Communication address within India - Individuals with a communication address within Indian Territory can pay via Credit/Debit cards, Demand Drafts or through Net Banking. One should keep in mind that payment through Debit/Credit cards will attract an additional charge of up to 2% on the application fee, generally charged by the bank. The bank could also impose applicable taxes over and above the fee charged for a PAN. Payment by Demand Drafts are accepted only if the DD is in favor of "NSDL PAN" (NSDL is now known as Protean eGov Technologies Limited), payable at Mumbai. Payment through Net Banking will attract a surcharge of Rs.4 plus service tax, to be borne by an applicant.