PAN agent commission: fee, wallet and what to ask

You searched for a PAN card agent commission chart. Fair enough. Everyone wants to know what they’ll make before they pay for anything. But a chart is the wrong first thing to ask for, and this post explains why.

As of 18 October 2026, UTIITSL lists ₹107 and ₹72 as the applicant’s application fee, and SiOnline’s PAN / UTI PSA registration is ₹1,180. Those are two different sums, and there’s a third one (the wallet) that no public page spells out. Once you can see all three apart, you’ll know which questions to put to a provider in writing.

Who sets each of the three sums?

Keep them separate in your notes.

The money moves in this order. First, you pay the PAN / UTI PSA registration charge (SiOnline: ₹1,180 as of 18 October 2026). Then you load the wallet. SiOnline’s IDs are wallet-based, with no coupons, and each PAN application is deducted from the wallet.

The applicant’s application fee is published by UTIITSL and Protean. What gets deducted from your wallet per application, and how the applicant’s payment relates to it, isn’t stated in any source this guide used.

What is the official PAN application fee?

UTIITSL’s PAN portal lists, as of 18 October 2026, ₹107 to apply for a PAN with both a physical card and an e-PAN (₹1,017 for dispatch outside India). It lists ₹72 for an e-PAN only, with no physical card.

Protean manages the Income Tax PAN Services Unit and publishes its own fee table. Its online PAN application instructions, retrieved on 18 October 2026, list these figures inclusive of taxes:

These rows are Protean’s own application routes. As of 18 October 2026, UTIITSL’s page lists ₹107 and ₹72 and no paperless figure. So ask your provider which fee applies to applications filed through a UTI PSA ID.

One thing to be clear about: these are application fees. They aren’t an agent’s earnings, and they say nothing about what a wallet deducts. Check the current fee on the official UTIITSL, Protean or Income Tax Department page before you quote an amount to a customer. If any other page shows a different figure, go by the amount on the UTIITSL or Protean payment screen.

What does the registration charge cover?

SiOnline’s current PAN / UTI PSA registration page lists ₹1,180, as of 18 October 2026. With any provider, ask for the tax line on the invoice, and ask four things: the joining cost, the per-application cost, any renewal, and any minimum commitment.

Don’t assume the registration works as credit toward applications. Ask the provider to say in writing whether any part of it shows up as wallet balance, and do that before you pay.

And if another provider quotes a much lower or much higher number, the number alone tells you nothing. Compare what each amount covers.

How does the wallet work?

UTI offers coupon-based and wallet-based IDs for a PAN service agent (PSA). SiOnline provides wallet-based IDs only: you load a wallet, and each PAN application is deducted from it. SiOnline’s guide to wallet balance for PAN applications covers the practical side, and the UTI PSA login guide covers access.

Ask the provider these questions in writing:

• What is deducted for one application: the full application fee, a part of it, or a different amount?
• Does the deduction change with the type of application, such as physical card or e-PAN only?
• What happens to the deduction if an application can’t go ahead?
• What happens to an unused balance if you close the account?
• How do you see each deduction against each application, so you can reconcile them?
• Is there any monthly or annual charge on the ID, and what does it cover?

Think of the wallet as working capital. It’s money you can’t spend elsewhere while it sits there. So size the balance from the deduction the provider confirms in writing, not from a guess.

Can you charge the customer anything extra?

Get the receiving channel’s written permission and tariff before you collect anything beyond the published application fee. Ask your provider in writing whether any charge beyond the application fee is allowed, and on what terms. Don’t add one until you have that answer.

UTIITSL’s PAN portal lists a customer care line on +91 33 40802999 (9:00 AM to 8:00 PM every day, as of 18 October 2026). It’s listed as the PAN customer care centre and doesn’t say it answers agent questions, so ask before you rely on it.

How do you work out your own break-even?

Here’s why there’s no chart in this post. A commission chart hides the things that actually decide your result: your volume, your wallet balance, your counter costs and your provider’s terms. A chart built from someone else’s numbers doesn’t describe your counter. If another source shows you a rate card, ask for the document, its date and the provider’s name. If it can’t show them, set it aside.

Once the provider gives you the joining cost, the wallet debit and what you may collect, all in writing, you can estimate how many applications it takes to recover the joining cost. This is arithmetic, not a forecast.

Divide the joining cost by (the amount you’re permitted to collect, minus the wallet debit and any variable cost per application). Round up to whole applications. If that difference is zero or negative, that type of application never recovers the joining cost. If any input is blank, you can’t calculate yet, and you shouldn’t fill the blank with a number you heard from someone. Repeat the sum for each application type, because the inputs may differ.

Why should each application type get its own row?

Because a new physical-card application, an e-PAN-only application, and a correction or reprint can each have different terms. Make one empty row for each type you plan to offer. Fill each row only from the current written terms of the channel you’re using. Don’t carry the debit from a new application into a correction row just because the public fee looks similar.

For each row, ask what the customer is permitted to pay, what your account is charged, and what proof supports both. Also note whether a quoted amount includes the stated tax, and leave the tax treatment to the written terms and your accountant. Then add your own running costs once each: printing the case needs, time spent explaining missing papers, and the cost of keeping the counter open. These are planning inputs. They aren’t permission to add a customer charge, and if a cost can’t be recovered under the terms, accept that in your decision instead of quietly adding it to the applicant’s bill.

How do you keep the records clean?

Use separate columns for customer collections, wallet debits for applications, money loaded into the wallet, and your own counter expenses. This is a suggested layout, not an official format. Keep each application’s reference beside its entry, and don’t put a wallet top-up and a customer payment on the same unlabelled line.

At the end of each period, compare the opening balance, the additions, the application debits and the closing balance. If something doesn’t match, ask support to explain it using actual transaction references. Don’t make up a balancing “commission” entry just to get your sheet to agree.

Keep three kinds of evidence in the same order, and don’t swap one for another. A customer receipt shows what you collected. A wallet entry shows what happened in the funding account. An application acknowledgement identifies the work that was submitted.

What if a customer has paid but the wallet entry is unclear?

Here’s a made-up case. The customer has paid you, but the wallet entry or the acknowledgement doesn’t look right. Stop. Don’t take a second payment. Check the account records and ask support which record shows the application’s state.

Tell the customer what you know and what you’re still waiting to confirm, using the payment and application references. Don’t promise an immediate reversal, because you don’t know yet what the provider’s terms say.

Keep a short note: the date, the amount in question, the references, the question you sent and the reply. Hide identity details in screenshots unless the support route needs them, and don’t paste a customer’s whole file into a general chat group. When it’s sorted out, link the reply to the original entry rather than deleting it, so a later disagreement is easy to trace. Ask your provider about their actual refund, adjustment and failed-application terms before you rely on any of those outcomes.

How do you judge the service after a few weeks?

Once you have a stretch of reconciled records, look at the mix of work you handled and the time each kind took. Count finished applications separately from enquiries and unresolved cases. Not everyone who asks about PAN becomes a paying application, so use your own records to decide how much time and how much wallet funding to keep ready.

Check the terms again whenever the provider changes a fee or you add a new kind of request. Keep the earlier dated terms with the records they applied to. A new price shouldn’t rewrite what an earlier customer paid.

What mistakes do new PAN agents make with money?

• Treating the ₹107 as income. It is the applicant’s fee, as of 18 October 2026 (UTIITSL). Whether any part of it reaches you is a question for your provider’s written terms.
• Loading a big wallet first. Start with what the confirmed deduction tells you that you’ll need, then top up as your real volume shows.
• Mixing counter cash and wallet money. Once they’re on one line, you can’t tell later what went where.
• Quoting a customer from memory. Fees change. Open the official page the day you quote.

Questions agents ask

Is there a PAN agent commission chart?

This guide gives none. Ask any provider for its written terms: the registration charge, the wallet deduction per application and any renewal.

Is the ₹107 PAN fee my margin?

No. It’s the application fee UTIITSL lists for the applicant, as of 18 October 2026, and it says nothing about an agent’s margin.

Does the ₹1,180 become wallet balance?

The sources used here don’t say. Ask the provider in writing before you pay.

If the wallet model suits your counter, enquire about SiOnline UTI PSA registration and ask what the team can confirm in writing about the joining cost, the wallet debit, any renewal and any minimum commitment.

Sources and checks

• UTIITSL, PAN portal home page, application fees and customer care, pan.utiitsl.com, retrieved 18 October 2026.
• Protean eGov Technologies Limited, online PAN application instructions and fee table, tinpan.proteantech.in, retrieved 18 October 2026.

Facts on this page were last checked on 18 October 2026. Fees change, so confirm them at the source before you act.