SAVE 50K IN 4 MONTHS EASILY!
Share
Siddhi Sharma, CFP®

Siddhi Sharma, CFP®

Money Coach, Lxme } NISM Certified

Meera: “Did you apply for your PAN card?”

Aarti: “Not yet , I thought about it but didn’t understand the process. They say it can be done online, offline too… I just got confused.”

This everyday conversation between Meera and Aarti, two women, is more common than you’d think. Whether you’re starting your first job, launching a business, or just want to manage your finances better, having a PAN card (Permanent Account Number) is essential. It’s not just a piece of plastic it’s your identity in India’s financial system.

For many women stepping into financial independence, applying for a PAN card is one of the first important steps. As it acts as an identity proof document and is required to carry out any financial transaction. So if you’re wondering how to apply for a PAN card in India, this blog will walk you through both online and offline options 

Why Women Must Prioritize Having a PAN Card?

  • For Financial Independence – A PAN is required to open bank accounts, to make an investment, or file the taxes.
  • For Government Benefits – Pan is also essential for the subsidies, scholarships, and schemes launched by the government.
  • For Entrepreneurs & Freelancers – If you’re starting a business, a PAN is crucial for GST, invoicing, and tax filings.

How to Apply for PAN Card Offline?

If you prefer a paper-based process or want personal assistance, here’s where to apply for a PAN card offline:

Step-by-step:

  1. Download Form 49A from the Proetean e Gov. website or from the form from the nearest PAN centre.
  2. Fill in your details clearly in block letters.
  3. Attach:
    • Two recent passport-size photos
    • Proof of identity (Aadhaar/ passport, etc.)
    • Proof of address
  4. Submit it to your nearest PAN card office : Submit the form and the required documents to the nearest PAN centre, or even select post offices.
  5. Pay the fees for PAN card application.
  6. You will get the acknowledgement number from which you can track the status of your PAN card application status.

 Tip for women: If you’re married and changed your surname, make sure to carry a marriage certificate or gazette notification as supporting proof.

How to Apply for a PAN Card Online in India?

Applying online is faster and can be done from home , which is perfect for working women, homemakers, or college students.

Here’s how to apply for a PAN card online in India:

  1. Visit NSDL Site , UTIITSL.
  2. Select the online form Select the application type as ‘New PAN – Indian Citizen (Form 49A) / PAN Card for Indian Citizen option (Form 49A for Indian citizens).
  3. Fill out your personal details, upload documents, and photos.
  4. Pay the application fee (for Indian communication address).
  5. Submit and note your acknowledgement number for tracking.

📮 Your PAN card will be delivered to your address within 10-15 working days.

Pro Tip for Women:

You can also get a (Instant E-PAN) via Income Tax Portal via using the simple steps mentioned below.

Step 1: Go to the Income Tax portal and click on ‘Instant e-PAN’ option.

Step 2: On the next page, click on ‘Get New e-PAN’. 

Step 3: Enter your Aadhaar number and click ‘Continue’. 

Step 4: The OTP validation page will be displayed. Tick the checkbox and accept the terms and conditions. Click on the ‘Continue’ button.

Step 5: Enter the OTP received on your Aadhaar registered mobile number, tick the checkbox and click ‘Continue’. 

Step 6: You will see your personal details, such as name, date of birth, etc., as per your Aadhaar card. Click on ‘Validate Email’ to validate your email, tick the checkbox, and click ‘Continue’.

You will receive an acknowledgement number and a confirmation message on your mobile number.

A Word to Women Taking Charge of Their Finances

Taking charge of your financial life starts with small steps and getting your PAN card is one of them. Whether you’re applying for your first job, starting a side hustle, or starting your business or planning your tax-saving investments, your PAN is your key to unlocking those goals.

Stay tuned with Lxme to learn more every day and become financially fearless!

Quick Links to Apply:

Step into financial independence. Get your PAN card, hassle-free.

FAQs

Can women apply for PAN even without a job?

Yes! Even homemakers or students can apply for a PAN card. It helps in building a financial identity.

What documents are needed?

Proof of Identity (like Aadhaar, passport, or voter ID), Proof of Address (such as an electricity bill or Aadhaar), and Date of Birth proof (like a birth certificate)are required.

Can I make corrections later?

Absolutely! You can update details like surname, address, or photo online or offline anytime.

Further read:

Please note, The Lxme Dream Card services has been discontinued from 30th November, 2024 to make way for something very exciting!

Sorry for the inconvenience caused and stay tuned for something really special!

New Investor? Request a Callback.

Fill in your details and we will guide you at every step

    other blogs
    West Bengal Rupashree Prakalpa Scheme
    Education August 11, 2025
    How to Apply for the Rupashree Prakalpa Scheme Step-by-Step

    In India, weddings are joyous occasions, but the financial burden can be overwhelming for low-income families. To ease this burden, the Rupashree Prakalpa Scheme was launched by the West Bengal Government.  The beauty of this scheme is that it gives women the financial support they need without worrying about high costs. If you’re a woman How to Apply for the Rupashree Prakalpa Scheme Step-by-Step

    By Siddhi Sharma, CFP®
    Share
    Education August 8, 2025
    Lakshmir Bhandar Scheme Explained: Eligibility, Benefits & Application Process

    Understanding this, the Government of West Bengal launched the Lakshmir Bhandar Scheme, a special financial support program for women. Whether you are a homemaker, a mother, a daughter, or a sister, this scheme is designed to help you take your first step toward self-reliance. Let’s break down this Laxmi Bhandar project in simple terms: what Lakshmir Bhandar Scheme Explained: Eligibility, Benefits & Application Process

    By Siddhi Sharma, CFP®
    Share
    5 top women investors in India and their Portfolio sizes
    Education May 23, 2025
    Top Women Investors in India and Their Portfolio Sizes

    By a woman, for the women who are done letting finance be a boys’ club. Let’s talk numbers, guts, and what it really takes to be part of the investing scene in India. The tide is shifting, and women investors in India are no longer watching from the sidelines.    We’re talking top women investors India, Top Women Investors in India and Their Portfolio Sizes

    By Tanya Saksena
    Share