I'm an NRI living in the US and I'm planning to file my Income Tax Return (ITR) for FY 2025-26 (AY 2026-27). I have a PAN card, but I don't have an Aadhaar card because I've been living outside India for several years.
When I started reading about the ITR filing process, I came across several articles discussing PAN-Aadhaar linking and Aadhaar verification. That left me wondering whether NRIs can file an ITR without Aadhaar or if it's mandatory to obtain one first.
My income in India consists of rental income from a property in Bengaluru and interest from my NRO account. I also had some TDS deducted during the year, so I plan to file an ITR to claim the correct tax treatment and, if applicable, a refund.
Has anyone here successfully filed an ITR as an NRI without an Aadhaar card? Did the Income Tax e-Filing portal ask you to link Aadhaar, or were you able to complete the filing using only your PAN?
I'd appreciate hearing from anyone who has filed recently. I understand the rules can change, so I'll also verify the latest guidance issued by the Income Tax Department before submitting my return.
The part that confused me was the ITR verification rather than the actual filing.
If you don't have Aadhaar, you obviously can't use Aadhaar OTP for e-verification. But that isn't the only verification method.
The Income Tax Department currently lists several ways to verify an ITR, including:
So not having Aadhaar doesn't automatically mean that you cannot verify your return.
For me, using the bank/net-banking route was the practical option because my PAN was linked to my Indian bank account.
Just remember that after filing, the return needs to be verified within the prescribed time. The Income Tax Department currently states that the e-verification or submission of ITR-V is to be completed within 30 days of filing.
Yes, an NRI can generally file an ITR without Aadhaar if they fall within the non-resident exemption from Aadhaar-PAN linking.
The Income Tax Department's current Aadhaar FAQ specifically lists an individual who is a non-resident under the Income-tax Act, 1961, among those for whom Aadhaar-PAN linkage is not compulsory. It also includes people who are not Indian citizens.
So the important thing is not simply whether you have an Aadhaar card. Your tax residential status matters.
You still need a valid PAN and access to the e-Filing portal. The Income Tax Department says taxpayers can register using a valid and active PAN, and an NRI without an Indian mobile number can register using a foreign mobile number; communications and OTPs can be sent to the registered email address.
I would first check that your PAN is active and that your e-Filing profile correctly shows your residential status.
I'm an NRI based in Canada and filed my Indian ITR earlier this year without an Aadhaar card. During the filing process, I selected my residential status as Non-Resident, and I didn't run into any problems because I wasn't required to quote an Aadhaar number.
I had already updated my profile on the income tax portal to reflect my NRI status, which seemed to help. Since I wasn't eligible for Aadhaar, my return was processed normally. I still kept records of my passport and overseas address in case any clarification was needed later.
I'm an NRI in the UAE and have been filing Indian tax returns for several years without an Aadhaar card. My accountant advised me to make sure my residential status was correctly reported in the return and that my contact details on the income tax portal were up to date.
The only time we had to provide additional clarification was when the portal requested confirmation of my residential status. Once that was sorted out, the return was processed without any Aadhaar-related issues.
Since tax rules and portal procedures can change, I'd still recommend checking the latest guidance before filing.
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I would also check whether your PAN is showing as operative before starting the return.
There is a common misconception that every person with a PAN must have Aadhaar. The current Income Tax Department guidance specifically provides an exemption from Aadhaar-PAN linking for non-residents under the Income-tax Act, 1961.
Also, don't confuse:
Aadhaar requirement
with
Aadhaar-PAN linking
with
Aadhaar OTP verification.
They are three different things.
An NRI may not have Aadhaar, may therefore not use Aadhaar OTP, but can still have a valid PAN and use another permitted method to verify the return.
If your PAN is nevertheless showing as inoperative, I would resolve that issue with the Income Tax Department before assuming that you simply need to obtain Aadhaar.