1. I have lost my PAN card but I know my PAN number. Can I still apply for a loan?
No. While knowing your PAN number is important, the physical PAN card is required for KYC verification during the loan application process.
2. Why is the physical PAN card required for loan processing?
The physical PAN card serves as an official proof of identity and is necessary to comply with RBI-mandated KYC guidelines. A scanned copy or number alone is not sufficient.
3. Can I upload a scanned or digital copy of my PAN card instead of the physical one?
Unfortunately, no. We require the original physical PAN card to ensure document authenticity during verification.
4. How can I apply for a replacement or reprint of my lost PAN card?
You can apply for a reprint through the official portals:
- NSDL e-Gov: https://www.onlineservices.nsdl.com/
- UTIITSL: https://www.pan.utiitsl.com/
5. How long does it take to get a reprinted PAN card?
Typically, the new physical PAN card is delivered within 5–15 working days after successful application, depending on the processing and courier timelines.
6. Can I proceed with my loan application while my PAN reprint is in process?
No. Loan processing can only begin once we have the physical PAN card for verification.
7. I have a PDF copy of my e-PAN issued by the Income Tax Department. Is that acceptable?
Currently, we require the physical PAN card for verification. An e-PAN in PDF format is not accepted in place of the original card.
8. What should I do if my loan application is urgent and I don’t have my physical PAN card?
You can start the PAN reprint process immediately to avoid delays. Unfortunately, without the physical card, your loan application cannot be processed.
9. Will my PAN number change when I apply for a reprint?
No. Your PAN number remains the same; only a new physical card will be issued.
10. What documents do I need to apply for a reprint of my PAN card?
You generally need:
- Your existing PAN number
- Aadhaar number (linked with PAN)
- Proof of identity and address (in some cases)
- A small processing fee (₹50–₹110 depending on delivery location)