is pan card necessary for opening bank account

A PAN card is generally necessary for opening most regular bank accounts in India. However, you can open a Basic Savings Bank Deposit (BSBD) account or a "Small Account" without one. For these basic accounts, banks accept alternative identification documents like an Aadhaar card or Voter ID, and may require you to submit Form 60. It is important to note that accounts opened without a PAN card typically have limitations, such as restrictions on transaction values or deposit limits. Submitting your PAN later allows you to upgrade to a regular account.