Which PAN application form should an OCI cardholder use?

Yes, Form 95 is the correct category for an OCI cardholder who has acquired foreign citizenship.

I would suggest checking these things before submitting:

1. Make sure you select Form 95.
2. Enter your name exactly as it appears in your foreign passport.
3. Keep your OCI card and foreign passport ready.
4. Check the TIN requirement for foreign applicants.
5. Verify your overseas address details.
6. Check whether the documents need attestation or any additional certification.

You can apply through Protean or UTIITSL. Both are authorised PAN service providers.

Also, if you already have a PAN allotted under your previous Indian citizenship, do not apply for another PAN. Check the correction or existing PAN procedure instead.

I think the most important thing is not to follow older articles mentioning Form 49AA without checking the updated instructions.

The new PAN application forms became effective on April 1, 2026.

I am also an OCI cardholder and would use the foreign-citizen application category. Your US passport and OCI card are relevant supporting documents.

One more point: the official instructions list an OCI card as an acceptable document for identity, address and date-of-birth purposes, subject to the prescribed documentation requirements.

If you are applying from the USA, check whether your communication address is correctly entered as your overseas address and whether the required TIN details are included.

If you have acquired US citizenship and hold an OCI card, you should apply using Form 95, not Form 93.

I checked the updated PAN application categories because I was also confused about the difference.

The distinction is based on citizenship, not your Indian origin.

• Form 93 is for Indian citizens, including NRIs.
• Form 95 is for individuals who are not Indian citizens, including foreign nationals and OCI cardholders.

Your OCI status does not make you an Indian citizen. It gives you certain privileges under the OCI framework, but you remain a foreign citizen.

You should also check the Form 95 document checklist carefully. It asks for a Tax Identification Number (TIN) for individual non-citizens.