is pan card necessary for bank account

A Permanent Account Number (PAN) card is generally necessary for opening a regular savings bank account as it is a mandatory part of the Know Your Customer (KYC) requirements. However, you can open a 'Small Account' or 'Basic Savings Bank Deposit Account' without a PAN by submitting Form 60 along with other identity and address proofs. Without a PAN, such basic accounts may have restrictions on deposit limits and transaction types, and a PAN will be required later for conducting high-value transactions or to upgrade the account to a full savings account.