How to Print PAN Card: A Complete Step-by-Step Guide for Secure and Official Reproduction

Having a printed copy of your Permanent Account Number (PAN) card is essential for financial transactions, tax filings, identity verification, and compliance with government regulations in India. Whether you’ve lost your original card, need a physical copy for bank documentation, or are applying for a loan, knowing how to print PAN card correctly ensures you avoid delays, rejections, or legal complications. This guide provides a comprehensive, authoritative walkthrough on how to obtain and print your PAN card — whether it’s a newly allotted card, a reprint from the NSDL or UTIITSL portal, or a duplicate generated from your e-PAN. We cover every technical detail, best practice, tool recommendation, and real-world scenario to ensure your printed PAN card is accepted without issue.

The PAN card is issued by the Income Tax Department of India and serves as a unique identifier for all financial entities. While the digital e-PAN is legally valid, many institutions still require a printed version with a photograph and signature. This guide ensures you understand the difference between official reprints and unauthorized photocopies, and how to generate a print-ready, government-compliant version that meets all standards.

Step-by-Step Guide

Step 1: Confirm Your PAN Details and Status

Before attempting to print your PAN card, verify that your PAN has been successfully allotted and is active. Visit the official Income Tax Department’s e-Filing portal at https://www.incometax.gov.in and use the “Know Your PAN” feature. Enter your full name, date of birth, and mobile number. If your PAN is active, the system will display your name, PAN number, and status. If you see “PAN not found,” you may need to apply for a new PAN using Form 49A (for Indian citizens) or Form 49AA (for foreign nationals).

Ensure your mobile number and email address are updated in the system. These are required to receive the e-PAN acknowledgment and download link. If your contact details are outdated, visit the NSDL or UTIITSL website to update them before proceeding.

Step 2: Access Your e-PAN via NSDL or UTIITSL Portal

The most reliable method to obtain a print-ready PAN card is through the official e-PAN service provided by NSDL (National Securities Depository Limited) or UTIITSL (UTI Infrastructure Technology and Services Limited). Both agencies are authorized by the Income Tax Department to process PAN applications and reprints.

To access your e-PAN:

• Go to the NSDL e-PAN portal: https://www.nsdl.com
• Or visit the UTIITSL e-PAN portal: https://www.utiitsl.com

On either site, locate the “PAN” section and click on “Reprint of PAN Card” or “Download e-PAN.” You’ll be prompted to enter your PAN number, date of birth, and captcha. If you’ve applied for a PAN within the last 30 days, you may also be asked for your 15-digit acknowledgment number. This number is sent to your registered email after application submission.

Once verified, the system will generate your e-PAN in PDF format. This document is digitally signed by the Income Tax Department and contains your photograph, signature, PAN number, and personal details — identical to the physical card.

Step 3: Download and Verify the e-PAN PDF

The e-PAN PDF is your official digital PAN card. It is legally valid under the Income Tax Rules and can be used in place of a physical card for all purposes. However, it must be printed correctly to maintain its authenticity and acceptance.

After downloading the PDF, open it using Adobe Acrobat Reader (not a web browser or mobile app). Check the following:

• Is your full name spelled correctly?
• Is your date of birth accurate?
• Does the photograph appear clearly?
• Is the signature visible and legible?
• Is there a digital signature stamp at the bottom? (This confirms authenticity)

If any detail is incorrect, do not print. Instead, file a correction request through the NSDL or UTIITSL portal. Printing an incorrect PAN card may lead to rejection in banking or tax procedures.

Step 4: Prepare Your Printer and Paper

To ensure your printed PAN card meets official standards, use the following printer and paper specifications:

• Printer Type: Laser or inkjet printer with a minimum resolution of 600 dpi. Avoid dot matrix or thermal printers.
• Paper Size: Standard A4 (210 mm x 297 mm). Do not use cardstock or laminated paper unless explicitly requested by an institution.
• Paper Weight: 70–90 gsm bond paper. Heavier paper may cause feeding issues in scanners and photocopiers used by banks and government offices.
• Color Mode: Print in full color. The photograph and signature must appear in true color, not grayscale.
• Print Quality: Set to “Best” or “High Quality” mode. Avoid “Draft” or “Economy” settings.

Ensure your printer has sufficient ink or toner. Faded or smudged prints may be rejected. If printing multiple copies, use the same printer and settings for consistency.

Step 5: Print the e-PAN Document

Open the downloaded e-PAN PDF in Adobe Acrobat Reader. Click “File” > “Print.” In the print dialog box:

• Select your printer.
• Under “Page Sizing & Handling,” choose “Actual Size.” Do not select “Fit to Page” or “Shrink to Fit.”
• Ensure “Print as Image” is unchecked unless your printer is having trouble rendering the digital signature.
• Under “Advanced,” select “Print as Bitmap” only if the digital signature appears distorted.
• Click “Print.”

Once printed, inspect the output. The photograph should be sharp, the signature clear, and the text legible. The digital signature stamp should appear as a small icon or text at the bottom of the page. If the signature is missing or appears as a blank box, your PDF may be corrupted. Re-download the file from the official portal.

Step 6: Verify Printed PAN Card Acceptance

Before submitting your printed PAN card to banks, financial institutions, or government agencies, verify its compliance. The following features must be present:

• Clear, high-resolution photograph (minimum 35mm x 25mm)
• Legible signature in ink (not typed or printed)
• Correct PAN number format: 5 letters, 4 numbers, 1 letter (e.g., ABCDE1234F)
• Official seal or digital signature from NSDL/UTIITSL
• Printed on plain white A4 paper — no borders, watermarks, or logos

Some institutions may require you to sign the printed copy in blue or black ink above the printed signature. This is acceptable and often requested to confirm authenticity. Always use the same signature you used in your PAN application.

Best Practices

Never Use Photocopies of Physical PAN Cards

Many individuals assume that a photocopy of their original PAN card is sufficient. However, photocopies are easily forged and are often rejected by banks, tax authorities, and regulatory bodies. The Income Tax Department explicitly recognizes only the e-PAN PDF and the original laminated card as valid documents. A photocopy lacks the digital signature and security features embedded in the official e-PAN file.

Always Use Official Portals

Third-party websites and apps claiming to “print PAN card” or “generate PAN PDF” are often scams. These sites may collect your personal data, charge hidden fees, or deliver fraudulent documents. Only use the official portals: NSDL (nsdl.com) and UTIITSL (utiitsl.com). Both are government-authorized and offer free e-PAN downloads for applicants who have already been allotted a PAN.

Keep a Digital Backup

Store your e-PAN PDF in multiple secure locations. Upload it to a password-protected cloud drive (Google Drive, Dropbox, or OneDrive). Also, save it on a USB drive kept in a secure location. In case of device failure, you’ll have immediate access to the original file without needing to reapply.

Do Not Laminate the Printed e-PAN

While the original PAN card is laminated, the printed e-PAN should not be laminated. Lamination can obscure the digital signature, interfere with scanning equipment, and render the document invalid. Institutions use UV scanners and digital verification tools that require direct access to the printed surface. Lamination may also cause the ink to peel or bubble over time.

Update Contact Information Regularly

If your address, phone number, or email changes, update your PAN details immediately. You can do this via the “Request for New PAN Card or/and Changes or Correction in PAN Data” form on NSDL or UTIITSL. Failure to update may result in missing future communications or e-PAN download links.

Use Secure Networks for Downloads

Always download your e-PAN from a secure, private network. Avoid public Wi-Fi or shared computers. Use antivirus software and ensure your device is free of malware. Downloading sensitive documents over unsecured networks increases the risk of data interception.

Print Only When Needed

Limit the number of printed copies to what is necessary. Each printed copy increases the risk of loss or misuse. If you need to submit your PAN to multiple agencies, provide digital copies via encrypted email or secure portals whenever possible. Reserve printed copies for in-person verification or legal documentation that explicitly requires a physical copy.

Tools and Resources

Official Tools

• NSDL e-PAN Portal: https://www.nsdl.com — Primary portal for PAN applications and reprints.
• UTIITSL e-PAN Portal: https://www.utiitsl.com — Alternative portal for PAN-related services.
• Income Tax e-Filing Portal: https://www.incometax.gov.in — For verifying PAN status and linking PAN with Aadhaar.
• Aadhaar e-Sign: Available on the UIDAI portal — Allows you to digitally sign documents using your Aadhaar OTP, which can be useful when submitting PAN-related forms.

Recommended Software

• Adobe Acrobat Reader DC: The only PDF viewer that fully renders digital signatures and security features of the e-PAN. Free download at https://get.adobe.com/reader.
• PDF24 Creator: Useful for compressing or converting e-PAN files if you need to reduce file size for email submission. Ensure you do not alter the document content.
• Microsoft OneNote or Google Keep: For storing digital copies and reminders about PAN-related deadlines.

Printer Recommendations

• HP LaserJet Pro MFP M428fdw: High-resolution laser printer with reliable color output and automatic duplex printing.
• Epson EcoTank ET-2800: Inkjet printer with high-capacity ink tanks, ideal for occasional printing of official documents.
• Brother HL-L2350DW: Budget-friendly monochrome laser printer — suitable if you only need to print the text portion of the PAN (though color is preferred).

Document Storage and Security Tools

• Bitwarden: Password manager to securely store login credentials for NSDL/UTIITSL portals.
• Veracrypt: Open-source encryption tool to create encrypted containers for storing your e-PAN PDF.
• Google Drive with 2FA: Enable two-factor authentication and share files only with trusted recipients using “View Only” permissions.

Additional Resources

• Income Tax Department Handbook on PAN: Available at https://www.incometax.gov.in — Contains legal guidelines on PAN usage and document requirements.
• NSDL PAN User Manual: Downloadable PDF with screenshots and troubleshooting tips for e-PAN downloads.
• UIDAI Aadhaar-PAN Linking Guide: Essential if you haven’t linked your PAN with Aadhaar, which is mandatory for tax compliance.

Real Examples

Example 1: Applying for a Home Loan

Rajesh, a self-employed professional in Pune, applied for a home loan. The bank requested a printed PAN card. He visited the NSDL portal, entered his PAN and date of birth, and downloaded his e-PAN PDF. He printed it on 80 gsm paper using his HP LaserJet printer at 600 dpi. He signed the printed copy in blue ink above the printed signature and submitted it along with his bank statements. The loan was approved within 48 hours. The bank confirmed that the digital signature on the printout was verified successfully through their internal system.

Example 2: Updating PAN with New Address

Sunita, a student in Delhi, moved to a new city and needed to update her address on her PAN card. She applied for corrections on the NSDL portal, uploaded her Aadhaar as proof of address, and paid the nominal fee. After 15 days, she received an email with a link to download the updated e-PAN. She printed it, kept a digital copy, and submitted the printed version to her college for scholarship verification. The college accepted it without requiring the original laminated card.

Example 3: Foreign National Opening a Bank Account

James, a British national working in Bengaluru, needed to open a bank account. He applied for PAN using Form 49AA and received his e-PAN via email. He printed it on A4 paper and presented it along with his passport and visa. The bank officer scanned the document and confirmed the digital signature was valid. James was advised to keep the e-PAN PDF in his email and cloud storage for future use, as he would not receive a physical card.

Example 4: Reprinting After Loss

Amit, a small business owner in Jaipur, misplaced his original PAN card. He panicked, thinking he needed to reapply. He visited the UTIITSL portal, entered his PAN and DOB, and downloaded his e-PAN within minutes. He printed two copies — one for his CA and one for his GST registration. He kept the digital copy encrypted on his phone. He did not pay any fee, as reprinting via e-PAN is free. His GST portal accepted the printed copy without issue.

Example 5: Incorrect Print Rejected by Employer

Priya downloaded her e-PAN and printed it on a public library printer using “Fit to Page.” The photograph was shrunk, and the digital signature was cut off. When she submitted it to her new employer, HR rejected it, stating the document was “unverifiable.” She re-downloaded the file, printed it on her home printer using “Actual Size,” and resubmitted. The second copy was accepted. This example highlights the critical importance of correct print settings.

FAQs

Can I print my PAN card from the Income Tax e-Filing portal?

No. The Income Tax e-Filing portal allows you to view your PAN details and link it with Aadhaar, but it does not provide a downloadable e-PAN PDF. You must use the NSDL or UTIITSL portal to download the official print-ready version.

Is a printed e-PAN card legally valid?

Yes. According to Rule 114 of the Income Tax Rules, 1962, the e-PAN issued by NSDL or UTIITSL is a legally valid document and holds the same weight as the physical PAN card.

Do I need to pay to print my PAN card?

No. Downloading and printing your e-PAN is completely free if you have already been allotted a PAN. You only pay if you are applying for a new PAN or requesting a physical reprint (which is optional).

Can I print the PAN card in black and white?

Technically, yes — but it is not recommended. Many institutions require the photograph and signature to be in color for verification purposes. A black-and-white print may be rejected, especially if the signature is not clearly distinguishable.

What if my e-PAN doesn’t have a signature?

If your e-PAN PDF lacks a signature, it may be an older version or corrupted. Re-download the file from the official portal. If the issue persists, contact NSDL or UTIITSL support through their online form. Do not attempt to add a signature manually — this invalidates the document.

Can I use a scanned copy of my PAN card instead of printing?

Yes, in digital submissions. Many banks and government portals now accept scanned PDFs of the e-PAN. However, for in-person verification, a printed copy is usually required.

How long does it take to get the e-PAN after applying?

Typically, the e-PAN is generated within 10–15 minutes after application approval. If you applied through post or offline, it may take 15–20 days for the physical card, but the e-PAN is available immediately upon approval.

Is the e-PAN accepted for KYC in banks?

Yes. The Reserve Bank of India (RBI) recognizes the e-PAN as a valid KYC document. Most banks now accept it for account opening, loan applications, and mutual fund registrations.

Can I print multiple copies of my e-PAN?

Yes. There is no legal restriction on the number of printed copies. However, each copy should be printed from the original PDF file — do not photocopy a printed copy.

What should I do if I lost my PAN number?

If you’ve forgotten your PAN number, visit the NSDL or UTIITSL website and use the “Forgot PAN” feature. You’ll need your name, date of birth, and father’s name. The system will retrieve your PAN and send it to your registered email.

Conclusion

Printing your PAN card is not merely a technical task — it’s a critical step in maintaining financial compliance and ensuring smooth access to banking, taxation, and employment services. The process is straightforward when you follow the official guidelines and use authorized platforms like NSDL and UTIITSL. Avoid shortcuts, third-party tools, and unauthorized photocopies. Always verify the digital signature, print in color on standard A4 paper, and store a secure digital backup.

By adhering to the best practices outlined in this guide, you ensure that your printed PAN card is accepted without question by banks, employers, tax authorities, and regulatory bodies. Whether you’re a student, professional, business owner, or foreign national working in India, having a correctly printed PAN card is non-negotiable for financial legitimacy.

Remember: The e-PAN is your official document. Printing it correctly is not just a convenience — it’s your responsibility under Indian tax law. Keep it secure, update your details regularly, and always verify the authenticity of every copy you use. With this guide, you now have the knowledge to print your PAN card confidently, correctly, and legally — every time.