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    <title>By mistake I have been using different PANs for different purposes like one for my demat account and another for filing my Income-tax return and payment of taxes. How do I set this right?</title>
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    <description>Retain a single Permanent Account Number (PAN), preferably the PAN used for Income-tax filing, surrender any other PAN, and inform institutions where the duplicate PAN was quoted so records and tax filings align.</description>
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