I had the same confusion because the website uses the term “Instant e-PAN.”
There are actually two different situations.
If someone doesn't have a PAN at all, an eligible individual can use the Instant e-PAN service. The current requirements include a valid Aadhaar and an Aadhaar-linked mobile number, along with the applicable eligibility conditions.
But if the person already has a PAN, Instant e-PAN isn't meant to issue another one.
The Income Tax Department's e-PAN FAQ specifically addresses the lost-PAN situation and says that a person who already has a PAN cannot use the Instant e-PAN service simply to obtain a new e-PAN through Aadhaar.
For an existing PAN, I'd check the e-Filing account and use the available View / Download e-PAN option.
The first thing to check is whether you already have a PAN.
If you already have one, don't use the “Get New e-PAN” option. The Income Tax Department specifically says that Instant e-PAN is not available to a person who has already been allotted a PAN.
For someone who already has a PAN, the Income Tax e-Filing portal provides a View / Download e-PAN facility.
If you have an e-Filing account, the current route is:
Login → Dashboard → Services → View / Download e-PAN
The portal then uses Aadhaar-based OTP verification before allowing the e-PAN to be viewed or downloaded.
So if your physical PAN card is lost, you shouldn't create another PAN. Try retrieving the existing e-PAN first.
For anyone searching specifically for how to download PAN card online, I'd first check whether you need an e-PAN or a replacement physical PAN card.
If you only need a digital copy, look for the e-PAN download facility associated with your existing PAN record. If the physical card was lost or damaged and you want another physical card, that's a different request.
Don't create another PAN just because you cannot find the old card. Your PAN is a permanent identifier.
I would also be careful about third-party websites asking for unnecessary personal information. PAN, Aadhaar and OTP details are sensitive, so I would stick with the Income Tax Department or an authorized PAN service provider.
The procedure and available download options can change, so it's worth checking the current instructions on the official portal before submitting anything.
One thing that confused me initially was the phrase "download PAN card." There isn't necessarily a downloadable version of the physical card in every situation.
What you may be looking for is an e-PAN, which is the electronic version of your PAN information. If your PAN is already allotted, you should not submit a fresh PAN application simply because the physical card is lost.
I downloaded mine after completing the identity/OTP verification requested by the service. The PDF was digitally issued and contained my PAN details.
If you don't have access to the mobile number or other details linked to the relevant records, the online process may not work immediately. In that situation, you may need to update the relevant information or use another authorized PAN service.
Also check the date and details shown on the downloaded document before using it. A spelling or date-of-birth discrepancy can create problems during KYC even if the PAN number itself is correct.
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Another option depends on what you actually need.
If you only need a digital copy, check whether your e-PAN can be downloaded from the Income Tax e-Filing portal.
If you specifically need a physical PAN card, that's a separate request. The Income Tax Department's current e-PAN FAQ states that, after a PAN has been allotted, a printed physical PAN card can be requested through the PAN service providers.
So I would separate the two:
That distinction prevents accidentally applying for another PAN.