All You Need to Know About PAN Card for NRI Students Studying Abroad

If you’re an NRI (Non-Resident Indian) student studying abroad and wondering whether you need a PAN card — or how to apply for one — this guide will walk you through the complete process. A PAN card (Permanent Account Number) is not just for filing taxes in India; it’s also essential for opening a bank account, investing in Indian financial instruments, and conducting high-value financial transactions. Here’s everything you need to know.

Can NRI Students Apply for a PAN Card?

Yes, NRI students studying abroad are eligible to apply for a PAN card. Whether you’re pursuing your degree in the U.S., UK, Canada, Australia, or any other country, you can apply for a PAN card online from anywhere in the world.

How to Apply for a PAN Card Online as an NRI

NRI students can apply for a PAN card through two official portals:

• NSDL eGov website
• UTIITSL website

Step-by-Step Application Process:

1. Visit the official PAN portal
   Choose either UTIITSL or NSDL eGov.
2. Select application type
   Choose “Apply for New PAN Card” > Select “NRI/Foreign Citizen” as applicable.
3. Fill out the application form
   • Use Form 49AA (for foreign citizens)
   • Use Form 49A (for NRIs who hold Indian citizenship)
4. Upload the required documents
   Ensure all documents are self-attested and scanned clearly.
5. Pay the processing fee online
   The fee varies slightly depending on the portal and delivery method (e.g., overseas vs India-based dispatch).
6. Submit the application
   After submission, you’ll receive an acknowledgement number to track your application.
7. Track your PAN status online
   Use the acknowledgement number on the portal to check the application status.

Documents Required for PAN Card Application (NRI Students)

To successfully apply for a PAN card, you’ll need to provide the following:

• Passport – as proof of identity
• Overseas address proof – such as a foreign bank statement or utility bill
• Proof of date of birth – if not included in your passport
• Valid visa or residence permit – depending on your current location

Note: Documents must be self-attested. Some portals may also require notarization or attestation by the Indian embassy/consulate.

How Long Does It Take?

The typical processing time for an NRI PAN card is 15–20 working days from the date of successful submission. You can choose either:

• Digital submission (scan and upload documents)
• Physical submission (send hard copies by post to the processing center)

Important Points to Remember

• The process remains the same for both online and offline students.
• PAN card is mandatory if you wish to:
  • Invest in Indian stocks or mutual funds
  • File income tax returns in India
  • Open a bank account or fixed deposit in India
• Choose the correct application form (49A or 49AA) based on your citizenship status.

Why NRI Students Might Need a PAN Card

Even if you’re studying abroad, a PAN card can be beneficial for:

• Maintaining Indian bank accounts
• Claiming TDS refunds on bank interest earned in India
• Buying or selling property in India
• Continuing investments made by family in your name

Final Thoughts

Getting a PAN card as an NRI student is simple and beneficial. It not only helps manage your finances in India but also keeps your documentation aligned for future investments, job applications, or tax-related requirements. With online application options and easy documentation, you can apply for your PAN card in just a few clicks—even while studying abroad.