With India’s growing focus on digital services, getting a new PAN (Permanent Account Number) card is now faster and easier than ever. The entire process can be completed online—no need to visit government offices. This guide covers the steps, eligibility, documents, fees, and tips for a smooth application.
What is a PAN Card and Why is it Important?
A PAN card is a 10-digit alphanumeric ID issued by the Income Tax Department. It serves as a key financial identity in India and is required for:
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Filing income tax returns
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Opening bank accounts
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High-value financial transactions
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Receiving taxable income (salary, rent, consultancy, etc.)
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Applying for loans, credit cards, or investments
Since it is valid for a lifetime, a PAN card is essential for both Indian citizens and foreign nationals with financial dealings in India.
Quick Process Overview
| Step | Action | Details |
|---|---|---|
| 1 | Visit Portal | Apply on NSDL or UTIITSL |
| 2 | Select Form | 49A (Indians) or 49AA (Foreigners) |
| 3 | Enter Details | Personal, Aadhaar, and contact info |
| 4 | Upload Documents | Identity, address, DOB proof (if Aadhaar not used) |
| 5 | Make Payment | ₹93 (residents), ₹864 (foreigners) |
| 6 | Verification | Aadhaar OTP e-Sign or physical signature |
| 7 | Acknowledgment | Receive 15-digit tracking number |
| 8 | PAN Delivery | e-PAN by email, physical card by post |
Eligibility
You can apply for a PAN card if you are:
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An Indian resident (including minors)
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A Non-Resident Indian (NRI)
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A foreign citizen/entity doing business in India
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A company, firm, partnership, or trust
Step-by-Step Application Process
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Choose Portal
Apply through NSDL (Protean eGov Technologies) or UTIITSL, both government-authorized. -
Select Correct Form
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Form 49A – Indian citizens
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Form 49AA – Foreign nationals/entities
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Fill Details
Enter name, date of birth, Aadhaar (if available), contact details, and address. -
Upload Documents (if not using Aadhaar e-KYC)
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Identity Proof (POI): Aadhaar, Voter ID, Passport, Driving Licence
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Address Proof (POA): Aadhaar, Passport, Utility Bill, Bank Statement
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Date of Birth Proof (DOB): Birth Certificate, Passport, 10th Mark Sheet
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Pay Fees
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Residents: ₹93 + GST
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Foreigners: ₹864 + GST
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Payment methods: UPI, debit/credit card, net banking, or demand draft
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Verify Application
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If Aadhaar is linked to mobile → OTP-based e-Sign
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Otherwise → Upload signature or send physical documents
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Get Acknowledgment
A 15-digit acknowledgment number is issued for tracking. -
Receive PAN
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e-PAN: Sent to email within 48 hours
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Physical PAN: Delivered in 10–15 working days
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Benefits of Online PAN Application
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Apply anytime, anywhere
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e-PAN within 48 hours
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Aadhaar OTP for quick approval
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Paperless and hassle-free
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Track status online
Common Mistakes to Avoid
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Entering wrong Aadhaar or personal details
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Uploading unclear/mismatched documents
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Forgetting acknowledgment number
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Using inactive email or mobile
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Choosing the wrong form (49A vs 49AA)
Conclusion
Applying for a PAN card online in 2025 is simple, quick, and secure. With Aadhaar-based e-KYC, you can receive an e-PAN in under 2 days, while the physical card arrives in about 10–15 working days. To avoid delays, double-check your details, ensure documents are valid, and complete payment correctly.
A PAN card is not just a tax ID—it is a must-have for banking, investments, and compliance in India.
FAQs
Q1. How long does it take to get a PAN card online?
Usually 2–10 working days, depending on verification and postal delivery.
Q2. Can I apply without Aadhaar?
Yes, but you must upload identity, address, and DOB proofs.
Q3. Is e-PAN valid everywhere?
Yes, it is legally accepted for all financial and compliance purposes.