Can I Open Bank Account Without PAN Card?

Having a bank account is a smart way to keep your money safe and even earn some extra cash through interest. When you decide to open one, you’ll need to go through a process called KYC, which stands for Know Your Customer. This just means you’ll have to provide some documents to the bank to prove who you are. In the past, having a PAN card was a must to open an account, but that’s not the case anymore. Now, you can open bank account without pan card! So, how does it all work, and what documents do you need instead? Let’s dive in to find out more.

Who Can Open a Bank Account Without a PAN Card?

Even if someone doesn’t have a PAN card but is over 18 years old, they can still open a bank account online. These accounts are often called ‘Small Accounts’. However, there are some restrictions with these accounts, like not being able to get a Debit/Credit card, and having limits on the balance, credit, money transfers, and withdrawals.

But, once someone gets their PAN card, some banks let them upgrade their Small Account to a Regular Savings account. This gives them more benefits and fewer restrictions.

Open Bank Account Without PAN Card: What You’ll Need

While a PAN card is often requested for bank accounts, it’s not always mandatory. Here’s what you can typically use to verify your identity and address if you don’t have a PAN card:

Identity Proof:

  • Aadhaar Card (most widely accepted)
  • Voter’s ID Card
  • Passport (ideal for strongest proof)
  • Driving License
  • NREGA Job Card (for rural applicants)
  • Other Government-issued photo ID documents (subject to bank’s discretion)

Address Proof:

  • Utility bills (electricity, gas, water, telephone) – Latest bill preferred
  • Bank account statement or bank passbook (from another bank)
  • Property or Municipal tax receipt
  • Ration card (may not be accepted by all banks)

Important Notes:

  • Banks may have different requirements, so it’s always best to check with your preferred bank directly.
  • Some banks might ask for Form 16 as an alternative to PAN for income verification purposes.
  • Only submit original documents or certified photocopies for verification.

By presenting the necessary documents from this list, you can successfully open a bank account even without a PAN card.

How to Open Bank Account Online Without PAN Card?

If you don’t have a PAN card, you may still be able to open a bank account online by providing the alternative documents we mentioned above. While the exact process may vary between banks, here’s a general outline of how it typically works:

  • Step 1: Visit your bank’s website or download their mobile app. Look for the option to “Open Savings Bank Account” and follow the instructions provided.
  • Step 2: Provide your mobile number, email address, and upload the necessary documents as requested.
  • Step 3: Verify your identity by entering the OTP (One-Time Password) sent to your Aadhaar-registered mobile number.
  • Step 4: Input your personal and professional information as prompted. Depending on the options available, you may select either a “Basic Savings Account” or a “Digital Savings Account” as your account type.
  • Step 5: To finalise the account opening process, you may be required to undergo a video KYC (Know Your Customer) verification.

By following these steps, you can initiate the process of opening a bank account online, even if you do not possess a PAN card.

How to Open Bank Account Without PAN Card Offline?

If you don’t have a PAN card, you can still open a bank account by visiting the bank branch. Here’s how:

  • Step 1: Find the nearest branch of your preferred bank and go there.
  • Step 2: Ask the bank officials for a form to open a Basic Savings bank account. They’ll also tell you what documents you’ll need instead of a PAN card.
  • Step 3: Fill out the form carefully, providing your current contact details. Submit photocopies of the required documents along with the form. You may also need to provide passport-sized photographs.
  • Step 4: The bank will get in touch with you once your account is ready to use.


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Closing Thoughts

Opening a bank account without a PAN card is a convenient option for those who don’t have one yet. By utilising alternative documents and following the online or offline application process, you can still enjoy the benefits and security of having a bank account. Remember to check with your preferred bank for their specific requirements to ensure a smooth application process. With a little planning and the right documentation, you can be on your way to managing your finances more effectively.

Frequently Asked Questions (FAQs)

  1. Can I open a bank account without a PAN card?

    Yes, you can open a specific type of savings account called a Basic Savings Account (BSA) or Small Account without a PAN card.

  2. Are there any limitations on a bank account without a PAN card?

    Yes, there are limitations on transactions for accounts opened without a PAN card. Typically, you cannot make transactions exceeding Rs.2 Lakh.

  3. How can a minor open a bank account without a PAN card?

    Minors cannot open a bank account entirely on their own. A guardian can open an account for them, but the guardian’s PAN card will be required. The minor’s identity and address proof will also be needed.

  4. Do I need an Aadhaar card to open a bank account without a PAN card?

    No, neither a PAN card nor an Aadhaar card is mandatory to open a basic savings account. You can use any government-approved ID and address proof.