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.

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note

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

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