can we open bank account without pan card

Yes, you can open a bank account without a PAN card in India. Banks permit the opening of a Basic Savings Account or a Small Account using alternative identity proofs such as an Aadhaar card, Voter ID, or by submitting Form 60 if you do not have a PAN. However, these accounts come with certain restrictions:

• They often have limits on the maximum balance and total credit allowed.
• Certain high-value transactions, such as depositing more than ₹50,000 in one day, still require a PAN card.

These "Small Accounts" can be upgraded to a regular savings account once the PAN card is submitted.