PAN Card

PAN Card For HUF (Hindu Undivided Family)

  • April 13, 2026
  • 10 mins
  • 11.3K Views
HUF PAN Card

A HUF PAN card is a separate PAN issued to an HUF, treated as a distinct taxpayer under the IT department. It can be used to file ITR, open bank accounts, or perform various other activities. The process to apply for a HUF PAN card can be completed either online or offline by the head of the family (Karta). 

In this blog, we will cover everything about a HUF PAN card, including eligibility, process, documents, and much more. 

Key Takeaways
  • The Karta is responsible for applying for and managing the PAN card.
  • A HUF PAN card is mandatory for opening a bank account, filing ITR, independent of the member's income, and several other reasons. 
  • The HUF PAN card application process can be completed either online via the official PAN service provider website or offline by using Form 94. 

What is a HUF PAN Card?

A HUF (Hindu Undivided Family) PAN card is a unique 10-digit alphanumeric identifier issued by the IT department specifically to a HUF. It serves as a separate legal entity from its individual members, meaning its income is taxed independently from its members. It can be used to file income tax returns, open bank accounts, invest in financial instruments, and conduct high-value transactions. The 'Karta' (head of the family) is responsible for applying and managing the HUF PAN. 

Who is Eligible to Apply for a HUF PAN Card?

The following conditions must be fulfilled to apply for a HUF PAN Card:

  • Existing HUF Entity: The HUF must be formed already, either via family arrangements, inheritance, or by operation of law. 
  • Karta Authorization: The Karta is responsible for applying for the PAN on behalf of the HUF.
  • Defined HUF Name: The HUF must have a proper name, usually the name of the Karta followed by 'HUF'. 
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What are the Documents Required to Apply for a HUF PAN Card?

The following documents must be submitted to apply for a HUF PAN card and ensure smooth processing:

HUF Deed/Affidavit
  • Declaration of HUF formation with details of members and Karta.
PAN Card of Karta
  • Proof of identity of the head of the HUF.
Address Proof
  • Electricity bill
  • Bank statement
  • Proof of registered office
Identity Proof of Karta
  • Passport
  • Voter ID
  • Aadhaar card
Date of Birth Proof of Karta
  • Birth certificate
  • PAN card (if DOB is mentioned)

Ensure to submit clear and updated documents to prevent rejections or delays. 

How to Apply for a HUF PAN Card?

You can apply for a HUF PAN card both online and offline. Here's the process to apply using both methods:

Online Application Process

Follow the steps below to apply for a HUF PAN card online:

  • Visit the Website: Navigate to the official PAN service provider website:
    • NSDL e-governance infrastructure or 
    • UTI infrastructure technology and services limited
  • Choose the Correct Category: Select 'Apply for a new PAN' and choose the relevant category, i.e., 'Hindu Undivided Family (HUF)'. 
  • Fill in the Required Details: Enter the name of the HUF, date of formation, Karta's details, and other required information accurately. 
  • Document Submission and Fee Payment: Upload all the required documents clearly and pay the applicable fees. 
  • Form Submission and Acknowledgement Number: Submit the completed form and note down the acknowledgement number to track the application status. 

Offline Application Process

Follow the steps below to apply for a HUF PAN card offline:

  • Download the PAN application form (Form 93, 94, 95, or 96, as applicable under the latest rules effective April 2026) and fill the form manually. For a HUF, the relevant form (generally Form 94) should be selected as per the latest guidelines.
  • Attach the required documents 
  • Submit the completed form along with documents at a PAN service centre. 

The processing time for a HUF PAN card will usually take 7-15 working days. After that, the PAN card is sent via post, or it can be accessed digitally (e-PAN). 

Note: During the transition phase, some PAN service providers like Protean eGov Technologies Limited and UTIITSL may still use older forms such as Form 49A. Applicants should follow the latest instructions available on the official portal.

What are the Benefits of Having a HUF PAN Card?

Having a HUF PAN card is important to enjoy various financial and tax benefits available to an HUF. Here are some of the benefits of having a HUF PAN Card:

Basis Benefit
Separate Tax Entity A HUF is considered a separate legal entity by the IT department upon obtaining a PAN.
Tax Savings PAN allows the HUF to claim deductions under various sections, like 80C and 80D. 
Investment Options PAN is mandatory to invest in mutual funds, fixed deposits, and property transactions. 
Business Operations A HUF PAN is required to run a business legally and maintain financial records. 
Managing Wealth  PAN helps with proper monitoring, compliance, and structured wealth management of the HUF. 

Without a PAN, a Hindu Undivided Family cannot operate as a recognized taxpayer. 

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The Bottom Line

Applying for a HUF PAN card is an easy process. However, from properly submitting the documents to choosing the right form, paying attention to every step is crucial to ensure a successful application process. Moreover, if you are still confused about the process, contact Savetaxs. Our experts can make the entire process easier for you by offering end-to-end guidance. Contact us right away, as we are working 24/7 across the globe.

Glossary
  • HUF: HUF, a Legal Unit of Family Members, Formed for Tax Purposes, and Claims Benefits.
  • Income Tax: Income Tax, a Type of Direct Tax, is Imposed by the Government on the Income of Individuals or Organisations.
  • Income Tax Return: Income Tax Return, Filed by Taxpayers, Contains a Formal Record of the Collected Tax by the Government.
  • Karta: Karta, the leader of a HUF, makes all the decisions, represents its members in business matters.
  • Permanent Account Number: Understand PAN, its full form, meaning, and benefits. Learn why a PAN card is essential for tax filing and financial transactions in India.
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Note: This guide is for information purposes only. The views expressed in this guide are personal and do not constitute the views of Savetaxs. Savetaxs or the author will not be responsible for any direct or indirect loss incurred by the reader for taking any decision based on the information or the contents. It is advisable to consult either a CA, CS, CPA or a professional tax expert from the Savetaxs team, as they are familiar with the current regulations and help you make accurate decisions and maintain accuracy throughout the whole process.

Pankaj Shaw
Pankaj Shaw(Tax Expert)

Mr Shaw brings 8 years of experience in auditing and taxation. He has a deep understanding of disciplinary regulations and delivers comprehensive auditing services to businesses and individuals. From financial auditing to tax planning, risk assessment, and financial reporting. Mr Shaw's expertise is impeccable.

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Frequently Asked Questions

You can apply for an HUF PAN card online, using the NSDL or UTIITSL portal by choosing the "HUF" as the applicant type, filling out the details, uploading the requested documents, and submitting the application.

Generally, the senior-most family member becomes the Karta. Considering this, even if all the family members are NRIs, the senior-most family member will become the Karta and will manage the HUF and apply for an HUF PAN card.

Yes, can use a HUF PAN card to open a bank account. It is one of the mandatory documents that you need to submit while opening a bank account. It further helps in managing income, investment, and applying for tax benefits under the HUF structure.

After a successful application submission, an HUF PAN card is generally issued within 7 to 15 working days.

Yes, you can be a part of an HUF even if you are a salaried person. It is because, for tax purposes, the HUF and the individual are treated separately.