit the application. The new card will be delivered to your registered address.

Apply Offline if Required

If you prefer an offline process, visit a PAN service center and submit the filled application form along with proof of identity, proof of address, and a copy of the FIR. After verification, the duplicate PAN card will be issued.

Link Your New PAN Card to Financial Accounts

Once you receive your duplicate PAN card, ensure it is linked to all your bank accounts, tax filings, and other financial records. This will help maintain the accuracy of your financial data and avoid any delays in future transactions.

Monitor Your Credit Report

It is advisable to keep an eye on your credit report for a few months after losing your PAN card. This can help you identify any fraudulent loans or credit applications made using your lost card. You can check your credit report through authorised credit bureaus.

Preventive Measures for the Future

To avoid future problems, keep a scanned copy of your PAN card in a secure digital folder. Avoid carrying the card unless absolutely necessary and never share it with unverified sources. Using secure, encrypted channels for document sharing can also prevent data theft.

Losing a PAN card can cause inconvenience, but with quick action and the right precautions, you can protect yourself from fraud and restore your important document without complications.