Understanding the Difference Between e-PAN and Physical PAN Card

The PAN (Permanent Account Number) card is a crucial document issued by the Income Tax Department of India . It is used for financial transactions, tax filings, and identity verification. However, PAN is now available in two formats: e-PAN and physical (regular) PAN card . Here’s how they differ:

1. Format and Delivery

• e-PAN: It is a digitally signed PDF version of the PAN card. It is issued online and sent to the applicant’s email address.
  
  
• Regular PAN: This is the traditional physical laminated card delivered by post to the applicant's registered address.

2. Issuing Authority

• Both e-PAN and regular PAN cards are issued by the Income Tax Department, via NSDL or UTIITSL.
  
  

3. Application Method

• e-PAN: Can be generated instantly online using Aadhaar and OTP-based verification. Ideal for new applicants who want quick access.

Regular PAN: Can be applied for online or offline and requires photo, signature, and physical documentation for processing and delivery.

4. Time Taken to Receive

• e-PAN: Usually issued within 10–15 minutes to a few hours if Aadhaar details are validated successfully.
  
  
• Regular PAN: Takes 7–15 working days for postal delivery after application is processed.
  
  

5. Use and Validity

• Both e-PAN and regular PAN cards are equally valid for all official and legal purposes, including tax filing , banking, and ID verification.

6. Cost Involved

• e-PAN: Free or minimal charge when applied via the Income Tax portal (for Aadhaar holders).
  
  
• Regular PAN: Usually incurs a fee (₹66 for e-PAN only; ₹101–₹107 for physical PAN with dispatch in India).
  
  

7. Personalisation and Appearance

• e-PAN: Issued in a PDF format with QR code and digital signature of the issuing authority.
  
  
• Regular PAN: Laminated plastic card with similar details and QR code, but physical in nature.
  

Both e-PAN and regular PAN cards serve the same purpose and are equally valid. e-PAN is ideal for quick digital access, especially for those who need their PAN instantly. However, if you prefer a physical document for offline use, the regular PAN card is suitable.