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UPI is a single payment interface offered by NPCI(National Payment Corporation of India) across all the banks those are providing UPI services. It works on IMPS platform so is available 24*7. Important Features of UPI  Facility will be available 24*7 Will use virtual identifier to send or receive payment virtual identifier will be in the form of mail address like test@andb, test@cnrb etc. Will allow customers to transfer money across banks person to person and for bill payment and purchase Multiple Accounts can be operated using single App Participating Bank in UPI First Phase Andhra Bank Axis Bank Bank of Maharashtra Bhartiya Mahila Bank Canara Bank Catholic Syrian Bank DCB Bank Federal Bank ICICI Bank Oriental Bank of Commerce Karnataka Bank UCO Bank Union Bank of India United Bank of India Punjab National Bank South Indian Bank Vijaya Bank Yes Bank TJSB Sahakari Bank Transactions That Can Happen Using UPI Person to Person Fund Transfer U

PAN is our Permanent Account Number that is one of the most important Photo Identification proof as well as mandatory for filing income tax return to Income Tax of India. It has become mandatory in India for any financial transaction like opening a bank account, Opening a Demat Account for trading, Investment in Mutual Fund, Application of any loan etc. It is 10 Digit Alphanumeric. It is unique for each individual and valid for life time once issued. Format of PAN is AAAAA9999A. In which,  - from first to third character is sequence of AAA to ZZZ,  - fourth character denotes type of applicant,  - fifth character depicts the first letter of last name or sir name of        applicant,  - from sixth to ninth character is sequence number from 1111 to          9999 and  - last tenth character is check digit.  How to get PAN Application can be submitted for New PAN or Reprinting of PAN online using below address  https://www.onlineservices.nsdl.com/paam/endUserRegi

Access below URL and read instructions carefully before apply for PAN https://tin.tin.nsdl.com/pan/correctiondsc.html Scroll Down the screen and select Category of Application Fill the Application Form Upload Photo, Signature, PAN Copy and other documents as proof Payment Receipt Aadhar Authentication Aadhar OTP Verification After successful validation of Details and Payment you will receive one confirmation mail from NSDL that they will verify the document and intimate in next three working days.