Firstly, since there have been two PAN Cards issued and no action taken by you for such a long time, you are liable for penal actions under Income Tax Act, Section 139(A)(7) and 272B. A fine of Rs. 10,000 shall be imposed.
Ignorance of law is not a pleading to avoid any penal provisions of any law.
Secondly, if the money was withdrawn from the bank account (rural bank though) of your parents and deposited again in the bank account of your parents only, now you have to prove various questions to the satisfaction of AO with all the supporting documents. Some of the queries might be as below:
1. If money belonged to the same person, why cash movement was done and not bank to bank transfer was done. (You can reply by something like rural bank didn't have such facility. Although AO may not like that as this is not at all possible)
2. Prove the fact that the owner of the two bank accounts (rural and urban) are same person, since there were two different PAN Cards used. (You can provide proofs related to photographs used in bank accounts and signature, etc. to validate the identity of the account owner.)
3. Justify the fact that all the money earned was from legible sources and has been duly disclosed in the income tax returns of past years. (Since the amount involved is quite high, you have to see what all answers you can build up to verify these).
Since you have not complied with the law, you have to face the proceedings now and advisable is to provide best answers to the satisfaction of the AO.