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<ul><li>The government has warned about a new way <keyword id="19962622" type="General" weightage="20" keywordseo="scammers" source="keywords">scammers</keyword> are trying to obtain <keyword id="20189059" type="General" weightage="20" keywordseo="personal-information" source="keywords">personal information</keyword>.</li><li>Users have reportedly received an SMS asking them to update their PAN to unblock their <keyword id="20417750" type="General" weightage="20" keywordseo="bank-account" source="keywords">bank account</keyword>.</li><li>Here's everything you need to know about the <keyword id="22918614" type="General" weightage="100" keywordseo="fake-PAN-SMS" source="keywords">fake PAN SMS</keyword> and how to stay safe.</li></ul>Increased usage of the internet has also resulted in an increase in <keyword id="20025584" type="General" weightage="20" keywordseo="online-fraud" source="keywords">online fraud</keyword>. Scammers are finding new ways to fool people and steal from them. A new method has now been revealed, which preys on users with an account in <keyword id="19985316" type="General" weightage="20" keywordseo="India-Post-Payments-Bank" source="keywords" meta.keywordsubtype="org" meta.entityname="India Post Payments Bank" meta.hostid="261" meta.entityid="India Post Payments Bank">India Post Payments Bank</keyword>. According to a post by PIB Fact Check, several users have received an SMS which claims to be from India Post Payments Bank. However, the message is fake and is an attempt to steal user data. “This claim is #Fake. @IndiaPostOffice never sends any such messages. Never share your personal &amp; bank details with anyone,” PIB Fact Check said in its post on X. <div type="twitter" handle="PIBFactCheck" handlename="PIBFactCheck" favoritecount="0" retweetcount="0" id="1825494609881170290"></div> <h2>What is the fake PAN SMS?</h2> In the SMS, the user is warned that their India Post Payments Bank account has been blocked. It then asks the users to update their PAN to get their account unblocked. The user is then given a link, asking them to click on the link to update their PAN. <div type="Article" hostid="261" msid="111512587" title="Jio vs Airtel vs Vi recharge plans comparison – plan benefits and price comparison after tariff hike" mstype="2" mssubtype="0"></div> The link then redirects the user to a <keyword id="20182216" type="General" weightage="20" keywordseo="phishing" source="keywords">phishing</keyword> page, aimed at stealing user data such as their bank account login details to gain access to their account. Once you enter your bank account login details, they will be sent to the scammer. <h2>What is phishing?</h2>Phishing is a cyber-attack where attackers impersonate legitimate organisations or individuals to trick people into revealing sensitive information like passwords or credit card details. This is usually done through deceptive emails, messages, or fake websites. <h2>How to stay safe from phishing attacks?</h2>Here are some ways you can identify phishing attacks and stay safe: <ul><li>Verify the sender: Check the sender’s email address or phone number carefully. Phishers often use addresses that look similar to legitimate ones but have small differences.</li><li>Look for red flags: Be wary of unexpected messages, especially those requesting sensitive information or containing urgent or threatening language.</li><li>Verify before opening: Only open attachments from trusted sources. Phishing emails often contain malware disguised as legitimate files.</li><li>Add two-factor authentication: Enable two-factor authentication on your accounts. This adds an additional layer of security even if your password is compromised.</li><li>Contact directly: If you receive a request for sensitive information, verify the request by contacting the organisation directly through known and trusted channels.</li><li>Report phishing attempts: Report phishing emails to your email provider or the relevant authorities. This helps in tracking and stopping phishing schemes.</li></ul>SEE ALSO: <a href="https://www.businessinsider.in/tech/how-to/how-to-add-music-to-instagram-profile/articleshow/112732934.cms">You can now add music to your Instagram profile – here's how</a> <a href="https://www.businessinsider.in/business/auto/webstories/2024-tvs-jupiter-vs-honda-activa-6g-which-110cc-scooter-should-you-buy/slidelist/112730069.cms">2024 TVS Jupiter vs Honda Activa 6G – which 110cc scooter should you buy?</a> <a href="https://www.businessinsider.in/tech/mobile/webstories/iqoo-z9s-pro-vs-moto-edge-50-fusion-which-is-the-best-smartphone-under-25000/slidelist/112703633.cms">iQOO Z9s Pro vs Moto Edge 50 Fusion – which is the best smartphone under ₹25,000?</a>

Govt warns about fake SMS asking users to update their PAN – what it is and how to stay safe

<ul class="summary-list"><li>I make a good living as a freelance writer, but I still have debt and financial anxiety.</li><li>There are some emotional reasons behind my financial habits and I recently sought help for both.</li></ul>Last year, I made $250,000 before taxes as a self-employed writer, yet I'm still in debt. While I could justify my financial situation easily — living in an expensive city like New York makes my $250,000 pre-tax income <a target="_blank" href="https://www.businessinsider.com/making-six-figure-salary-in-new-york-feels-like-36k-2023-3">feel like about $90,000</a> after taxes — I also realized this spring that I have underlying emotional reasons that keep me stuck in negative financial patterns, and I'm ready to change them. My debt is a hangover from my childhood trust issues. It's my biggest barrier to intimacy and keeps me stuck in a <keyword id="18761161" type="General" weightage="20" keywordseo="peter-pan-like" source="Orion">Peter Pan-like</keyword> cycle of never being ready for the life I want. So, this spring, I made a big adult move: I hired my first financial planner, a couples-focused money counselor and licensed therapist named <a target="_blank" href="https://www.healthyloveandmoney.com/">Ed Coambs,</a> who writes and speaks about the connection between money and emotional intimacy. So why did a couples-focused financial planner agree to meet with me — a single, childless, 33-year-old with debt and trust issues? He said that working with me still counts as working with a couple because clearing my money shame will help me become more emotionally available to an equally stable partner. And, like all good therapy, my journey started with getting honest. <h2>What financial intimacy feels like — and why it's so scary</h2>Before we ever talked about his fees or services, <keyword id="18761159" type="General" weightage="80" keywordseo="coambs" source="Orion">Coambs</keyword> offered me two free one-hour <keyword id="10296" type="General" weightage="50" keywordseo="zoom" source="Orion">Zoom</keyword> sessions to discuss the process of working one-on-one with a financial planner. Unpracticed in sharing details about my finances with someone, I was nervous. He asked me about my financial goals and habits, along with a few questions meant to uncover my deeper financial beliefs. He inquired about the positive lessons I picked up from my family of origin, along with any limiting notions or knowledge gaps. During our conversation, I felt wary and doubtful, a reaction I'd also experienced before while dating. As someone working through abandonment and trust issues, I often scrutinize my dates, searching for reasons to reject them preemptively. But what if there was another approach — in both dating and other contexts? Rather than let my fears rule the show, I made a list of questions for Coambs and interviewed five other planners to compare my options. Unlike the child who felt abandoned, I realized I now had adult tools to advocate for myself. Coambs respected my questions, answered them thoughtfully, and emphasized that the choice ultimately lay with me. As I signed off Zoom that day, I realized I would only see progress with a financial planner if I showed up with courage and sincerity. <h2>Working with a fee-only financial planner</h2>I ended up hiring Coambs. He is a <a target="_blank" href="https://www.businessinsider.com/personal-finance/fee-only-financial-advisor">fee-only fiduciary,</a> meaning he doesn't profit from any investments he recommends, but instead charges a straightforward flat rate for our work together. (A tip for anyone <a target="_blank" href="https://www.businessinsider.com/personal-finance/why-hire-fee-only-financial-advisor-2019-6">hiring their first financial planner</a>: A fee-only structure is meant to avoid conflicts of interest.) When I hired him in July 2023, Coambs' rate was on a sliding scale based on a client's income and financial standing. It started at $5,000 a year plus 1% of the client's overall net worth. My payment, Coambs informed me, could be broken into monthly, quarterly, or annual installments. I chose the quarterly option. <h2>Thinking ahead and designing your life</h2>Though $5,000 may seem like a steep fee for someone new to financial planning, it is significantly less than the price I've already paid for trying to manage my money alone for the past two years as a sole proprietor without support. In my first two years of self-employment, I've missed out on opportunities for tax savings while paying interest on debt that I've tried repeatedly to pay off. As Coambs reminded me, now that I am capable of making $250,000 a year (or more!), I could make $1 million in revenue over the next four years. The opportunity cost of not properly planning what to do with a million dollars is steep. In four years, I don't want to still be living in my small studio apartment, paying off debt, and feeling confused about how much I owe in taxes; I want to have a healthy savings account, a growing retirement fund, and a home where I feel excited to start a family. <h2>How to forgive yourself for past — or current — financial mistakes</h2>Despite my new enthusiasm, there was one step I was dreading: After our preliminary meetings, I would have to link my accounts to Coambs' financial-planning software. I was embarrassed. He would soon see all my account balances, including my debt. I'm still paying off <a target="_blank" href="https://www.businessinsider.com/personal-finance/graduate-school-worth-student-loans-its-complicated-2019-7">five figures in student loans</a> I took out between 2015 to 2017. I also racked up some credit-card and personal-loan debt when I quit my job to freelance full time in 2021. Though I surpassed my revenue expectations in my first two years of self-employment, I also spent money on what felt like failed experiments: signing up for an expensive mastermind program that didn't actually help me, impulse purchasing logos on Fiverr, paying a website designer and copywriter for an idea before testing the proof-of-concept, hiring an assistant for two months without a plan for making back my return on investment — you get the idea. A lot of trial and error is involved with running your own business. Sensing my embarrassment, Coambs asked me to describe my feelings. I said I felt ashamed that I — a financial journalist — could have spent years reporting on money-related topics without applying that knowledge to my personal situation and becoming debt-free. He reminded me how normal it is for human beings to learn concepts intellectually before actually practicing them in their life and acknowledged my integrity for seeking support to improve my situation. He also introduced the human-capital theory to me, which is an economic theory that validates the choice to use debt to pay for experiences that help us grow. Given that much of my debt comes from education and funding my business, this shifted my perspective and helped me release some of my shame. <h2>Covering my financial-planning basics</h2>Once Coambs and I began to clear my lingering money shame, we focused on financial-planning basics. Though we're still early in our work together, we've outlined a plan with a few key focus areas: <h3>Understanding my 'financial attachment' style</h3>I have an <a target="_blank" href="https://www.insider.com/guides/health/mental-health/anxious-attachment-style">anxious attachment style</a> in personal relationships, and I'll admit my money-management style is also fraught with anxiety. According to Coambs, those with an anxious attachment style may have trouble saving money or even accrue debt because of impulsive decisions made from an underlying fear that money will "abandon" us or run out. In a traditional financial-planning session, I'd probably internalize all of my anxiety and focus only on the numbers. But in sessions with a licensed therapist and certified financial planner like Coambs, clients are encouraged to talk through their feelings. It's easier to make intentional decisions once we neutralize the doom-and-gloom scenarios living rent-free in our minds. <h3>Tax planning as a self-employed freelancer</h3>As a self-employed freelancer, one of my first priorities is going to be setting up my business in tax-incentivized ways, saving for taxes every month, and paying them in quarterly installments. <h3>Saving for retirement</h3>With the days of an employer matching my 401(k) behind me, retirement planning is also going to be one of my top financial-planning priorities in 2024. After talking with a fellow self-employed creator, I realized I was paying almost double in taxes as an individual than what I would have if I'd <a target="_blank" href="https://www.businessinsider.com/how-to-know-elect-s-corporation-status-freelancer-taxes-2022-1">filed for S-corporation status</a>, which is something I'm bringing to my work with Coambs to plan better for 2024. <h3>Diversifying revenue streams</h3>Though I don't know exactly what my future holds, I know I'd like the ability to scale back my working hours in the next few years when I'm ready to become a parent. I will need to set up some income streams that are less tied to my productivity, whether they be real estate, digital products, or investment vehicles. Coambs and I have not begun to discuss the specifics, but this is definitely on my to-do list. <h2>Becoming more financially transparent — and more emotionally available</h2>Working with a therapy-informed financial planner is good practice for letting another human being into my emotional and financial worlds. Having a financial plan is also a huge confidence boost when dating. I feel less embarrassed about my past, more sure-footed about my future, and certain of the value (financial and otherwise) I will bring to a potential partnership. And as someone <a target="_blank" href="https://www.insider.com/spouse-partner-helping-teach-me-about-budgeting-2023-9">still paying off debt</a>, I know I won't need my partner to save me. Rather, I'm looking for someone to cheer me on and be my emotional confidant as I walk the path I've created independently — and maybe, with time, that path will merge with theirs.

I make $250K a year but still have financial anxiety and debt. A financial therapist is helping me let go of my shame — and set myself up for the future.

The last date to link PAN CARD with Aadhaar is 31st December 2019. However, to the masses, it is still unclear as to what the consquences of non-compliance would be. The central board of direct taxes (CBDT) in its notification dated 28th September 2019 extended the deadline for the 7th time to the end of the year. It is mandatory to link your <keyword id="8156425" type="UNKNOWN" weightage="20" keywordseo="Aadhaar-Card-with-PAN">Aadhaar card with PAN</keyword> if you have to process the Income Tax Return. Any bank transaction above Rs. 50,000 will need you to link your Aadhaar and PAN. Linking Aadhaar card with PAN card is a simple process similar to linking PAN card with Aadhaar card. Why must you link your Aadhaar card with PAN? The Income Tax department had earlier announced that all the PAN cards that have not been linked to Aadhaar card will be deactivated after 30 September 2019. Linking Aadhaar with Pan has been mandated for all having a PAN card. If multiple PAN cards are issued in the same name, this problem can be tackled by linking Aadhaar with PAN. If your Aadhaar is not linked with PAN, your IT returns will never be processed by the Income Tax Department. When you link your Aadhaar card with PAN, you will get a summary of all the taxes levied on you for your future reference. Steps to link your Aadhaar card and PAN card online through e-filing website Step:1 Visit the Income Tax e-filing website <a href="https://www.incometaxindiaefiling.gov.in/home">https://www.incometaxindiaefiling.gov.in/home</a> Step 2: Input your PAN and Aadhaar number sin the respective columns you will see in the form displayed. Step 3: Enter your full name as it is found on your Aadhaar card Step 4: If your Aadhaar card mentions only your birth year, then tick the square Step 5: Input the captcha code you will find on the image for verifying. Step 6: Click on ‘Link Aadhaar’ option You will see a pop up message that will tell you that your Aadhaar card has been successfully linked to your PAN. Steps to link Aadhaar with Pan by sending SMS For linking your Aadhaar with PAN, follow the simple steps given here. Take your mobile phone that has the SIM with the registered mobile number Type in the message UIDPAN&lt;12 Digit Aadhaar&gt; &lt;10 Digit PAN&gt; Send this message to 567678 or 56161 This process will see to that your Aadhaar is linked with PAN. Read this if you cannot link your Aadhaar card with PAN To link your Aadhaar and PAN, it is necessary that the name on your Aadhaar card and PAN card must match with each other. If there is a mismatch of the spelling, you will not be able to link your Aadhaar with PAN. In case of spelling mismatch, you will have to PAN cards have to be mandatorily linked with Aadhaar before the deadline ends otherwise they will be deactivated by the Income Tax Department. The name of the applicant should be the same on both PAN card and the Aadhaar card. In case there is some spelling mismatch, your will be unable to link Aadhaar with PAN. You will have to get your name corrected and after correction, you can easily link your PAN with Aadhaar. Here are the steps to make corrections in your PAN card. Visit the official e-filing website of NSDL at <a href="https://goo.gl/zvt8eV">https://goo.gl/zvt8eV</a> From the drop down menu, choose the option ‘Changes or Correction in existing PAN data/Reprint of PAN Card (No changes in Existing PAN Data)’ Select the category of individual and then enter your details, make the payment and submit the form online. You will get your updated Aadhaar delivered at your address. When you receive your PAN, you can link your Aadhaar with your PAN.

Explained: How to link PAN CARD with Aadhaar

(Eds: Adds details) New Delhi, Dec 30 () The last date for the mandatory linking of the <keyword id="134255" type="COMPANY" weightage="20" keywordseo="permanent-account-number">Permanent Account Number</keyword> (PAN) with Aadhaar has been extended till March next year, the CBDT said on Monday. The earlier deadline was Tuesday, December 31. "The due date for linking of PAN with Aadhaar as specified under sub-section 2 of section 139AA of the Income-tax Act, 1961 has been extended from December 31, 2019 to March 31, 2020," the department said on its official Twitter handle. This is the eighth time that the Central Board of Direct Taxes (CBDT) has extended the deadline for individuals to link their PAN with Aadhaar. The Supreme Court, in September last year, had declared the Centre's flagship Aadhaar scheme as constitutionally valid and held that the biometric ID would remain mandatory for the filing of I-T returns and allotment of the PAN. Section 139 AA (2) of the Income Tax Act says that every person having PAN as on July 1, 2017, and is eligible to obtain Aadhaar, must intimate his Aadhaar number to tax authorities. Aadhaar is issued by the Unique Identification Authority of India (UIDAI) to a resident of India and PAN is a 10-digit alphanumeric number allotted by the I-T department to a person, firm or entity. The CBDT, that frames policy for the tax department, said a notification numbered 107 has been issued in this context. NES CK

PAN-Aadhaar linking deadline extended for the 8th time, now till March, 2020

The Government of India has made it mandatory to link your <keyword id="61610" type="ORGANIZATION" weightage="20" keywordseo="pan" source="Orion">PAN</keyword> card with <keyword id="144117" type="ORGANIZATION" weightage="20" keywordseo="AADHAAR" source="Orion">Aadhaar</keyword>. The Central Board of Direct Taxes (CBDT) in its notification on September 28 extended the deadline from September 30 to December 31 for linking of PAN with Aadhaar. As per the CBDT, people who fail to link their PAN with Aadhaar before the end of the deadline will not be able to file their income tax and their PAN will no longer be operative. With just a few hours to go, it’s a good idea to check your PAN and Aadhaar linking status to make sure that you do not face any issues later. <cmsannotation type="cmsannotation" annotationid="How to check PAN-Aadhaar linking status through e-filing website" comment="subhead" text="How to check PAN-Aadhaar linking status through e-filing website">How to check PAN-Aadhaar linking status through e-filing website</cmsannotation> <ul><li>Go to the Income Tax Department’s official <a href="https://www.incometaxindiaefiling.gov.in/home">website</a> using your browser.</li><li>Look at the quick links section on the left sidebar and click on the ‘Link Aadhaar’ option.</li><li>At the top, you will find a blinking ‘Click here’ button to check your PAN-Aadhaar linking status. Click on the button.</li><li>You will then be redirected to a page where you have to enter your PAN and Aadhaar number.</li><li>Once you have entered the required details, click on ‘View link Aadhaar status’.</li><li>If you have linked your PAN with Aadhaar, you will get a message saying ‘Your PAN is linked to Aadhaar Number’ followed by the last four digits of your Aadhaar card.</li></ul>If you get a message saying that you haven’t linked your PAN with Aadhaar, you can follow our guide on <a href="https://www.businessinsider.in/politics/policy/how-to-link-aadhaar-card-with-pan/articleshow/71343299.cms">how to link your PAN with Aadhaar</a>. <cmsannotation type="cmsannotation" annotationid="How to check PAN-Aadhaar linking status via SMS" comment="subhead" text="How to check PAN-Aadhaar linking status via SMS">How to check PAN-Aadhaar linking status via SMS</cmsannotation> In addition to checking PAN-Aadhaar linking status via the e-filing website, you can also use SMS to check the status. <ul><li>In your messaging app, type UIDPAN (space) &lt;12 Digit Aadhaar&gt; (space) &lt;10 Digit PAN&gt;.</li><li>Send this message to 56161 or 567678.</li></ul>If you have already linked your PAN and Aadhaar, you will get a message informing you about this. If you haven’t linked them yet, you will get a message saying that your PAN and Aadhaar have been linked. See also: <a href="https://www.businessinsider.in/politics/policy/how-to-link-aadhaar-card-with-pan/articleshow/71343299.cms">Explained: How to link PAN CARD with Aadhaar</a> <a href="https://www.businessinsider.in/policy/society/news/aadhaar-not-needed-for-facecbook-twitter-and-instagram-account-verification/articleshow/72466045.cms">No data localisation -- no linking Aadhaar for social media account verification</a>

How to check PAN-Aadhaar linking status

Mandating the linking of PAN with Aadhaar, the government has so far extended the deadline seven times. The latest deadline was September 30, which has been further extended now to December 31, 2019. Hence, all PAN card holders must now link their PAN with Aadhaar. PAN is issued by the Income Tax Department of India to persons, firms or entities and it is a 10 digit alphanumeric number. Aadhaar is issued by the Unique Identification Authority of India to all residents of the country. During September 2018, the Supreme Court declared that the Aadhaar scheme is valid constitutionally and upheld the ruling that this biometric ID will continue to be considered mandatory for filing income tax returns as well as allotment of new PAN. Benefits of Linking PAN card to Aadhar card Apart from fulfilling the government mandate, there are several benefits to linking PAN with Aadhaar. Preventing any PAN card frauds Linking PAN with Aaadhaar can help the government filter and weed out those PAN cards that are fake and used by individuals to conceal their taxable income or evade the paying of income taxes. Finding out tax evaders PAN card is an essential document to pay taxes. PAN is also a must KYC document for bank accounts. Linking Aadhaar with PAN will automatically link the person’s Aadhaar with their bank accounts. Hence the government will be in an advantageous position to track the transactions of all persons and ascertain if the taxes they pay is right or not. Curbing the circulation of black money Fake identities help conceal the illegal activities like drug trafficking. When the PAN is linked with Aadhaar, it will rule out the possibility of such illegal activities. Easy to file tax returns for taxpayers The present laws by the government mandate the linking of PAN with Aadhaar. Once it is linked, the taxpayers can file their income tax returns online in a hassle-free way rather quickly. Taxpayers are also saved from the additional job of sending acknowledgement to the IT department. ITR-V can also be verified through an OTP you receive on your mobile number registered with Aadhaar. How to link Aadhaar to PAN online? Linking Pan with Aadhaar is a very easy process. Before doing this, ensure that the details your personal details you find on PAN and Aadhaar are the same. In case the name, spelling and other details found on these cards do not match, you need to rectify them. Use the link <a href="https://www.onlineservices.nsdl.com/paam/endUserRegisterContact.html">https://www.onlineservices.nsdl.com/paam/endUserRegisterContact.html</a> for correcting the details on your PAN card. If the date of birth in both the documents match with each other perfectly, you can also choose to link PAN and Aadhaar without correcting your name either document. To do this, generate an OTP and upload a scanned copy of your PAN card on the official website of the Income Tax Department. Steps to link PAN card with Aadhaar Card 1. Visit the site <a href="http://www.incometaxindiaefiling.gov.in/home">http://www.incometaxindiaefiling.gov.in/home</a> 2. Click on the link ‘Link Aadhaar’. 3. Fill out the application you will see on the page. 4. Once you enter the details asked, enter the captcha code. 5. Finally click on the ‘Link Aadhaar’ link.

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Govt warns about fake SMS asking users to update their PAN – what it is and how to stay safe

Sourabh Jain

I make $250K a year but still have financial anxiety and debt. A financial therapist is helping me let go of my shame — and set myself up for the future.

Megan DeMatteo

Explained: How to link PAN CARD with Aadhaar

BI India Bureau

PAN-Aadhaar linking deadline extended for the 8th time, now till March, 2020

PTI

How to check PAN-Aadhaar linking status

Rounak Jain

Last date to link PAN card with Aadhaar extended for the 7th time, now to 31 December — Know the complete process

BI India Bureau

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