do we need pan card to open bank account

Yes, a Permanent Account Number (PAN) card is generally required to open a full-service bank account in India. If you do not have a PAN, you may be able to open a 'Small Account' by submitting a valid ID proof and a declaration. Be aware that these accounts have restrictions on maximum balance and total transaction limits. For a normal account, providing your PAN or submitting Form 60 is mandatory as per regulatory guidelines.