WHAT IS THERE IN A NAME?

But all is in the name when it comes to important documents like PAN, Aadhar, driving license, voter ID, passport etc. It is important that the information in all the documents is consistent; any mismatch can create problems. Get it corrected immediately.

WORDS: SANGEETA SINHA

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back to check his voter ID and realised that he had not got it updated for long and it had his old address. Then he decided to verify his father’s name from his passport, but here also there was a mismatch; the name had his grandfather’s also added.
His driving license also did not have the complete name of his father.
The problem was not his father’s name; it was that his father’s name was written differently in all his documents.

Many did not realise that name mismatch could be a problem till linking PAN with Aadhar was made mandatory. There should be no disparity in PAN and Aadhar details; be it name, date of birth, or other personal details.
Many, particularly those from the southern states, are having problems linking their PAN with their Aadhaar card as they have two different names on both the cards. Some have initials of surname in their Aadhar and expanded version in their PAN with the result the Income Tax department’s software is not accepting the integration of the two cards.
Some states like Gujarat automatically add your husband’s/father’s name in your PAN and later if your Aadhar is without your husband’s/father’s name it will again lead to mismatch.
The IT department can give only one solution – apply for a correction in one of the two cards.
Vikas Khanna, 49, decided one fine day to streamline his finances.

He looked for a good broker and was told that it is a simple process provided all his papers are in place. Vikas had all his documents online along with his PAN, Aadhar and passport for any kind of verification.
Little did he realise though that a simple process of KYC, which could have taken few minutes will make him run around to get his documents in order.
The problem – the name of his father in PAN did not match with the one in the Aadhar card. The name of his father had a spelling mistake in his PAN card and it did not match with the spelling in other documents. So it needed a correction.
To correct that he needed to apply for a fresh PAN and for that Aadhar is mandatory now; a new notification has been released recently whereby Aadhaar has to be quoted mandatorily while applying for PAN.
His Aadhar had only year of birth and not date of birth. So he had to get his Aadhar updated. Vikas went

NAME MISMATCH
So there was a complete name mismatch. Name mismatch can lead to lot of trouble and it is important that you make sure that all your documents are consistent in terms of your name, father’s name, date of birth etc.

To illustrate with another example: Deepa’s father died in a hospital in New Delhi.

The death certificate had his name in short form, with initials only, while all his other documents like bank accounts, PAN card had his name in full.
Deepa had a tough time trying to prove to banks and others that the name in the death certificate and the one in the account belonged to the same person. Everywhere she had to produce an affidavit to prove that the name in the death certificate and the one in other bank documents were of the same person.

POINTS TO CHECK
» Check all your documents for information consistency
» Your name should be written in the same way with same spelling in all your documents
» Your passport, driving licence, Aadhar, PAN, voter Id, bank accounts, mutual funds, stocks, insurance, and any other document should have your name written in the same way
» Check for other details too like father’s name, mother’s name, date of birth, place of birth for any mismatch.
» If you find any mismatch get it corrected immediately
» Name mismatch or any other mismatch can create trouble for you later
» Even if you are not facing any problems due to any mismatch it is advisable to get it corrected and keep all records in order
» For any death in the family, make sure that the name is spelled correctly in the death certificate; you will need the death certificate for later transactions
» Corrections/changes in documents have been made simpler and can be done online
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ASK THE EXPERT

‘Make sure information in all your documents is consistent’
Rabindra Kumar, a financial adviser with more than 17 years of experience, spoke to us about why it is important to keep your documents in order. Excerpts:

Why it is important to keep consistency in your name in all your documents?
It is very important to have same name in all your documents, be it your voter Id, driving license, PAN card, Aadhar, passport or any other document. Sometimes the husband’s name is added as middle name in some documents while in others the father’s name is added.
Nothing wrong in it but make sure that the same name you use in all your documents including your bank accounts so that you don’t have any problems in any kind of financial transaction.aadharone

How do I change my surname after marriage?
Any change in surname after marriage can be done through a court affidavit. Even otherwise if you wish to change your name it can be done by providing two evidences: school leaving certificate is considered the most primary evidence, but you can use other documents also like voter ID or driving license. You can even correct your father’s name by providing two evidences.

How important is Aadhar?
It is very important to keep your Aadhar updated with all the correct information. People are finding difficulties in linking their PAN to Aadhar because of information mismatch.
Aadhar is the key point for any financial transaction. Policies change from time to time and now you need to link your Aadhar to your phone, gas connection, bank and PAN. If there is any mismatch in information your transaction can be rejected.
You can easily update your Aadhar online, so make use of the online service or go to any Aadhar centre and get all information updated including your mobile number. It is important to keep your mobile number updated as for any transaction through Aadhar you will have to provide OTP which will come on your phone.

What are the problems faced by people?
Since policies are changing it is creating a lot of problems. Like earlier when Aadhar was made, only the year of birth was given; it was only later that date of birth was added. So people who don’t have date of birth in their Aadhar need to get it added.
Though the government is trying to streamline things, till everything is in order there can be issues.
Also, in the latest KYC form it is mandatory to give the name of both father and mother, while for PAN mother’s name is optional but father’s name is mandatory.

Any advice for our readers?
Make sure information in all your documents is consistent. Though you may find it tedious, spare some time and go through all your documents and get the corrections done.
The time you spend now in getting all information corrected will help you in the future. It is important to do it now, to avoid hassles later on.