2 min read
01 October 2025

Looking to download your e-PAN card instantly? The e-PAN is a digitally signed PAN card that serves the same purpose as a physical PAN card and can be used for filing ITR, opening bank or Demat accounts, or applying for loans and credit cards. You can download your e-PAN easily from the official Income Tax, NSDL, or UTIITSL portals using your PAN number, Aadhaar, or acknowledgement number. The e-PAN PDF is password-protected, and your date of birth (DDMMYYYY) is the key to access it. Get your e-PAN in just a few clicks—fast, secure, and free of cost.

What is a PAN card?

A PAN Card, or Permanent Account Number card, is a ten-character alphanumeric code provided by the Income Tax Department of India. It serves as an essential identity document for individuals and organisations involved in financial dealings. This unique number is linked to every tax-related activity of the holder, making it necessary for filing taxes, opening bank accounts, and conducting major financial transactions.

What is an e-PAN card?

An e-PAN Card is the electronic form of the standard PAN card issued by the Indian Income Tax Department. It is delivered digitally in PDF format and carries the same authenticity and usage rights as the physical card. It includes details such as PAN, name, birth date, and photograph, making it valid for verification, online transactions, and all official requirements where PAN is necessary.

Eligibility for instant e-PAN card

To qualify for the instant e-PAN facility, applicants must satisfy the following conditions:

  • Only individuals may apply; companies, firms, and associations cannot.
  • Applicants should not already hold a PAN card.
  • A valid Aadhaar card is mandatory.
  • The Aadhaar must be connected with the applicant’s mobile number.
  • Mobile number linked with Aadhaar must be active for OTP verification.

How to download e-PAN card online

Downloading your e-PAN card is a quick and hassle-free process. The Income Tax Department, through NSDL (now Protean) and UTIITSL, offers multiple ways to download an e-PAN instantly using Aadhaar, PAN details, or other identifiers. Follow the simple steps below to get your e-PAN card online:

How to download e-PAN via NSDL portal

  • Log on to the NSDL online portal and click ‘Download e-PAN card’
  • Enter your 15-digit acknowledgement number
  • Fill in the captcha code and click on ‘Submit’
  • Click on ‘Generate OTP’. An OTP will be sent on your registered mobile number/ email ID as per your selection
  • Enter the OTP in the field and click on ‘Validate’
  • Now, click on the ‘Download PDF’ option
  • The downloaded PDF is password-protected, with the password being your date of birth
  • Enter your date of birth to open the PDF

How to download e-PAN via UTIITSL portal

UTIITSL (UTI Infrastructure Technology and Services Limited) provides a convenient platform for downloading e-PAN cards, either for new applicants or for those updating details. To download an e-PAN via UTIITSL, follow these steps:

  •  Step 1: Visit UTIITSL’s official e-PAN download page.
  • Step 2: Enter details like PAN, date of birth/incorporation, GSTIN (if applicable), and the displayed security code. Press ‘Submit’.
  • Step 3: Confirm that your registered email and mobile number are correct, input the code, and tick the declaration box.
  • Step 4: Enter the OTP received on your registered phone or email and click submit.
  • Step 5: If your PAN was issued more than a month earlier, a fee of Rs. 8.26 must be paid online.
  • Step 6: Once verified, you can instantly download your e-PAN card in PDF format.

How to download e-PAN via IT Department portal

  • Go to the official IT website and search for ‘e-PAN card’
  • Click on the ‘e-PAN (beta version)’ link and then on ‘Check instant e-PAN status’
  • Enter your acknowledgement number, captcha code and click on ‘Submit’
  • Undergo the OTP generation process
  • Fill in the OTP to get access to a page where you can download your e-PAN card from

How to download e-PAN by PAN card number

If you want to use your PAN to carry out the e-PAN card download online, use the NSDL or UTIITSL website.

  • In case of NSDL website, click on ‘Download e-PAN card (for PAN allotted older or more than 30 days)’
  • For UTIITSL, click on the ‘Download e-PAN’ option, navigating it through ‘PAN card services’
  • Enter your PAN and other details
  • Key in the OTP to download your e-PAN card
  • Access the document using your date of birth if the PDF is password-protected

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Frequently asked questions

Is e-PAN accepted for official and financial use?

Yes, e-PAN is recognised by all financial institutions, government offices, and banks. It carries equal legal weight as the physical card and can be used for tax filing, KYC, loans, and identity verification.

What are the steps to download an e-PAN card online?

You can download e-PAN through NSDL or UTIITSL websites by entering your PAN or acknowledgement number along with date of birth, verifying via OTP, and then downloading the secured PDF document.

How does e-PAN differ from a physical PAN card?

The physical card is printed on plastic, while e-PAN is a digital PDF copy signed electronically. Both contain identical information and hold equal validity, but e-PAN is quicker and paperless.

Can I update my PAN details online and get a new e-PAN?

Yes, PAN details can be corrected online through NSDL/UTIITSL. Once changes are approved, the updated e-PAN is emailed. If desired, a physical reprint can also be ordered separately by paying the fee.

Is an e-PAN card legally valid in India?

Yes, e-PAN is a legitimate government-issued identity proof that can be used across all official, financial, and taxation-related activities, with the same legal status as the physical PAN card.

How do I download e-PAN using Aadhaar number?

By using the Instant e-PAN service on the Income Tax portal, you can input your Aadhaar number, authenticate using OTP, and instantly download the e-PAN without any fee.

What is the fee for getting an e-PAN card?

If generated instantly through the Income Tax portal, e-PAN is free of charge. For downloads from NSDL or UTIITSL, the charges range between Rs. 66 and Rs. 72 depending on the submission mode.

What is the difference between PAN card and e-PAN card?

The PAN card is a physical, plastic-based identity card, while the e-PAN is a digitally signed PDF version. Both carry the same PAN number and are equally valid for financial or legal use.

Can I get my e-PAN card instantly after applying?

Yes, through the Income Tax portal’s Instant e-PAN facility, applicants can receive their e-PAN within approximately 10 minutes, provided Aadhaar is linked with their active mobile number

Is e-PAN accepted by banks for transactions?

Yes, all banks accept e-PAN as valid proof for identity and KYC requirements. It is used for opening bank accounts, applying for loans, credit cards, and other financial transactions.

Can I use e-PAN for applying a passport?

Yes, the e-PAN is recognised as a valid proof of identity and can be used when applying for a passport in India, just like the physical PAN card.

How do I get a printed copy of my e-PAN card?

If you need a physical copy, you can request a reprint through NSDL or UTIITSL portals by paying the required fee. The physical PAN card will then be posted to your address.

Who can apply for the Instant e-PAN facility?

This facility is available only to individuals who do not already have a PAN and have an Aadhaar card with a mobile number registered for OTP verification with the UIDAI database.

How much time does it take to receive an e-PAN?

Instant e-PAN from the Income Tax portal is generated in about 10 minutes. However, if applying through NSDL or UTIITSL, the processing and delivery may take up to 15 working days.

How can existing PAN holders download e-PAN online?

Existing holders can obtain e-PAN from NSDL or UTIITSL portals by entering their PAN, date of birth, and OTP sent to their registered mobile number or email ID.

In what format is e-PAN delivered or accessed?

The e-PAN is delivered in a password-protected PDF format. The password to open the file is the cardholder’s date of birth in the format DDMMYYYY.

Can e-PAN be used for KYC and identity proof?

Yes, e-PAN is widely accepted as valid proof for KYC, identity, and address verification across banks, insurance companies, investment firms, and government-related services.

What should I do if I lose my physical PAN card—can e-PAN help?

If the physical card is misplaced, you can download your e-PAN online and continue using it as proof of identity until you request and receive a reprinted physical copy.