The National Payments Corporation of India (NPCI), through Circular No. NPCI/2025-26/NACH/004 issued on June 17, 2025, has directed all NACH Member Banks to prioritize the integration of a Real-Time PAN and Bank Account Validation API. This API service, previously made available, is specifically for use by Government departments, including the Income Tax Department’s E-Filing Portal. The primary purpose of this integration is to enable government entities to verify customer account details, such as PAN validation, account status, and account holder name, directly from the banks’ Core Banking Systems (CBS). This mandate builds upon earlier NPCI circulars concerning API services for banks and government departments. Technical specifications and detailed integration guidelines for the NACH PAN & Account Verification API are to be provided to banks separately. Banks are advised to disseminate this information internally and address any clarifications through the CRM Tracker.
National Payments Corporation of India
NPCl/2025-26/NACH/004 Dated: June 17, 2025
To
All NACH Member Banks
Integration of Real-Time PAN and Bank Account Validation API on income Tax Department’s E-Filing Portal
Reference may be taken from Circular No. 009 (NPCI / 2019-20 f NACH I Circular No. 009), Circular No. 027 (NPCI / 2018-19 / NACH I Circular No. 027) and Circular No. 27 (NPCI 12018-19 I NACH / Circular No. 027) regarding API Services provided to banks / govt. departments as per the specifications outlined in respective circulars. Additionally, an API service is made available for PAN & Bank Account validation.
This API will be used by Government departments to verify the customer account details like PAN validation/Account Status Validation/Account holder name validation from their bank CBS.
As this is a service provided to the Government of India all the Member Banks are advised to take necessary steps for implementation on priority.
Technical specifications and comprehensive integration guidelines for the NACH PAN & Account Verification API shall be shared separately with the banks.
The information herein may be disseminated for all concerned.
For any clarifications, please raise through CRM Tracker.
With warm regards,
SD/-
Giridhar GAM
Chief — Customer Success
