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.

• 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

4	0	6	2	0	0	1	2	1	0	0	1	2	1	0	5
x2		x2		x2		x2		x2		x2		x2		x2
8	+0	+(1+2)	+2	+0	+0	+2	+2	+2	+0	+0	+1	+4	+1	+0	+5

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