What happens if I miss the 31 December 2025 deadline?

From 1 January 2026, your PAN becomes inoperative. Deductors may apply higher TDS/TCS, refunds can be held, and KYC-dependent services like trading or mutual funds may be blocked. Link soon after to restore operability. You can later claim excess TDS in your return, but cash flow can suffer.

How do I check pan aadhaar link status quickly?

Visit the Income Tax e-filing portal and use the Link Aadhaar Status option under Quick Links. Enter PAN and Aadhaar to view the result. If unlinked, pay the Rs 1,000 fee via e-Pay Tax, then submit the linking request and complete OTP verification. Keep screenshots for reference.

How do I pay the Rs 1000 late fee and how long does it take to reflect?

Use e-Pay Tax on the e-filing portal and select the Aadhaar–PAN linking fee. Pay via net banking, UPI, or card and save the challan. Reflection may take 48 to 72 hours, longer around year-end. Recheck status after it reflects, then complete the linking with OTP verification.

Will brokers and mutual funds block my account if PAN is inoperative?

They may restrict onboarding, trading, SIPs, and redemptions until PAN becomes operative. KRAs and AMCs require an operative PAN for KYC. Once linking is complete and status updates, services typically resume. Share your acknowledgement with the platform if they ask for proof during the interim.

Who is exempt from linking and how do I confirm?

Limited exemptions exist, such as certain NRIs and specific categories notified by CBDT. Most resident taxpayers must link. Check the e-filing portal for your status and review recent official guidance. If you believe you qualify, retain documents that prove eligibility and confirm with your tax advisor.

Global Market Insights

December 28: PAN-Aadhaar – 3 Days Left to Avoid Higher TDS, KYC Blocks

ByHuzaifa Zahoor December 28, 2025December 28, 2025

Pan Aadhaar link status matters now with only three days left before the 31 December 2025 deadline. From 1 January 2026, unlinked PANs turn inoperative, which can trigger higher TDS/TCS, refund delays, and KYC blocks for trading and mutual funds. We outline how to check aadhaar pan link status, pay the Rs 1000 late fee, and link pan with aadhaar today. Act early because payment reflection can take up to 72 hours, and year-end bank downtimes can slow processing.