can i open a bank account without pan card

Yes, you can open a bank account in India without a PAN card, but typically only a 'Small Account' or a Basic Savings Bank Deposit Account (BSBDA). For these accounts, you must submit an alternative document like your Aadhaar card as proof of identity and address. If you do not have a PAN card, you are generally required to submit Form 60 to the bank. These small accounts often have limitations on deposit and withdrawal amounts and require you to provide a PAN card later to upgrade to a full-featured regular savings account.