Saving Mantra Blog: Step-by-Step Process for Permanent Account Number (PAN) for NRI in India
A Permanent Account Number (PAN) is essential for Non-Resident Indians (NRIs) if they earn income in India or need to conduct financial transactions. Whether you want to invest, buy property, file ITR, or avoid higher TDS, having an NRI PAN simplifies compliance and reduces tax burdens.
This Saving Mantra guide explains the complete step-by-step process, documents required, fees, common mistakes, and expert tips to ensure smooth approval.
⭐ What is an NRI PAN?
An NRI PAN is a 10-digit alphanumeric number issued by the Income Tax Department of India. NRIs must apply under the Foreign Citizen / NRI category using Form 49AA.
⭐ When Does an NRI Need PAN?
You need a PAN in India if:
- You earn rental income in India
- You invest in mutual funds, equity, NPS, or fixed deposits
- You purchase or sell immovable property
- You receive payments subject to TDS
- You want to avoid higher TDS @20% due to no PAN
- You want to file an Income Tax Return (ITR)
📌 Step-by-Step Process to Apply for PAN for NRI in India
Step 1: Determine the Correct Application Category
NRIs should choose:
✔ Form 49AA — For Foreign Citizens/NRI Category
You can apply through:
- NSDL (Protean) portal
- UTIITSL portal
Both are government-authorized.
Step 2: Keep Required Documents Ready
The documentation depends on the NRI’s residential status and nationality.
A) Required Identity Proof (Any One)
- Copy of Passport (mandatory for NRIs)
- OCI / PIO Card (if applicable)
B) Proof of Address (Any One)
- Passport (with overseas address)
- Overseas bank statement
- NRE/NRO account statement
- Residence permit from foreign country
- Utility bills (not older than 3 months)
C) Photographs
- Two recent passport-size photos (white background preferred)
D) Additional for Foreign Citizens
If not holding Indian citizenship, you also need:
- Applicant’s signature on the form
- Apostilled / Consular attested documents (if required by country)
Step 3: Start the Online PAN Application
- Visit the NSDL/Protean or UTIITSL website
- Select “PAN for Foreign Citizens” → Form 49AA
- Fill in the details accurately:
- Full name
- Email ID
- Foreign address
- Indian communication address (if applicable)
- Date of birth
- Father’s name
- Passport number
(Ensure spelling matches exactly as per passport.)
Step 4: Upload Documents
Upload scanned copies of:
- Passport
- Overseas address proof
- Photograph
- Signature specimen
Recommended format: JPG / JPEG / PDF
File size: As per portal guidelines
Step 5: Pay PAN Application Fees
Fee depends on the communication address:
✔ For Overseas Address:
₹1,039 approx. (varies slightly)
✔ For Indian Address:
₹72–₹110
Payment modes available:
- Credit card
- International card
- Debit card
- Net banking
- Demand Draft (overseas applicants only)
Step 6: Submit and Save the Acknowledgment
After successful submission:
- Download 15-digit acknowledgment number
- Print the acknowledgment form
- Paste photographs
- Sign in the designated box
Step 7: Courier Documents to NSDL/UTIITSL (If Required)
Some countries require physical documents to be couriered.
Courier to:
Protean eGov Technologies Limited (NSDL) or UTIITSL PAN processing center.
(Address mentioned on acknowledgment receipt.)
Send within 15 days of online application.
Step 8: Track PAN Application Status
You can track status on:
- NSDL/Protean PAN tracking page
- UTIITSL tracking page
Use your acknowledgment number.
Step 9: Receive Your PAN Card
Timeline:
- Digital e-PAN: within 4–7 working days
- Physical PAN card (international courier): 10–20 working days
E-PAN is valid for all Indian financial transactions.
⭐ Tips to Ensure Fast Approval
- Use passport as both ID and address proof for simplicity
- Ensure signature matches passport signature
- Upload clear scanned documents (no blur or shadows)
- Avoid giving both Indian & foreign address (choose one)
- Do not use Indian phone number if overseas
- Do not leave mandatory fields blank
⭐ Common Mistakes NRIs Should Avoid
❌ Uploading wrong-sized photos
❌ Mismatch between passport & PAN form details
❌ Incorrect country code in the phone number
❌ Using Indian address without valid Indian proof
❌ Submitting expired documents
📌 Why NRIs Should Not Delay Getting PAN
- Avoids high TDS on investments & property income
- Required for sale/purchase of real estate
- Required for repatriation of funds
- Makes compliance with NRI tax rules easier
- Enables seamless investment in Indian markets
Disclaimer
This blog is for informational purposes only and should not be considered professional tax or legal advice. Tax rules and documentation requirements may change. Please consult a qualified professional or official government website before making financial decisions.