LUHN Formula for Validation of Account Number

The steps listed below are required for validation of the PAN (Primary Account Number).

Step 1: Double the value of the alternate digits of the PAN beginning with the second digit from the right (the 1st right-hand digit is the check digit).

Step 2: Add the individual digits resulting from Step One above to each of the unaffected (unused) digits of the original PAN.


If the result from Step One is a two digit number, add each digit together to obtain a one digit result for Step Two.

Step 3: The total obtained in Step Two must be a number ending in Zero (10, 20 etc.) for the PAN to be validated.

For Example, to validate the PAN 4062001210012105