does pan card is necessary for bank account

A PAN card is generally necessary for opening a regular savings bank account. However, you can open a "Small Account" or "Basic Savings Bank Deposit Account" without it by providing alternative identification proofs like an Aadhaar card and submitting Form 60. These accounts may have certain restrictions, such as limits on deposits and withdrawals. To upgrade to a full regular savings account and conduct high-value financial transactions, providing a PAN card later becomes compulsory.