How to Apply for a PAN Card for a Minor Online: A Step-by-Step Guide

Why a Minor Might Need a PAN Card

1. Opening Bank Accounts:

   • Many banks require a PAN card to open a savings account or make fixed deposits in the name of a minor.

2. Investments:

   • PAN is necessary for investing in mutual funds, stocks, or other financial instruments in a minor’s name.

3. Educational Needs:

   • Some educational institutions require a PAN card for the student, particularly for scholarship applications.

4. Tax Implications:

   • If a minor earns income through investments or receives gifts above a certain limit, a PAN card is necessary for tax purposes.

Eligibility Criteria

• A minor is defined as an individual under the age of 18.
• The PAN card application for a minor must be submitted by the parent or legal guardian on their behalf.

Step-by-Step Guide to Applying for a PAN Card for a Minor Online

1. Visit the Official Website:

   • Start by visiting the official NSDL (National Securities Depository Limited) or UTIITSL (UTI Infrastructure Technology and Services Limited) website. These are the authorized portals for PAN card applications.

2. Choose the Correct Form:

   • For a minor, you will need to fill out Form 49A. On the website, select the option to apply for a new PAN card and choose this form.

3. Fill in the Required Details:

   • Provide the minor’s personal details, including name, date of birth, and residential address.
   • Enter the parent or guardian’s details, as they will act as the representative assessee for the minor.

4. Upload Supporting Documents:

   • Proof of Identity (POI): This could be the minor’s Aadhaar card, birth certificate, or school ID card.
   • Proof of Address (POA): Documents like Aadhaar card, parent’s utility bills, or passport.
   • Proof of Date of Birth: A birth certificate or passport for the minor.
   • Photograph: Upload a recent passport-sized photograph of the minor.
   • The parent or guardian’s Aadhaar card copy is also required as proof.

5. Select the Mode of Submission:

   • Unlike adults, minors cannot use e-KYC for PAN card applications because e-KYC requires biometric verification, which is not applicable for minors. Therefore, you must choose the physical submission option.
   • After filling out the form and uploading documents, you will need to print the acknowledgment form, attach the required documents, and send them by post to the address provided.

6. Make the Payment:

   • The application fee depends on the communication address (Indian or foreign). You can pay online via credit/debit cards, net banking, or demand draft.

7. Submit the Application:

   • Once the payment is made, submit the application. If you selected physical submission, send the acknowledgment receipt along with the documents to the specified address.

8. Track the Application:

   • Use the acknowledgment number to track the status of your application. The PAN card is generally dispatched within 15-20 working days after successful verification.

Key Considerations

• No e-KYC for Minors: The Income Tax Department does not accept e-KYC for minor PAN card applications. This is because e-KYC requires biometric authentication, which is not permitted for minors..
• Updating PAN After Turning 18: Once the minor turns 18, they should update their PAN card with their signature and other relevant details.

Conclusion

Applying for a PAN card for a minor is a necessary step for parents or guardians who wish to ensure that their child is prepared for financial and legal requirements in the future. By following the steps outlined above and being aware of the restrictions, such as the non-acceptance of e-KYC for minors, you can ensure a smooth application process.

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