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  • PAN Card - Permanent Account Number (PAN) in India

    Permanent Account Number or PAN, as it is commonly called, is a means of identifying various taxpayers in the country. PAN is a unique identification number assigned to Indians, mostly to those who pay tax. The PAN system of identification is a computer-based system that assigns unique identification number to every Indian tax paying entity. Through this method, all tax related information for a person is recorded against a single PAN number which acts as the primary key for storage of information. This is shared across the country and hence no two people on tax paying entities can have the same PAN.

    The idea behind PAN is similar to the Social Security Number or SSN used in the United States. SSN in the US is a unique nine-digit number issued to all citizens of the US, permanent and temporary both. Although, the primary aim for SSN creation was to track individuals for social security purposes, it has now become a primary identification number for taxation processes.

    Any PAN issued is valid for the entire lifetime of the PAN holder. This is so majorly because PAN is unaffected by any change of address of the PAN cardholder.

    History of PAN in India

    Earlier, before the concept of PAN was introduced, there was a GIR number assigned to taxpayers which was basically a manual system and as such was unique only within a ward or under a particular assessing officer. However, the number was not unique at the country level. In the year 1972, the concept of PAN was rolled out by the Indian government and was made statutory under section 139A of the Income Tax Act, 1961.

    The GIR number was allotted by the Assessing Officer to a tax payer and it included the Assessing Officer’s information as well.

    Another problem with the GIR system was that it was not a unique number. A GIR was unique only in that particular ward/circle, resulting in errors or the chances of miscalculations during tax assessment.

    The PAN card in its present form was first introduced in 1972, as a way to overcome these problems. Initially a voluntary process, it was made mandatory for all tax paying individuals in the country in 1976.

    The initial PAN number allotments were made manually, and to avoid duplication, each ward/circle received a certain set of numbers. This series was abandoned in the year 1995 due to a host of problems associated with it.

    In spite of these changes, the first avatar of the PAN card met with some difficulties, as mentioned below:

    • There was no database to maintain records of the PAN number allotted, with very limited information being recorded.
    • There was no centralised authority who issued the PAN cards, resulting in the possibility that different centres could allot the same number to different individuals in the country.
    • The PAN card number was not a permanent one as the number changed depending on the holder’s address.

    PAN Card Application

    As mentioned in the section above, PAN Card Application can be made either online at the NSDL website or by applying at any of the district level PAN agencies. Applications for new PAN allotment as well as those for correction or change of information can all be made by customers. Form 49A is the form that needs to be filled and submitted for application of new PAN.

    Additionally, there are ways to obtain duplicate PAN card in situations where an entity loses or misplaces the PAN card. Indians, foreigners and NRIs all can obtain PAN, although the forms and procedure may vary for each of these entities.

    Application forms for new PAN and reprint of PAN are different. Once, a user makes any of the above applications with regards to PAN, he/she can track the status of PAN application via the acknowledgement number furnished by NSDL.

    A PAN card can be applied for through the NSDL (National Securities Depository Limited) as well as through the UTIISL (UTI Infrastructure Technology and Services Limited). Applicants can submit their PAN card applications either offline or online.

    Online PAN Card Application Process

    The online application process for a PAN card is mentioned below:

    • Visit the TIN NSDL or UTIISL websites and select the ‘New PAN’ option
    • Select Form 49A for Indian citizens (including NRE/NRI/OCI individuals)
    • Fill in the details in the online form, mentioning details such as your full name, address, date of birth, gender, telephone number, income details etc.
    • On filling the form, submit it and pay the processing fee
    • Print the page with the 15 digit acknowledgement and sign in the space provided.
    • Affix passport sized photographs on the acknowledgement, proof of identity and proof of address documents and Demand Draft (if you are paying through DD).
    • The above are to be sent to the NSDL office by post within 15 days of submitting the online application.
    • The PAN will then be sent to the address within 15 working days.

    Offline PAN Card Application Process

    • Download the PAN card application form from the NSDL or UTIISL websites or collect a copy from UTIISL agents.
    • Fill in the form and attach supporting documents (proof of identity, address and photographs)
    • Submit the form and documents to the NSDL office along with the processing fee.
    • The PAN card will be sent to the address mentioned in the form within 15 working days.

    Steps to Procure Duplicate PAN Card if you have Lost Your PAN Card

    PAN or Permanent Account Number is an alphanumeric code consisting of ten digits that is provided to citizens by the Income Tax Department of India. This document is an extremely important proof of identity. However, in case someone loses or damages their PAN card, the steps below should be followed in order to procure a duplicate PAN card.

    • Applicants must visit the official web portal of NSDL and apply for a ‘PAN Change Request’ form and fill in all the details.
    • If applicants wish to procure a new card without changing any details or the PAN number in case they have lost or damaged their original card then after filling all details, they should not select any box on the left of the margin.
    • As long as there are no changes to be made in the PAN card, their address will be updated in the database of ITD based on the address provided in the form.
    • Once this is done, they will have to submit a document of identity proof such as passport or Aadhar number, a document for address proof such as Voter’s ID or utility bills, along with proof of issuance of PAN number such as a photocopy of the damaged/lost PAN card and submit the form.
    • A nominal fee will have to be paid online either through credit card/debit card or net banking after which they will receive an acknowledgement through which they can track the status of their application.

    PAN Card Application Do’s and Don’ts

    • Remember to fill in all the details as per the identity and address proof documents you are submitting.
    • Do get thumb impression attested by a Magistrate/Notary before submitting the form to avoid disqualification.
    • Write the complete address and provide accurate contact details in the form.
    • Do fill in the application form in capital letters.
    • Don’t make corrections or over write anywhere on the form.
    • Do not use initials in the first name or last name columns.
    • Do not apply for a new PAN card if your old PAN card is lost/stolen/defaced.

    Documents required for PAN

    Certain basic documents for proof of address and identity proof are required to be furnished by the PAN applicant. NSDL verifies this information with their central database and rejection of PAN applications is not an uncommon thing when information furnished is incorrect or incomplete.

    PAN Card Forms

    • There are two types of forms for a PAN Card-
    • Form 49A- Form 49A is the PAN Card Application form for all Indian citizens, whether they are residents of India or not. NRI (Non Resident Indians) can also apply for a PAN card using this form.
    • Companies, firms, NGO (Non-Governmental Organisations), partnership firms, local bodies, trusts etc. also have to submit Form 49A when applying for a PAN card.
    • PAN cards for minors and students have to be applied by submitting Form 49A as well.
    • Form 49AA- this form is to be submitted by foreign nationals who are pay tax in the country. Limited Liability companies, firms, trusts, Body of Individuals and Association of Persons registered outside India are to submit Form 49AA duly filled in and signed when applying for a PAN card for tax purposes in India. OCI (Overseas Citizen of India) and NRE (Non Resident Entity) individuals will have to apply for a PAN card using this form.
    • Entities applying for a PAN card by submitting form 49AA will have to submit their passport/OCI/PIO cards in addition to bank account statements from their resident country as proof of address and identity.

    Tracking PAN Applications and Transactions

    • The government has recently unveiled a programme by which it can track transactions made through a PAN card for the purpose of calculating tax. Known as the Income Tax Business Application-Permanent Account Number or ITBAN-PAN, it will enable the Income Tax Department to track every transaction made where a particular PAN number was quoted.
    • All financial transactions such as mergers, acquisitions, liquidation, and amalgamation of PAN as well as dissolution information where a particular PAN card was quoted can be traced through the software.
    • All existing PAN information and the entire database of PAN information has also been moved to this software.

    Issuing of PAN Card

    PAN issuing authority

    Authorized PAN agencies at district level and NSDL (National Securities Depository Limited) are the two issuing authorities that look into PAN applications. Therefore, anyone looking to obtain PAN can either apply physically at any of these district level PAN agencies or apply online at the NSDL website.

    PAN Allotment

    • PAN is issued to customers when they submit their PAN applications via filled form 49A. Assessing officers assess the application details using AIS system on computer and after a round of basic verification, the application is sent to the computer centers, where date is entered using the IPAN system and is then transferred to the central data system in Delhi. Since, central data is with National Computer Center, the taxpayer database is checked for information verification. In case, there is no record of PAN allotted to an entity in the past, then the PAN request is accepted and PAN is allotted.
    • The above mentioned method is when batch allocation of PAN is done through IPAN. Another way is to allot PAN online through AIS. In this method, customer submits form 49A to the Assessing Officer, who does the data entry and verification and sends it to the National Computer Centre which does PAN allocation and sends it back to the AO who in turn send these details to be printed and passed on to the PAN applicant.

    Operating model

    • The process of issuing of PAN works on the PPP model which is Public Private Partnership model. This is so for reasons of economy, efficiency and effectiveness of the PAN issuing model. Income tax department has involved two reputed entities, the NSDL and the UTIITSL (UTI Infrastructure Technology Services Limited) for processing of PAN applications as well as collecting, handling and verifying of personal documents.

    Structure of PAN

    Contents of PAN Card

    PAN card is issued with every PAN that is allotted to an entity. There are certain details that are printed on the PAN card. These details are permanent details which are not supposed to change with the passage of time. This helps in unnecessary updating of PAN details and records on change of temporary details like address, contact number etc.

    Here are the details that are captured in a PAN card issued to an individual taxpayer.

    • Permanent Account Number (Along with built-in status of the assesse and check alphabet)
    • Full name of the PAN cardholder
    • Name of father of PAN cardholder
    • Date of Birth
    • Photograph
    • Signature

    Listed below are the details that a PAN card capturers for entities other than individual

    • Permanent Account Number (Along with built-in status of the assesse and check alphabet)
    • Full name
    • Date of incorporation

    All the information that is listed on the PAN card is first checked against the information furnished by the PAN applicant in form 49A. Address is not printed on the PAN card since it is susceptible to change. Also, for organizations, businesses, HUFs etc. it is impossible to list all information on the PAN card and hence, PAN cards are issued to partners, members or directors of a company, on an individual basis.

    Structuring of Permanent Account Number, PAN

    Permanent Account Number is effective because of its uniqueness. It is an interesting thing to learn about the structuring of PAN. There is a lot of hidden information that goes into the making of the Permanent Account Number.

    PAN is generated automatically by the online system by taking into account the information furnished by the PAN applicant.

    • First Three Characters

      The first three characters of PAN are a sequence of alphabets from AAA to ZZZ

    • Fourth Character

      The fourth character signifies the type of taxpayer that you are.

      • A — Association of Persons (AOP)
      • B — Body of Individuals (BOI)
      • C — Company
      • F — Firm
      • G — Government
      • H — HUF (Hindu Undivided Family)
      • L — Local Authority
      • J — Artificial Judicial Person
      • P — Individual
      • T — AOP (Trust)
      • K — Krish (Trust krish)

      So if an individual obtains PAN, his/her PAN will have the fourth character as ‘P’ which stands for individual taxpayer.

    • Fifth Character

      The fifth character in PAN is the first letter of your surname. So, if a person is named ‘Rajesh Khanna’, the fifth character of his PAN will be ‘K’

    • Last Character

    Types of PAN Cards

    The Income tax Department has mandated that all tax paying entities register and possess a PAN card. While this applies to individuals, companies, partnership firms, NGO’s as well as foreign firms also come under the purview of this directive.

    As a result, PAN cards are issued for individuals as well as companies.

    PAN Card for Individuals

    A PAN card for individuals is used to keep track and link all financial transactions that attract tax, with the IT department calculating the total taxable amount due on the basis of this data.

    PAN Card for Companies

    A PAN card for organisations is similar to that for individuals, with the exception that there is no photograph on the physical PAN card. Also in lieu of the date of birth mentioned on individual PAN cards, the date of registration of the company/organisation is mentioned.

    PAN for foreign citizens in India

    All foreign citizens who wish to carry out business in India are required to obtain PAN. The procedure for doing so is same as applicable to resident Indians. However, the application form for foreigners is form 49AA . All entities that are eligible to obtain PAN as Indian citizens are also eligible to obtain PAN as foreign citizens. This list includes entities like HUFs, individuals, trusts and so on.

    The IT Department calculates the amount of tax the company/organisation is required to pay through its various transactions, all of which now require quoting the PAN card.

    Old PAN Series

    The first series of PAN was launched in the country, in the year 1972. However, there were certain issues with that series which resulted in the issuing of the current PAN structure than we have.

    • A central database was not maintained and hence, there was absolutely no way to verify multiple PAN allocation to a taxpayer
    • The data that was stored for PAN holders was neither structured well nor did it capture detailed information except a few primary details like name, address etc.
    • PAN was not a permanent number since it depended upon the jurisdiction of the assesse and hence changed when the assesse changed his/her location

    New PAN Series

    The old method of registering taxpayers which involved the General Index Register Number or the GIR was replaced by Permanent Account Number in the year 1972. However, this was the old series of PAN which still needed some improvements and had drawbacks as listed in the section above. Hence, in the year 1995, under an amended section 139A of the Income Tax Act, the new series of PAN was rolled out by the Income Tax Department.

    The new PAN series facilitated the following points which were earlier not included in the old series of PAN –

    • Linking of all tax related information, current as well as past, to a single identification number
    • Easy retrieval of information from the central database. This is because with the launch of the new PAN series, the segregation and recording of data was done more effectively
    • Matching all financial information mapped against a single PAN, so that all loan details, credit and debit details as well as investment details could be tracked to a single customers and thereby reining in tax evasion

    Why is PAN important?

    A PAN card is a document that no taxpayer can do without. Besides being compulsory in order to file your Income Tax returns and to receive a tax refund, a PAN card also serves an accepted proof of identity and has now been made mandatory for a number of transactions of both a business as well as a personal nature. A comprehensive list of the various activities that require a PAN card to complete or authenticate the activity are mentioned below:

    Mandatory uses of PAN

    • PAN needs to be quoted while paying direct taxes
    • While registering a business, PAN information needs to be mandatorily furnished
    • Taxpayers need to input their PAN when paying income tax
    • A lot of financial transactions require PAN information. Some of these transactions are:
      • Sale or purchase of property (immovable) which is valued at Rs.5 lakh or above
      • Sale or purchase of a vehicle except a two-wheeler
      • Payments that are made towards hotels and restaurants and which are above Rs.25,000
      • Payments made in connection with travel requirements to other countries. The amount in this case if it exceeds Rs.25,000, then an individual needs to quote his/her PAN
      • Making payments of more than Rs.50,000 towards bank deposits in a bank
      • Acquiring bonds by paying an amount equal to or greater than Rs.50,000
      • Payments made for more than Rs.5 lakhs towards purchase of jewellery and bullion also require PAN information of the purchaser to be furnished
      • Any purchase of mutual fund schemes
      • Any amount greater than Rs,50,000 used towards purchasing shares
      • Any payment of more than Rs.50,000 made towards acquiring an insurance policy needs PAN information of the policyholder
      • To Remit money out of India
      • Pan information is required for transfer of funds from NRE to NRO account

    General uses/advantages of PAN

    • Since PAN card contains information like Name, Age and photograph, it can be used throughout the country as a valid identity proof
    • PAN is the best possible way to keep track of your tax payment. Otherwise, you might be required to pay it multiples times since your tax payment cannot be verified
    • Since, PAN is unique for every entity and hence, misuse of the same is almost impossible for purposes of tax evasion etc.
    • PAN card can be used as a document that is required to avail connections like electricity, telephone, LPG and internet.
    • PAN is a unique identification number assigned to taxpayers and hence it is used to track all financial information like payment of taxes, investments made and debt liability of an entity, to a single customer.

    Concepts Similar to PAN Card

    The concept of a PAN card, or a unique number assigned to every tax paying entity is not a new concept. In fact, there are a number of similar such utilities that are used for tax purposes.

    TAN (Tax Deduction and Collection Account Number) - This is a unique 10 digit number that is issued to individuals and entities who have to collect or deduct tax on payments they made as part of tax Deducted at Source (TDS) under the Income Tax Act.

    The TAN has to be quoted when applying for TDS or Tax Collected at Source (TCS) challans made to disburse the refund as well as on certificates. Failure to quote the TAN would result in a fine of Rs. 10, 000.

    TIN (Taxpayer Identification Number) - A TIN number is a unique 11 digit number that is used to identify dealers who are registered under the Value Added Tax. Allotted by individual states, it is compulsory for all manufacturers, traders and dealers to register for a TIN number. This number is to be quoted when generating invoices, orders or quotations by both the issuing as well as the receiving company.

    It is also used to identify assesses under the Income tax Act of 1961.

    Who is allotted a Permanent Account Number?

    PAN is allotted to people who fall under any of the following categories.

    Under section 139A of the Income Tax Act, following are the taxpaying entities that are required to have a Permanent Account Number:

    • Any person who has paid tax or is liable to pay tax to the Income Tax Department
    • Any person who is carrying out a business or professional practice which earns him an yearly turnover of Rs,5,00,000 or more in the previous year of assessment
    • All kinds of trusts in the country
    • Importers and exporters who are liable to pay any form of tax or duty charges as per the Income Tax Act or as per any other law, currently in force

    PAN is supposed to be applied for by all tax paying entities including individuals, HUFs, partnerships, companies, body of individuals, trusts etc. Also, PAN is furnished by the Income Tax Department for other similar entities like minors, judicial persons, firms, Krish etc. Also.

    At the time of allotment of PAN to an entity, PAN card too is furnished by the Income Tax Department. While PAN is a unique identification number, PAN card is a physical card that has your PAN details as well as name, age and photograph. Copies of this card are submitted by entities for various transactions when required.

    What Happens If I Don’t Have a PAN Card?

    If your income falls into a taxable bracket, not having a PAN card would result in:

    You paying a flat 30% tax on your earnings and wealth, as stipulated by the Income Tax Department of India. This rule applies to individuals, companies and all entities eligible for tax, including foreign nationals and firms registered outside India.

    Not having a PAN card will mean you will be unable to purchase a motor vehicle, buy immovable property worth over Rs. 10 lakh, and open an account with any bank in the country among other activities.

    Businesses too will be charged TDS at a flat 30% and will be unable to conduct a large chunk of their activities since quoting PAN has now become mandatory for everything from purchasing land in India to rendering any sort of professional services in the country.

    Read PAN Card news or Enjoy it on the go Google Play

    • PMPML makes ID cards compulsory

      The PMPML (Pune Mahanagar Parivahan Mahamandal Limited) has made identification cards like the Aadhaar card, PAN card and driving licence mandatory for bus passes. This particular decision has been taken because of complaints about the daily passes, which are being used once and then passed to some other commuter.

      The daily pass that costs Rs.50 received a great response from the commuters. The prices dropped from Rs.70 to Rs.50 marking the completion of 1 years of Sangamwadi-Vishrantwadi BRTS corridor. Passes have been made available by the Pune Mahanagar Parivahan Mahamandal Limited till February, 2017.

      26th October2016

    • Members who withhold client code may face penalty

      SEBI, the commodity and capital regulator of market has asked commodity exchanges to charge a heavy penalty of 1% on every trade that has been executed by members prior to uploading the unique client code of the client.

      It was also said that if the details of the client have not been uploaded within one month of the trade, then the member may be suspended. Members will have to provide and update the code and PAN details of the client to the commodity exchanges every month. Information should reach the exchange within a week of the following month.

      The penalty that has been collected by the exchanges will have to be transferred to the Investor Protection Fund, said SEBI while providing a new circular updating and consolidating the UCC and compulsory requirement of PN issued by the Forward Markets Commission. This directive will come into effect immediately and will supersede directives provided earlier.

      A database of details of clients will have to be maintained by the commodity exchanges that have been submitted by members for 7 years. It should also be ensured that copies of PAN cards have been collected and cross-verified with the details provided in the Income Tax Department website.

      7th October2016

    • Procuring Documents Has Become Much Easier Now

      Some of the most important documents that individuals must possess are, Aadhaar Card, Voter ID and Pan Card. However, the process to procure these documents has always been quite cumbersome and time consuming. The good news is that, situation is a lot better now as applicants need not visit tehsil or district offices to get these documents.

      Applicants can now visit any of the CSCs or Common Services Centers and pay for the form(s). These prices have already been fixed. Customers can procure colour Voter ID, PAN card (fee of Rs.107 is charged) and even their Aadhaar card for the same. Similarly, if applicants wish to procure a Passport, they will have to visit one of these Centers and submit the application form and fee. This Centre will aid the individual in availing an appointment at the Passport office. A fee of Rs.100 is charged for the same.

      27th September 2016

    • Government to Integrate PAN Card and Private Services with Digilocker

      To make sure that all financial transactions are made conveniently, the NDA government has decided to integrate PAN card with Digilocker. PAN card is one of the most important financial documents in India as it is required for important transactions related to taxes. A framework has been created that will permit private firms to offer Digilocker services. At present, the Digilocker has over 2 million registered users, out of which 17,000 are either 10 years old or less. Recently, the government had integrated driving license and vehicle registration certificate with the Digilocker. Some reports say that the government is thinking to appoint an authority to manage the Digilocker system. This authority will set up a directory for the digital locker, provide license to private service providers and authorize them to offer electronic depository facility, access gateways, digital locker portals, etc.

      19th September 2016

    • E-wallet registration date extended till October 30

      IRCTC (Indian Railway Catering and Tourism Corporation) has been encouraged by the growing acceptance of the e-wallet by the passengers. So, they have extended that free registration deadline to October 30, 2016. They did this for a second time in a row.

      Indian Railway Catering and Tourism Corporation launched the e-wallet service as an alternate method of payment. It is a pilot project of the Indian railways. According to the Managing Director and Chairman of IRCTC, A K Manocha the registration fee for the e-wallet has been waived off till October 30, 2016 for convenient and smooth reservations on the portal. IRCTC also solved certain complaints of tickets not being booked by money got deducted.

      19th August 2016

    • Jewellers to Track Purchase of Gold

      Jewellers will now track all gold purchases made by cash regardless of the amount spent as part of the Centre’s drive to curb black money. A total of all cash purchases made during the year will be kept track of by the jeweller, especially if purchases increase the threshold limit of Rs.2 lakh. A close tab will also be kept on jewellers by the Income Tax Department to ensure that purchases are always reported.

      As per current rules, buyers will have to produce a PAN card if the purchase amount crosses Rs.2 lakh. Therefore, certain individuals take advantage of this and purchase gold amounting to below Rs.2 lakh but make multiple purchases, thereby going unnoticed. The responsibility of checking whether the documents are authentic or not will be with the jeweller.

      18th August 2016

    • Tools Exporter Brought on Warrant for having Three PAN Cards

      A tools exporter was brought on production warrant by the Jalandhar Commissionerate Police from Modern Jail in Kapurthala for owning three PAN card. He was remanded into to three day custody for interrogation. The bail application of Lucky Kakkar had been rejected by the court and was lodged in Modern Jail. He was booked by the police of Model Town on charge of cheating. The Income Tax Department was also asked by the police regarding Lucky Kakkar’s two additional PAN Cards.

      The IT department was also asked to confirm if he had procured the additional cards on false documents. The defense counsel in court had argued that, since two PAN cards were already recovered from him, there was no need to take Kakkar on production warrant. IPC Sections 467 and 120-B were also added along with Section 277 of the IT Act.

      9th August 2016

    • Passport and Pan Card Can Be Procured at Petrol Pump

      In order to increase availability and accessibility in rural areas, the Central Government has decided to allow citizens in these areas to procure documents ranging from Passports to Pan Cards at petrol stations. In order to facilitate this, the government has tied up with Bharat Petroleum Corporation Limited.

      Facilities such as e-commerce, DTH recharge, passport, money transfer and PAN card procurement will be available at these stations. A tie up with gas agencies has also been announced. These facilities and more such as counselling for farmers will be available at certain stations and any other help, if needed, will be provided.

      26th July 2016

    • Union Cabinet Amends Citizenship Rules for Migrants

      The Union Cabinet has amended the Citizenship Rules 2009 in favour of foreign minority migrants. For these migrants living on long term visas (LTV) in India, this amendment is welcomed as facilities will now be extended to persons from minority communities of Pakistan, Bangladesh and Afghanistan, primarily to Hindus, Buddhists, Sikhs, Jains, Parsis and Christians. This change will help ease out the difficulties faced by foreign migrants as they can now open bank accounts and apply for driving licences, Aadhaar card and PAN card. Migrants can also purchase property for self-occupations. They are also permitted to find suitable accommodation in order to carry out self-employment. Migrants are granted free movement within the union territory or state in which they are residing.

      15th July 2016

    • New Fool-proof System Required to Cross-check Bank Customers’ Data

      KV Chowdary, Central Vigilance Commissioner, wishes to introduce a network of systems for bank officials to cross-check the authenticity of data declared to them in KYC applications. Mr Chowdary revealed last week that while norms will dictate the areas that will be taken into consideration as there are many shortcomings in the KYC forms. While banks do not possess an online facility for verification of documents provided by customers yet, the possibility of frauds providing morphed or fabricated ID proofs such as driving license or PAN card cannot be disregarded. To eliminate this concern and ensure that customers submit authentic documents, a new fool-proof system is expected to be designed and implemented in the near future.

      14th July 2016

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