📌 Introduction
Are you an NRI trying to file your ITR in India and suddenly locked out of the income tax portal?
You’re not alone.
As per the latest rules by the Income Tax Department of India, Aadhaar is now mandatory for:
- Logging into the income tax e-filing portal
- Filing returns (ITR)
- Claiming TDS refunds
- Completing e-verification of ITR
- Linking PAN & Aadhaar
Whether you live in the UAE, the US, or Singapore—if you have taxable income in India, your Aadhaar compliance is essential.
🛂 Do NRIs Need Aadhaar?
Yes—but with conditions.
👉 As per Section 139AA of the Income Tax Act, PAN must be linked with Aadhaar to remain valid.
👉 While Aadhaar is not mandatory for all NRIs under UIDAI rules, it becomes essential if you file ITR or have income from India.
🧾 Why NRIs Need Aadhaar for Tax Compliance
- 🔐 Login to Income Tax Portal: Without Aadhaar OTP or link, you may be unable to access your profile.
- 💵 Refund Delays: TDS refunds may get stuck or delayed if Aadhaar isn’t linked to PAN.
- 📉 Invalid PAN Risk: If not linked, your PAN could become inoperative, affecting investments, bank accounts, and property sales.
- 🧬 E-Verification Blocked: Income tax returns filed but not verified will be treated as invalid.
- 🛂 Avoid Notices: ITD is issuing warnings and notices for Aadhaar-PAN non-compliance.
📲 Aadhaar Mobile Number Must Be Active in India
To use Aadhaar OTP for login or e-verification, the mobile number linked to Aadhaar must be active and accessible.
For NRIs, this means:
✅ Either use your own Indian mobile number, or
✅ Update Aadhaar with a relative’s India number (with their consent)
This number must be:
- Active for receiving OTPs
- Registered with UIDAI
- Accessible during ITR filing deadlines
📝 How Can NRIs Apply for Aadhaar?
Here’s how NRIs (with Indian passports) can get Aadhaar:
- Book an appointment at a UIDAI-authorized Aadhaar Seva Kendra in India
- Carry your Indian Passport (mandatory for NRI Aadhaar enrolment)
- Provide a valid Indian mobile number
- Biometric and demographic data is collected
- Aadhaar is generated and delivered within 15-20 days
✈️ Many NRIs apply when they visit India or delegate the process during extended stays.
🛠️ What to Do if PAN is Not Linked with Aadhaar?
- Go to the Income Tax Portal
- Check PAN-Aadhaar link status
- If not linked, complete linking by paying late fee (if applicable)
- Ensure Aadhaar OTP is working with updated mobile number
💡 Use Form 10F, Form 26AS, and AIS with correct PAN-Aadhaar link for smoother filing and refunds.
📢 Final Reminder for NRIs
✅ If you’re earning Indian income (FDs, stocks, rent, etc.)
✅ If you’re filing ITR from abroad
✅ If your PAN is still active
Then you must ensure Aadhaar enrolment and PAN-Aadhaar linking—and keep an India-based mobile number active in the Aadhaar database.
📞 Need Help?
At Chhota CFO, we help NRIs with:
- ✅ Aadhaar application guidance during India visits
- ✅ PAN-Aadhaar linking support
- ✅ Seamless ITR filing & refund claim
- ✅ TDS, NRO FD interest, and capital gains planning
📩 Contact us for a free consultation on your NRI tax compliance needs!
