PAN Verification API for KYC & Onboarding in India
Choose from PAN Lite, PAN Advanced, and Bulk PAN Verification APIs to validate PAN details in real time for customer KYC, lending, merchant onboarding, and compliance workflows.
Starts at ₹1.20 per verification · excl. GSTView Pricing
Overview
The PAN Verification API enables businesses to validate Permanent Account Number (PAN) details instantly. It is designed for compliance-driven onboarding, fraud prevention, and identity verification use cases across financial and enterprise platforms.
What Can You Verify With PAN Verification APIs?
Key details returned across all PAN Verification API endpoints, ready to power your KYC and onboarding workflows.
Name Matched?
Whether the submitted name matches the PAN record. Values: 'Y' (match), 'N' (no match), or null (unavailable).
DOB Matched?
Whether the submitted date of birth matches the PAN record. Values: 'Y' (match), 'N' (no match), or null (unavailable).
PAN Activation Status
Granular PAN activation status code. E: Valid, EC: Valid (Acquisition), N: Non-existent, X: Deactivated, F: Fake, D: Deleted, EA: Valid (Amalgamation), ED: Valid (Death), EI: Valid (Dissolution), EL: Valid (Liquidated), EM: Valid (Merger), EP: Valid (Partition), ES: Valid (Split), EU: Valid (Under Liquidation)
PAN Validity Status
High-level PAN validity: 'VALID' or 'INVALID'.
Aadhaar Seeding Status
Aadhaar-PAN seeding/linking status. Values: 'Y' (seeded), 'R' (registered but not confirmed), 'NA' (not seeded), or null.
Registered Name
Authoritative name registered in the PAN database.
Name on PAN Card
Name printed on the physical PAN card.
Type
PAN holder category (e.g., 'Individual', 'Company', 'Firm', 'Trust', 'HUF').
Gender
Gender from PAN record. Values: 'M' (Male), 'F' (Female).
Date Of Birth
Date of birth from the PAN record (YYYY-MM-DD).
Masked Aadhaar Number
Aadhaar number with first 8 digits masked for privacy (e.g., 'XXXX XXXX 1234').
Aadhaar Linked?
Whether the PAN is linked to an Aadhaar number.
Address
Structured address fields of the PAN holder.
Full Address
Complete address string.
PAN Verification API Flow – Sample Request and Response
Send simple inputs. Get rich, verified data in seconds.
Instant PAN validation with name and DOB match scores plus Aadhaar seeding status.
Key Features
Everything you need to integrate and scale
Real-Time PAN Validation
Verify PAN details instantly with structured responses.
High Accuracy Responses
Returns validated PAN information for reliable identity checks.
Automation Friendly
Easily integrate into digital onboarding and KYC pipelines.
Scalable Verification
Designed to support large volumes without performance impact.
Who Should Use This API?
Primary Use Cases
How to Integrate
Get started in minutes with our simple integration process
- 1
Sign Up
Sign up in minutes with your mobile number (OTP verify).
- 2
Verify Identity
Provide your PAN to verify your identity.
- 3
Test APIs Live
Load funds into your wallet and test the verification APIs live — evaluate before you integrate.
- 4
Integrate with AI
Ready to build? Visit our AI hub for free plugins & tools to integrate faster.
- 5
Go Live
Start validating PAN details in production.
Sandbox available for testing
Frequently Asked Questions
How fast is PAN verification?+
PAN verification is real-time with sub-second response times for instant identity validation.
What details are returned?+
PAN Lite returns PAN status, name match, DOB match, and Aadhaar seeding status. PAN Advanced returns holder name, PAN type, gender, date of birth, masked Aadhaar number, Aadhaar linking status, mobile number, email, and address.
How do I get started?+
Sign up at ekostore.app/eps, verify your identity with your PAN, load your wallet to test the verification APIs live, then integrate and go live.
What is EPS?+
EPS (Eko Platform Services) is the technology arm of Eko, providing the developer tools, AI tools, and APIs that power modern fintech integration.
What are the different ways to integrate with Eko EPS?+
Integrate in whichever way suits your stack: call the REST APIs directly, use our official SDKs (JavaScript and PHP) to skip request-signing boilerplate, or let an AI coding agent build the integration using our MCP server and skills. See the Developers and AI sections for each path.
How does API authentication work?+
Each request carries your static `developer_key` header plus a per-request `secret-key` header — an HMAC-SHA256 signature of the current timestamp, keyed by your access key. The access key itself is never sent over the wire. You receive UAT keys on signup and production keys after KYC.
Is there a sandbox environment for testing?+
Yes. A full sandbox environment is available immediately on signup. You can test your integration end-to-end before going live — no commitment required.
What are the sandbox and production base URLs?+
Sandbox and production share the same paths and differ only by base URL: use https://staging.eko.in/ekoapi/v3 for UAT / Sandbox, and https://api.eko.in/ekoicici/v3 for Production. A common cause of failures is calling the sandbox/staging URL with live credentials (or vice-versa) — make sure the base URL matches the keys you are using.
Do I need to whitelist my server IP?+
Production API access may require your static public (server) IP to be whitelisted. If your calls work from Postman but fail or time out from your own server, share your static public IP with us so we can whitelist it.
What response times can I expect?+
Most verification APIs return in real time with sub-second responses, and 99th-percentile latency stays under two seconds across verification endpoints. Transaction APIs (DMT, AePS, BBPS) respond within seconds.
Can the API handle high volumes?+
Yes. The API is designed to handle large-scale volumes reliably without performance degradation.
How is API usage billed?+
Usage is billed per successful API call with no minimum commitment. Volume-based pricing tiers are available — contact our team for detailed rates.
Recommended Solution Packs
Pre-bundled API stacks that include PAN Verification API, designed for common industry workflows.
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