PAN Card Online Apply 2026 – Complete Step-by-Step Guide (Full Detailed Post)

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PAN Card Online Apply 2026 – Complete Step-by-Step Guide (Full Detailed Post)

If you are earning income, filing ITR, starting a YouTube channel like BruhatExpress, opening a bank account, investing in mutual funds, or applying for government schemes in Karnataka – PAN Card is compulsory.

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In this detailed guide, you will learn:

  • What is PAN Card?
  • Who needs PAN?
  • Documents required
  • How to apply PAN card online (Step-by-Step)
  • PAN correction process
  • e-PAN download process
  • Charges & processing time
  • FAQs

What is PAN Card?

PAN (Permanent Account Number) is a 10-digit alphanumeric number issued by the Income Tax Department of India.

Example: ABCDE1234F

It is used to track your financial transactions and is mandatory for:

  • Income Tax Return (ITR) filing
  • Bank account opening
  • Loan applications
  • Property purchase above limit
  • Mutual fund investments
  • Government subsidy schemes

Official Websites to Apply PAN Card

You can apply through these government authorized portals:

  • Income Tax Department of India
  • Protean eGov Technologies Limited
  • UTI Infrastructure Technology and Services Limited

Both NSDL (Protean) and UTI portals are officially authorized.

Step-by-Step Process: How to Apply PAN Card Online

Step 1: Visit Official Portal

Go to Protean (NSDL) or UTI website.

Select:
New PAN – Form 49A (Indian Citizen)

Step 2: Choose Application Type

You will see 3 options:

  1. New PAN (Indian Citizen)
  2. Changes/Correction in PAN
  3. Reprint PAN Card

Select “New PAN”.

Step 3: Fill Basic Details

Enter:

  • Full Name (As per Aadhaar)
  • Date of Birth
  • Mobile Number
  • Email ID
  • Aadhaar Number

Make sure details exactly match Aadhaar to avoid rejection.

Step 4: Choose Submission Mode

You get 3 options:

  • Aadhaar e-KYC (Instant verification – fastest)
  • Scan & Upload Documents
  • Send Physical Documents

Best Option: Aadhaar e-KYC (Fast approval within 2–5 days)

Step 5: Fill Personal Details

You need to fill:

  • Father’s Name
  • Address (As per Aadhaar)
  • Source of Income
  • Area Code / AO Code (auto suggested)

Step 6: Upload Documents (If Required)

If not using Aadhaar e-KYC, upload:

Identity Proof:

  • Aadhaar
  • Voter ID
  • Passport

Address Proof:

  • Aadhaar
  • Driving License
  • Electricity Bill

DOB Proof:

  • Birth Certificate
  • SSLC Marks Card
  • Passport

Step 7: Pay PAN Application Fees

PAN Application Charges (2026):

  • ₹107 (Physical PAN – Indian Address)
  • ₹66 (e-PAN only)
  • ₹1017 (Foreign Address)

Payment options:

  • UPI
  • Debit Card
  • Net Banking
  • Credit Card

Step 8: e-Sign & Submit

Verify using:

  • Aadhaar OTP

After submission, you receive:

  • Acknowledgment Number
  • SMS confirmation

Save acknowledgment for tracking.

Processing Time

  • e-PAN: 2 to 5 working days
  • Physical PAN: 7 to 15 working days

You will receive:

  • e-PAN via email
  • Physical card via post

How to Download e-PAN Card

  1. Visit official portal
  2. Click “Download e-PAN”
  3. Enter PAN number
  4. Enter DOB
  5. Verify OTP
  6. Download PDF

Password for PDF: Your Date of Birth (DDMMYYYY)

How to Check PAN Status

Go to:

Protean or UTI website
Click “Track PAN Application”
Enter Acknowledgment Number

You can see:

  • Under process
  • Approved
  • Dispatched

How to Correct PAN Card Details

If your name spelling is wrong or address changed:

  1. Select “PAN Correction”
  2. Enter PAN number
  3. Update correct details
  4. Upload proof
  5. Pay ₹107
  6. Submit

Correction takes 5–10 days.

Who Must Apply for PAN?

Mandatory for:

  • Salary above taxable limit
  • Business owners
  • Freelancers
  • YouTubers
  • Property buyers
  • Loan applicants
  • GST registration

Even students can apply (no age limit).

Benefits of Having PAN Card

  1. Required for ITR filing
  2. Easy bank transactions
  3. Loan approval faster
  4. High-value transactions allowed
  5. Government scheme eligibility
  6. Avoid TDS higher deduction

PAN Card for Students

Documents required:

  • Aadhaar
  • School ID (optional)
  • DOB proof

Students from Karnataka applying for scholarships should have PAN linked to bank.

Common Mistakes to Avoid

  • Name mismatch with Aadhaar
  • Wrong DOB
  • Wrong mobile number
  • Uploading unclear documents
  • Not signing properly

Always double check before submission.

PAN – Aadhaar Linking (Important)

PAN must be linked with Aadhaar.

Otherwise:

  • PAN becomes inoperative
  • ITR filing blocked
  • TDS at higher rate

You can link through Income Tax portal.

Frequently Asked Questions (FAQ)

1. Can I apply PAN without Aadhaar?

Yes, but Aadhaar makes process faster.

2. Is PAN mandatory for bank account?

Yes, if deposit exceeds ₹50,000.

3. Can I hold two PAN cards?

No. It is illegal and punishable.

4. What if I lost my PAN?

Apply for reprint.

5. Can minors apply?

Yes, through guardian.

PAN Card Online Apply – Complete Detailed Guide (2026)

If you are planning to file Income Tax Return (ITR), start a business, open a current account, invest in mutual funds, or even monetize YouTube (like BruhatExpress), PAN Card is compulsory.

This guide gives you complete, advanced, step-by-step information — including eligibility, documents, processing time, correction process, reprint, linking, and important legal rules.

Authorized portals to apply:

  • Protean eGov Technologies Limited
  • UTI Infrastructure Technology and Services Limited
    Issued by: Income Tax Department of India

What is PAN Card?

PAN (Permanent Account Number) is a 10-digit alphanumeric number issued for tax identification.

Example Format: ABCDE1234F

Breakdown:

  • First 5 letters – Alphabet
  • Next 4 digits – Numbers
  • Last letter – Alphabet

It remains same for lifetime.

You can only have ONE PAN legally.

Who Must Apply for PAN?

PAN is mandatory if:

  • Your income is taxable
  • You are starting a business
  • You want GST registration
  • You deposit ₹50,000+ in bank at once
  • You buy property
  • You apply for loan
  • You invest in shares or mutual funds
  • You receive professional payments
  • You are a YouTuber earning AdSense income

Even students can apply (no minimum age).

Documents Required for PAN

Identity Proof (Any One)

  • Aadhaar Card
  • Voter ID
  • Passport
  • Driving License

Address Proof (Any One)

  • Aadhaar
  • Electricity Bill
  • Passport
  • Bank Statement

Date of Birth Proof

  • Birth Certificate
  • SSLC / 10th Marks Card
  • Passport

👉 If applying through Aadhaar e-KYC → No need to upload documents manually.

Step-by-Step PAN Online Apply Process (Detailed)

STEP 1: Visit Official Website

Open Protean (NSDL) or UTI portal.

Click:
New PAN – Form 49A (For Indian Citizens)

STEP 2: Basic Registration

Fill:

  • Applicant Type → Individual
  • Full Name (Exactly as per Aadhaar)
  • Date of Birth
  • Email ID
  • Mobile Number

Submit → You receive Token Number.

Save it.

STEP 3: Choose Submission Mode

You get 3 options:

  1. Aadhaar e-KYC (Fastest)
  2. e-Sign with upload
  3. Physical submission

Recommended: Aadhaar e-KYC

STEP 4: Fill Complete Personal Details

You must enter:

  • Father’s Name (mandatory)
  • Mother’s Name (optional)
  • Gender
  • Aadhaar Number
  • Residential Address
  • Source of Income
  • Area Code / AO Code

Most AO codes auto-detected.

STEP 5: Contact & Address Details

Verify:

  • Phone number
  • Email
  • PIN code
  • State & District

Make sure address is correct because physical PAN will come here.

STEP 6: Document Upload (If Not Using e-KYC)

Upload scanned copies:

  • ID proof
  • Address proof
  • DOB proof
  • Photo (passport size)
  • Signature

File size usually below 300 KB.

STEP 7: Payment

Fees (Indian address):

  • ₹107 – Physical PAN
  • ₹66 – e-PAN only

Foreign address:

  • ₹1017

Payment options:

  • UPI
  • Net Banking
  • Debit Card
  • Credit Card

After payment, proceed.

STEP 8: Aadhaar OTP Verification

If using e-KYC:

  • OTP sent to Aadhaar-linked mobile
  • Enter OTP
  • Submit

Application completed.

You receive:

  • Acknowledgment Number
  • SMS confirmation
  • Email confirmation

PAN Processing Time

  • e-PAN: 2–5 working days
  • Physical PAN: 7–15 days

e-PAN is sent to your email as PDF.

How to Download e-PAN

Steps:

  1. Visit official portal
  2. Click “Download e-PAN”
  3. Enter PAN number or acknowledgment number
  4. Enter DOB
  5. OTP verification
  6. Download PDF

PDF Password:
Your DOB (DDMMYYYY)

Example:
DOB: 15 August 2000
Password: 15082000

How to Track PAN Application Status

Steps:

  1. Visit official portal
  2. Click “Track PAN”
  3. Enter Acknowledgment Number
  4. Submit

Status will show:

  • Under Process
  • Approved
  • Dispatched

How to Correct PAN Details Online

If mistake in:

  • Name spelling
  • DOB
  • Address
  • Signature

Process:

  1. Choose “Changes/Correction in PAN”
  2. Enter PAN number
  3. Update correct details
  4. Upload supporting documents
  5. Pay ₹107
  6. Submit

Processing: 5–10 working days

PAN Reprint (Lost PAN Card)

If card lost:

  1. Select “Reprint PAN”
  2. Enter PAN number
  3. Verify OTP
  4. Pay ₹50–₹107
  5. Submit

New card delivered to address.

PAN–Aadhaar Linking (Very Important)

PAN must be linked with Aadhaar.

If not linked:

  • PAN becomes inoperative
  • Cannot file ITR
  • Higher TDS deduction
  • Bank transactions restricted

Linking available on Income Tax portal.

Can You Have Two PAN Cards?

NO.

Holding two PAN cards is illegal.

Penalty: ₹10,000 under Income Tax Act.

If you have duplicate PAN:

  • Surrender extra PAN immediately.

 PAN for Business Owners

For business:

  • Apply as Individual (if sole proprietor)
  • Use PAN for GST registration
  • Use PAN for current account
  • Mandatory for invoices above limit

PAN for Students

Students can apply with:

  • Aadhaar
  • DOB proof

Useful for:

  • Scholarships
  • Investment
  • Freelancing income
  • Bank FD above limit

Common Mistakes to Avoid

❌ Name mismatch with Aadhaar
❌ Wrong DOB
❌ Applying twice
❌ Using different spellings
❌ Wrong mobile number
❌ Blurred document upload

Always cross-check before payment.

 Important Legal Points

  • Only one PAN allowed
  • PAN required for tax compliance
  • Fake PAN is punishable offense
  • PAN must be quoted in financial transactions

Final Summary

To apply PAN online:

  1. Visit Protean or UTI portal
  2. Select Form 49A
  3. Fill details carefully
  4. Choose Aadhaar e-KYC
  5. Pay ₹107
  6. Verify OTP
  7. Receive acknowledgment
  8. Download e-PAN in 3–5 days

PAN card is essential for financial growth, tax filing, bank transactions, and business registration in India.

 

Prompt

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Applying for PAN Card online in 2026 is very easy and fully digital. If you use Aadhaar e-KYC, you can get e-PAN within 3–5 days.

For content creators, freelancers, salaried employees, and business owners in Karnataka – PAN is essential for tax compliance and financial growth.

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