How to Open Bank Account without PAN Card?

Hi, if you are trying to open a bank account without a PAN card, then I can help you with that. Quite recently, I opened a bank account for my daughter as she was going out of the city to study and she doesn’t have a PAN card yet. I called the bank, explained the situation, and asked them how to open bank account without PAN card. The employee explained that I needed to submit a few basic documents. 

How to Open Bank Account Online without PAN Card?

The list of the documents that the bank employee asked me to provide in the answer provided by Mulan. Here are the steps that you need to take to open the bank account. 

• Visit the bank’s website and go to Open Savings Bank Account’. 

• Next, enter your mobile number, email address and upload all the necessary documents.

• Now, you will receive an OTP on your Aadhaar-registered mobile number. Enter that. 

• After that, enter the necessary details and choose the account type. 

• Do a video KYC to complete the process. 

This is how to open a bank account without PAN card. If you find these steps troublesome, then  visit the Bank and physically along with all the necessary documents to get it done. 

PAN is the most important document you will need to open a bank account. But it is okay even if you do not have one. My brother lost his PAN card but needed to open a bank account when he got a new job. He asked the bank officials how to open bank account without PAN card and they helped him out. Other documents can be used instead of a PAN card as well.

How to open bank account online without PAN card?

There are certain rules that must be followed to open a bank account without a PAN card. An individual above 18 years can open a bank account without PAN but there are certain limitations or aspects that you must be aware of-

• Only a savings bank account can be opened without a PAN card

• Such accounts will be temporary accounts and will be called as small accounts

• Small accounts come with limited features and benefits

• You are always free to change your small account to a regular one by submitting your PAN details when you get it

• You will need basic IDs to open that account without a PAN card

To open the account you will have to submit some documents to the bank like 

Utility bills like electricity, gas, water or more

• Bank account statement or bank passbook

• Property or municipal tax receipts

• Aadhar card

• Voter card

• Passport

• Ration card

• Form 16 (if the bank asks for)

How to open SBI account online without PAN card?

No savings account can be opened in SBI without your PAN card. I will suggest you visit the bank personally and ask the officials about it.

So this is all the information I learned on how to open bank account without PAN card from my brother. 

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