Apply PAN Card Online in Dubai UAE

For NRIs, applying for a PAN is not just a regulatory step. It is a gateway to handle the investment and financial matters in India. Considering this, not having a PAN card results in paying higher TDS, delays in property settlements, or being unable to do investment transactions easily. Further, to obtain an NRI PAN card from UAE, the application process remains the same. You need to fill out the application form, submit it along with the required documents and fees on the official PAN card website.

Want to know more about the PAN card for NRIs in the UAE and why they need it? Read the blog and get your answers.

Who in the UAE Needs an Indian PAN Card?

An Indian PAN Card in the UAE is required only for individuals who have a tax or financial connection with India. Considering this, it includes NRIs having taxable income in India. For instance, rental income from Indian property, salary paid in India, capital gains earned from the sale of property, mutual funds, or shares, and interest from fixed deposits and NRO accounts.

Additionally, a UAE-based NRI also needs a PAN card if he/she is selling or buying immovable property more than the stated limits, having bank deposits that attract tax, or investing in Indian bonds, equities, or mutual funds. Apart from this, a PAN card is a vital tool when filing ITR, availing DTAA benefits, or claiming TDS refunds. 

Further, even foreign citizens and OCI cardholders living in the UAE may need an Indian PAN card if in an Indian property they are joint owners. Also, if they are directors in Indian companies or involved in high-value financial transactions that under Indian tax laws require a PAN card.

So, this was all about who in the UAE needs an Indian PAN card. Moving ahead, let's know the benefits of having an Indian PAN card for NRIs.

Benefits of Having an Indian PAN Card for NRIs in the UAE

A PAN card serves as an important tool for cross-border investments, financial compliance, and property ownership. Here is the list of benefits an Indian PAN card offers to NRIs residing in the UAE:

• Whether for personal or family use, in India, being an NRI, if you are buying or selling a vehicle, to complete the registration and transfer formalities, you need a PAN card. This further helps in ownership validation and financial regulations.
• To open an NRE or NRO account, several Indian banks mandate NRIs to have a PAN card. Considering this, if you open the account without a bank card, you get limited bank services. Further, it helps the government in ensuring transparency in monetary transactions, also applicable to payment platforms and digital wallets. 
• It serves as a valid ID proof in India, since it records all important information. It includes the name, photo, and birth date of the cardholder. Additionally, it is widely accepted by the government departments, banks, and private institutions. Also, in KYC, it is compatible for several verification purposes.
• If you are selling/ purchasing a property in India, whose value is more than INR 10,00,000, or have high-value fixed deposits, you need a PAN card. It is because the Indian government uses it for monitoring legitimate or large money transactions.
• Additionally, if you want to invest in Indian mutual funds, stocks, or bonds, you need a PAN card. The main purpose of the PAN card in this scenario is to stay updated on the portfolio for future taxation and legal issues.
• Apart from this, a PAN card serves as an important document for several types of loans, like personal, home, or vehicle loans offered by NBFCs and banks. The card acts as an identity link between the income profile and credit history of the cardholder, making the loan approval process reliable and quick. 
• Further, for all transaction activities, a PAN serves as the reference number. It ensures that when NRIs file returns, pay TDS, or request tax refunds, all things are stated in a single identifier. It also assists in minimizing mistakes, double taxation, and maintaining transparency between the taxpayer and the IT department.
• Apart from this, a PAN card also helps NRIs to claim tax refunds of excess TDS deducted on property sales, NRO interest, mutual funds, or other taxable income. Considering this, under section 206AA, in the absence of a PAN card, tax is deducted at a higher rate. This leads to delays in refunds and unnecessary cash flow. 

These were some of the key benefits the NRI PAN card in the UAE offers to individuals. Moving further, let's know about the eligibility criteria for an NRI PAN card from UAE. 

Eligibility Criteria for NRI PAN Card from UAE

According to section 139A of the Income Tax Act, anyone who is liable to pay tax in India, whether, Indian resident, NRI, foreign citizen, or company, can apply for a PAN card. Considering this, for an NRI PAN card from UAE, here is the eligibility criteria:

• An NRI who has a taxable income or financial investment in India.
• An NRI running a business or profession with a turnover of more than the prescribed limit.
• Entities such as Partnership Firms, Companies, Hindu Undivided Families (HUF), and Trusts.
• UAE citizens and entities that have a financial trail or are liable to pay tax in India.
• NRIs who want to do high-value transactions such as investing in Indian securities, buying property, or making large bank deposits. 
• Students and non-earning individuals who may require a PAN for opening a bank account, KYC purposes, or making investments. 

So, this was all about the NRI PAN card eligibility criteria that individuals and entities need to follow. Moving ahead, let's know the documents required for an NRI PAN card application in the UAE. 

Documents Required for NRI PAN Card Application in UAE

Here is the list of documents required for an NRI PAN card application in the UAE:

• Identity Proof: Copy of passport
• Overseas Address Proof: Emirated ID, UAE residence visa, bank statement or utility bill.
• Photographs: Two recent, passport-sized, colored photographs.
• NRE Bank Account Statements: Bank statement showing at least two bank transactions in the last 6 months, attested by any of the following:
  • Indian Embassy
  • Apostille
  • Indian Consulate
  • High Commission
  • Bank manager where the account is held
• Additional Documents (If required): Copy of Overseas Citizen of India card
• Additional Papers (if applying with an Indian office address):
  • Address Certificate: Issued by the Indian employer.
  • PAN Details of the Employer: PAN card details of the employer.
  • Appointment Letter: Copy of the appointment letter with an Indian address from the concerned company. 

These documents certify that NRIs can easily apply for and get their PAN card, vital for financial and tax-related transactions in India. Now, moving further, let's know how NRIs can apply for a PAN card from UAE. 

How NRIs Can Apply for PAN Card from UAE?

In the UAE, the NRI PAN card application procedure varies as per the application type. For example, whether you are applying for a new PAN application, a duplicate PAN card in case of damage or loss, or want to make corrections in the existing one. So, moving further, let's know the application process according to that:

Applying for a New PAN Card from UAE

To obtain a new NRI PAN card from UAE, follow the steps below:

• Step 1: Visit the official Protean PAN Portal website (formerly NSDL) or UTIITSL.
• Step 2: Select the Form 49A if you hold an Indian passport or opt for Form 49AA if you are a UAE citizen or OCI cardholder. 
• Step 3: Mention the requested details in the form, such as your name, DOB, Indian and overseas address.
• Step 4: Scan and upload all the documents along with your PAN application form.
• Step 5: Pay the application fees using the available online payment options such as net banking, credit/ debit card, or demand draft.
• Step 6: On submission, you receive a 15-digit acknowledgment number. It further helps you in tracking your PAN application. 
• Step 7: Once processed, your e-PAN Card will be emailed (if you opted for this option). Further, a physical PAN card will be delivered to your chosen address.

PAN Card Reissue in Case of Loss or Damage

In case of loss or damage, to apply for a lost PAN card online in Dubai, UAE, follow the steps below:

• Step 1: In case of losing a PAN card, you have to submit a photocopy of your filed FIR. 
• Step 2: Visit the NSDL or UTIITSL's official website.
• Step 3: Select the option of "Reprint of PAN card."
• Step 4: Fill out all the requested details, including your particulars, previous PAN number, and contact information.
• Step 5: Scan and upload all the mentioned documents along with a copy of your filed FIR.
• Step 6: Once you submit the application and documents, you will be directed to the payment section. Using the available online payment options, pay the PAN card fees.
• Step 7: Before submitting, it is advisable to cross-check all the information. Upon your application submission, you will get a 15-digit acknowledgment number. 
• Step 8: Take a printout of your submitted PAN application, sign it. Now, send the printed application along with the requested documents to the address mentioned on the NDSL/ UTIITSL website. To obtain a duplicate PAN card, you need to perform this step.

PAN Cad Correction or Update Process

Follow the steps below to update or make corrections to your existing PAN card from UAE:

• Step 1: Visit the official NSDL portal or the UTIITSL website.
• Step 2: With correct information, fill out the online request form.
• Step 3: Mention your existing PAN number details.
• Step 4: Select the things that you want to change in your existing PAN card. For example, if you want to change your name, choose of name change.
• Step 5: According to your chosen parameter, upload the supporting documents and click on the submit option.
• Step 6: Using the online payment option, pay the PAN card fees that appear on your screen.
• Step 7: If all the details are correct, you will receive an acknowledgment number. This number will help you track your PAN application online in the UAE.
• Step 8: Further, within the given processing time, you will receive your PAN card with updated information. 

So, this is how you can apply for NRI PAN card from UAE as per your application type. Moving ahead, let's know the PAN card fees and processing time for NRIs in the UAE. 

PAN Card Fees and Processing Time for UAE NRIs

Depending on the application type and whether it is submitted online or offline, the fees for a PAN card vary for NRIs and foreign citizens. Here to provide an idea of the PAN card fees, we have broken down the charges of card fees by application type.

Additionally, the processing type of the card also depends on your application process, whether applied online or offline. For instance, if you apply for an e-PAN, you get it instantly (if you use the Income Tax website) or within 48 hours/ 4 working days (via NSDL or UTIITSL). Further, if you applied for the PAN card online, you will get it within 15-20 working days. Considering this, whether you are applying for a new PAN card, a duplicate one, or updating the existing one, the processing times remain the same. 

This was all about PAN card fees and processing time for UAE NRIs. Moving further, let's know how NRIs can track PAN card status from the UAE. 

How NRIs Can Track PAN Card Status from the UAE?

Tracking your PAN application helps you remain updated with the process. It also assists you to know whether your application is one the right place or not. Further, let's know how you can track down your PAN card status from the UAE.

• Step 1: Go to the NSDL website.
• Step 2: On the screen, look for the "Track PAN Status" option and click on that.
• Step 3: Once you click on the "Track PAN Status" option, you will see the "Application Type" section. Click on that and select the "PAN New/ Change Request" option.
• Step 4: Now, mention the 15-digit acknowledgment number you get after submitting your PAN application.
• Step 5: Fill out the given captcha code and click on the "submit" option.
• Step 6: Your current PAN card status will appear on the screen.

Further, you can also track your PAN application without using the acknowledgment number by mentioning your PAN number, date of birth, or name. However, for this, you need to use the Income Tax Department website or the UTIITSL website. The steps of tracking the application on these websites remain the same as the ones mentioned.

Final Thoughts

Lastly, for NRIs, a PAN card is more than an ID proof. It is a pathway through which you can unlock financial freedom in India. Additionally, avail PAN also helps you in filing your tax returns in India and claim the available refunds. Further, you can simply apply for an NRI PAN card from UAE by visiting the official website of UTIITSL or the NSDL website and enjoy the benefits that come with it.

Further, you can streamline your PAN card application process by connecting with Savetaxs. We have a team of experts who will simplify the NRI PAN card procedure for you. Additionally, we can also help with your tax and investment planning in India.