PAN for NRI: Step-by-Step Guide

As a non-resident Indian (NRI), you might plan to invest, open an NRI bank account, or sell your property back in India. Any of these transactions will need your Permanent Account Number (PAN) card. It is a ten-digit alphanumeric code allotted by the Income Tax Department. 

But where do you get a PAN card for NRIs? This guide breaks down the process into simple steps for NRIs to apply for a PAN card.  

What is the eligibility for a PAN card for NRIs?
 

Here’s the checklist to confirm if you’re eligible to apply for an NRI PAN card –

1. You are an Indian citizen residing outside the country or a foreign citizen of Indian origin
2. You have a source of income in India or intend to engage in financial transactions that mandate a PAN card
3. Your presence in India is less than 182 days in a financial year (for NRIs)

Foreign citizens conducting financial activities in India can also apply for a PAN card under similar guidelines. 

Step-by-step instructions for PAN card registration
 

Follow these simple steps to get a PAN for NRI online –

1. Visit the official website

Start by visiting either the Protean (formerly NSDL e-Governance Infrastructure Limited) or the UTI Infrastructure Technology and Services Limited (UTIITSL) website. Please note that these two are the only platforms authorized by the Income Tax Department (ITD) to handle PAN card applications. No other entity is permitted to undertake this activity on behalf of the ITD. 

2. Select the appropriate form and fill it out

Select the ‘New PAN for Indian Citizens’ (Form 49A) option. You can also opt for the ePAN option if you meet the criteria, such as having a linked Aadhaar number. Then –

a. Enter personal details such as your name, date of birth, address, and contact number

b. Choose “Non-Resident Indian” in the status section 

3. Upload documents

Prepare, scan, and upload the following documents – 

1. Identity proof – Passport copy (mandatory for NRIs and foreign citizens).
2. Address proof – Overseas bank statement or residential permit.
3. Additional documents – OCI/PIO card or NRE account statement with recent transactions, attested by the prescribed authorities, as required.

4. Pay the application fee

The fee for NRI PAN cards varies. For physical PAN cards sent overseas, the cost is ₹994. For delivery within India, it’s ₹107. Payment can be made via credit/debit cards, net banking, or UPI.

5. Submit the application

Once you submit your application, you will receive the acknowledgement, which will include a 15-digit acknowledgement number. It will help you track the status of your application.

If you opted for e-KYC/e-sign, no physical documents are needed. On the other hand, if you have opted for the physical mode of submission for the documents, print, paste the photographs, and sign the documents. Then, within 15 days, send the signed documents to the processing centre. Don’t forget to mention 'APPLICATION FOR PAN – N-15-digit acknowledgement number' (e.g. 'APPLICATION FOR PAN -- N-881010200000097') on the envelope.

The address for mailing the documents is as follows – INCOME TAX PAN SERVICES UNIT (Managed by Protean eGov Technologies Limited), 4th Floor, Sapphire Chambers, Baner Road, Baner, Pune – 411045.

Tips for a smooth application process
 

For a smooth and hassle-free process of application for a PAN card for NRI, avoid the following common mistakes –

1. Select the correct form (Form 49A) to avoid unnecessary delays or rejections
2. Fill all fields correctly; missing details can delay your application
3. Double-check that your name, date of birth, and address match your documents
4. Submit current and valid proof of identity and address. To avoid rejection, make sure the scans are clear and readable
5. Ensure the payment process is completed successfully

Benefits of having PAN card for NRIs 
 

A PAN card is essential for NRIs engaging in financial transactions in India, such as –

1. Filing income tax returns for income earned in India
2. Investing in stocks, mutual funds, or other financial instruments
3. Opening an NRE or NRO bank account
4. Buying or selling property valued over ₹10 lakh
5. Complying with tax laws for earnings such as rent, interest, or capital gains

In short, if you earn or manage finances in India, having a PAN card for NRIs simplifies compliance and ensures seamless transactions.

Need help? Here’s your solution
 

If you have questions about PAN card applications for NRIs, seeking professional assistance can simplify the process. For expert advice, consult certified financial or tax professionals to guide you.

Disclaimer - This content is for informational purposes only. Customers are advised to consult financial or tax experts before making any financial or tax-related decisions.