New Delhi, April 16 -- I had once approached a State Bank of India (SBI) branch to open a Public Provident Fund (PPF) account, but didn't open it. However, I gave them my Permanent Account Number (PAN) to them. Later, when I approached another bank to open my PPF account, they said I already have a PPF account in SBI using my PAN as reference. When I contacted the SBI branch, they told me to contact their main office, and so on. There is no transaction or balance in the account nor do I have any other dealing with the said SBI branch. What should I do?

-S. S. Sharma

A PPF account cannot be opened by submitting only your PAN. You need to fill an account opening form and have to submit your residence proof and photograph/s to activate the...