How to Request PAN Card OTP: A Complete Step-by-Step Guide

The Permanent Account Number (PAN) card is a critical identification document issued by the Income Tax Department of India. It serves as a unique identifier for financial transactions and tax-related activities. Whether you’re applying for a new PAN card, updating existing details, or verifying your identity for banking or investment purposes, one of the most common steps you’ll encounter is receiving a One-Time Password (OTP). Requesting a PAN card OTP is a secure, digital verification process designed to confirm your identity and prevent fraud. Understanding how to request this OTP correctly ensures a smooth, error-free experience without unnecessary delays. This guide provides a comprehensive, step-by-step walkthrough of the entire process, along with best practices, essential tools, real-world examples, and answers to frequently asked questions.

Step-by-Step Guide

Requesting a PAN card OTP is a straightforward procedure, but it requires attention to detail. The process varies slightly depending on whether you are applying for a new PAN card, correcting details on an existing one, or verifying your PAN through a third-party platform. Below is a detailed, sequential guide covering all major scenarios.

Requesting OTP for New PAN Application (Online)

If you are applying for a new PAN card through the official NSDL or UTIITSL portals, the OTP request is triggered during the application submission phase.

1. Visit the official website: Go to https://www.onlineservices.nsdl.com or https://www.utiitsl.com. These are the two authorized agencies for PAN applications.
2. Select “Apply for New PAN Card” or “Apply for Changes/Correction in PAN Data.”
3. Choose the appropriate form: Form 49A for Indian citizens or Form 49AA for foreign citizens.
4. Fill in all required personal, demographic, and contact details accurately. Ensure your mobile number is active and registered in your name.
5. Upload scanned copies of supporting documents (proof of identity, proof of address, and photograph) as per the guidelines.
6. Review all entered information carefully. Any mismatch may lead to OTP rejection or application rejection.
7. Click on “Submit” to proceed. The system will prompt you to enter an OTP sent to your registered mobile number.
8. Wait for the SMS containing the OTP. It typically arrives within 30 seconds to 2 minutes. If you don’t receive it, check your spam folder or request a resend.
9. Enter the OTP in the designated field. Ensure you type it exactly as received, including any leading zeros.
10. Click “Verify OTP.” Once validated, you will receive a confirmation message and an application reference number.

Requesting OTP for PAN Correction or Update

If you need to update your name, address, date of birth, or photograph on your existing PAN card, the OTP process is nearly identical to a new application.

1. Log in to the NSDL or UTIITSL portal using your existing PAN number and date of birth.
2. Select the option “Request for New PAN Card or/and Changes or Correction in PAN Data.”
3. Fill out the form with updated information. Highlight the fields you are changing.
4. Attach updated supporting documents. For example, if changing your address, upload a recent utility bill or bank statement.
5. Submit the form. The system will trigger an OTP to the mobile number linked to your PAN.
6. If your mobile number has changed, you must first update it through the “Update Mobile Number” option, which may require additional verification via an Aadhaar-linked OTP.
7. Enter the OTP and confirm. A confirmation screen will appear with your request ID.

Requesting OTP for PAN Verification via Third-Party Platforms

Many financial institutions, stockbrokers, mutual fund platforms, and e-commerce sites require PAN verification before allowing transactions. In these cases, the OTP is sent through the Income Tax e-Filing portal or via the platform’s integrated verification system.

1. Log in to the platform where PAN verification is required (e.g., Zerodha, Groww, Paytm, or a bank portal).
2. Locate the “Verify PAN” or “Link PAN” option under your profile or KYC section.
3. Enter your 10-digit PAN number and click “Verify.”
4. The system will redirect you to the Income Tax e-Filing portal (https://www.incometax.gov.in) for authentication.
5. Log in using your user ID (PAN) and password. If you don’t have an account, create one by registering with your PAN and mobile number.
6. Once logged in, the system will prompt you to authorize the verification request. Click “Proceed.”
7. An OTP will be sent to your registered mobile number. Enter it on the portal.
8. Confirm the authorization. The third-party platform will receive real-time verification status.

Troubleshooting OTP Delivery Issues

Even with correct information, OTP delivery may fail due to technical or network issues. Here’s how to resolve common problems:

• No OTP received: Wait for 5 minutes. Network delays can occur. Then click “Resend OTP.”
• Wrong mobile number: If the number on file is outdated, you must update it via the Income Tax e-Filing portal using Aadhaar-based authentication.
• OTP expired: OTPs are valid for 10–15 minutes. If expired, request a new one.
• Incorrect OTP entered: Most systems allow 3 attempts. After that, you may need to restart the process.
• Multiple OTP requests: Avoid spamming the “Resend” button. This may temporarily block your request.

Best Practices

Following best practices not only ensures a seamless OTP request experience but also enhances the security and integrity of your personal data. These guidelines are based on industry standards and real-world user experiences.

Ensure Mobile Number is Registered and Active

Your mobile number must be registered with the Income Tax Department under your PAN. If you’ve recently changed your number, update it before initiating any OTP request. You can do this via the e-Filing portal using Aadhaar authentication. Never use a number registered under someone else’s name.

Use a Dedicated Mobile Line

For financial and tax-related activities, it’s advisable to use a mobile number exclusively for official purposes. Avoid using temporary or shared numbers. This reduces the risk of missing critical OTPs and prevents confusion during verification.

Keep Supporting Documents Ready

Before starting the OTP request process, have all required documents scanned and saved in the correct format (PDF or JPG, under 100 KB). Common documents include Aadhaar card, voter ID, passport, electricity bill, or bank statement. Ensure the document is clear, unobstructed, and contains all necessary details.

Use Secure Networks

Always perform OTP requests on secure, private networks. Avoid public Wi-Fi or untrusted hotspots. Cybercriminals may intercept data during transmission. Use your mobile data connection or a trusted home network.

Do Not Share OTP with Anyone

An OTP is a one-time, time-sensitive code meant only for you. Never share it with anyone—whether they claim to be from a bank, government agency, or tech support. Legitimate organizations will never ask for your OTP. Sharing it can lead to identity theft or unauthorized access to your financial accounts.

Save Your Application Reference Number

After successfully submitting your OTP, you’ll receive a unique application reference number. Save this number in a secure location. It is your primary tracking ID for checking application status and resolving discrepancies.

Monitor SMS and Email Regularly

Some platforms send OTPs via SMS and email simultaneously. Check both channels. Occasionally, SMS delivery may be delayed due to carrier issues, but the email version arrives promptly.

Update Contact Details Annually

Even if you haven’t applied for a PAN update recently, review your registered mobile number and email address at least once a year. This ensures you remain reachable for future compliance, notices, or verification requests.

Enable Two-Factor Authentication (2FA) on e-Filing Portal

Log in to the Income Tax e-Filing portal and enable two-factor authentication using an authenticator app (like Google Authenticator or Microsoft Authenticator). This adds an extra layer of security beyond OTPs and passwords.

Tools and Resources

Several official and third-party tools streamline the PAN OTP request process. Leveraging these resources reduces errors and saves time.

Official Tools

• Income Tax e-Filing Portal – https://www.incometax.gov.in: The primary platform for PAN-related activities, including OTP generation, mobile number updates, and status tracking.
• NSDL e-Gov PAN Portal – https://www.onlineservices.nsdl.com: Used for new PAN applications and corrections. Offers downloadable forms and document checklists.
• UTIITSL PAN Portal – https://www.utiitsl.com: Alternative to NSDL for PAN applications. Features real-time tracking and SMS alerts.
• Aadhaar Authentication Portal – https://uidai.gov.in: Required for updating mobile numbers linked to PAN. Enables biometric and OTP-based verification.

Third-Party Tools

• DigiLocker – https://digilocker.gov.in: A government-backed digital locker where you can store and share verified copies of your PAN card and Aadhaar. Simplifies document upload during OTP requests.
• Paytm, PhonePe, Google Pay: These platforms allow users to link PAN cards for UPI and financial services. They often guide users through OTP verification with clear instructions.
• Document Scanner Apps – (e.g., Adobe Scan, CamScanner): Useful for capturing high-quality images of documents for upload. Ensure the scanned file meets size and format requirements.
• Google Authenticator / Microsoft Authenticator: Enhance security by enabling 2FA on your Income Tax account, reducing dependency on SMS-based OTPs.

Document Format Guidelines

When uploading documents, adhere to these specifications to avoid rejection:

• File format: JPG, JPEG, PDF (maximum 100 KB per file)
• Image resolution: Minimum 300 dpi
• File name: Use alphanumeric characters only (no spaces or special symbols)
• Document clarity: All text, signatures, and seals must be legible
• Color: Prefer color scans over black-and-white for better detail

Check Application Status

After submitting your OTP, monitor your application status using your acknowledgment number:

• Visit https://www.onlineservices.nsdl.com or https://www.utiitsl.com
• Select “Status Track”
• Enter your acknowledgment number and date of birth
• Click “Submit” to view real-time status

Real Examples

Understanding how the OTP request process works in real-life scenarios helps eliminate confusion. Below are three detailed examples based on actual user cases.

Example 1: New PAN Application for a College Student

Rahul, a 20-year-old student, needs a PAN card to open a demat account for investing in mutual funds. He visits the NSDL portal and selects Form 49A. He enters his name as per his Aadhaar, his father’s name, and his current residential address. He uploads a scanned copy of his Aadhaar card and a recent passport-sized photo. He enters his mobile number, which is registered under his name. After submitting the form, he receives an OTP within 45 seconds. He enters it correctly and receives a confirmation message with reference number NSDL/2024/89765. He saves this number and checks the status weekly. His PAN card is delivered by post within 15 days.

Example 2: Updating PAN Details After Marriage

Sneha recently got married and wants to change her surname on her PAN card. She logs into the Income Tax e-Filing portal and selects “Changes/Correction in PAN Data.” She enters her existing PAN and selects “Name Change.” She uploads her marriage certificate and updated Aadhaar card. The system sends an OTP to her registered mobile number. She receives it immediately but accidentally enters it incorrectly twice. On her third attempt, she types it correctly. Her request is approved within 7 days, and she receives an updated PAN card with her new name.

Example 3: PAN Verification for a Freelancer on Zerodha

Amit, a freelance graphic designer, signs up on Zerodha to start trading. He enters his PAN number during KYC. Zerodha redirects him to the Income Tax portal. He logs in using his PAN and password. He authorizes the verification request. An OTP is sent to his mobile. He enters it and confirms. The status updates to “Verified” within minutes. He receives an email confirmation and can now trade without restrictions.

Example 4: OTP Failure Due to Outdated Mobile Number

Meena applied for a PAN card two years ago and recently tried to link it to her bank account. When she entered her PAN, the system said “OTP not sent.” She realized her mobile number had changed since her original application. She visited the Income Tax e-Filing portal and used the “Update Mobile Number” feature. She authenticated via Aadhaar OTP. Once her new number was updated, she returned to the bank portal and successfully requested a new OTP. Her PAN was linked within an hour.

FAQs

Can I request a PAN OTP without a mobile number?

No, a registered and active mobile number is mandatory for OTP generation. If you don’t have a mobile number linked to your PAN, you must update it first using Aadhaar-based authentication on the Income Tax e-Filing portal.

What if I receive an OTP for someone else’s PAN?

If you receive an OTP intended for another person, do not use it. It may indicate a data entry error or attempted fraud. Contact the Income Tax Department through the e-Filing portal’s grievance section to report the issue.

How long does an OTP remain valid?

Most OTPs are valid for 10 to 15 minutes. If you don’t use it within this window, it expires automatically. You can request a new one without penalty.

Can I use an email instead of a mobile number for OTP?

While some platforms may send OTPs via email, the primary and mandatory channel is your registered mobile number. Email is a secondary option and not guaranteed for all services.

Is there a fee to request a PAN OTP?

No, requesting an OTP is completely free. Any website or service asking for payment to generate an OTP is fraudulent. Always use official portals only.

Why am I not receiving the OTP even after multiple attempts?

Common reasons include: incorrect mobile number, network issues, SMS blocking by your carrier, or temporary server downtime. Try switching to mobile data, wait for 1–2 hours, or use the “Update Mobile Number” feature if needed.

Can I use an international mobile number for PAN OTP?

International numbers are not accepted for OTP delivery. You must have an Indian mobile number registered with your PAN. Non-residents should use Form 49AA and ensure they have a local contact number for communication.

What happens if I enter the wrong OTP three times?

After three failed attempts, the system will temporarily block further OTP requests for 30 minutes. Wait for the cooldown period and then try again. If the issue persists, contact support through the official portal.

Do I need to request a new OTP every time I update my PAN details?

Yes, each request for changes or verification triggers a new OTP. This ensures each action is independently authenticated for security.

Can I link my PAN to multiple mobile numbers?

No, your PAN can be linked to only one mobile number at a time. If you need to change it, you must update the existing one through the official portal using Aadhaar verification.

How do I know if my PAN OTP request was successful?

You will see a confirmation message on-screen stating “OTP Verified Successfully” along with an application or request ID. You may also receive a confirmation SMS or email.

Is the OTP process the same for NRIs?

Yes, the OTP process is identical for NRIs using Form 49AA. However, NRIs must ensure their Indian mobile number is active and registered with their PAN. If they don’t have one, they may need to appoint a representative in India to assist with verification.

Conclusion

Requesting a PAN card OTP is a simple yet vital step in India’s digital financial ecosystem. Whether you’re applying for a new card, updating personal details, or verifying your identity for investments, the OTP acts as a secure gatekeeper to prevent unauthorized access. By following the step-by-step guide outlined in this tutorial, adhering to best practices, using official tools, and learning from real examples, you can navigate the process with confidence and efficiency. Always ensure your mobile number is up to date, never share your OTP, and rely exclusively on government-approved portals. The system is designed to be user-friendly and secure—your diligence ensures its effectiveness. As digital verification becomes increasingly central to financial compliance, mastering the PAN OTP request process is not just a technical skill, but a fundamental step toward financial autonomy and regulatory compliance in modern India.