Public Interest   Exclusive
Use your PAN card carefully

 PAN card data has become essential for certain transactions, which makes PAN card identity theft more likely than ever

Waving a PAN (Permanent Account Number) card as a form of identity, when such a document is required with a photograph, has become second nature to many of us. Keeping a laminated copy as a spare, and placing the original in safe-keeping, is the strategy adopted by many. But now, with more and more transactions requiring a copy of a PAN card, or at the very least the number, it appears that the role of this essential piece of plastic, and its consequences, are rapidly changing, in a way and manner not anticipated by the authorities.
 
Tipped off by a message in an amateur railfans group (IRFCA) and prodded by a couple of anecdotal experiences, this is what we discovered about the widespread misuse of PAN card data. If you are using it to book Tatkal tickets, then you have to provide the number. This number then reflects on the booking chart, which is displayed openly on the carriage, at the departure station and elsewhere.
 
In some cities and states, hotels demand copies of PAN cards. Similarly, if running up huge bills at restaurants, and paying in cash—you can be asked for a PAN card. Then at jewellers, second-hand car dealers, property brokers, landlords, tenants, and many more entities, they all want a copy of your PAN card. Travel agents and visa facilitation centres are also not averse to asking for this detail.
 
All this is fine in normal situations. But if you have ever seen determined looking young men taking down details of name, age, gender and origin/destination, along with the PAN card number, from railway reservation charts, know that they are paid anything between Rs5 and Rs10 per detail collected. And if you have ever received strange phone calls or telegrams/emails from weird people after applying for a visa, then it worries you even more. Very often they appear to have copies of all the documents you placed with the visa centres.
 
This PAN card number then becomes a tool for benami transactions in a variety of hands. And it appears that this problem is growing very rapidly. Including, it seems, with credit cards issued, new cars purchased, or similar.
 
What happens, then, if you are a victim of PAN card identity theft, and data emerges which shows you as having transacted a vast amount of money somewhere? Which may also match with your actual travel?
 
# From the trader’s point of view, a penalty of Rs10,000 per wrong PAN card information provided can be levied and so it becomes incumbent on the trader to try to ensure that correct data is collected and provided, preferably with an additional identity proof.
 
#  From the tax-paying PAN card holder’s point of view, if despite checking the Form 26AS online some benami transactions take place, and you do not spot it till it is too late, then the Income Tax department will ask the PAN card holder to prove that he did not carry out the transaction. The Income Tax department can also ask the PAN card holder to explain the source of the funds used. Resolution can take years.
 
# From the non-tax-paying PAN card holder’s point of view, there may not even be the option of checking Form 26AS online, and the first he will come to know is when he receives a notice from the Income Tax department. Again, the common man suffers—and God help you if somebody takes a dislike towards you.
 
Obviously, the quoting of a PAN card for cash transactions is not a fool-proof method and needs to be fine-tuned some more. That is for the finance ministry to consider and implement and one method would be to insist that additional steps like signed photocopy of PAN card, signed photocopy of additional identity document and possibly video/photo record of the transaction be retained by traders/customers taking part in high-value cash transactions.

On your part, try not to use the PAN card as an identity document or for other casual transactions, and have control over photocopies given out.

(Veeresh Malik had a long career in the Merchant Navy, which he left in 1983. He has qualifications in ship-broking and chartering, loves to travel, and has been in print and electronic media for over two decades. After starting and selling a couple of companies, is now back to his first love—writing.)

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    COMMENTS

    Ajan

    2 years ago

    Recently my mother-in-law had a similar experience. While verifying her 26AS, it is found that at two different branches of State Bank of India, there have been deductions towards TDS. She is not having any accounts with these Branches of the Bank. While verifying with the Bank it is found that another person with the same PAN had fixed deposits with these branches. Is it possible to have the same PAN number for two persons having totally different names?

    Gobinda De

    2 years ago

    I gave power of attorney to my developer.Now he asked for Xerox copy of pan card failing of which he will unable to undertake registration.Is it true.?

    Gobinda De

    2 years ago

    I gave power of attorney to my developer.Now he asked for Xerox copy of pan card failing of which he will unable to undertake registration.Is it true.?

    Girish Kumar

    3 years ago

    My pan card no. Mis used some body purchased through 10 laks gold watch. It dept. Not giving details. Plz suggest me for this issue.

    8309377356

    Amrita Pritam

    3 years ago

    Is someone easily know about my account status or any details which attached through pan card easily. .? Please clear it

    christina

    5 years ago

    Hello
    Intel has asked for pancard details for Intel to ship a loaner camera fro 6 months.It is a part of the contest Is it safe to provide PAN CARD details to them???

    christina

    5 years ago

    Hello
    Intel has asked for pancard details for Intel to ship a loaner camera fro 6 months.It is a part of the contest Is it safe to provide PAN CARD details to them???

    setty

    6 years ago

    Hi,

    This is very informational.

    If one sees a unknown or benami transaction in their 26AS credit.

    What steps are to be taken by the PAN Holder to rectify this. Whom should the PAN holder approach or is there any contact or customer care kind. who can provide the details of the transactions to verify the authenticity and if found benami what can the pan holder can do to fix this?

    Thanks,
    Satish

    Apollo Jones

    7 years ago

    I have discovered that my sister's PAN card who is married in some other city has been misused and was used to open a bank account and a mutual fund scheme where Rs 1000 monthly was credited to the scheme. Also there was an FD done. These all were same as my sister's name and her PAN details without her knowledge .My sister in the process closed that bank account withdrew the FD and closed mutual fund scheme. Now the other party who was misusing our PAN card is threatning to lodge an FIR against us alleging that we defraud them by unlawfully closing all their accounts without their notice. I would like to know that can we take some action against the other party?? Also how can we take such an action and what will be the charges and penalties that can be charged on the other party....PLEASE HELP !!!!!

    Apollo Jones

    7 years ago

    SIr I have discovered that my sister's PAN card who is married in some other city has been misused and was used to open a bank account and a mutual fund scheme where Rs 1000 monthly was credited to the scheme. Also there was an FD done. These all were same as my sister's name and her PAN details without her knowledge .My sister in the process closed that bank account withdrew the FD and closed mutual fund scheme. Now the other party who was misusing our PAN card is threatning to lodge an FIR against us alleging that we defraud them by unlawfully closing all their accounts without their notice. I would like to know that can we take some action against the other party and if we do, what are the penalties for them ??

    Vijay Kumar Sharma

    7 years ago

    i was applied for city bank cr card and given to identy proof (Pan Card,ID proof with self attachested) to Agent and in other case same is given to UTI Agent but they people did not make the process and not called to me.
    How can i check that my ID & PAN card is not missuse?Please Help me I am worried to read this type of news

    padmakumar s

    8 years ago

    Hi,
    I am the REAL victim on this case. I was applied ICICI bank credit on 2008.I also given my PAN card for this purpose.but some ICICI staff/agant used my identy,tranacated 45 cores on 08-09 financal year.last eight months back I got notice from IT for above transacation.then I had proved all my income and insvements etc.,
    Now I am FREED from this case.but I went almost six moths every alternate week for clarification.
    My kind advice to all of you is don't use PAN and PASSPORT as idendity in your daily life.use only mandetry place.
    Thanks

    REPLY

    Sundaram

    In Reply to padmakumar s 8 years ago

    Dear Padmakumar,

    I can fully visualise the mental strain and agony that you must have undergone.But was the culprit apprehended?What action did ICICI Bank take against him?

    Though you have rightly pointed out that PAN Card and Passport must be furnished only where they are mandatory,in your case you had to provide the PAN Card without which a Credit Card would not have been issued.So where was the remedy and what other option did you have?

    Padmakumar

    In Reply to Sundaram 8 years ago

    Hi,
    Fourtanatly I have that four ICICI guys contact no.There numbers are live and they all are no more with ICICI bank.one number not exit.
    I had approched chennai economic offence wing. But they can't help this case.because it happened in mumbai.so they direct me to go and register complient in economic wing in mumbai.
    I will do something with in short period.
    Let see.how it will go?

    malq

    In Reply to Padmakumar 8 years ago

    Dear Padmakumar ji, thank you for writing in, and we would like to know more about your case as well as help if possible.

    Please write in to us c/o editor at moneylife dot in . . . or here itself please.

    Sincerely/V<

    Sundaram

    8 years ago

    Dear Mr.Malik,
    I'm a little confused.Could you please elaborate on how a tax-payer can check his Form 26-AS and determine whether his card has been misused for any benami transactions? I was under the impression that Form 26-AS provides details of TDS,TCS etc.Where do such transactions reflect on the Form?Thanks for your clarification.

    REPLY

    malq

    In Reply to Sundaram 8 years ago

    Dear Sundaram ji, thank you for writing in.

    The reference to 26AS is in context with high value transactions, which you may not have done but somebody else has done using your PAN, and displayed on 26AS as explained here:-

    http://www.incometaxindia.gov.in/26ASTax...

    ""Details of the High value Transactions in respect of shares, mutual fund etc.""

    I hope that helps.

    Regards/VM

    Rambabu Shastri

    8 years ago

    There is a very simple way to curb this misuse. Agencies like hotels etc should only ask for the number and then go to the online site to verify the PAN card identity. They do not need to ask for the copy / photocopy. Hope IT department will help get this done. When you go to http://www.cvlindia.com/inquiry_kyc01.as... you can verify the name after entering PAN card number.

    REPLY

    malq

    In Reply to Rambabu Shastri 8 years ago

    Dear Rambabu Shastri ji, thank you for writing in, and hope some method works better than current.

    Regards/VM

    Public Interest   Exclusive
    The story of two soldiers who took on the Supreme Commander

    Commander Ravindra Pathak (retd) and Col Suresh Patil (retd) who have been campaigning against excess defence land being taken by President Pratibha Patil  are well known activists in Pune.  Let’s see how far their tenacity takes them in this campaign which is connected with the highest chair in this country

    Col Suresh Patil (retd) saw death at close quarters when six of his colleague officers and 67 men were killed in the J&K sector in the 1971 Indo-Pak War. Commander Ravindra Pathak (retd) too was challenging death, as he was given the task of clearing under-sea mines to make Chittagong Harbour operational, immediately after the same war.

    Today, both say they were gifted with a second life and hence, decided since then to give it back to the society, once they hang their boots, somewhere in the early 1990s.

    It’s a story of two soldiers and one mission – to fight against encroachment of defence land by the present Supreme Commander of the Armed Forces, who is none less than the President of India, and it’s Pratibha Patil, this time round.

    Col Patil fired the first salvo in August 2011 when he got a whiff of President Patil  “grabbing’’ a prime defence land in Khadki cantonment of Pune, admeasuring a whopping 2,42,000 sq ft as against her eligibility of getting only 4,498 sq ft of an existing government bungalow in any part of the country, as her retirement home.  

    Col Patil, who formed the `Justice for Jawans’ organisation for ‘serving’ and ‘retired’ soldiers and officers who suffer many difficulties in terms of accommodation and other issues, took up the President’s retirement home issue, rather intensely.

    His initial war cry to halt this unjustified “capture’’ of land when the President’s soldiers and officers in the same city were being denied their rightful official accommodation due to lack of space, did not have much impact. It fell on deaf ears of the authorities as well as the media. In the meanwhile, Defence Estate officers of Pune were making hectic trips to and fro Pune-Delhi to make way for Pratibha Patil to legally get this vast tract of land, studded with two `living’ bungalows.

    Col Patil appealed to other defence NGOs to join in the campaign. That’s how Comm Pathak came into the picture. Since 2008, he was also working towards the cause of pension related issues of retired soldiers on behalf of the Delhi headquartered Indian Ex-Servicemen Movement (IESM).

    After the sixth pay commission, the IESM had taken up a campaign nationally to demand ‘one rank one pension’ as consecutive pay commissions recommended different criteria for soldiers and officers who may have completed the same years of service; belonged to the same group; and held the same rank; but drew different pensions depending on the year they retired.

    Protests manifested in the form of 25,000 soldiers and officers returning their medals to the Pratibha Patil, since 2010. As per the protocol, the President of India in his/her role as Supreme Commander of the Armed Forces is required to personally accept the ‘returned’ medals as a traditional form of protest. Ms Patil to date has not given an appointment and hence, the medals are lying in the Delhi office of IESM. Hence, the ire against Pratibha Patil was already there in the eyes of IESM members.

    Comm Ravindra Pathak
    In early 2011, Comm Pathak decided to join Col Patil and ever since the campaign has picked up momentum. They collected incriminating evidence against her proposed retirement home through RTI. However, they got a luke warm response from the media until this week’s story in Moneylife made national waves and went viral on the social network. Suddenly the controversy is raging through all corners of the country.

    Col Suresh Patil (retd) is otherwise known as an environmentalist and has been involved in greening some parts of the cantonment. The two kilometre Bogra Walking Plaza that has been turned into a beautiful landscaped garden was once a stinking nallah. Similarly, he has greened another two kilometre stretch of a nallah bank in the Pune Municipal Corporation area, under his Green Thumb NGO. More details can be found at www.greenthumbindia.org.  Commander Pathak is active on this blog: http://iesmorg.blogspot.in/

    (Vinita Deshmukh is a consulting editor of Moneylife. She is also an RTI activist and convener of the Pune Metro Jagruti Abhiyaan. She is the recipient of prestigious awards like the Statesman Award for Rural Reporting which she won twice in 1998 and 2005 and the Chameli Devi Jain award for outstanding media person for her investigation on Dow Chemicals. She co-authored the book “To The Last Bullet - The Inspiring Story of A Braveheart - Ashok Kamte” with Vinita Kamte. She can be reached at [email protected])

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    COMMENTS

    Ashok Malkani

    7 years ago

    Hurrah for Cmdr Ravindra Pathak and Col. Suresh Patil. These two servicemen are the pathbreakers, who have taken courage to speak out their mind, even against the President.

    For too long have servicemen been cowed down by authority and reduced to " Yes Sir, Yes Sir, Haanjee Sir" wallas.
    Let the President not be allowed to grab defence lands. We have another shameful Adarsh scam in the making.

    dj

    7 years ago

    Any person after death req 2ft*6ft land. Whether President or Prime Minister or Poor Countryman at native place.
    Why cant she go to her native n stay n set example to all Ministers

    Ravindra

    7 years ago

    We have a wrong system of President elected by the corrupt politicians. It will help get a better President if he/she is elected by direct vote from the people. At least we will not get dumb Presidents like Pratibha Patil.

    Anna should add this to his agitation.

    malq

    7 years ago

    Hats off to these soldiers. Hope they are not threatened or further put to risk or harm in their endeavours to help improve matters in India.

    Typically, in such situations, local pressures and other sorts of methods will be employed by the back-door. Nothing is sacred.\\

    GOVIND SWAROOP SRIVASTAVA

    7 years ago

    On one end of the presidential spectrum we have Dr Rajendra Prasad who on retirement donated all his worldly possession and spent rest of his life in an Ashram. Now we are witnessing shameless act . Prestige of Presidential chair has been demeaned
    by the present incumbent. Sad day for the nation.

    karthikeyan

    7 years ago

    Charity begins at home and no one is above law. For whatever service the President, whomever it be should gracefully accept what is legitimately given and set an example for the nation to follow.

    Just as the duty of other is fraught with ,so is acquiring anything which is not ones due is deadly sin.
    "Yatha Raja thatha Prajaa"

    P M Ravindran

    7 years ago

    Kudos to Cdr Pathak and Col Patil! May their tribe increase!

    Sandeep Patil

    7 years ago

    Dear Pratibha,

    Please read the following quoting :

    "Rivers do not drink their own water, nor do tree eat their own fruit, nor do rain clouds eat the grains reared by them. The wealth of the noble is used solely for the benefit of others!

    "When the wealth in the house increases, when water fills a boat, throw them out with both hands!"


    'How much should we provide for our heirs?'
    Ask yourself 'are we taking away from them the gift of work? - A source of happiness?
    The answer is given by Warren Buffett:
    "Leave your kids enough to do anything, but not enough to do nothing!"

    S Suchindranath Aiyer

    7 years ago

    The "Highest" Chair has been brought low like most others. In 21st Century India, there is no such ting as a "high chair". As for SoniaJi's PresidentJi, she is a true Head of the Indian State. Govt. extravagance, profligacy and corruption are reflected in galloping inflation, curtailment of freedom of expression, suicides, and the more subtle abrogation of the Constitution than Schedule 9.

    REPLY

    Pankaj

    In Reply to S Suchindranath Aiyer 7 years ago

    well said..

    VIVEK

    8 years ago

    Hats off to these 2 martyers like Anna Hazare. Because of these selfless Indian citizens, we are still functioning as a democracy. Govt. is still not got over Adarsh and trying its best to safegurad corrupt politicians who shamelessly still holding public offices. All the best to these brave solders of the land and thanks to Money LIfe to bring these courrpt high office bearers to books. All the best.

    Mr Rohinton Khambata

    8 years ago

    President Pratibha Patil is misusing her position & grabbing land for her own bunglow is indeed very shameful.The Govt. or the Supreme Court must take action against her & must not allow this unjustfication of her demands.

    malq

    8 years ago

    It would be helpful if an update on the latest situation, preferably with photographs, could please be provided.

    Interim, here is one more article on the subject from Delhi:-

    http://www.dailypioneer.com/home/online-...

    Dr Ratna Magotra

    8 years ago

    A retirement home for the President is a perfect idea when merit and ability were the sole criteria for selection to the highest post. The idea needs another look now when the sole criteria is loyalty to the ruling party, merit no longer a consideration. One only needs to visit Congress Nagar in Amrawati and decide whether the current President needs a retirement home. She must be stopped from grabbing the defence land.

    Vaibhav Dhoka

    8 years ago

    One can lable this as STUBBOURNESS.When the highest officer is contravertial what can we expect from others to those in power.

    VINOD

    8 years ago

    I SALUTE BOTH THE PERSON FOR SHOWING EXEMPLERY COURAGE TO FIGHT AGT SUCH TYPE OF CORRUTPION

    Public Interest   Exclusive
    Mumbai, parts of Western Maharashtra and Gujarat experience tremors

    Several people from Mumbai felt the tremors that lasted for 4-5 seconds. According to IMD, an earthquake of 4.9 on the Richter scale hit Maharashtra at 10.57am on Saturday

    An earthquake measuring 4.9 on the Richter scale shook Mumbai, parts of Western Maharashtra and some areas in Gujarat at around 11am. There are no reports of any damage.

    According to media reports, the epicentre of this quake was near the Koyna dam area in Satara district of Maharashtra. The India Meteorological Department (IMD) in its preliminary report has confirmed that there was an earthquake of with magnitude of 4.9 on the Richter scale in Satara district.

    The IMD also reported another earthquake of 4.1 magnitude on the Richter scale, which hit Kutch region of Gujarat at 8.53am today.

    Mumbai, parts of Western Maharashtra and Gujarat felt tremors, earthquake in Mumbai 

    Many people, including celebrities were seen tweeting about the earthquake in Mumbai. Bollywood megastar Amitabh Bachchan tweeted, “Earthquake in Mumbai!! Did you feel it...? I did! Shutters and building shook twice for few seconds... all good here... all else?"

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    COMMENTS

    Sudhir Badami

    8 years ago

    Normally one does not feel earthquake at ground floor. I was sitting on the cot which gave a shake enough for my balancing fluids to recognize the tremor. Was too lazy to tweet - did not occur would be more appropriate.

    Ratanlal Purohit

    8 years ago

    REALLY!
    AB SHUT TT TER SHATTERED BUT NOT SHAKEN.
    ARE WE NOT ON THE SAME TEKTONIC TERRA FIRMA?
    I was busy commenting on Corruption at High Places.
    May be Ground Reacted.

    Ratanlal Purohit

    8 years ago

    REALLY!
    AB SHUT TT TER SHATTERED BUT NOT SHAKEN.
    ARE WE NOT ON THE SAME TEKTONIC TERRA FIRMA?
    I was busy commenting on Corruption at High Places.
    May be Ground Reacted.

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