Can Senior Citizens File ITR Without a PAN Card? Here’s What You Need to Know

In today’s digital age, the Permanent Account Number (PAN) card holds immense significance in various financial transactions.

Many senior citizens wonder whether having a PAN card is a prerequisite for filing their Income Tax Returns (ITR).

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This article aims to provide clarity on whether senior citizens can file their ITR without a PAN card and outlines the necessary steps.

Importance of PAN for Senior Citizens

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Senior citizens often find themselves in a scenario where they have deposited their savings in Fixed Deposits (FDs) across different banks.

To avoid tax deductions, they submit Form 15G. However, if they lack a PAN card, banks may deduct taxes at a rate of 20 percent.

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Under Section 206AA of the Income Tax Act, banks are obligated to deduct tax at the rate of 20 percent even if a senior citizen submits Form 15G, provided they do not possess a PAN card.

This situation necessitates the submission of Form 15H by senior citizens.

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Can Senior Citizens File ITR Without a PAN Card?

It’s crucial to note that filing ITR without a PAN card is not possible. To claim a refund for tax deductions made by the bank, filing ITR is mandatory.


In the absence of a PAN card, individuals must first apply for one. However, for those who have an Aadhaar number, there is an alternative.

Senior citizens can use their Aadhaar number in place of a PAN card for ITR purposes.


They can submit a request to the bank to update their Tax Deducted at Source (TDS) return by adding their PAN or Aadhaar number alongside their name.

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