PAN / GST / IFSC Validator

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How it is calculated

A PAN is 5 letters + 4 digits + 1 letter, where the 4th letter marks the holder type (P = individual, C = company, F = firm/LLP). A GSTIN is 15 characters — a 2-digit state code, the 10-character PAN, an entity number, the letter Z, and a final check digit computed with a base-36 Luhn algorithm, so a single mistyped character is caught. An IFSC is 4 bank letters, a 0, then a 6-character branch code. This tool checks structure and the GSTIN checksum offline; it does not confirm live registration on the government portal.

Format validation is not existence verification

This tool checks structure, and for a GSTIN it verifies the official check digit. What it cannot do is confirm that the number is actually allotted, currently active, or belongs to the person who gave it to you. A structurally perfect GSTIN can be cancelled, suspended or simply invented. For anything commercially significant, verify the number on the government portal and check the registration status and the legal name against your invoice.

What the characters in a PAN mean

A PAN is five letters, four digits and a final letter. The fourth character encodes the holder type — P for an individual, C for a company, H for a Hindu undivided family, F for a firm or LLP, T for a trust, A for an association of persons. The fifth letter is the first letter of the surname for an individual or of the entity name otherwise. This makes it possible to spot immediately when a PAN supplied as a company's is in fact an individual's.

Why the GSTIN checksum matters

A GSTIN is fifteen characters: a two-digit state code, the ten-character PAN of the registrant, an entity number for that state, the letter Z, and a final check digit computed over the preceding characters. Because the PAN sits inside the GSTIN, the two can be cross-checked against each other. The check digit means a single mistyped character will fail validation — which catches transcription errors before they reach an invoice and, from there, your GSTR-1.

Wrong details on an invoice cost your customer their credit

An incorrect GSTIN on a tax invoice flows into your GSTR-1 and lands the supply against the wrong recipient, or nowhere at all. Your customer then cannot see it in their GSTR-2B and cannot claim the credit, and correcting it requires an amendment in a later period. Validating the GSTIN at onboarding, rather than at the first dispute, is the cheapest point at which to catch it.

IFSC, and where the money actually goes

An IFSC is four bank letters, a zero, and a six-character branch code. Bank transfers are executed on the account number and IFSC, and beneficiary name matching is not guaranteed to prevent a transfer to the wrong account. Confirm both with the payee directly rather than from an email that could have been altered in transit, and send a small test amount before a large first payment.

Frequently asked questions

Can I verify if a GST number is real?

This tool confirms the GSTIN is well-formed and passes its official checksum, which catches typos and fabricated numbers. To confirm the business is actively registered, check the GSTIN on the official GST portal's 'Search Taxpayer' page.

What does the 4th letter of a PAN mean?

It identifies the holder type: P = individual, C = company, H = HUF, F = firm/LLP, A = AOP, T = trust, B = body of individuals, L = local authority, J = artificial juridical person, G = government.

What is the check digit in a GSTIN?

The 15th character is a checksum computed from the first 14 characters using a base-36 modulo algorithm. If someone mistypes any character, the checksum won't match — which is how this validator flags an invalid GSTIN.

Does an IFSC always have a 0 in the middle?

Yes. The 5th character of every IFSC is always the digit 0 (reserved for future use); the first four letters are the bank code and the last six are the branch code.

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