Can NRIs File ITR Without Aadhaar?

AK Posted by: Arnav Khanna
• 10 July, 2026
9 Reply

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.

Tags : NRIs File ITR Without Aadhaar

  • Milan kothari 24 September, 2026

    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.

  • Rohit Bansal 14 September, 2026

    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:

    • EVC through a pre-validated bank account
    • EVC through a demat account
    • Net banking
    • Digital Signature Certificate (where applicable)
    • Sending the signed ITR-V to CPC

    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.

  • Deepa Iyer 24 August, 2026

    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.

  • Charvi Choudhary 01 August, 2026

    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.

  • Gauri Saxena 30 July, 2026

    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.

Join The Discussion

Share Your Thoughts and Connect with Others.

Releated Topics
  • Can NRIs Buy Agricultural Land in India? Rules and Exceptions

    I’m an NRI living in Canada and my family owns agricultural land in India. I’ve been thinking about purchasing an additional piece of farmland near our hometown, partly as a...

    • 3 Reply
    • 8 Views
  • What Happens If FEMA Rules are Violated?

    I’m an NRI living abroad and recently learned that some banking and investment transactions in India must comply with FEMA (Foreign Exchange Management Act) rules. I’m trying to understand what...

    • 3 Reply
    • 19 Views
  • Can Joint Holders Operate an NRE Account?

    I am an Indian citizen living in Canada and have an NRE savings account with an Indian bank. I want to add my wife as a joint holder so she...

    • 3 Reply
    • 20 Views
  • Can NRIs Gift Money to Family Members in India?

    Hi everyone, I’m an NRI living in the USA, and I want to send some money to my parents and siblings in India as a gift. The money would come...

    • 3 Reply
    • 21 Views
  • Is FCNR Better Than an NRE Fixed Deposit?

    I am an Indian citizen currently living in the USA and trying to decide where to keep some of my savings in India. I already have an NRE savings account,...

    • 3 Reply
    • 21 Views
  • Can I Have Both NRE and NRO Accounts?

    I’m an Indian citizen currently living in the USA on an H-1B visa, and I’m trying to organize my Indian banking now that most of my income is earned overseas....

    • 3 Reply
    • 22 Views
  • What Documents are Needed to Claim DTAA Benefits in India?

    I am an NRI living in the UK and receive some income from India. I want to claim DTAA benefits so that I am not paying more tax in India...

    • 3 Reply
    • 45 Views
  • Can DTAA Reduce TDS on Property Sales?

    I am an NRI living in the UAE and I am planning to sell a residential property that I own in India. The buyer's CA told me that because I...

    • 3 Reply
    • 39 Views
  • Which Banks Offer the Best NRI Banking Services?

    I’m planning to move abroad permanently and am trying to decide which Indian bank would be easiest to manage as an NRI. I currently have a regular savings account in...

    • 3 Reply
    • 55 Views
  • Can I Repatriate Money From an NRE or NRO Account?

    I am an NRI and currently maintain both NRE and NRO accounts in India. I want to understand the rules for sending money from these accounts back to my overseas...

    • 3 Reply
    • 86 Views
comunity img

Join Our Facebook Community of
NRIs/OCIs Like You

Join Community
Join Community