PAN Verification API
Validate any Indian PAN in real time — confirm the holder name, status and category with a single API call.
What is the PAN Verification API?
The BILAPI PAN Verification API lets you confirm that an Indian Permanent Account Number (PAN) is genuine and active, and that it belongs to the person or business your customer claims to be — in a fraction of a second, directly inside your onboarding flow.
Send a 10-character PAN and receive a structured JSON response with the registered holder name, PAN status and category (individual, company, HUF, firm, trust and more). It is built for lenders, fintechs, insurers, marketplaces and any team that runs KYC, tax or vendor-onboarding checks at scale.
Every call runs over TLS 1.3, is logged for audit, and is billed only when it returns a result — invalid PANs and failed lookups are never charged to your wallet.
What the PAN Verification API returns
Every successful call returns a clean, predictable JSON envelope. The data object includes the fields below (exact fields vary by record availability).
| Field | Description |
|---|---|
pan | The PAN that was checked, echoed back in canonical uppercase form. |
registered_name | Full name registered against the PAN with the income-tax department. |
name_match | Match score/flag when you pass a name to verify against the registered name. |
category | PAN holder type — Individual, Company, HUF, Firm, AOP, Trust, Government, etc. |
status | Whether the PAN is valid and active, or flagged/invalid. |
last_updated | When the underlying record was last refreshed. |
Sample request & response
Call the endpoint with your API key in the X-Bilapi-Api-Key header. The same request shape works in the free sandbox and in production.
POST https://api.bilapi.com/v1/pan-verification-api
X-Bilapi-Api-Key: <your_api_key>
Content-Type: application/json
{
"pan": "ABCDE1234F",
"name": "Rahul Sharma"
}{
"status_code": 200,
"success": true,
"message": "PAN verified",
"data": {
"pan": "ABCDE1234F",
"registered_name": "RAHUL SHARMA",
"name_match": true,
"category": "Individual",
"status": "VALID"
}
}Key features
Real-time results
Sub-300ms median response so PAN checks never slow your onboarding funnel.
Predictable JSON
The same clean response envelope as every BILAPI endpoint — parse once, reuse everywhere.
Only pay for hits
Invalid inputs and failed lookups are never charged to your wallet.
Secure by design
TLS 1.3 in transit, PII tokenisation at rest and a full audit log on every request.
One key, every API
Sandbox to production on a single key — no per-vendor contracts or integrations.
Built to scale
99.9% uptime target with bulk and webhook-friendly workflows for high volume.
Where it's used
Customer onboarding
Auto-fill and validate identity during signup to cut drop-off and manual review.
Lending & underwriting
Add a verified data point to credit decisions and reduce first-party fraud.
Fraud & risk
Flag mismatches and synthetic identities before they enter your system.
Compliance & audit
Keep a tamper-evident trail of every verification for KYC/AML reviews.
How it works
Create a free account
Sign up on the BILAPI console and get a live API key instantly.
Send a request
POST the required PAN fields to the endpoint with your API key in the header.
Get structured JSON
Receive a clean, predictable JSON response in milliseconds.
Plug into your flow
Drop the result straight into onboarding, underwriting or risk decisioning.
Frequently asked questions
What is the PAN Verification API?
It is a REST API that validates an Indian PAN in real time and returns the registered holder name, PAN status and category as JSON. You send the PAN (optionally a name to match) and get a verified result in milliseconds — no manual checks or portals.
Can I match the holder name against the PAN?
Yes. Pass a name alongside the PAN and the response includes a name-match flag, so you can confirm the PAN actually belongs to the customer during KYC.
How fast is a PAN check?
Most PAN verifications complete in well under 300ms at the median, so the check fits inline in a live signup or loan-application flow without slowing it down.
Do I get charged for an invalid PAN?
No. You are billed per successful call from your wallet balance. Invalid inputs and failed lookups are free.
Is a sandbox available before going live?
Yes — every BILAPI account includes a free sandbox so you can test the request shape and response envelope before sending real traffic to production.
Is PAN data handled securely?
All traffic is encrypted with TLS 1.3, sensitive fields are access-controlled, and every request is logged. Data handling follows India's DPDP principles.
Related PAN Verification APIs
Start verifying with BILAPI
One key, a free sandbox and a predictable JSON envelope across every endpoint.